From some perspectives and
4/9/2023 at 10:06 AM
tlr said "this is absolutely false. "
In some situations, I can see why insurance would be different for everyone, and everyone has brought up good points for both cases so far. However, I know from dealing with my insurer, I have to pay higher yearly already, as I am not within proper range of a fire station, so putting up a 250 site campground in dry area right across from me will inevitably raise my premiums because of increased risk factor. It wont go up if there isnt anything there. I will also now have to re up the coverage on my pole barns just to ensure I have proper replacement coverage because I am in closer proximity to that proposed campground. I can only assume that from an overwriters viewpoint, the increased traffic and exposure will increaae theft risk, so thats probaly another price jump. Thats an increase on me, though as a homeowner, as it would be for anyone, I get that point, but that still doesnt change the fact that I dont want more risk, or more premuims to go up. I have a.valid point, and an opportunity to speak up for it.
As an example, in comparison, its like the backup flood insurance every insurance provider wants home owners in the city to have because of increased flood risk and damge that is on the rise. The more risk, the more money out of everyone's pocket.
The more that risk and variability that changes on my coverage, liability and risks go up, as do insurance costs. And if a fire does break out at that site, and it spreads to the fields , that one incident ruins a sector of land for a season for the farmer. Insurance only covers losses, it doesn't count for the blood sweat and tears put into land. It's a huge loss either way if a fire breaks out, because then the farmers insurance would show an incident on their land, within proximity to a property that had a fire, which raises risk and premiums. Does that mean we bubble wrap everything and cancel everything? No, that's not what I'm saying at all. Never have. I am stating that we need to evaluate risk vs return to make a sensible decision. Saying "I want" is far easier than saying "I'm sorry", but retrospect only factors into one of those approaches, and do any of us really want to say we were wrong about limiting fire risk?
It costs nothing to make a safe decision.
To finish off, I commend the RM for holding the meeting. From conversations I've had, they're all willing and open minded about hearing feedback on the proposal. To clarify, this is a proposal by an independent owner, and the RM is simply holding the hearing to gain feedback and make their decision in the best interests of the public. The RM is not involved with the development, just to be clear.
Also, I wish no ill will to anyone. The owners of all of the properties around here are great people, the proponents i:ncluded. I do not wish them any ill will, and certainly don't aim to say that they don't have a right to do what they want with their property. Land is money, I get that. But the risks here are far too many to ignore, and as one who is affected greatly by this proposal, I have to represent my best for my property too.
I commend everyone for their points, many of which have valid reasoning to them. Democratically, the approach and conclusion to the proposal be an outcome we will all learn to accept, and learn from.
Edited by B-athome, 2023-04-09 10:10:46