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