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Message
re: I hope people start waking up and purchasing flood insurance
Posted on 8/13/16 at 6:05 am to TigerTatorTots
Posted on 8/13/16 at 6:05 am to TigerTatorTots
My primary residence will never flood unless the levee breaks or some other catastrophe happens. It will be post apocalyptic after, so I don't worry about it.
1
Posted on 8/13/16 at 6:14 am to TigerTatorTots
I got it.
Will use it to put repairs in the house when it floods today or tommorrow and move back to Crowley and build a house on piers.
Will use it to put repairs in the house when it floods today or tommorrow and move back to Crowley and build a house on piers.
Posted on 8/13/16 at 6:18 am to Canard Noir
quote:
piece of mind
Hopefully not a very big one.
Posted on 8/13/16 at 6:34 am to TigerTatorTots
I have it.
I've been flooded twice...over a decade ago in La...and then again a few years ago when I was living in Virginia.
It's not expensive, and well worth it.
I've been flooded twice...over a decade ago in La...and then again a few years ago when I was living in Virginia.
It's not expensive, and well worth it.
Posted on 8/13/16 at 7:00 am to TigerTatorTots
I am not in a flood zone, but about 100 yards from it. Just renewed my insurance on August 1st. $450 to protect my $265k home and contents..... No brainier
My aunt in denham is also not in a flood zone but just flooded, thankfully they have insurance as well.
However, my cousin just bought a house in Watson, they are the only one of two houses in their subdivision that didn't require flood insurance, and she didn't buy it. As of last night water was close to her door.....
My aunt in denham is also not in a flood zone but just flooded, thankfully they have insurance as well.
However, my cousin just bought a house in Watson, they are the only one of two houses in their subdivision that didn't require flood insurance, and she didn't buy it. As of last night water was close to her door.....
Posted on 8/13/16 at 7:49 am to VOLcano
A lot of places that flood are well above sea level.
I am amazed that anyone living near a lever wouldn't have flood insurance.
I am also amazed at the people who let their mortgage company do their thinking for them.
I am amazed that anyone living near a lever wouldn't have flood insurance.
I am also amazed at the people who let their mortgage company do their thinking for them.
Posted on 8/13/16 at 8:37 am to stlslick
quote:
Sometimes the insurance company won't cover a home. Especially if in flood plain.
That is what NFIP is for, issued specifically for those who can't get flood coverage through the private sector.
Posted on 8/13/16 at 9:45 am to ByteMe
quote:My mortgage company doesn't require it. I had water 3 inches up my slab in March; roughly 4-5 inches from inside my house. Just because the mortgage company doesn't require it, doesn't mean you won't flood.
If the Mortgage Company doesn't require it, there is a pretty good chance that you don't need it.
Posted on 8/13/16 at 10:10 am to TigerTatorTots
And mortgage companies have no clue about rapid changes in topography due to development.
Builders routinely fill in lots that are A10 and nobody says a word.
Builders routinely fill in lots that are A10 and nobody says a word.
Posted on 8/13/16 at 10:14 am to N2cars
True story, everyone saying they are not in a flood zone is in fact located in a flood zone
Posted on 8/13/16 at 10:21 am to Chad504boy
Correct.
X and C are just variations.
Rain events can open up and happen anywhere.
Pumps can fail, levees can break, drainage systems can back up or fail.
All of these things happen, much more frequently than "every 100 years".
Yet, every time, we will have people on TV, devastated, because "it never floods
here".
I feel terrible for those folks and have contributed financially and with my time to help them, but dang, flood insurance is the cheapest, best deal out there.
X and C are just variations.
Rain events can open up and happen anywhere.
Pumps can fail, levees can break, drainage systems can back up or fail.
All of these things happen, much more frequently than "every 100 years".
Yet, every time, we will have people on TV, devastated, because "it never floods
here".
I feel terrible for those folks and have contributed financially and with my time to help them, but dang, flood insurance is the cheapest, best deal out there.
Posted on 8/13/16 at 10:26 am to TigerTatorTots
If you purchase flood insurance now, will you be covered immediately?
I've never flooded, but I have flood insurance just cuz. Also have SF homeowners ins. for the hurricane deductible.
I've never flooded, but I have flood insurance just cuz. Also have SF homeowners ins. for the hurricane deductible.
Posted on 8/13/16 at 10:26 am to Kajungee
So you can't get FEMA-backed policy b/c you are in AE, right?
Posted on 8/13/16 at 10:28 am to Skillet
quote:
If you purchase flood insurance now, will you be covered immediately?
No, 30 day dead period
Posted on 8/13/16 at 10:35 am to Jcorye1
quote:
think it's more responsible homeowners that pay to have insurance get pissed when people who roll the dice get bailed out.
The government is going to bailout the insurance companies anyways, so what is the difference?
Posted on 8/13/16 at 10:35 am to Kajungee
Market value of house has nothing to do with replacement cost on house. Flood policies does include coinsurance penalties as well.
Posted on 8/13/16 at 10:37 am to Chad504boy
quote:
Market value of house has nothing to do with replacement cost on house.
Posted on 8/13/16 at 10:42 am to N2cars
What are people paying.
I am paying $1,024 a year for just the building.
I am paying $1,024 a year for just the building.
Posted on 8/13/16 at 10:43 am to Skillet
quote:30 day delay I believe
If you purchase flood insurance now, will you be covered immediately?
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