Building independent insurance proof structures demands thinking beyond the box and into the future. Building the way we do today has nowhere to go. There are few ways to improve efficiencies or to reach the goals of creating OsumPODS with the methods or materials used in stick built construction, or any other conventional method such as steel, brick or block. The building industry depends upon cheap labor to be competitive, adding to the problems of illegal immigration. It’s not to say that there aren’t decent wages paid in the building industry, but where grunge work is required, it is not beyond most contractors to turn their backs and let illegal migrants get the work done. Changing our concept of how to build more logically and efficiently can eliminate much of the grunge work. It can also eliminate much of the waste that ends up in landfills.
To create structures that can withstand insurable losses, we must first engineer and then construct and furnish them so that they will meet numerous criteria, including but not limited to being able to withstand without appreciable damage those perils that are currently insured. More important, occupants must be able to survive within them. It is impossible to be totally immune to war and terrorist attacks, however, such structures would be far less vulnerable.
The challenges to reach such goals are first to develop materials and a process that will yield structures that can survive for at least a thousand years. Next will be to design such structures so that they are adaptive to our needs and easily upgradeable. Most important will be to disconnect them from outside utilities to make them independent.
We may ask if adopting a new code for building that incorporates all of the criteria espoused in the OsumPODS concept is enough to balance the impact that we put on this planet. Since our species negatively affect the planet in numerous other ways, it is certainly clear that how we build and how we consume to furnish and maintain what we build is only part of the equation. However, if we are able to achieve the design criteria, living and working in OsumPODS will have positive effects in many other areas. If OsumPODS are able to produce excess energy, that energy can then be utilized to power electric cars and other transportation. As the demand for electric powered vehicles rise, the transportation industry, in general, will be compelled to end production of gasoline and diesel powered vehicles. If OsumPODS owners supplement their diet with home grown fruits and vegetables, then the demand for farming will generally be reduced, thus, so will the demands for water and chemical based fertilizers. If products are manufactured to OsumPODS standards, then the demand for replacement products will predictably be reduced, thus less waste of materials and energy in the manufacturing process.
Hopefully the criteria applied to the OsumPODS concept will be applied to all endeavors, and at that point we will approach a sustainable existence. The significant other factor will be the control of world population. If we are unable to obtain these goals with technology, then the next step will be to actually reduce populations with birth control until we can create a sustainable existence. Once we have reached such goals, it will be important to monitor world population and live within reasonable guidelines. If we fail to take these steps, the environment will do it for us, and the process may prove to be very unpleasant.
It’s certain at first that the OsumPODS concept may appear to be outlandish and affordable only to the very wealthy, or likely to be implemented by just those few that have a high tolerance to risk. In fact, investing in OsumPODS is a venture, whose affordability cannot be weighed in the costs of construction alone. Overall, it is the intention of Building OsumPODS to prove that the concept will, given time, be more affordable than conventional construction. Also, the objective should not be misconstrued as a folly for an adventuresome few who can or are willing to gamble and not buy insurance, or to those that have a vendetta against insurance companies as a whole and hope to see them out of business. The logic of insurance isn’t conceptually bad. It is like the parable of the ant and the grasshopper, and we all know what happens to the grasshopper. The problem with insurance as a business is that it is the goal of the corporation to make its stockholders a reasonable profit if not wealthy, quite often at the expense of its policyholders. In reality, it should be the policyholders that own the company and benefit.
In building OsumPODS, it is not to say that structures must be or will be engineered to be virtually indestructible to be rated insurance proof. It would be near impossible to expect that anything manmade could withstand the forces of a volcano, an asteroid impact, a nuclear explosion, or a giant tsunami. Chances of survival in such rare and extreme events would make it impractical to engineer to prevent losses. Indeed, insurance companies do not insure for war, and most often make exclusions for certain catastrophes. Losses from catastrophic events of high magnitude, acts of God if you prefer, will always be answered by the compassion of those that survive, and by those organizations and governments that can help.
There are factors to implementing the OsumPODS concept that would be nice to ignore, such as dealing with current building codes and zoning, and possible lawsuits from threatened industries. There are certain policies, ideologies and practices in business and government worldwide that must be rethought and changed to help implement the overall goals. Allowing structures to be disconnected from utilities and municipalities, and building stronger and longer lasting structures that won’t be forced to purchase insurance will require much effort and perhaps some sacrifice since many time-valued practices and ideologies will go by the wayside. Perhaps the biggest battle will come from investors as numerous entities and products become obsolete.
Being able to choose to not purchase insurance, which is generally not an option now, would be a way of turning non-productive capital into productive capital and real assets. In reality, building IIPS is buying insurance that’s real, not some blind promise. There is a sad reality to purchasing insurance; once you quit paying premiums you are no longer insured, and if you never received a benefit you threw away money you could have used elsewhere. If you were honest and didn’t defraud the insurance company, you have footed the bill for those that do. In building IIPS, you are insured forever without spending a penny over the cost of construction. You also won’t be putting money into a nonproductive system that is highly susceptible to fraud and greed.