Wow, a lot has gone on here.
As far as “act of God”, we don’t really go by that phrase here. We use “unavoidable” or “natural act/act of nature”. Things that are unavoidable? Vandalism, rock chips…etc. Acts of nature? Hitting a deer (or in some cases, a deer hitting YOU), hail dmg, general weather dmgs. Each state has actually drafted its own insurance laws and codes. In some states (MN is an example here) we have to ask if you have a snow plow attached to your vehicles (even if it is a Corvette or something stupid). Some states have this neat little thing, where if you carry comp covg then you can get any glass replaced for free, regardless of why or how it was broken. Some states have a similar rule, but it applies only to the windshield.
Hurricanes, would fall under weather. And even though we can see them approaching, it would be considered unavoidable since you can’t stop them, or take precautions from them happening.
And David, as much info as you have provided, you also have to remember that statistics statewide are not very telling. For instance. I believe Florida (where I live) has about 17 million people (or did as of 2004), the county that I live in, has more than one million people. My little county holds 1/17 of the entire state’s population. My county used to be full of strawberry patches, and orange groves. Most of them have been replaced by $500k homes. Our poverty and income levels changed drastically. Since there were no more farms, we have a much smaller migrant population. Since the migrants couldn’t afford the homes that replaced their workplaces, they moved on. People with shining Lexus’ and Beamers moved in.
I found this link http://www.fedstats.gov/qf/states/22000.html that shows LA vs the US in a lot of different stats. Poverty isn’t listed, but the “avg earnings per job” shows only a difference of about $7k. And to look closer, the Orleans Parish (county) “avg earnings per job” show Orleans Parish as $37,033, and the entirety of LA is actually $29,532. Personal income per capita: 25,880 for vs. 23,090 for the state.
And someone not born in the U.S. might not recognize it…but I think we learned this in about the 3rd grade here…Her real name, btw, is “Liberty Enlightening the World”.
“Give me your tired, your poor, your huddled masses yearning to breathe free, the wretched refuse of your teeming shore.” These words are the most quoted of Emma Lazarus’ poem “The New Colossus” which adorns the base of the State of Liberty. Lazarus was born in New York City in 1849, and was a published poet and author by age twenty-five. In 1883, she published the poem to raise money for the construction of the pedestal for the Statue of Liberty. Unfortunately Lazarus didn’t live to see her poem placed on a bronze plaque at Lady Liberty’s feet in 1901.