GREEN NEW DEAL = BLIZZARD OF LIES

[notsonice + 1,097]

1 minute ago, Ecocharger said:

Here is the issue, slowpoke.

" California lawmakers recently made it clear they don’t take the matter seriously.

"Earlier this month, the California Senate passed Bill 553 , legislation that would discourage retail store employees from confronting shoplifters. The legislation — passed weeks after a Home Depot security guard was shot and killed during a Pleasanton, California, robbery — is designed to protect employees, supporters say, by forbidding employers from instructing employees to confront shoplifters."

 

"A law that would prohibit employers from telling their employees that customers are not allowed to take whatever they want without paying would clearly incentivize shoplifting. It would further promote the culture Fuller described, one in which it is viewed as “optional” to pay for things.

This is the culture that is driving companies out of California. It’s not just crime or high taxes or pandemic mandates. It’s a culture that shows disdain for property rights, "

nothing on your BS insurance claims.......

Slowpoke???......when are you going to back up your claims........you are the King of BS

 

all you have is posting bs commentary with no facts

 

[turbguy + 1,419]

5 minutes ago, Ecocharger said:

Here is the issue, slowpoke. A new law which makes it illegal to stop crime.

" California lawmakers recently made it clear they don’t take the matter seriously.

"Earlier this month, the California Senate passed Bill 553 , legislation that would discourage retail store employees from confronting shoplifters. The legislation — passed weeks after a Home Depot security guard was shot and killed during a Pleasanton, California, robbery — is designed to protect employees, supporters say, by forbidding employers from instructing employees to cront shoplifters."

"A law that would prohibit employers from telling their employees that customers are not allowed to take whatever they want without paying would clearly incentivize shoplifting. It would further promote the culture Fuller described, one in which it is viewed as “optional” to pay for things.

This is the culture that is driving companies out of California. It’s not just crime or high taxes or pandemic mandates. It’s a culture that shows disdain for property rights, "

So let me get this straight.

You maintain that California's apparent laxity on minor crime on retail businesses is a DIRECT CAUSE of Homeowners Property Insurance company's raising premiums, or even stopping issuing Homeowners Policies in California?

Yeah, right...

BTW, the perpetrators of the Home Depot event were arrested and charged with Murder, and a host of other crimes.

[turbguy + 1,419]

According to the FBI's Uniform Crime Reporting (UCR) Program, the states with the highest rates of residential theft in 2022 were:

• Mississippi (4,672 per 100,000 residents)
• Louisiana (4,238 per 100,000 residents)
• Arkansas (3,986 per 100,000 residents)
• Alabama (3,875 per 100,000 residents)
• Tennessee (3,789 per 100,000 residents)

The states with the lowest rates of residential theft in 2022 were:

• Hawaii (503 per 100,000 residents)
• New Hampshire (527 per 100,000 residents)
• Vermont (542 per 100,000 residents)
• Maine (570 per 100,000 residents)
• Wyoming (601 per 100,000 residents)

 

 

The rate of residential theft in California is 2,178 per 100,000 residents, which has been declining in recent years! In 2019, the rate was 2,387 per 100,000 residents, and in 2018, it was 2,541 per 100,000 residents. 

 

 

 

Edited September 5, 2023 by turbguy

[Ecocharger + 1,384]

17 minutes ago, turbguy said:

So let me get this straight.

You maintain that California's apparent laxity on minor crime on retail businesses is a DIRECT CAUSE of Homeowners Property Insurance company's raising premiums, or even stopping issuing Homeowners Policies in California?

Yeah, right...

BTW, the perpetrators of the Home Depot event were arrested and charged with Murder, and a host of other crimes.

The Home Depot event is just the tip of the iceberg, this is a sea change in the justice system with robbery reduced to a misdemeanor. Illegal to confront shoplifters and robbers.

Here is the problem, the deadhead liberals running the state.

" California lawmakers recently made it clear they don’t take the matter seriously.

"Earlier this month, the California Senate passed Bill 553 , legislation that would discourage retail store employees from confronting shoplifters. The legislation — passed weeks after a Home Depot security guard was shot and killed during a Pleasanton, California, robbery — is designed to protect employees, supporters say, by forbidding employers from instructing employees to confront shoplifters."

"A law that would prohibit employers from telling their employees that customers are not allowed to take whatever they want without paying would clearly incentivize shoplifting. It would further promote the culture Fuller described, one in which it is viewed as “optional” to pay for things.

This is the culture that is driving companies out of California. It’s not just crime or high taxes or pandemic mandates. It’s a culture that shows disdain for property rights, "

 

Edited September 5, 2023 by Ecocharger

[Ecocharger + 1,384]

11 minutes ago, turbguy said:

The rate of residential theft in the United States varies from state to state. According to the FBI's Uniform Crime Reporting (UCR) Program, the states with the highest rates of residential theft in 2022 were:

• Mississippi (4,672 per 100,000 residents)
• Louisiana (4,238 per 100,000 residents)
• Arkansas (3,986 per 100,000 residents)
• Alabama (3,875 per 100,000 residents)
• Tennessee (3,789 per 100,000 residents)

The states with the lowest rates of residential theft in 2022 were:

• Hawaii (503 per 100,000 residents)
• New Hampshire (527 per 100,000 residents)
• Vermont (542 per 100,000 residents)
• Maine (570 per 100,000 residents)
• Wyoming (601 per 100,000 residents)

 

 

The rate of residential theft in California is 2,178 per 100,000 residents, which has been declining in recent years. In 2019, the rate was 2,387 per 100,000 residents, and in 2018, it was 2,541 per 100,000 residents. 

 

 

 

Which has nothing to do with the subject of California legal changes. If you are not part of the solution, you are part of the problem.

This is a much greater problem than anthropogenic climate change.

https://www.kcra.com/article/small-business-owners-protest-at-capitol-over-bill-they-say-will-put-them-out-of-business/44834342#

"Sumanjit Sahota owns a Natomas store and says her regulars are now shoplifting.

"They aren't afraid of the law," she said.

Sahota said something needs to be done, but this bill isn't the way to go.

"I'm here trying to change this world and let our government know that us small business owners are no longer going to be small businesses if they keep allowing this," Sahota said.

The bill has passed the Senate and will head to the Assembly appropriations committee for a hearing on Sept. 1."

Edited September 5, 2023 by Ecocharger

[turbguy + 1,419]

16 minutes ago, Ecocharger said:

Which has nothing to do with the subject of California legal changes. If you are not part of the solution, you are part of the problem.

You have, at least strongly implied, that the cause of Homeowners Property Insurance policies becoming unavailable from some large insurers (or at least unaffordable) in California was due to relaxation of laws in that state that deal with Business Losses due to theft. 

Insurance risk is a product of cost, time of coverage, and probability.

I maintain the the cause is the increased risk that insurer's take on from major damage due to covered perils that are caused by disasters, such as wind, wildfire, earthquake, and oceanfront erosion.

I maintain my stance.  WITH FACTS AND RELIABLE SOURCES!

Yours?  I find it very difficult to "hold water".

Edited September 5, 2023 by turbguy

[notsonice + 1,097]

24 minutes ago, Ecocharger said:

Which has nothing to do with the subject of California legal changes. If you are not part of the solution, you are part of the problem.

This is a much greater problem than anthropogenic climate change.

https://www.kcra.com/article/small-business-owners-protest-at-capitol-over-bill-they-say-will-put-them-out-of-business/44834342#

"Sumanjit Sahota owns a Natomas store and says her regulars are now shoplifting.

"They aren't afraid of the law," she said.

Sahota said something needs to be done, but this bill isn't the way to go.

"I'm here trying to change this world and let our government know that us small business owners are no longer going to be small businesses if they keep allowing this," Sahota said.

The bill has passed the Senate and will head to the Assembly appropriations committee for a hearing on Sept. 1."

still nothing to back up your BS insurance claims....

 

your claim again in case you forgot what you posted a few hours ago.........

The new California legal changes making it illegal to interfere with robberies and pillaging while in progress have frightened the insurance business away from California. ???

 

 

got it........You are the King of BS

Edited September 5, 2023 by notsonice

[TailingsPond + 501]

22 minutes ago, Ecocharger said:

The Home Depot event is just the tip of the iceberg, this is a sea change in the justice system with robbery reduced to a misdemeanor. Illegal to confront shoplifters and robbers.

 

Vigilantism and regular employees acting as security has been discouraged for a very long time.  People shouldn't risk their lives over a small amount of someone else's money.  

"A vigilante (borrowed from Spanish "vigilante", which means "sentinel" or "watcher", from Latin vigilāns) is a person who practices or partakes in vigilantism, or undertakes public safety and retributive justice without commission."

[Ecocharger + 1,384]

23 minutes ago, turbguy said:

You have, at least strongly implied, that the cause of Homeowners Property Insurance policies becoming unavailable from some large insurers (or at least unaffordable) in California was due to relaxation of laws in that state that deal with Business Losses due to theft. 

Insurance risk is a product of cost, time of coverage, and probability.

I maintain the the cause is the increased risk that insurer's take on from major damage due to covered perils that are caused by disasters, such as wind, wildfire, earthquake, and oceanfront erosion.

I maintain my stance.  WITH FACTS AND RELIABLE SOURCES!

Yours?  I find it very difficult to "hold water".

The laws of theft have been changing in California for several years, including the decriminalization of burglary to robbery and the subdivision of theft crimes into smaller sums of money to avoid the higher penalties. Zero bail needed is another incentive to recommit crime.

Do hundreds of millions of dollars in theft loss impact insurance claims? Does water run downhill?

Edited September 5, 2023 by Ecocharger

[Ecocharger + 1,384]

20 minutes ago, notsonice said:

still nothing to back up your BS insurance claims....

 

your claim again in case you forgot what you posted a few hours ago.........

The new California legal changes making it illegal to interfere with robberies and pillaging while in progress have frightened the insurance business away from California. ???

 

 

got it........You are the King of BS

You have reading problems yet again? Pathetic.

This is a much greater problem than anthropogenic climate change.

https://www.kcra.com/article/small-business-owners-protest-at-capitol-over-bill-they-say-will-put-them-out-of-business/44834342#

"Sumanjit Sahota owns a Natomas store and says her regulars are now shoplifting.

"They aren't afraid of the law," she said."

 

"Earlier this month, the California Senate passed Bill 553 , legislation that would discourage retail store employees from confronting shoplifters. The legislation — passed weeks after a Home Depot security guard was shot and killed during a Pleasanton, California, robbery — is designed to protect employees, supporters say, by forbidding employers from instructing employees to confront shoplifters."

 

"Forbid" as in "illegal"....think before you speak yet more nonsense.

Edited September 5, 2023 by Ecocharger

[turbguy + 1,419]

4 minutes ago, Ecocharger said:

The laws of theft have been changing in California for several years, including the decriminalization of burglary to robbery and the subdivision of theft crimes into smaller sums of money to avoid the higher penalties. Zero bail needed is another incentive to recommit crime.

Do hundreds of millions of dollars in theft loss impact insurance claims? Does water run downhill?

It may increase loss with BUSINESS insurance, NOT with HOMEOWNERS INSURANCE!

Which is the discussion at hand...

[Ecocharger + 1,384]

16 minutes ago, TailingsPond said:

Vigilantism and regular employees acting as security has been discouraged for a very long time.  People shouldn't risk their lives over a small amount of someone else's money.  

"A vigilante (borrowed from Spanish "vigilante", which means "sentinel" or "watcher", from Latin vigilāns) is a person who practices or partakes in vigilantism, or undertakes public safety and retributive justice without commission."

So protecting personal property is illegal in your profound deliberation?

[Ecocharger + 1,384]

3 minutes ago, turbguy said:

It may increase loss with BUSINESS insurance, NOT with HOMEOWNERS INSURANCE!

Which is the discussion at hand...

The issue was business insurance, read back.

Causing businesses to fold or leave California.

 

Edited September 5, 2023 by Ecocharger

[TailingsPond + 501]

1 minute ago, Ecocharger said:

So protecting personal property is illegal in your profound deliberation?

I didn't say that.  You are suggesting poorly paid employees should protect other peoples property.

[notsonice + 1,097]

6 minutes ago, Ecocharger said:

The issue was business insurance, read back.

 

yeah and you made BS claims .......as chickenlittle would....The sky is falling the sky is falling.........

and still nothing to back up your BS insurance claims....

 

your claim again in case you forgot what you posted a few hours ago.........

The new California legal changes making it illegal to interfere with robberies and pillaging while in progress have frightened the insurance business away from California. ???

 

 

got it........You are the King of BS

frightened the insurance business away from California.?????

last I checked you can buy insurance in California of every type ...as with every state now....check in advance on what the premium will be before buying a specific property....especially in Florida

 

now what is the number one reason property insurance in Florida is through the roof...is it climate change related Hurricanes and Tropical storms or theft????????

 

 

 

Edited September 5, 2023 by notsonice

[TailingsPond + 501]

13 minutes ago, Ecocharger said:

The laws of theft have been changing in California for several years, including the decriminalization of burglary to robbery and the subdivision of theft crimes into smaller sums of money to avoid the higher penalties. Zero bail needed is another incentive to recommit crime.

Do hundreds of millions of dollars in theft loss impact insurance claims? Does water run downhill?

Put on your pretend economist hat for a moment.

How much money would it cost to catch, prosecute, and punish these minor crime offenders?

Does making a person a felon increase or decrease their future employability?  Does prison time rehabilitate or harden criminals?

Your policies would be penny wise pound foolish.

Edited September 5, 2023 by TailingsPond

[Ecocharger + 1,384]

3 minutes ago, TailingsPond said:

I didn't say that.  You are suggesting poorly paid employees should protect other peoples property.

No, you are way off there, it is illegal under this new law to interfere with or to confront robbers and thieves during the act of theft, and that raises the bar to a new and unsupportable level where a legitimate storefront business can no longer defend its premises from theft.

[notsonice + 1,097]

3 minutes ago, Ecocharger said:

No, you are way off there, it is illegal under this new law to interfere with or to confront robbers and thieves during the act of theft, and that raises the bar to a new and unsupportable level where a legitimate storefront business can no longer defend its premises from theft.

now what is the number one reason property insurance in Florida is through the roof...is it climate change related Hurricanes and Tropical storms or theft????????

In Florida, 16 severe storms or hurricanes since 2020 have caused $100 billion to $200 billion in damage. That has pushed many in the state to turn to Citizens Property Insurance Corp., the state-backed insurer of last resort, which has quickly become Florida’s fastest-growing insurer.

Edited September 5, 2023 by notsonice

[turbguy + 1,419]

9 minutes ago, Ecocharger said:

The issue was business insurance, read back.

Causing businesses to fold or leave California.

 

YOU read back.

My original post:

..but there IS smart money in insurance underwriting...

Florida residents have increasingly turned to Citizens Property Insurance Corporation, a public entity established by the Florida government (even more government-controlled than California's) as the state’s so-called “insurer of last resort” for people unable to find affordable rates from private insurers. For more and more residents, though, Citizens is becoming the first and only option, especially for those with coastal homes at particular risk from hurricanes. In 2019, Citizens had about 400,000 home insurance policies on its books; today, it has more than 1.3 million, about twice as many as the state’s next-largest insurer.

If a hurricane(s) destroy(s) too many homes covered by Citizens policies and the "insurer" faces bigger claims than it can afford to pay, the public company won’t go belly up. Instead, such an event will trigger what is known as an "assessment", wherein state law mandates that Citizens imposes fees on private insurance policies across the state in order to cover its payouts. And it’s not just property insurance-policy holders that may have to pull out the checkbook. If you live in Florida and have auto insurance, but can’t afford to own a home, you can still be stuck contributing to funds that pay for homeowners to rebuild after a big storm.

Florida Residents don't take out Business Insurance on their homes, they take out HOMEOWNERS insurance.

Edited September 5, 2023 by turbguy

[Ecocharger + 1,384]

Just now, TailingsPond said:

Put on your pretend economist hat for a moment.

How much money would it cost to catch, prosecute, and punish these minor crime offenders?

Does making a person a felon increase or decrease their future employability?  Does prison time rehabilitate or harden criminals?

Your policies are penny wise pound foolish.

Those are the same foolish points which were used to support this pretend legislation. It is merely a license to steal goods.

Even an economist can tell you that, as this economist has just done.

https://www.kcra.com/article/small-business-owners-protest-at-capitol-over-bill-they-say-will-put-them-out-of-business/44834342#

"Sumanjit Sahota owns a Natomas store and says her regulars are now shoplifting.

"They aren't afraid of the law," she said."

 

"Earlier this month, the California Senate passed Bill 553 , legislation that would discourage retail store employees from confronting shoplifters. The legislation — passed weeks after a Home Depot security guard was shot and killed during a Pleasanton, California, robbery — is designed to protect employees, supporters say, by forbidding employers from instructing employees to confront shoplifters."

 

[TailingsPond + 501]

3 minutes ago, Ecocharger said:

No, you are way off there, it is illegal under this new law to interfere with or to confront robbers and thieves during the act of theft, and that raises the bar to a new and unsupportable level where a legitimate storefront business can no longer defend its premises from theft.

I've never seen a business defend itself.  You are talking about people.

They can hire security.

Edited September 5, 2023 by TailingsPond

[notsonice + 1,097]

the effects of global warming and the warming of the waters around Florida...........

 

Florida's insurance industry is in flux as Idalia cleanup begins

Homeowners face uncertainty amid the upheaval that has emerged in Florida’s insurance industry in recent years.

 

 

 

 

Get more news

on

 

 

•  
•  
•  
•  

•  
•  

• Create your free profile or log in to save this article

Aug. 31, 2023, 5:14 PM MDT / Source: NBC News

By Gabe Gutierrez, Phil McCausland and Melissa Chan

CEDAR KEY, Fla. — As cleanup begins in the aftermath of Hurricane Idalia, the storm has served as a stark reminder that Florida’s insurance industry remains in flux.

Idalia made landfall in Florida’s Big Bend just before 8 a.m. Wednesday as a Category 3 hurricane. It killed at least three people in Florida before it battered Georgia and other states on the East Coast as a downgraded tropical storm.

 

Idalia moved offshore Thursday morning, leaving around 330,000 customers without power in Florida, Georgia and South Carolina.

Powerful storms have regularly pummeled Florida’s coastal communities in recent years. The hurricanes have brought high winds, lashing rains and deadly storm surge. Idalia brought much of the same, and it has forced many homeowners to turn to their insurance policies in hope that repairing their homes and replacing their belongings might be covered.

But many of those homeowners face uncertainty amid the upheaval that has emerged in Florida’s insurance industry in recent years.

Buddy Ellison, left, and his father Dan look through debris scattered across their property Thursday in Horseshoe Beach, Fla.Rebecca Blackwell / AP

A thinning insurance market that is beset by more regular hurricanes has caused insurance policy costs to skyrocket. An average home premium in Florida is about $6,000 per year, according to the Insurance Information Institute, an industry trade organization. The U.S. average is about $1,700. 

The state’s insurance industry is preparing to lose four insurers since last year — among them: Farmers Insurance, Bankers Insurance and Lexington Insurance. Farmers Insurance announced just last month that it intends to leave Florida, affecting about 100,000 policy holders, and that it would not be writing new policies. 

Still, it appears Florida is better-positioned to handle insurance claims than it was last year after the state’s insurers acquired adequate levels of reinsurance — a reimbursement system that insulates insurers from very high claims. 

Burned rubble where a house stood after a power transformer exploded in the community of Signal Cove in Hudson, Fla., on Wednesday, after Hurricane Idalia made landfall.Miguel J. Rodriguez Carrillo / AFP - Getty Images

“With all the weather and hurricane events that have come through, the reinsurance market has hardened on the Florida insurance companies,” said Chris Draghi, who specializes in the state’s insurance market as an associate director at AM Best, a global credit agency. “That’s led to material increases and reinsurance costs, which, of course, then strain bottom line results to afford the same level of protections as in the past.”

That could mean that, as the costs for insurers rise further, Floridians’ premiums will be affected. 

Gregory Buck, the president and owner of National Risk Experts Insurance, based in Florida, said that his company’s premiums last year were four times the national average but that those prices are largely based on reinsurers. He expects rates to increase further.

“If you look at year on year for the last three to five years, you’re probably talking about between 100 and 300% (in insurance cost increases) depending on where you are and obviously the age and the construction of the homes themselves” Buck said by email. “But absolutely, we are looking at more increases.”

The remains of a destroyed home built atop a platform on piles in Keaton Beach, Fla., on Wednesday during a flight provided by mediccorps.org after Hurricane Idalia passed through.Rebecca Blackwell / AP

Homeowners in the state said they expect the cost to jump once again, which has led some to consider going without insurance because of the price.

Aimee Firestine stood outside her hotel, the Faraway Inn, in Cedar Key as she said her homeowners insurance rate doubled last year. She said it has left her “thinking about whether you can keep paying for that.”

 

“That’s one of the issues in Florida is Mother Nature does what it wants and we have to just rebuild and hope insurance can help us out with it,” Firestine said.

The cost of insurance policies could be a major contributing reason that as many as 15% of Florida homeowners are living without property insurance. That is the highest percentage in the country, according to the Insurance Information Institute.

In Florida, 16 severe storms or hurricanes since 2020 have caused $100 billion to $200 billion in damage. That has pushed many in the state to turn to Citizens Property Insurance Corp., the state-backed insurer of last resort, which has quickly become Florida’s fastest-growing insurer. 

Edited September 5, 2023 by notsonice

[Ecocharger + 1,384]

1 minute ago, notsonice said:

now what is the number one reason property insurance in Florida is through the roof...is it climate change related Hurricanes and Tropical storms or theft????????

I pointed out to you that business insurance is no longer on offer in California. Do you still claim that theft is not a problem?

[Ecocharger + 1,384]

1 minute ago, TailingsPond said:

I've never seen a business defend itself.  You are talking about people.

They can hire security.

You really are at a loss for any rational comeback.

Defense of property is now illegal during a robbery in California if this law is passed.

[notsonice + 1,097]

1 minute ago, Ecocharger said:

I pointed out to you that business insurance is no longer on offer in California. Do you still claim that theft is not a problem?

I pointed out to you that business insurance is no longer on offer in California???

no more business insurance in California.............you are nuts or

dude now you are hitting the bong too much