Anxious Days

 

Editor’s note: This post has been delayed one day on account of dismally slow internet service, most likely caused by the service provider’s defective equipment. Thanks, Ajit Pai, Chairman of the FCC, for continuing to safeguard the interests of monopolistic corporations while disregarding those of ordinary citizens!

Waiting through an outbreak of severe weather can be nerve wracking if you’re one of the millions of Americans living in substandard housing. Related to withstanding severe weather events, substandard housing means no basement or a weak foundation, poorly engineered roofing, shoddy workmanship overall, bad drainage around the structure, easily shattered windows, and any number of other problems large and small generally not present in the well built housing of the upper classes. Should something bad happen to a substandard structure due to severe weather, the people living there often do not have the resources to recover from it.


Severe weather affects everyone, rich and poor, but what is usually overlooked is how the poor disproportionately suffer the adverse effects of it both coming and going. To know that should a tornado, a hurricane, a derecho, a hailstorm, ice storm, or flood deal even a glancing blow to the place you live causes many anxious days, first in watching the weather forecast and then during the day or days of the event. There’s personal safety, of course, and the possibility of unaffordable emergency medical attention, and then the possibility of damage to the structure and the unaffordability of repairs, if it is repairable. The last thing any person living in a structure without a safe, reinforced room or basement wants to hear is the freight train roar of an approaching tornado, and to have children to protect must make even imagining such a scenario unbearable.

Winslow Homer - Hurricane, Bahamas
Hurricane, Bahamas, an 1898 painting by Winslow Homer (1836-1910).

All things are relative, and while comparatively few people in the United States have to exist in notoriously unsafe conditions like those in a Brazilian favela, there are still far too many in this rich country who live a hair’s breadth away from personal and financial disaster, a ruin which can befall them in a few unfortunate moments with the caprice of bad weather. As severe weather outbreaks become more frequent and as the population continues to increase, the possibilities for deaths, injuries, and property damage will also increase, all of which burden poor people more than others (yes, even death, because of the costs to survivors).

In the 1978 BBC television production of dramatist Dennis Potter’s Pennies from Heaven, Bob Hoskins as sheet music salesman Arthur Parker encounters a busker called The Accordion Man, played by Kenneth Colley, who in return for Arthur treating him to a meal treats Arthur to a rendition of the song “Pennies from Heaven” (lip synched to a 1937 recording by Arthur Tracy).

Insurance companies’ business model currently has them paying out after disaster strikes (contesting the payout all the way, and digging in their heels where they can), while offering little incentive for builders and developers to proof structures against disaster. Eventually, as expenses incurred by natural disasters mount to insupportable levels, insurance companies will have to come around to a more preventive strategy of offering lower premiums for stronger structures, something easier for them and builders and developers to cooperate on for wealthier homeowners. Where government can step in to protect poor people is to enforce insurance policy standards for their housing, rather than continuing to allow the corruption and slapdash oversight which currently riddles the market. Meantime, as always you’re on your own out there, particularly if you’re not rich, and you have to look out for yourself to stay safe. Good luck.
— Izzy

 

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