#Structured Disasters

[vaguely-concerned]

I think it says almost everything you need to know about varric that his reaction to the blackwall reveal is like... 'oh thank GOD you're a child murderer. for a hot second there I thought you were something much much worse' '.......like what' 'boring to me personally'

[wachinyeya]

The first and most important thing I learned when taking a uni-course on "Natural Disasters" is that there is no such thing as a 'Natural' Disaster. Nature is doing what it will do and there is no REAL control we have over that.

But what we DO have control over is our society--how we build our infrastructure, how we monitor the world around us, how we prepare and warn people of intense natural phenomenon, who and where resources go to and many other aspects of disaster prevention, preparedness and recovery.

Because when the impact of the natural phenomenon is minimal then it is no longer a disaster for our society, it simply is.

[feelingthedisaster]

one more person says aftg is badly written and im writing that essay

[moonlitbibliotheca]

[slabmaxxing]

rip spoke you wouldve loved arknights originium and catastrophes

[ladyofchroyane]

when the long night inevitably ends and the previous social structure has crumbled and both westeros and essos are in chaos, do you want characters who genuinely care about creating meaningful change to be in power, or do you want them to die/not be in power because “feudalism is bad” and therefore these characters who derive some of their authority from the class they belong to cannot hold any power after the long night bc that somehow contradicts one of asoiafs most prominent messages. (despite the fact that many of our main characters suffer due to the current social systems in place)

personally, i’d prefer it if the characters who are able to see the good in the undesirables of society (and protect/empower these undesirables) are able to live on in order to restructure society in a way that protects all people.

to be frank, i don’t think it’d even be possible for the world of asoiaf to return to feudalism after something like the long night occurs.

but the thing is, society needs structure and humanity will naturally restructure itself whether people like it or not. so when spring comes, i want the characters who wish for a better tomorrow for all people to be in power in order to create a better world.

so to everyone who thinks that certain characters being in power only perpetuates the cycle of class violence and oppression, i’d like to ask you what you think is a better alternative way for asoiaf to end.

[ohhgingersnaps]

Stars The Same As Ever (Hallmark AU)

Ch. 3/32 — When I Said, "Leave Me Alone," This Isn't Quite What I Meant T+ | Sebastian/Farmer

“Not important?” Sebastian asks, raising an eyebrow. “It’s not,” Ava insists, but the way her eyes shift and the pause before she says it tells him she’s lying through her teeth. Badly. He wonders whether she’ll fess up about the nature of her not-important emergency if he pushes her on it. He raises his eyebrows. Makes eye contact. Holds it. I can do this longer than you can, he thinks as she wavers, feeling more than a little smug. “Okay, it’s maybe a little important,” she finally admits, cringing. “There’s kind of, uh… A hole. In my chicken coop.” “There’s a hole in your chicken coop,” he repeats slowly. “A pretty big one. Anyway, I can figure it out! I think it’s not structural? Probably? And, you know, even if I can’t figure it out on my own, it’s fine for now, because I moved them into—” She cuts herself off mid-sentence, her eyes going even wider, and there’s a full two-second pause before she continues. “I… Moved them. Yes.” He narrows his eyes. “Moved them where?” She grimaces. “Into my house? Maybe a little bit?” “Into your house? Why?” He feels the corner of his mouth twitch upwards, and he takes another bite of green bean casserole to cover it. “How are they a little bit in your house?”

(Read the rest on AO3!)

[akimojo]

ok wait i'm curious to know what yalls go-to party is in ffxiii, because lightning-sazh-vanille always feels like such a no-brainer to me anytime i play and now i need to know if people think the same or not 👀

[why-the-heck-not]

no those aren’t weird sex noises coming from ur neighbour’s apartment; it’s ur local insomniac slap & folding bread dough in the wee hours of the morning

[cakemoney]

ianthe 'false things have a piquancy which the real can never match' tridentarius and dulcinea 'oh, it was so beautiful! that drawing looked nothing like me' septimus

[vaguely-concerned]

I am taking the fact that o'brien hung out with bashir in this lighting

for a whole episode, without it apparently stirring much in him other than maybe faint irritation, as proof that for all his other wonderful qualities our chief of operations really may be completely heterosexual

[maigetheplatypus57]

this one apocalypse au idea I've had since like 2020 has gone through two fandom changes at this point I'm giving up and making them ocs

[plumbingfacilitymaintenance]

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[the-bees-are-beeing]

Union Berlin Frauen won the first leg of the relegation match for 2.Bundesliga 8-0.

Actually insane.

[nargis04shaikh]

Is Property Insurance Mandatory in India? Here’s What You Need to Know

Owning a home is a dream come true for many Indians. But what happens when unforeseen events like fire, earthquakes, floods, or theft damage your most valuable asset? That’s where property insurance steps in — a crucial but often overlooked financial shield.

Let’s explore whether property insurance is mandatory, especially in cases involving a home loan, and why every property owner should consider it essential.

What is Property Insurance?

Property insurance is a policy that offers financial protection against damage or loss to your property due to accidents, theft, natural disasters, or man-made hazards. It includes:

Home insurance (for residential properties)

Commercial property insurance (for business premises)

Building insurance (for structure protection)

Is Property Insurance Mandatory in India?

In India, property insurance is not legally mandatory for individuals. However, if you are taking a home loan, the lender may mandate property insurance as a part of loan processing to protect their financial interest.

So, while it is not a government-enforced law, banks and NBFCs can require you to buy:

Property insurance for home loan

Home loan insurance (which is different and covers the borrower, not the property)

Home Insurance vs Home Loan Insurance – Key Differences

🔹 Purpose:

Home Insurance: Covers the structure and contents of the property against damage or loss.

Home Loan Insurance: Covers the borrower’s life, ensuring loan repayment in case of death.

🔹 Who is Covered?

Home Insurance: Protects the property owner and the property itself.

Home Loan Insurance: Covers the loan borrower only.

🔹 Mandated by Banks:

Home Insurance: Often required by lenders to protect the mortgaged property.

Home Loan Insurance: May be bundled with loan offers but is usually optional.

🔹 Policy Type:

Home Insurance: It's a house insurance policy that insures physical assets.

Home Loan Insurance: A form of term life insurance linked to the outstanding loan amount.

Why You Should Get House Insurance in India

Even if not mandatory by law, having a house insurance policy in India is highly recommended. Here's why:

✅ Protect Against Natural Disasters

Floods, cyclones, and earthquakes are increasingly common. A building insurance policy ensures your home is covered against structural damage.

✅ Coverage Against Theft and Fire

Modern flat insurance also includes protection against theft, burglary, and accidental fire.

✅ Protect Your Home Contents

Many home insurance plans include property insurance coverage for appliances, furniture, electronics, and jewelry.

✅ Peace of Mind

You invest lakhs or even crores in your property—why risk losing it all without insurance?

Types of Home & Property Insurance in India

Here are the common categories under house insurance in India:

Structure-only insurance – Covers building or flat structure.

Content-only insurance – Covers belongings inside the house.

Comprehensive house insurance – Covers both structure and contents.

Commercial property insurance – Ideal for shops, offices, warehouses.

What Does a Property Insurance Policy Cover?

Typical property insurance coverage includes:

Fire, explosion, and lightning

Earthquake and flood damage

Theft and burglary

Riot, vandalism

Breakdown of appliances (optional)

Alternate accommodation (in some plans)

❌ Not Covered (Unless Add-ons Applied):

Pre-existing damage

War or nuclear risks

Normal wear and tear

Intentional damage

📄 Documents Required for Home Insurance:

Property ownership documents

Address and ID proof

Property valuation

Home loan agreement (if any)

Conclusion: Don’t Wait for a Crisis – Insure Your Home Today

While property insurance may not be legally mandatory in India, it’s practically essential for financial security—especially in today’s unpredictable environment.

If you’ve taken a home loan, check whether the lender insists on property insurance for home loan. Even if not required, home insurance is your best defense against potential disaster-related losses.

[parhelios]

the most annoying thing about zombie/apocalypse aus is when people "riot" or "panic" GO READ A PARADISE BUILT IN HELL