- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
1
Posted on 8/23/16 at 11:15 am to Salmon
quote:Zone X premiums are Zone X premiums. Now, they will likely rezone some people which will cause insurance to go up.... So if you are in Zone X and want insurance, get it now
interesting
how do we know this?
Posted on 8/23/16 at 11:15 am to OneMoreTime
quote:
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.
I think we live in the same neighborhood... if so I checked the topo maps and we are in a really good spot.
Posted on 8/23/16 at 11:16 am to Salmon
quote:The only thing that frustrates my libertarian arse is this:
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
If there is a flood in 10 years, those without flood insurance who CHOSE not to purchase it, will be calling guys like me assholes and dicks for saying they dont deserve a penny of help.
I mean look at the threads from a week ago. People like me were vilified
This post was edited on 8/23/16 at 11:17 am
Posted on 8/23/16 at 11:16 am to EA6B
quote:
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.
Im not out here to bash anyone. Everyone has their own reasons to have or not to have flood insurance. Bottom line is Baton rouge and the surrounding areas are very flat. Fast moving water can and will travel over a long distance if enough is displaced. That is one of the major reasons why places flooded that werent in a flood zone.
Posted on 8/23/16 at 11:16 am to lsupride87
quote:
Zone X premiums are Zone X premiums. Now, they will likely rezone some people which will cause insurance to go up.... So if you are in Zone X and want insurance, get it now
would the insurance not change after they change the zoning?
Posted on 8/23/16 at 11:17 am to Spock's Eyebrow
quote:
quote:
I'm counting the days
As was I in March. I slept a lot easier this time.
I know it doesn't cover wind driven rain, but rising water during a hurricane would still be covered I'm assuming? Watching the tropics pretty closely until my 30 days is up.
Posted on 8/23/16 at 11:17 am to TennesseeFan25
Actually, xxx year floods do not mean that many years, rather a 100 year flood represents a 1% chance yearly, 500 year is a .5% chance etc. and we could have the same rain event next year and the only thing that changes is a neighborhood is built and changes the flood plain, a highway is build and creates an artificial levee, etc, and the flooding could be drastically different.
Posted on 8/23/16 at 11:17 am to lsupride87
quote:
If there is a flood in 10 years, those without flood insurance who CHOSE not to purchase it, will be calling guys like me assholes and dicks for saying they dont deserve a penny of help.
I wouldn't.
Posted on 8/23/16 at 11:17 am to Salmon
quote:They might, but they still have not adjusted the map in New Jersey since before Sandy. If you have flood insurance prior to be rezoning as a flood plain then your "lower" rate will be grandfathered in.
I assume flood premiums will go up drastically in the area after this, no?
Posted on 8/23/16 at 11:18 am to Salmon
quote:Did you read my post?
would the insurance not change after they change the zoning?
quote:
Now, they will likely rezone some people which will cause insurance to go up
Posted on 8/23/16 at 11:18 am to Salmon
quote:
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
you have this assumption that all flood events occur in the same manner.
Posted on 8/23/16 at 11:18 am to SuperSaint
quote:
you call that living?
You just used that lame joke with someone living in Denham. And yes I call it living. May not be right for you, but we love it there.
Posted on 8/23/16 at 11:18 am to buffbraz
quote:
I know it doesn't cover wind driven rain, but rising water during a hurricane would still be covered I'm assuming? Watching the tropics pretty closely until my 30 days is up.
Yes that would be covered.
Posted on 8/23/16 at 11:19 am to Salmon
quote:
if you're house did not come close to being flooded after this event, I don't understand why someone would get flood insurance now
This is honestly my position based on where I am. I live about 1' off the highest elevation point within BR city limits, my house is raised another 3' above that. The two creeks/ditches near my home are both more than 1/2 mile from my home and their banks are 12 feet below my home elevation.
Hell, I'm still 5 feet above the Mississippi River flood stage from the flooding a few years back.
Posted on 8/23/16 at 11:19 am to Chad504boy
quote:
you have this assumption that all flood events occur in the same manner.
nope
Posted on 8/23/16 at 11:19 am to LSUBoo
quote:If you're south of 10, we don't. I'm off coursey.
I think we live in the same neighborhood..
This post was edited on 8/23/16 at 11:21 am
Posted on 8/23/16 at 11:20 am to Salmon
quote:I see what you mean now. No, if you buy your premium in zone X, then they rezone you, you still get Zone X pricing as long as you stay on time with your renewals. Chad correct me if I am wrong
Salmon
Posted on 8/23/16 at 11:20 am to Salmon
No you do. You've been saying how foolish it is to purchase now since you didn't flood during event.
Posted on 8/23/16 at 11:20 am to lsupride87
quote:
Did you read my post?
I did, but you said to get insurance now if you are in zone whatever since they will likely change the zones
but it really doesn't matter if you get it now or later because if they change your zone they will increase your policy whether you get it now or later
Page 4 of 11
Popular
Back to top
Follow TigerDroppings for LSU Football News