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Posted on 3/6/15 at 8:23 pm to Random LSU Hero
I remember maybe 6-10 years ago my Aunt had cancelled her flood insurance after paying for it for 20 years. Obviously, since the home had never come remotely close to flooding, she decided to stop paying for such useless insurance.
The very next year her house flooded.
The very next year her house flooded.
Posted on 3/6/15 at 8:28 pm to Random LSU Hero
I don’t want a wood-burning fireplace. But if I take an apartment with a wood-burning fireplace, even though I could give a rat’s arse about a wood-burning fireplace, I have to pay an extra two hundred dollars a month for the wood-burning fireplace. And three of the places make you put down a five hundred dollar deposit if you have a dog. Can you believe this? How can people ask you for a monthly fee for a parking space? I mean, they’re making money off your rent, off your utilities, when you use their coin-operated washer and dryer – that’s cash directly in their pocket. And by the way, it’s not even that good a parking space. It’s out in the open under one of those trees that drops the sap on your car that eats away your paint. Who’s gonna pay for my car, huh? Where’s my five hundred dollar, paint-killing tree sap deposit? It's on Sixty-two and a half B Street. And that’s another thing – what’s with this half business? Why do all these apartments have this half thing going? It’s stupid. If sixty-two is taken, move on to sixty-three.
Posted on 3/6/15 at 8:29 pm to Shadowlink
quote:
quote:
If you're in a flood zone, I think you are required to have flood insurance
This is correct.
Not entirely true. If you are in a flood zone but have a flood elevation certificate stating you are above BFE, then you can apply for a LOMA ( letter of map amendment) with FEMA. It cost money not sure how much but once you get the letter you mail it to your lender and they will excuse you from having to get flood insurance. People in my neighborhood have done this. Unfortunately it does not lower your cost for flood insurance, it only lets you get out of it. How I see it if I'm in a flood zone and above BFE there is a 99% chance I won't flood but there's always that 1% chance. To me wasn't worth it.
Just looked it up. A LOMA cost $425 for a single dwelling.
This post was edited on 3/6/15 at 8:34 pm
Posted on 3/6/15 at 8:30 pm to S
quote:
I don’t want a wood-burning fireplace. But if I take an apartment with a wood-burning fireplace, even though I could give a rat’s arse about a wood-burning fireplace, I have to pay an extra two hundred dollars a month for the wood-burning fireplace. And three of the places make you put down a five hundred dollar deposit if you have a dog. Can you believe this? How can people ask you for a monthly fee for a parking space? I mean, they’re making money off your rent, off your utilities, when you use their coin-operated washer and dryer – that’s cash directly in their pocket. And by the way, it’s not even that good a parking space. It’s out in the open under one of those trees that drops the sap on your car that eats away your paint. Who’s gonna pay for my car, huh? Where’s my five hundred dollar, paint-killing tree sap deposit? It's on Sixty-two and a half B Street. And that’s another thing – what’s with this half business? Why do all these apartments have this half thing going? It’s stupid. If sixty-two is taken, move on to sixty-three.
Do they make you have flood insurance on the second floor?
Posted on 3/6/15 at 9:04 pm to Random LSU Hero
quote:
Ill go ahead and pay the repair cost.
not close to paying off house.
If you are not close to paying off the house then you are not ready to pay for flood repairs.
In any case there is no way out of the flood insurance. It's not like fixing a ticket. Your lender is not going to put up with nonsense, nor should they.
Posted on 3/6/15 at 9:06 pm to Tigris
Again read my post.
Posted on 3/6/15 at 9:10 pm to Random LSU Hero
I had a house off city park and did not need flood insurance when I bought in 97 because the front was in the good zone. When I refinanced a couple years later, the new bank said that I needed flood insurance because the back half of the house was in the bad flood zone. When Karina hit, I was relieved to have had insurance. It was only 2" of water, but the flood claim was over $100k.
Get the insurance.....
Get the insurance.....
Posted on 3/6/15 at 9:12 pm to LSUEEAlum
Agree it's a scam. I live in a 3 story on the river. If my bottom level floods, flood insurance won't cover it because it's under the flood elevation line. So basically I'm paying for flood insurance that will only pay out if my second story floods. If that happens, we're all fricked.
Posted on 3/6/15 at 9:28 pm to Slingin Pickle
If you don't need it buy it cause it is cheep. If you need it you will pay.
Posted on 3/6/15 at 9:52 pm to Random LSU Hero
Trust me dude, even just an inch or two of water damage (covered) could cause thousands and thousands of dollars worth of damage.
I think people underestimate what their insurance company allows for because of the deserved negative view of the insurance industry.
I think people underestimate what their insurance company allows for because of the deserved negative view of the insurance industry.
Posted on 3/6/15 at 10:11 pm to More beer please
One of the constants of life is "water rolls downhill."
Unless you are in a FZ. Water rolls up in your house.
Unless you are in a FZ. Water rolls up in your house.
Posted on 3/6/15 at 10:17 pm to Random LSU Hero
Your insurance company must think your house will eventually flood. They are experts at what they do. They hire geologists as consultants to determine flood zones, the geological record doesn't lie. You must live in a flood zone. You may die before it ever floods, but it will flood. Deal with it.
This post was edited on 3/6/15 at 10:24 pm
Posted on 3/6/15 at 10:44 pm to VanCleef
No flood insurance; no care
Posted on 3/6/15 at 10:53 pm to cpaulk
Did you not read my post retard?
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