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Comment by navi0 | Hacker News Reader

I'm not going to win points for defending a megacorp, but if this person wants to self-insure (and owns his home outright), then he would be entitled to do so. But until the mortgage is paid and he is able to self-insure, the insurance company sets the rules.

Put differently, if a fire were to happen and this open air mechanics/tire shop were to ignite and destroy the three neighboring properties, is this homeowner entitled enough to pay all damages caused by his negligent storage of combustible materials?

[edit] Plenty of notice should have been provided so the property owner had an opportunity to address the issues found, which may or may not have happened. We only have one side of the story here.

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Put differently, if a fire were to happen and this open air mechanics/tire shop were to ignite and destroy the three neighboring properties

Again, a description like really misrepresents the facts. The guy appears to own 2, possible 3 motor vehicles, and has two sets of 4 tires. It looks as if he had hoped to upgrade one of his vehicles by putting some shiny new wheels on it. O am not a car guy, but this looked to me like some personal property stored in his yard, not a hobby that had spun out of control. If he had stored them in a shed or covered storage area nobody would have said anything (because they wouldn't have seen it) even though the risk would have been identical or greater. There's no particular reason to expect a fire to break out in the middle of a subdivision, tires aren't known for just spontaneously bursting into flame.

By contrast, in my neighborhood there is a tire business of some kind at one end of a residential street, which must have 2-300 tires stacked up, directly adjacent to a bunch of houses and a freeway overpass. They've been there for man¥ years so I assume it's a normal business with normal permits, even though it's a massive fire hazard with a higher risk of a fire breaking out from the unpredictable nature of commercial traffic, industrial equipment, vandalism/arson etc.

The main issue for insurance companies arises from a combination of California's increasingly hot and dry climate and the fact that most uses here are made out of wood and thus extremely susceptible to fire damage. The people rationalizing the insurance company's decision as if this guy somehow had it coming are BSing themselves.

>2, possible 3 motor vehicles

5 cars. 1 on street, 3 porch, 1 tarp. Most likely two more in double garage.

>and has two sets of 4 tires

Over 30 tires, some truck sized (bigger than what that astro van? uses). Rusting engine block, heads, plus transmission case, exhaust and fender/hood in the grass.

Reporter material shows fresh garbage bags in the yard suggesting dude started cleaning the moment he got the rejection. Whats more drone footage looks to be recorded after on the ground clips, with backyard meticulously cleaned, things neatly stacked (still 6 piles of tires) and overgrowth mowed.

>in my neighborhood there is a tire business

In commercial zoning, paying commercial insurance.

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