Sometimes connecting the dots is hard--other times it's pretty easy. Last week's connection was pretty easy. The Chronicle ran two pieces on density, but no one there connected the dots so let's do it here. The front page piece was "Density" cited in canceled policies". It noted property insurers consider two flavors of density--how closely packed together houses are and how many policies any one insurer has in an area. Both are causing the insurance crisis in California to spiral up. Insurers don't like the risk of a fire in one house jumping to its neighbors. And they realize multi-family means multi-kitchen, etc. So "you're canceled".
Two pages later there was a headline "Court rules lawmakers can override local housing limits"--to force more, you got it, density.
Limits on housing density approved by local voters can be overridden by lawmakers, a California appeals court ruled, upholding legislation that was intended to encourage construction of small apartment buildings. The law, SB10 by state Sen. Scott Wiener, D-San Francisco, allows city and county governments to authorize new housing with up to 10 units in some urban areas, including those near transit, without conducting environmental studies.
“The housing shortage is a matter of statewide concern,” and SB10 is “reasonably related to addressing that concern,” Justice Brian Hoffstadt said in Thursday’ 3-0 ruling, which upheld a judge’s decision.Hoffstadt cited previous legislation aimed at addressing the shortage of affordable housing, starting with a 1965 law that required local governments to adopt long-term plans to promote adequate housing.
You read that right. This has been an issue since 1965. Why? Because it's always going to be an issue. You cannot outbuild the global demand to live in the Bay Area--unless you make it notably less livable vis a vis water, traffic, grid stability, crime, street parking, et al. Those are symptoms of density. Some stupid judge can't change that, and neither can the legislature. If you live next to a project that is building three, four or five units on a 5,000 square foot lot and you lose your insurance coverage, will you have a cause of action? Against whom? The state? Good luck with that.
And if you are thinking insurers can't or won't cancel you, think again. No explanation required. They could easily use housing density as the deciding factor in where to reduce their policy density. The Law of Unintended Consequences will not be denied.
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