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Started By
Message
Flood Insurance, Out of Flood Zone
Posted on 7/4/12 at 11:38 am
Posted on 7/4/12 at 11:38 am
I'm about to get a flood policy, but I'm out of a flood zone.
It's about $350 for the year. I figure it's worth it for peace of mind.
What do yall think?
It's about $350 for the year. I figure it's worth it for peace of mind.
What do yall think?
12
Posted on 7/4/12 at 11:44 am to BallyHOO
quote:
it's worth it for peace of mind
Posted on 7/4/12 at 11:45 am to BallyHOO
I know a few people that were out of the flood zone last year when a huge storm hit. Their shite flooded and they lost everything.
Posted on 7/4/12 at 12:43 pm to BallyHOO
Look at topographical maps of the area to see if you might be susceptible to flooding from pooling due to heavy rains.
Also, what is your elevation?
Also, what is your elevation?
Posted on 7/4/12 at 2:11 pm to BallyHOO
i guess it depends on your elevation. My home sits at 50' ASL, and the flood of record I believe was at 44.7 in my area, so I don't have it. It's not the heavy downpour that would get to my home, but backwater flooding from the Comite. So I feel safe not having it. Just depends what your situation is.
Posted on 7/4/12 at 2:17 pm to BallyHOO
Its only a dollar a day- $365 gets $250K on my house & $100K on contents. To me its worth it.
Posted on 7/4/12 at 3:09 pm to TigerintheNO
some years ago I was not in a flood zone- I had the insurance most neighbors did not- it flooded Peace of mine plus 20K in damages
if you can afford it buy it
I live in a no flood zone area now but still have the insurance
if you can afford it buy it
I live in a no flood zone area now but still have the insurance
Posted on 7/4/12 at 5:26 pm to BallyHOO
There are places where you know you won't flood.
I doubt there are hardly any such places in Louisiana.
I doubt there are hardly any such places in Louisiana.
Posted on 7/4/12 at 6:46 pm to BallyHOO
I bought it a few years ago after the river in Iowa flooded a few years back. I live by the Red River, and while it's never gotten as high as where we live, those people that lost their homes said that same thing (We've never seen the river get this high). For $1 a day, it's totally worth it to me.
Posted on 7/4/12 at 10:10 pm to BallyHOO
I am purchasing a policy tomorrow. I am not in a flood zone, but just think it's the reasonable thing to do.
Posted on 7/4/12 at 10:25 pm to BallyHOO
Depends on the area and how well you know it. If you've been there for years and there is no way you'll flood don't get it. If you are unsure, get it. $365 for the max policy. I think > 25% of all flood claims happen to people in preferred ("not in") flood zones.
Posted on 7/5/12 at 6:02 am to Slickback
If you live south of Alexandria, you should have it. $365 a year is worth it.
Posted on 7/5/12 at 8:51 am to BallyHOO
My old house was not in a flood zone, but when it rained hard by back yard would flood. It never really got close to the house but I wanted to cover myself just in case.
I got a policy for $75k and $25K contents for like $130 a year.
My thinking was if my house ever did flood it would only be a few inches or 1 foot max in the house. So what would it cost to replace all the floors and baseboards and half the sheet rock on the walls.
Its not like they are going to give you the max of $250k if you have 6 inches of water.
Get enough to cover yourself but why spend all that money on the max when you know you are not going to get Katrina type water in your house.
I got a policy for $75k and $25K contents for like $130 a year.
My thinking was if my house ever did flood it would only be a few inches or 1 foot max in the house. So what would it cost to replace all the floors and baseboards and half the sheet rock on the walls.
Its not like they are going to give you the max of $250k if you have 6 inches of water.
Get enough to cover yourself but why spend all that money on the max when you know you are not going to get Katrina type water in your house.
Posted on 7/5/12 at 9:00 am to ScottieP
quote:
Get enough to cover yourself but why spend all that money on the max when you know you are not going to get Katrina type water in your
This is true...but you also may have to replace furniture, etc., and for $30 per month, I figure go for it all. You never know.
Posted on 7/5/12 at 10:44 am to BallyHOO
For that amount of money, if it helps you sleep at night, go for it.
Posted on 7/5/12 at 11:03 am to GoCrazyAuburn
I need to get a policy but havent yet. The neighborhood I moved to has never had water, not from the May flood in '95 and not from Katrina. I have never seen standing water in my street in the 3 years I've lived here. My neighbor is a meteorologist and she told me they picked this area after she ran several flood projections at work.
Posted on 7/5/12 at 11:33 am to onelochevy
so you live in slidell and feel like you could never flood? Did i get that right?
Posted on 7/5/12 at 9:56 pm to BallyHOO
YES. We know people who were not in a flood zone and about 3 months after they moved in to their home, rainstorms deluged the area and they had no flood insurance to cover the damages. Nightmare it was.
Posted on 7/6/12 at 12:51 pm to tiger91
How much coverage for $350
Posted on 7/6/12 at 1:27 pm to Tigah in the ATL
quote:
I doubt there are hardly any such places in Louisiana.
There are plenty of them in N. La, if water ever gets in my house, all of La and most of Miss will be underwater.
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