This summer we have seen wild fires in Alberta. There was the flood in the south last year. Early drought over much of Alberta this year. The rain came but too late for some. The government "help" was sparse, just like this years canola crops. Oh well, we all die in the end.
The government and aid groups talk a good story, but when it comes down to the actual on the ground benefits, well those seem to be lacking. When we see the non-profit reports and we see 25% of the income actually got to the people, we cheer, often it is much worse than that. Oh well, it is non of my concert. I know we are almost all on our own. As it was, as it is, as it will be.
The insurance industry is guaranteed a profit on average. If they have a poor year, the rates go up. They delay paying out, quibble ever claim, disallow everything they can possible avoid or the homeowner is unable/not worth fighting. Impose a rider to uninsured over land water flow, that is floods. and it is not just overland; if it comes from the sewer, due to high water table, and the water has no where to flow out to, it is not insurable any more.
Wild fire, where there is not sufficient buffer area is no longer covered. For those of us on acreages, this may mean no fire coverage is available, if the fire is related to a wild fire. Now what? and how about the neighbors dry bush? and the counties? Oh well, in the end we just die anyway. Is the struggle worth the effort?