re: #77 ObserverArt

Generally agree - it’s why some insurers have gotten out of residential insurance market (Allstate doesn’t insure homes in NJ for instance, and if you try to do a bundled policy with them, they get another insurer to step in).

Flood insurance is a double edged sword - it lets people build in places that are quite scenic and idyllic, but which are also prone to flooding. There should be a flood rebuilding limit - 3 strikes, and that’s it. You get bought out and the property is restored to wetlands. There are too many places that are routinely flooded and flood insurance provides a way for that area to rebuild time and time again. There are a couple of towns like that along the Passaic River that have repeatedly flooded, and they get rebuilt each and every time. Buyouts make more sense.

These kinds of snows reinforce the need for proper building codes to address severe weather conditions that localities may face. Rebuilding these damaged properties should require building back better and stronger - with higher pitched roofs, the ability to take higher weight/wind loads, and better ice dam protection.