Tag Archives: Queensland

Stay classy, Atlases

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VEXNEWS‘ headline, while verbose, really does nail it: GREEDY GERRY: Heartless Harvey fiddles at lavish Gold Coast party while Queensland drowns.

That’s Gerry Harvey, of Harvey Norman; and John Singleton, who (with Harvey) owns a thoroughbred brokerage aptly named ‘Magic Millions’. This photo and others were taken at its launch while much of the rest of the state of Queensland was underwater. From the article, with my emphasis:

When asked by a reasonably friendly Gold Coast Bulletin scribe about whether continuing the event in light of the hardship endured by the rest of Queensland, Harvey’s partner John Singleton’s response showed a remarkable lack of sensitivity even by the vulgar standards of the average Sydney spiv: “You feel a bit guilty having a good time when you see what is happening in other parts of Queensland and northern NSW, but on the other hand the Aussie way is life goes on.” Charming.

Context, however, is everything. There’s a good reference to the fall of Rome in there, but here’s the real bit of background which brings it home:

Gerry Harvey is closely associated with the brand of his many outlets where so many Australians buy the goods that furnish their homes. Many (fortunate enough to be insured) Queenslanders will come to file into these outlets in the days and months ahead when they want to replace all the things they lost. He stands to make (yet another) fortune. You’d think the man would show a little more decency during this sobering time for our country.

Well, you would — but in fact, it’s worse than that. Many of those worst affected by flooding actually aren’t insured for it — because insurers expressly exclude flood damage from their policies. Most cover storms (falling water in the local area) but not flooding (rising water, or that which originated elsewhere). The Queensland Department of Primary Industry has a summary:

A major obstacle that delays insurance claims is the different definitions for flood and inundation in insurance policies. The Australian Securities and Investments Commission (ASIC) defines ‘flood’ as:
“In general terms, flood damage refers to the inundation of a property by water which overflows from a natural watercourse, while storm and tempest damage refers to the inundation of a property by water as the result of a storm.”
Therefore, some inundation risks are covered by the term ‘flood’.
According to ASIC’s Consumer Understanding of Flood Insurance Report, both types of damage are usually linked to a storm, and a property may be inundated by both water from the storm and water overflowing from a natural watercourse. However, most insurance policies don’t cover damage to a property if caused by:
* inundation of water flowing from a natural watercourse
* inundation of water from both the storm and overflow of a natural watercourse (unless most of the damage is caused by stormwater)
* other phenomena, such as earth movement, even though this may itself have been caused by water from a storm.
The Insurance Council of Australia advises consumers to review the terms and conditions of their cover in their Policy Disclosure Statement.
If in doubt, contact your insurer.

It makes sense, as an insurer, to decline to offer cover for anything which might actually cost money; and there abides a regulatory environment which permits insurers to do just this. The topic, and related problems resulting from poor government policy, are covered in some detail in a column by La Trobe University disaster researcher Rachel Carter in today’s Australian. Consequently, despite the present floods being declared the most severe disaster in Queensland’s history and with some discussion today that it may be the worst in the history of the Commonwealth, insurers were, a few days ago, saying that the losses to their industry would be modest.

(Sidebar: if you’ve not connected the dots, this is the same insurance industry to which the Key government intends to deliver ACC early in their second term. Don’t say you weren’t warned.)

And so it is as it ever was: even in an affluent, modern first-world democracy with strong disaster-response agencies, which likes to regard itself as an egalitarian nation where the “little guy” gets a fair suck of the sav — when push comes to shove the big guys make out like bandits, and the little guy goes under.

In both cases, literally.

L

The Big Wet

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Having neglected my bloggerly duties these past six weeks (in fact, I’ve been neglecting all my duties which aren’t strictly in service of looking after my family and keeping my job), I had resolved to write something about one of the many momentous events which have taken place recently. There are many to choose from. Some topics (Pike River; Wikileaks; Foreshore and Seabed for instance) are no longer immediate; others (the re-emergence of Winston Peters, commencement of the NZ general election campaign and its forerunner the Botany by-election) are not yet sufficiently well-formed for me to quite know what to say about them yet. Yet others (notably the shooting of Gabrielle Giffords, Wikileaks and the Urewera Terra trials) have been more ably dealt with by Pablo and/or so many others, such that anything I could say would be redundant. There’s already enough peoples’ two cents rattling around in the hollow urn of internet discussion. In the context of these events other things I was meaning to write about (such as the manvertising topic Pablo discussed before the break) seem a bit trivial.

Add to all of this, today there is really only one story; that an area twice the size of Texas — the canonical measure of a really big thing — is underwater in Queensland; including much of Brisbane. The coverage put out by the Australian media, and in particular the ABC, is first-rate, and the best I can do is commend it to your attention.

There is one point, however, that I don’t think has been made strongly enough: and that’s that events such as these are a consequence of climate change. While it is fashionable for climate change deniers to mock those pointing to the increasing frequency and severity of snowstorms, cold snaps, hurricanes and torrential rainfall events as evidence for ‘global warming’; implying that climate science proponents try to take everything as evidence of ‘global warming’, the fact is that the term ‘global warming’ was retired and replaced with ‘climate change’ because the thesis isn’t just that the planet will get warmer.

That’s part of it, but the events — snowfall and what not — being pointed to are not climate; they are weather. The relationship between climate and weather is a lot like the relationship between mathematics and arithmetic — indistinguishable if you don’t understand them, but fundamentally of a different order. Weather, like arithmetic, is by and large small, trivial, unarguable stuff — stuff which is more or less self-evident. It rained this much last week; 2+2=4 — whereas climate, and mathematics, are bigger, more open-ended and by definition less quantifiable. Mistaking ‘weather’ for ‘climate’ is an immensely useful rhetorical device, and one which I believe has not been sufficiently well guarded-against by those whose task it is to argue the climate change case. But even though it may not have been made clear to the degree necessary for broad public and political comprehension, this distinction is well understood by those working in the field and anyone who cares to acquaint themselves even scarcely with the material. And fundamentally the take-away is this: climate change caused by the increased quantity of greenhouse gases in the atmosphere, to the extent that it takes place, will have unpredictable flow-on effects such as increased frequency and severity of severe weather events, and not just heat waves and droughts such as ‘warming’ would suggest.

The XKCD comic above (of which some years ago, my wife bought me the t-shirt) shows the Cosmic Microwave Background radiation spectrum. This has nothing much to do with climate change, but it is a famous proof of the scientific method: a near-perfect agreement between theory and actuality which is pretty fundamental to our understanding of a bunch of stuff. Science’s only defence; the only thing which gives it any importance or makes it any use at all, is that it works. When properly applied, it predicts actual events. The Queensland floods, as well as other such events, are happening as predicted, and anyone who tells you otherwise is either ignorant, or having you on, or both. In Andrew Bolt‘s case, it’s both. Queenslanders — and others similarly impacted by such events — need neither.

L