The Arguments Start

It doesn't take long.

After any major weather event the blame game soon comes along.

The California fires are being blamed on people, climate ,arsonists, and the Green brigade.

It is difficult watching the press give headlines to all and sundry who claim to know the reasons behind fires and hurricanes.

I favour more critical thinking and analysis of the situation.  Every country is different in its approach to disasters and have their own governance arrangements and ruling authorities. At the same time there is much in common in dealing with the power of nature.

Unfortunately the wrong people often get to write the reports or produce assessments for Governments and we carry on down the path to more of the same.

There is never enough resources, never enough money, never enough insurance.

On insurance the last few disasters such as California, North Carolina and Florida along with Gabrielle in NZ , have thrown up many questions about the insurance model. Is it in need of a new approach?

There are huge discrepancies between settlements and major issues over what is and is not covered. People have benefited hugely from payouts ,others still arguing.

I had felt following the Christchurch earthquake that the industry would have learned many lessons and implemented changes that would have helped with more recent disasters but maybe not.

There are some major issues in this area and it may not suit the insurance industry to change.

I have seen a new model in the US that is promising and even have an idea myself.

Lets see what eventuates.