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In Florida the issue has little to do with rising sea levels at the moment. There’s a Bad Faith law that makes the insurance companies responsible for the policyholders legal bills if the decision increases the amount of the settlement. There are a lot of lawyers that take cases and only bill if they win, and if they do win they bill a lot. There is also a lot of insurance fraud in Florida, both of which drove up the legal costs to insurers. Catastrophic events are more impactful to insurers in Florida since Florida has passed a law preventing international reinsurers from being used. So when a hurricane hits rather than having the costs borne by a larger number of insurers across the globe, only US insurers will be spending money on the catastrophe. This has pushed many insurers to insolvency.

In California rate increases could allow insurers to keep up with rising costs. Note that the percent of homes affected by wildfires is only somewhat up over the past roughly 20 years, the real problem is the increase in severity due to rising property values and insurers being unable to raise rates due to Prop 103. Prop 103 allows for public interest groups to have hearings with the DOI and the insurance company to determine if a rate increase of 7% or higher is justified, and the insurance company must pay the legal costs of the public interest group(s). The lawyers who lobbied for this law have set up a public interest group and start hearing whenever an insurer tries to increase rates at 7% or more. Said group tries to drag out the hearings as long as possible, since it’s free money.

It’s largely legislative changes that have made insurance unprofitable in those states. Florida’s bad faith law and banning of international reinsurers have both hurt the industry a lot. California has had wildfires for a long time and their frequency hasn’t increased much over time.

I left a more detailed comment elsewhere in this thread if you’re interested.

Insurance policies are short-term and climate change is going to take longer to really hit. Climate change isn’t why but rather legislative changes. I’ve left a more detailed comment elsewhere in this thread if you’re interested.

Hidden Power doesn’t exist in Gen 9. Although you can use Tera Blast with the appropriate Tera type to replicate that. Note that using your Tera on Heatran will also change your defensive typing for the 3 turns (?) it lasts.

No because the white parts are what will burn in. Black is the off state for OLED. This is also why many apps for Lemmy (and previously reddit) have a dark theme option for OLED devices that uses full black instead of grey so that the pixels not in use are fully off.

If you have the same pixels on all the time then yes you’d have faster burn in. However, since you’d be looking at different text, this degradation would be spread over the different pixels. Not uniformly, but good enough that it doesn’t matter for practical usage.

Isn’t this old news? We’ve known about China and other countries hacking US infrastructure for decades. See: https://apnews.com/general-news-c8d531ec05e0403a90e9d3ec0b8f83c2

According to the example on this Wikipedia page you live in a village not a town. Just thought it was neat.

White hair by the door is Bell Cranel from danmachi. Not sure whothe person standing next to him is. Elf in green is sylphiette next to rudeus greyrat, both from mushoku tensei.