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re: Any options for people without flood insurance?
Posted on 8/12/16 at 5:30 pm to Tigeralum2008
Posted on 8/12/16 at 5:30 pm to Tigeralum2008
Nope. There's a 30 day wait if it is not associated with a loan closing.
2
Posted on 8/12/16 at 5:31 pm to Paul Allen
That's what I figured. I'm dry but my buddies in LP are getting close to being flooded
This post was edited on 8/12/16 at 5:32 pm
Posted on 8/12/16 at 5:31 pm to ForeverLSU02
quote:
I guess 75% of the state are fools then....
Just within the past month, everyone in my neighborhood was moved from a flood zone A to an unshaded X (LOMR went into effect July 15 after determining the flood maps have been inaccurate for the past decade), and I gladly canceled my $3800/year flood insurance completely. Today, quite a few people in the neighborhood got a few inches of water in their houses, literally a few weeks after cancelling their policies. I'm definitely reconsidering carrying a cheap policy now, but prior to this I really felt like I was being robbed.
Posted on 8/12/16 at 5:33 pm to ILikeLSUToo
non-flood zone flood insurance is like 300-500 a yr. its nothing for the peace of mind.
Posted on 8/12/16 at 5:38 pm to gsvar2004
Damn, I feel for him and his family. Things will get better.
Posted on 8/12/16 at 5:49 pm to Clark W Griswold
quote:
I know zero people who pay for flood insurance where it's not a flood zone
Somebody puts in a subdivision upstream of you and bingo, your home that's "not in a flood zone" gets water in it next time it rains.
Reasonable states have regulations about such things, but LA is devil take the hindmost, as it is on everything else.
Posted on 8/12/16 at 5:51 pm to gsvar2004
Clothing, towels, sheets and stuff like that, get it now and get it in a washing machine and a dryer. Anything that can be salvaged do it. If the water was that high, they are looking at a total home gut. Every little bit helps
Posted on 8/12/16 at 5:56 pm to gsvar2004
fire
if its only 3 feet up then you only have to use a full sheet of drywall horizontally
if its only 3 feet up then you only have to use a full sheet of drywall horizontally
This post was edited on 8/12/16 at 5:59 pm
Posted on 8/12/16 at 6:05 pm to Paul Allen
quote:The loophole is get a small home equity loan and you can bypass the 30 days.
Nope. There's a 30 day wait if it is not associated with a loan closing
Posted on 8/12/16 at 6:14 pm to gsvar2004
Contact a local church, the larger, the better.
You don't have to be member of their congregation.
Where do they live?
You don't have to be member of their congregation.
Where do they live?
Posted on 8/12/16 at 6:19 pm to gsvar2004
Most important thing
Have hi take pictures of everything.
Everything. It will make the claims process much easier.
Have hi take pictures of everything.
Everything. It will make the claims process much easier.
Posted on 8/12/16 at 6:26 pm to mahdragonz
As soon as the water goes down take pics and start cutting that stuff out. Or try Service Master or Service Pro and get on a list. But don't let it sit. Start with what you can.
Posted on 8/12/16 at 6:30 pm to gsvar2004
Oh he's in a flood zone,
Probably the X variety
Probably the X variety
Posted on 8/12/16 at 7:20 pm to gsvar2004
From what I've heard, flood insurance is through the feds.
If that's true,,then that's almost as bad as not having it at all.
If that's true,,then that's almost as bad as not having it at all.
Posted on 8/12/16 at 8:04 pm to gsvar2004
Not much.
Posted on 8/12/16 at 9:19 pm to gsvar2004
quote:
Woke up to ankle deep water and before they were rescued had waist deep. Being in a non flood zone what's their options other than being SOL?
wainscoting
Very popular in southern Louisiana
Posted on 8/12/16 at 9:23 pm to tke857
quote:
non-flood zone flood insurance is like 300-500 a yr. its nothing for the peace of mind.
Yep. I got mine after watching the disaster in N. LA last year.
Posted on 8/13/16 at 9:03 am to Chad504boy
Can you give us a summary of the flood ins. that is govt. backed? And that it only covers up to a certain $$$ amount.
You are the board's Insurance Dean, after all...
You are the board's Insurance Dean, after all...
Posted on 8/13/16 at 9:13 am to N2cars
Flood insurance is not homeowner's insurance. Flood policies are typically sold by any number of homeowner's insurance company's but those polices are all FEMA policies and administered by FEMA. While a homeowner's policy is made to put an insured back to the way before the covered loss, the flood policy is designed to give you a repaired home.
There are limits to coverage, dwelling is limited to a maximum of $250k, contents are limited to $100k. Every flood policy has a base flood elevation on file for the policy (BFE) Structure and content coverage below the BFE are really limited. Outbuildings and contents in outbuildings are not going to have coverage for the most part.
There are limits to coverage, dwelling is limited to a maximum of $250k, contents are limited to $100k. Every flood policy has a base flood elevation on file for the policy (BFE) Structure and content coverage below the BFE are really limited. Outbuildings and contents in outbuildings are not going to have coverage for the most part.
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