Will L.A. fires cause Rams game to be moved out of the area?

[brucebruce]

The market has been fucked up post-Covid.

Complain as much you like about the system but the way the system works is that the insurer has to collect a premium that allows them to maintain coverage and also operate (yes, maintain the evil P-word too) and in the last 3 or so years they have not been able to do that.

The state Department of Insurance has mis-managed the situation almost from the get-go.

Now you're gonna add who-the-hell-knows how many Billions in losses here to that already-toxic mix of shit?!

Holy hell...

Part of the solution...the greater the risk, the higher the insurance. Don't make others substantially subsidize people who want to live in high-risk areas. The subsidizing fuels more construction in places that should have insurance factored in, which right now, it doesn't in many risky areas. We should always have a safety net but many homes have enjoyed artificially low home insurance rates beyond govt meddling.

 

[AZRams]

Part of the solution...the greater the risk, the higher the insurance. Don't make others substantially subsidize people who want to live in high-risk areas. The subsidizing fuels more construction in places that should have insurance factored in, which right now, it doesn't in many risky areas. We should always have a safety net but many homes have enjoyed artificially low home insurance rates beyond govt meddling.

The whole concept of risk pools essentially includes subsidization of individual risks by other homeowners. It's built-in.

The market is where it's at because the Insurance Commissioner refused to grant rate increases after the 2017-2019 fire losses and post-Covid spikes in material and labor costs. So instead of dealing with higher premiums now people get to deal with...higher premiums AND fewer insurers offering coverage and the FAIR Plan taking on way more financial stress than it was ever designed to deal with.

 

[rdlkgliders]

Friends of my nephew said that the hydrants were dry when his house burned. The crews were there but with no water. Not sure exactly where his house was.

That’s terrible.

 

[rdlkgliders]

not true

Yeah bro you are right, my bad.
Looks like the AQI is at safe level.
Let’s hope it stays that way

 

[Stl2La]

That’s terrible.

Yes, they had to divert that water pressure elsewhere so that the fire departments could actually use it. Just a sad situation all the way around.

 

[rdlkgliders]

Yes, they had to divert that water pressure elsewhere so that the fire departments could actually use it. Just a sad situation all the way around.

Yeah, not sure when that happened but I got the message this morning.

It’s a terrible situation

 

[rdlkgliders]

They just canceled the Kings game tonight at crypto
No AQI issues and played indoors.

There are other factors in play.

I guess, technically it is postponed to a later date despite the venacular

 

[tklongball]

If they had to move it, I would think either AZ or LV

 

[rdlkgliders]

If you are a victim of the fires don’t rush to sign anything, record your phone call with your insurer.
Save all receipts and pictures of property and all costs moving forward including your living expenses due to the loss.

Stay Safe ROD

 

[Ram Ts]

They just canceled the Kings game tonight at crypto
No AQI issues and played indoors.

There are other factors in play.

I guess, technically it is postponed to a later date despite the venacular

A regular season NHL is completely different than an NFL playoff game. This game is happening — either at sofi or a nearby stadium.

 

[RecklessRams]

Direct family involved here, just evacuate and get somewhere safe. Grab the most important items and GTFO. I was asked to help with Claims and I'm an Underwriter, thanks Peyton Manning! PAYton ME more. Geez the greed out there.

 

[rdlkgliders]

A regular season NHL is completely different than an NFL playoff game. This game is happening — either at sofi or a nearby stadium.

From a fans standpoint yes.
I am hoping it gets played here on Monday.
The other options being tossed around may or may not be available or able to be organized on this short of notice.
I really hope things work out for a MNF playoff game @ SoFi

 

[dang]

Looks pretty bad - as far as the football game.

I'm not sure what they can do - maybe play it somewhere else on the west coast?

Las Vegas? I’m booking my flight now!!

Seriously though. Does CA have a long term proactive plan to reduce the impact of these fires. I’m hearing insurance companies aren’t providing insurance policies for some homeowners. Couldn’t imagine losing everything and then having no insurance for recovery.

 

[brucebruce]

Move it to the formerly named Home Depot Center. I'd overpay to see that game in such a small local venue.

 

[HE WITH HORNS]

Vegas would be a great place if they had to move the game. Makes me wish I still lived there.

 

[rdlkgliders]

Move it to the formerly named Home Depot Center. I'd overpay to see that game in such a small local venue.

The Charger games there were amazing. A bunch of my friends used to go just to be that close to NFL Football
Love that facility "Dignity Health now"

 

[Rams8821]

After the Rams win on Monday, you can bank on them playing the following Sunday.....

 

[brucebruce]

The whole concept of risk pools essentially includes subsidization of individual risks by other homeowners. It's built-in.

The market is where it's at because the Insurance Commissioner refused to grant rate increases after the 2017-2019 fire losses and post-Covid spikes in material and labor costs. So instead of dealing with higher premiums now people get to deal with...higher premiums AND fewer insurers offering coverage and the FAIR Plan taking on way more financial stress than it was ever designed to deal with.

Yes there are risk pools. We need to pool them with similar risks. A problem perpetuating building in more risky areas is the massive subsidization and lower cost of building in risky areas burdening lower risk pools. There are few and far examples of homes being rebuilt after fires that carry a significant risk premium but that isn't close to the norm.

While I don't own an insurance agency, and I have some blind spots, I'm a real estate developer and have family in every type of real estate vertical including insurance so I see it from multiple angles. This is the same reason why the US can't have universal healthcare. Too many large populations that don't care about their health yet expect top-rate care when things go wrong because of those lifestyle choices. It is unfair for everyone to be in the same risk pool. I'd be game for top-rate universal healthcare for people who qualify by lifestyle choices. Anyhow, back to the subject...go Rams.

 

[snackdaddy]

The game is still 5 days away. Hopefully they won't have to move it. If they do Vegas seems like the most likely candidate. A 5 hour drive from LA. Shorter flight. Lots of hotels. Not on a weekend too.

 

[XXXIVwin]

Sounds to me like the air quality will probably be just fine at Inglewood and SoFi. With much of the city as a "buffer" between the fires and the stadium.

Main issue IMO is whether or not the fires will impact the Rams ability to practice over the next five days, with the air quality being "very unhealthy" currently in Woodland Hills, and could possibly get worse. Gotta think they are considering contingency plans.