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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 11:21 am to OneMoreTime
Posted on 8/23/16 at 11:21 am to OneMoreTime
quote:
If you're south of 10, we aren't. I'm off coursey.
Never mind then.
0
Posted on 8/23/16 at 11:22 am to Chad504boy
quote:
You've been saying how foolish it is to purchase now since you didn't flood during event.
I haven't called anyone foolish
Posted on 8/23/16 at 11:23 am to lsupride87
quote:
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
its likely the case but at the end of the day they make up their own rules and basically do what they want. broader picture, if your zone is changed or ratings go up, generally its because you actually do have a greater chance of flooding than originally thought making an increased premium even more worth the cost you pay.
Posted on 8/23/16 at 11:23 am to Golfer
quote:
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.
There are def some people in the BR area that would probably always be in the clear unless the Mississippi levee broke which would be game over for BR anyways. The people who live on the built up areas off of highland theres no need for flood insurance there.
Posted on 8/23/16 at 11:24 am to Salmon
quote:
I haven't called anyone foolish
quote:
but it doesn't seem like a very logical rationale
look if you going to take a stance, you need to go balls to the walls and own it.
Posted on 8/23/16 at 11:26 am to Chad504boy
quote:
look if you going to take a stance, you need to go balls to the walls and own it.
yeah didn't call anyone foolish, just not logical
and I'm talking about people in the heavily hit areas
if you got the same amount of rainfall as the neighborhood next to you and they flooded and you didn't come close to flooding, I don't see the rationale to get flood insurance
Posted on 8/23/16 at 11:27 am to tke857
quote:
You cant afford $480 a year? For something that cheap why not get it? For the peace of mind alone.
It's not about being able to afford it. It's whether it's worth it to me, personally. If any utility of mine (cable, Internet, car ins) suddenly increased by 40%, I would take a look at it and decide if it's worth it or if I needed to change something.
Posted on 8/23/16 at 11:27 am to mpar98
Just purchased it 250k/100k for $450 a year. For $37.50 per month and as much as I stressed watching the water come up the street knowing I didn't have flood ins. I went ahead and got it.
Posted on 8/23/16 at 11:28 am to tigersnipen
quote:
Just purchased it 250k/100k for $450 a year. For $37.50 per month and as much as I stressed watching the water come up the street knowing I didn't have flood ins. I went ahead and got it.
If water had started coming up my street, I'd have been on the phone a week ago.
Posted on 8/23/16 at 11:28 am to Salmon
its just not a simple clear cut scenario for a next flood event when you are moving the heavier gray shades around and maybe the next flood event is 4 days or this or that... they are all different events.
Posted on 8/23/16 at 11:28 am to mpar98
If I didn't flood during this I won't flood till the world ends. The city would be destroyed if I flooded I think.
Posted on 8/23/16 at 11:30 am to Chad504boy
quote:
its just not a simple clear cut scenario for a next flood event when you are moving the heavier gray shades around and maybe the next flood event is 4 days or this or that... they are all different events.
cool
the next event could be worse and you could flood, I have yet to claim otherwise
I'm just talking about the percentages of it actually happening
Posted on 8/23/16 at 11:31 am to Salmon
quote:
I'm just talking about the percentages of it actually happening
ok cool. you talking percentages. Can you compare the % of a flooding event to the % your house burns down?
Posted on 8/23/16 at 11:31 am to PhiTiger1764
quote:Attaching a percentage to this makes no sense. I never understand why people do this when dealing with money.
suddenly increased by 40%
40% could be $15 or $15,000. It isnt an apples to apples comparison
This post was edited on 8/23/16 at 11:31 am
Posted on 8/23/16 at 11:32 am to Chad504boy
quote:
Can you compare the % of a flooding event to the % your house burns down?
educate me
Posted on 8/23/16 at 11:33 am to Chad504boy
quote:
ok cool. you talking percentages. Can you compare the % of a flooding event to the % your house burns down?
The % my house burns down is nearly infinitely greater than the % my house floods.
Posted on 8/23/16 at 11:33 am to Salmon
quote:
educate me
i can't. i'm not the % expert. insurance is for that very small chance, i'm not nit picking differences. if insurance wasn't for a very small chance, they wouldn't offer $350k worth of coverage for $450.
Posted on 8/23/16 at 11:36 am to Chad504boy
quote:
insurance is for that very small chance
right
never claimed otherwise
Posted on 8/23/16 at 11:38 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
there are two type of flooding situations:
1) flash flood. My aunt in Denham got 3" of water in their house on Friday of the rain event. water quickly receded. When the Amite rose, they did not get water in the house.
2) backwater/River flooding. soo much runoff hits the river system at once and cant get out fast enough.
Relocate those 30" of rain in a 48 hr period to your subdivision, and chances are you will get flash flood water....
There are not too many places that can handle that amout of rain in a short duration... unbless you live on top f a hill
as for cost, I am in Zone X and for $250,000 dwelling and $100,000 of contents i just paid $450 to renew on August 1st.....
Posted on 8/23/16 at 11:39 am to tigeraddict
quote:HE'S NEVER CLAIMED OTHERWISE but your thinking is very illogical
there are two type of flooding situations:
1) flash flood. My aunt in Denham got 3" of water in their house on Friday of the rain event. water quickly receded. When the Amite rose, they did not get water in the house.
2) backwater/River flooding. soo much runoff hits the river system at once and cant get out fast enough.
Relocate those 30" of rain in a 48 hr period to your subdivision, and chances are you will get flash flood water....
There are not too many places that can handle that amout of rain in a short duration... unbless you live on top f a hill
as for cost, I am in Zone X and for $250,000 dwelling and $100,000 of contents i just paid $450 to renew on August 1st.....
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