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re: If you didn't flood in Baton Rouge are you now getting flood insurance?
Posted on 8/23/16 at 2:25 pm to Nado Jenkins83
Posted on 8/23/16 at 2:25 pm to Nado Jenkins83
we need a MS Paint pic
1
Posted on 8/23/16 at 2:25 pm to gorillacoco
quote:
. By that logic, you should buy one time flight insurance every time. By the same token you should have legal insurance as well. People will sell you insurance for almost any risk. Do you buy it just because of the uncertainty?
No, it isn't the same logic. You should buy insurance for risks that you cannot afford to replace and/or self insure.
Posted on 8/23/16 at 2:26 pm to TigerBait1127
quote:
So I bring up a situation where a high elevation house (which he mentioned in his post) can still benefit from flood insurance in a thread about flood insurance and that doesn't have a point?
the way your parents house is built is not the norm
it would seem obvious that anyone with that type of setup would have flood insurance
Posted on 8/23/16 at 2:27 pm to TigerBait1127
quote:
So I bring up a situation where a high elevation house (which he mentioned in his post) can still benefit from flood insurance in a thread about flood insurance and that doesn't have a point?
Yes, your anecdotal story about a poor drainage/waterproofing situation really doesn't have a point.
I'm sure as frick not going to base my decision whether or not to buy flood insurance on the poor design/maintenance of someone else's house.
Posted on 8/23/16 at 2:27 pm to slackster
friends house in independence is built up, was high enough that it didn't flood with the river behind him. Good news right, never need flood insurance right... well that was up until all the water underneath home still shifted joists and all kinds of structural damage to home.
Posted on 8/23/16 at 2:28 pm to Salmon
quote:
the way your parents house is built is not the norm
Nor is having a 1,000 year flood the norm though.
quote:
it would seem obvious that anyone with that type of setup would have flood insurance
First time it has had water in 30 years
The point is, unexpected shite can happen, weigh the cost of it
This post was edited on 8/23/16 at 2:31 pm
Posted on 8/23/16 at 2:30 pm to LSUBoo
quote:
Yes, your anecdotal story about a poor drainage/waterproofing situation really doesn't have a point.
I guess it was just to hard for that little brain of yours.
quote:
I'm sure as frick not going to base my decision whether or not to buy flood insurance on the poor design/maintenance of someone else's house.
That might be one of the more well maintained houses in the state, and where did I ask you to base your decision on it?
You sure seemed pissed about this for some reason.
Posted on 8/23/16 at 2:30 pm to Chad504boy
quote:
friends house in independence is built up, was high enough that it didn't flood with the river behind him. Good news right, never need flood insurance right... well that was up until all the water underneath home still shifted joists and all kinds of structural damage to home.
this seems like obvious need for flood insurance
Posted on 8/23/16 at 2:31 pm to TigerBait1127
quote:
I guess it was just to hard for that little brain of yours.
nah
it seems obvious that if part of your home is below gradient, that you would need flood insurance
Posted on 8/23/16 at 2:32 pm to mpar98
Anyone who didn't flood after the 500 year storm probably never will.
I'm on a hill and didn't even get puddles.
I'm on a hill and didn't even get puddles.
Posted on 8/23/16 at 2:35 pm to Salmon
quote:
it seems obvious that if part of your home is below gradient, that you would need flood insurance
I'm sure that played into their decision.
It also seems obvious that if you live in south Louisiana, you should strongly consider flood insurance.
But here we are with how many houses uninsured?
Posted on 8/23/16 at 2:37 pm to TigerBait1127
quote:
You sure seemed pissed about this for some reason.
Not at all, just your parents' house as described has a level (or at least part of one) below grade... great reason to have flood insurance since normal homeowner's won't cover any water that comes from the ground up.
Very very very few houses in S. Louisiana go below grade, so it's by and large irrelevant in a thread immediately following widespread flash flooding and backflow flooding.
Posted on 8/23/16 at 2:39 pm to TigerBait1127
So your parents basically have a basement?
Posted on 8/23/16 at 2:42 pm to OneMoreTime
quote:
So your parents basically have a basement?
No
Top of the hill is on the 2nd floor.
The house is built partially on the incline of the hill with a deck structure overlooking the bottom about 15-20 feet from the bottom.
No part of the house is underground
This post was edited on 8/23/16 at 2:43 pm
Posted on 8/23/16 at 2:46 pm to Chad504boy
bought usaa today,$150K on dwelling , 60K on contents for $349.00
Posted on 8/23/16 at 2:47 pm to Chad504boy
quote:
we need a MS Paint pic
MY FIRST ONE EVER!!!
This post was edited on 8/23/16 at 2:54 pm
Posted on 8/23/16 at 3:07 pm to Barrister
Same, not even close to flooding this year or ever but we do have some higher risk areas not far away and on 2-3 sides of our property, so I went ahead and got it.
Posted on 8/23/16 at 3:11 pm to mpar98
I did. Water was to close for comfort. I also know there will be a few major construction projects in my area soon. Once complete who knows what that will do to water flow. I got luck this time.
Posted on 8/23/16 at 4:11 pm to JOJO Hammer
I purchased 200k/80k policy today. Deductible is 1,250 for structure AND 1,250 for contents...they are separate.
I didn't flood in Springlake, but this event helped me realize flooding can happen in ways I didn't previously realize. I have a drain in my backyard and if the drainage gets obstructed it can easily back up and flood my home.
Also, not all homeowners policies have sewer back up coverage.
The likelihood of a 1,000 year flood is rare indeed, but I'm also a believer that sometimes things happen because conditions at that time are ripe for them to happen.
Think of it this way...statistics would tell you the odds of LSU winning another Natty after only winning 1 in its entire history would be slim. Yet...they win 2 in a 4 year span and play for another 4 years after that. Heck...they may win another this year.
Just my 2 cents on it...but present trends seem ripe for more flooding in the near future. Just like present circumstances make LSU more likely to win another Natty now than they did in the 90's.
I didn't flood in Springlake, but this event helped me realize flooding can happen in ways I didn't previously realize. I have a drain in my backyard and if the drainage gets obstructed it can easily back up and flood my home.
Also, not all homeowners policies have sewer back up coverage.
The likelihood of a 1,000 year flood is rare indeed, but I'm also a believer that sometimes things happen because conditions at that time are ripe for them to happen.
Think of it this way...statistics would tell you the odds of LSU winning another Natty after only winning 1 in its entire history would be slim. Yet...they win 2 in a 4 year span and play for another 4 years after that. Heck...they may win another this year.
Just my 2 cents on it...but present trends seem ripe for more flooding in the near future. Just like present circumstances make LSU more likely to win another Natty now than they did in the 90's.
This post was edited on 8/23/16 at 4:13 pm
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