Brushing Away Fire Insurance

First of all, let's deal with the chimera in the room -Global Warming Climate Change had nothing to do with the catastrophic fires in Los Angeles this week.

There has been no appreciable change in SoCal rainfall in the past 175 years. That's a 1st order indicator of climate right there.

Now let's get on to what's scary for those of us living in this deep blue insane asylum this week: homeowner's insurance. Dig this edited snippet from X.

I began practicing law in the 80s. Since then I've litigated insurance related issues all over the country, including my share in California. This  situation is going to hit hard nationally - maybe even internationally.  The ultimate consequences will be staggering.

Insurance companies can't afford the risk of bad governing and poor planning. If government chooses to focus on things like DEI, cultural competency, and LGBTQ hires -  as opposed to maintaining a razor sharp emphasis on things like infrastructure, including reservoir systems, water flow, fully staffed and well trained manpower, fire houses, pumps, etc. (you can't focus on both) - who bears the risk? Everyone, including insurance companies. Insurers can hardly afford the inflated costly rebuild materials in California anyway, but moreso it's the excessive regulations that compound the cost of a rebuild AFTER a loss.  No sane enterprise, insurance related or otherwise, wants to be in a forced marriage with low level incompetent bureaucrats manning the desks of a local municipal codes department.

Working through the maze of regulatory bureaucracies that is California comes at incomprehensible costs to people who simply want to put up a building.

Not only that, California regulations aggressively cap premiums and require approval of all rate hikes and in some situations may be required to participate in pooled payouts for disasters that the government-run home insurance program (FAIR) can’t cover.

So buckle up. This is going to cost you.

Having built and remodeled houses in California, I know he's right about the regulatory hurdles in construction. They were bad for us, but are far worse along the coast where the big dollar damage happened. That's not the part that's scary. 

FAIR is the state-run, as in deep-blue California-run, insurance that became necessary when several large insurers fled the state after the last round of screwups by the progs. FAIR is very expensive and has almost no reserves. $200M is what I recall seeing. The losses from these fires are on the order of a hundred B. 

No problem, right? The state is on the hook for that, right? Wrong.

Any insurance company operating in the state of California is liable for the losses suffered by FAIR. Every insurer operating in CA is manacled to that corpse. They are all going to pay which means we are all going to pay and then ... what?

Well, the sane ones that still operate in the state will leave. There just isn't any money to be made insuring 7+ figure assets in an environment of gasoline and match-flinging meth-heads. Or, to be more accurate, dry kindling, high winds, lazy and incompetent political leaders, tens of thousands of crazed addicts and environmental regulations that prevent the accumulation of water and the removal of fuel.

Where is that going to leave California residents? It's going to leave us at the U-Haul parking lot. Hopefully we can get out before all the insurers do.

Our governor, Gavin Newsom, doing what he does best.

The Leaders in LA And California Don't Know How Anything Works

 ... stated here by the owner of the LA Times.

If You Can't Protect Your Daughters

 ... then how are you going to protect Islamic women in the UK?

More to the point, why are you even talking about this?

I've seen quite a bit of talk about Islamophobia in the UK following the glaring sunlight suddenly shining on the Muslim rape gangs, mostly thanks to Elon Musk. This conversation between Piers Morgan and Gad Saad is a good example of it.

Discussing Islam with @piersmorgan on @PiersUncensored. pic.twitter.com/z6GVWuRyWC

— Gad Saad (@GadSaad) January 9, 2025

It's all so much balloon juice because the Muslim rape gangs are still operating.

Paedophiles are still grooming and abusing children 'in every city around the country', the police officer who brought down one of Britain's most dangerous sex rings warned today.

Simon Morton, a former senior detective for Thames Valley Police, has said that abusers are still operating in plain sight and 'influencing and arranging others to do the same thing'.

Mr Morton's led the Operation Bullfinch investigation that saw 24 men of mainly Pakistani origin jailed for a total of 250 years child sex offences in the Oxford area - but he warned today: 'The guys we couldn't catch are still out there'. 

There are countless stories like the two below where the white, British fathers of white, British girls got in trouble for trying to rescue their daughters from rapists of diversity.

'I was put in a police car and taken away.'

The father of a Rotherham grooming gang victim tells GB News how he was arrested twice when trying to rescue his daughter from an abuse den. pic.twitter.com/x3hIU4HvX0

— GB News (@GBNEWS) January 8, 2025

John in Lancashire says his daughter was gang raped by Pakistani groomers in Oldham when only 13-years-old.

"I phoned the police, a police constable told me to let it go, otherwise I'll get arrested for being racist."

"This goes higher and deeper than any of us can imagine." pic.twitter.com/CNR1A2bLgZ

— Talk (@TalkTV) January 8, 2025

Those are all horrific enough, but what truly blew me away was a conversation about the Sharia courts operating all over England and how this is hard on Muslim women. I can't find the video now and I want to go to the gym, but this is the article that lays it out for you.

Britain has become the “western capital” for sharia courts with men able to end their marriages by saying “divorce” three times.

An investigation by The Times also discovered that polygamy is so normalised that an app for Muslims in England and Wales to create Islamic wills has a drop-down menu for men to say how many wives they have (between one and four). The app, approved by a sharia court, gives daughters half as much inheritance as sons.

The number of sharia courts, also known as councils, in Britain has grown to 85 since the first began operating in the country in 1982.

Muslims from across Europe and North America are increasingly turning to Britain’s sharia courts, which operate as informal bodies issuing religious rulings on marriage and family life.

About 100,000 Islamic marriages are believed to have been conducted in Britain, many of which are not officially registered with the civil authorities.

What blew me away was the utter lack of proportion and practicality in the discussions of Islamophobia and the plight of Muslim women.

YOU AREN'T PROTECTING YOUR OWN DAUGHTERS. NOW IS NOT THE TIME TO WORRY ABOUT MUSLIMS.

The rapes are still going on and they're so indoctrinated into diversity and inclusion that they are actually concerned with how the perpetrators feel.

I have a suggestion. Why not have the NHS supply Viagra to the rape gangs? I mean, can you imagine the shame if Mohammed, having just left a different rape gang where he banged 3 British whores, joins his mates for a gang-bang of different British whores and then he can't get it up? Talk about embarrassing! His friends might think he was gay and stone him to death right there on the spot! We can't have that. Won't someone think of the Muslims?

Then there's the practical aspects of the situation. If you live in one of the towns where the rape gangs operated and you realize that your Muslim neighbors all knew it was going on, but said and did nothing, just how does Piers Morgan think you're going to react to them? What kind of attitude will you have to your Muslim neighbors?

Finally, the conversation about the Sharia courts focused primarily on protecting Muslim women. In these courts, a Muslim woman can be forced into a marriage if her male guardian agrees to it. She doesn't get a choice. My goodness, that's awful! Those marriages are not valid in England. We need to help the Muslimah escape that situation.

Just how in the world are you going to do that? How are you going to protect her from the violent retribution of her community when you can't even protect your own daughters from them?

Not to worry, all that matters is diversity. Once we have enough of it, we will be stronger.

Rejoice, DEI consultants! After being raped, Sharon is pregnant with Ahmed's baby. Soon we will have more diversity!

How Many DEI Consultants Can Dance On The Head Of A Burning Pin?

It blew my mind to hear that there was no water coming out of the fire hydrants during the Palisades fire this week. I know California is mismanaged, but that's simply insane. Others have dealt with the horrors elsewhere, what I want to explore is how the Elites that run California do not, as I have ranted many times on this blog, know how anything works.

First, here's a staggering video from the LAFD.

LAFD Assistant Chief Kristine Larson:

"Am I able to carry your husband out of a fire? He got himself in the wrong place." pic.twitter.com/BofTVr6dWP

— End Wokeness (@EndWokeness) January 9, 2025

If she can't carry your husband out of a burning building, that's his problem? And on what planet do I want to see someone responding to my emergency that looks like me? This is DEI and Social Justice taken to it's logical extreme. Projected feelings of various marginalized groups who don't actually have those feelings trump performance.

Meanwhile, the mayor of LA directed citizens to URL if they need information. No, really.

Los Angeles Mayor Karen Bass tells residents that if they need emergency help or shelter it “can be found at URL.”

What?!

This is the perfect picture of the incredible levels of incompetence ravaging Los Angeles right now. pic.twitter.com/Hbsu9fERbw

— Charlie Kirk (@charliekirk11) January 9, 2025

Wow. Luckily, the LA fire chief likes to eat carpet, so we have that going for us.

Not everyone is incompetent, however. Sal Mercogliano, the guy who runs the outstanding What's Going On With Shipping YouTube channel, posted this on X, explaining why some of the hydrants ran out of water.

One needs to understand that water towers are typically filled during low water usage periods (largely at night). The filling line is substantially smaller than the discharge.

Pressure on the hydrants and to homes (which is the same line) is caused by the weight & gravity of the water. 

As homes are burned, all the water connections to the home are opened (sinks, toilets, washers, etc). So you start draining water as you lose each house.

You eventually get to the point where you can sustain the system and run out of water.  

What is needed is a way to shut the towers off from the primary system and have a secondary fire system that is routed to several strategically located fill points for fire apparatus.

You can then fill the tanks and have water for suppression.

But that cost $$$$.

Of course, Sal does not work for the government of California. They would no doubt despise him as he's one of those dirty, little people who worked with their hands.

Having acknowledged that trade-offs have to be made in the design of the water system and allowing others to go nonlinear about the horrific performance of the progs who run CA, I'd conclude with the following.

If you aren't going to provide water, for whatever reason, you simply must keep the fires from starting in the first place. That means aggressive maintenance of the scrub brush. You cannot allow the fuel to build up, no matter how many Schlumberg's Reticulated Voles buy the farm. If you aren't going to provide water and you don't ruthlessly remove the kindling from the area, you're going to get what we've seen this week - parts of Los Angeles burned to the ground.

The Comanche Revisted

Three more data points. The first seems to come from Sweden.

Oof. No, I didn't look up the studies, but I've seen other studies for real that show the same thing from several different European countries.

The second is a snippet from a conversation between Jordan Peterson and Piers Morgan. Jordan's solution, an international symposium on Islam, is typical Jordan for those rare times when he makes a mistake - useless eggheadery, but within the conversation is the staggering stat that in some British towns where the industrial-scale rape of white, British girls was being done by the Muslim men, about 1 in 7 Muslim men were participating. 1 in 7? That's insane. Everyone in the Muslim community knew about the rape gangs. Everyone.

Jordan Peterson: “40 out of the 50 muslim countries are authoritarian hell holes."

He is not wrong.

Watch Peterson educate Morgan about islams incompatibility with Western democracies:

pic.twitter.com/tRtimkE1zx

— Rebecca Mistereggen (@RMistereggen) January 7, 2025

The last is this story from a divorced father describing his unsuccessful efforts to keep his autistic daughter out of the hands of the local Muslim grooming gang.

Exclusive: Jez, the father of a Pakistani rape gang victim, reveals that the grooming gangs still exist and have spread to the South of England.

Jez details how the police refused to acknowledge his autistic, 17-year-old daughter being abused by older Pakistani men was a crime. pic.twitter.com/LVXzgdP0Jg

— Turning Point UK 🇬🇧 (@TPointUK) January 7, 2025

Don't you think he had better things to do with his life than try to protect his little girl from a pack of imported savages?

It's analogous to the problem faced by the settlers on the frontier dealing with the Comanche. It was enough for them to try to support their family by dry-dirt farming, plowing behind a mule, building nearly everything by hand and preparing nutritious, locally-sourced, sustainable, organic food. At some point in time, they lost interest in trying to figure out if the paleolithic savages nearby were going to steal their livestock, burn their farm to the ground, rape their women and kill them or not. Sufficient unto the day is staving off starvation and avoiding freezing to death. They didn't need to add the Comanche, Apache or similar brutes for whom stealing, raping and murdering was both recreational and career-enhancing.

It is impractical to expect the general populace to spend their time and energy managing an alien culture whose attitude towards infidel women is akin to wolves sizing up lambs. In the end, the solution the locals will choose may well be efficient and callous.

There's also a cost-benefit trade-off to the accuracy of the civilized guy's assessment. If the (Muslim, American Indian) is a ruthless savage and you incorrectly classify him as (moderate, peaceful), your women get raped. That's going to bias the assessments in a strongly negative direction. All the finger-wagging in the world from the protected, pampered multiculturalists isn't going to make a difference.

Summarizing with a self-quote, from this post comes this final section.

Sarah Hoyt, Revisited

Going back to the Instapundit post by Sarah that motivated my dive into Comanche history, this quote keeps coming to mind.

(After a deep dive into African history), what became very clear to me is that whenever civilized (in this case defined as post-tribal) humans collide with tribal humans, tribal humans lose. (The tribal people) use the techniques that work in between tribes, imagining that their adversaries are also a tribe:

They start off with unimaginable massacres and horrible evil in the belief that this will cause the adversaries to back off... (T)he more atrocities they commit the more they aggravate the anger of the civilized people.

The civilized hold back, afraid of committing atrocities, and the tribal humans commit more atrocities, and act like victors, while doing truly horrific things.

And then at some point the post-tribal people lose it.

What comes after is usually horrific and causes college social studies majors to cry centuries later.

Not All Sicilians

Wife kitteh's first husband was Sicilian. If I recall correctly, his parents were first generation. They still have close ties to Sicily.

Some of his family members were in organized crime, mostly running gambling rings and other minor odds and ends. Everyone in the community knew who the Big Tuna was and what he did.

Now dig this description of just a sliver of the horrors and moral cowardice of the industrial-scale gang-rape of white British girls that has been going on for over a decade in England.

Social workers were intimidated into silence. Local police ignored, excused, and even abetted pedophile rapists across dozens of cities. Senior police and Home Office officials deliberately avoided action in the name of maintaining what they called “community relations.” Local councilors and Members of Parliament rejected pleas for help from the parents of raped children. Charities, NGOs, and Labour MPs accused those who discussed the scandal of racism and Islamophobia. The media mostly ignored or downplayed the biggest story of their lifetimes. Zealous in their incuriosity, much of Britain’s media elite remained barnacled to the bubble of Westminster politics and its self-serving priorities.

Among the Sicilians, everyone in the community knew who the Big Tuna was and what he did. The Big Tuna and his buds ran the numbers racket out of the back of their dry cleaning business. They didn't organize the gang-rape of thousands of girls.

One night in Oldham in 2006, for example, a 12-year-old girl named “Sophie” entered a police station and reported that she had just been molested in a graveyard by a man named “Ali.” A desk officer told her to come back with an adult when she was sober. Two men accosted her in the police station. Joined by a third, they raped her in their car. When they dumped her on the street, she asked a man named Sarwar Ali for directions. He took her to his home, raped her, and gave her money for bus fare home. A man named Shakil Chowdhury pulled up in his car and offered to take her home. He abducted her and took her to a house where he and four other men repeatedly raped her.

It beggars the imagination to suggest that Muslim men raping 200,000 white British girls over more than a decade was concealed from the Muslim community. If it wasn't concealed from the journalists, the politicians and law enforcement, it most certainly didn't come as a surprise to the Muslims themselves. Those white girls must have stuck out like sore thumbs in the Muslim sections of town.

In any army, the majority of the members are not in combat arms. Most of them work in logistics, transportation, administration, maintenance and other support roles.

I guess we shouldn't judge a military based solely on the actions of the few guys who pull the triggers.

It's unjust and bigoted to suggest that she has any awareness of the artillery barrage going on at the front.

Bonus Data Point

So the cops knew, but the next-door neighbors didn't?

Did you know the police shut down two operations that identified a disproportionate number of Pakistani Muslims engaged in organized crime for fear of being called racist. Baldy and Crazy were two of those scumbags.

I'm in Cornwall at the moment but can send you details when I…

— Kenny Smith (@KennySmithHP) January 6, 2025

The Cuyahoga Grooming Gang Scandal

The true extent of the Pakistani gang-raping of white, British girls is now coming to light. The numbers are staggering with some estimates as high as 200,000 British girls having been raped by the Muslims over more than a decade. It was systemic, purposeful, organized and the authorities knew about it at the time.

I've got a few things to say about it which you might not have seen anywhere else. The first one is how the West's university system poisoned the culture to the point where the deliberate coverup of the Pakistani rape gangs wasn't just possible, but inevitable.

With apologies to Ohioan, the analogy that came to mind was the Cuyahoga River in the 1960s. If you don't know the story, industries along the river would dump their toxic wastes into the it, poisoning everything downstream. The climax of the adventure happened when the river caught fire in 1969. I vaguely remember the newscasts and my parents discussing it. As a child, I couldn't understand how a river could burn.

But burn it did.

En fuego.

That's where the West is right now. Marxism has captured our education system and it classifies everything into oppressor - victim categories. If your group has done well, it's because you're an oppressor. If your group has done poorly, it's because you've been victimized by the oppressors. Everything the oppressors created was created to maintain their power and keep their victims down. Art, music, literature, science, mathematics, whatever it is, if it came from white people, it's a tool of oppression.

You can be a conservative anywhere in the West or, more specifically, a Tory in England and you still carry this toxic classification tool with you, often subconsciously. The grooming gangs may have operated in places locally managed by Labour, but they happened under a long period of Tory national rule.

The reason I say covering for the grooming gangs was inevitable is because almost everyone coming out of university and, by definition almost, this means everyone in a position of power, can't help but see the Pakistanis as natural victims and white Brits as natural oppressors. No evidence is required because evidence is garlic to the Marxist vampires*.

And so the Tories brought in more and more and more Muslims, members of a faith that see unbelievers as easy meat, particularly when they aren't covered in black potato sacks as Allah intended.

I know that we're supposed to reflexively exhibit a "not-all-Muslims" spasm, but I don't see the need to do that as will be explained in a future blog post.

We have 1500 years of experience with this and it almost always goes in the same direction. See also: Nigeria. See also: Lebanon.

It was completely predictable that the Pakistanis, who have a particularly virulent strain of Islam endemic to their culture, would have a cadre of members who ended up gang-raping as many white British girls as they could get their hands on.

Thanks to the Marxists having captured our education system and poisoned the culture with their unreasoning hate of Western culture, it was also completely predictable that everyone downstream of their poison would make excuses for the victims of white oppression taking their justifiable revenge on the little, British, white girls.

Note: In this post, I've chosen not to link to any of the court testimonies that have been released lately. They're worse than you can possibly imagine and easy to find with search. If you do go read them, understand that you aren't looking at a single set of gang-raping Pakistani Muslims, but a template for a hundred or so gangs spread out across the length and breadth of England.

200,000+ little girls were raped and we let this happen because, thanks to the poisonous effluent downstream of our universities, we felt sorry for the rapists.

* - Hey, you try to write stream-of-consciousness rants almost every day and not mix your metaphors.