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Started By
Message
re: If you didn't flood in Baton Rouge are you now getting flood insurance?
Posted on 8/23/16 at 10:51 am to mpar98
Posted on 8/23/16 at 10:51 am to mpar98
I would, this one was a game changer.
With flooding in North LA this past spring.
With Katrina in 2005
With BR flood in 1983 and 2016.
I'm getting it.
With flooding in North LA this past spring.
With Katrina in 2005
With BR flood in 1983 and 2016.
I'm getting it.
0
Posted on 8/23/16 at 10:51 am to JonnySoul
quote:$1250 for mine
Don't know about you guys,but my policy has a $5,000 deductible .
Posted on 8/23/16 at 10:52 am to lsupride87
quote:
It actually is. About $40 a month if you are in Zone X
I am in that zone. That would be about a 40% increase in insurance premiums on top of my homeowners insurance. While $40/month doesn't sound like much, that's a relatively steep increase compared to what I'm paying now.
And yes, I know that's way cheaper than $50k or whatever it may cost to repair a flooded home.
Posted on 8/23/16 at 10:54 am to mpar98
I can't wait to see how much my flood insurance premium decreases after this event did not flood my house or damage it in any fashion.
If I didn't get wet carpets during the worst flood since 1927, that should mean I'm a lower risk customer, right????
If I didn't get wet carpets during the worst flood since 1927, that should mean I'm a lower risk customer, right????
Posted on 8/23/16 at 11:00 am to poops_at_parties
quote:
This event just served to prove the theory that flooding can happen ANYWHERE at ANYTIME. Get the damn flood insurance. Got to be a damn fool not to after this event.
Airplanes have crashed, any plane can crash, one time life insurance for a flight is incredibly cheap, are you going to buy the additional insurance each time you fly? Your logic for buying flood insurance would say you should.
Posted on 8/23/16 at 11:01 am to Salmon
(no message)
This post was edited on 6/28/19 at 9:34 am
Posted on 8/23/16 at 11:07 am to ForeverLSU02
Let's hope this doesn't happen again within 30 days.....
Posted on 8/23/16 at 11:08 am to Salmon
quote:No.
that will more than likely go up, no?
Posted on 8/23/16 at 11:09 am to mpar98
I'm in Lafayette and did not flood. However I am in a flood zone am in the process of getting flood insurance for peace of mind
Posted on 8/23/16 at 11:09 am to buffbraz
Amen.
Posted on 8/23/16 at 11:09 am to buffbraz
quote:I'm counting the days
Let's hope this doesn't happen again within 30 days.....
Posted on 8/23/16 at 11:11 am to ForeverLSU02
quote:
I'm counting the days
As was I in March. I slept a lot easier this time.
Posted on 8/23/16 at 11:11 am to Barrister
quote:
I live in Denham
You call that living?
Posted on 8/23/16 at 11:12 am to mpar98
I'm going to look more into the topo maps before really deciding, but my first thought is that I won't get it. The creek behind my neighborhood didn't come close to overtopping and my house is a good bit higher than the top of it.
Posted on 8/23/16 at 11:13 am to USEyourCURDS
quote:
So at a rate of $450 a year in flood zone X for 40 years give or take for inflation, you are looking at $18,000 to $20,000 over the course of an average adult life. Tell me how logical it would be if you did flood and had to take out a low interest loan and pay for all of your stuff to be replaced potentially coming out in the 100,000s?
obviously its a risk
but the logical rationale would be that the chances are very, very low and that the $20,000 you pay in insurance would be nothing more than for "peace of mind"
which is fine, I'm not faulting anyone for getting flood insurance after this
Posted on 8/23/16 at 11:13 am to PhiTiger1764
quote:
I am in that zone. That would be about a 40% increase in insurance premiums on top of my homeowners insurance. While $40/month doesn't sound like much, that's a relatively steep increase compared to what I'm paying now.
And yes, I know that's way cheaper than $50k or whatever it may cost to repair a flooded home.
You cant afford $480 a year? For something that cheap why not get it? For the peace of mind alone.
Posted on 8/23/16 at 11:13 am to lsupride87
quote:
No.
interesting
how do we know this?
Posted on 8/23/16 at 11:13 am to lsupride87
quote:quote:
that will more than likely go up, no?
No.
But the flood maps in relation to who is in Zone X are more than likely going to change.
What does flood insurance cost in Zone AE?
Posted on 8/23/16 at 11:14 am to PhiTiger1764
quote:
I am going to look into it just to see what it costs. But probably not. I was never threatened.
In Youngsville, same reply for the same reason.
Posted on 8/23/16 at 11:14 am to PhiTiger1764
quote:I just bought it today. The max coverage is $250,000 for the home and $100,000 for the contents. Cost $450 for 12 months of coverage with a 30-day wait period.
I am going to look into it just to see what it costs. But probably not. I was never threatened.
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