She/Her. I Love LA. Writer (food/wine/spirits mostly), audio producer, crime novelist. New Haven Pizza Evangelist. Work + Links: linktr.ee/msemilyedwards
Emily J. Edwards
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we had a pretty big fire in our house in 2024. the house was left standing, perfectly structurally safe. there was a hole in the roof to let smoke out, broken windows, smoke damage to drywall/HVAC/insulation.
the rebuild cost was well over $500,000. WELL over. that was just the HOUSE.
your "normal policy" is not immune to climate change. you cannot just throw "the bad people who moved to the wrong side of the climate change tracks" to the wolves bc you are that person and don't know it yet, or will be that person in 3/5/7/10 years, just when your kids are about to go to college.
shortly after we lost our house, our insurer stopped writing policies in the state. and it wasn't because our mundane house fire cost them an absolute f* ton of money. it was because TWO TOWNS OVER, a rainstorm washed a whole neighborhood down the side of a hill into a river.
we lost EVERY SINGLE THING WE OWNED due to smoke damage. EVERY SINGLE THING. forks? gone. underwear? gone. rugs, curtains, books, family heirlooms, photos, work equipment. EVERY SINGLE THING in a house of... two adults. and it didn't even burn. just the SMOKE rendered it unusable garbage.
insurance costs are out of hand and you want to find special carveouts for people who will suffer catastrophe you believe you will never suffer to bring those costs down, and punish people you think "deserve" it for opting in to something, i dunno, sinful? egregious? just different from you?
waking up this morning to a lot of people who have absolutely NO EARTHLY IDEAL how much it costs to rebuild a house
40 years strep free
spurs deserved that loss. they're babies, so i get it, but that was silly.
