I just bought a house on the coast in Florida. I can't get hurricane insurance?
Easy. No need to panic. Private insurers are too smart to provide this because the cost would be prohibitive. So they have generally pulled the f-ck out.
The good news is that the State of Florida provides this at about 1/6th cost that a private insurer would. So if your home gets wiped out by Hurricane Sophia (I just made that part up) some unfortunate dude in Orlando gets to chip and pay a special tax assessment.
The same sheet goes on in Calif in wildfire prone areas.
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