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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 2:07 pm to lsupride87
Posted on 8/23/16 at 2:07 pm to lsupride87
quote:
Everyone says this, and it simply isnt true
Well on the topography map he's one of the highest points in the city, his house is built on a hill, and raised off the ground at least 3 feet.
If he got 1 inch of water, there are people a couple miles down the road that would have 20+ feet.
1
Posted on 8/23/16 at 2:09 pm to TheCaterpillar
quote:
Well on the topography map he's one of the highest points in the city, his house is built on a hill, and raised off the ground at least 3 feet.
If he got 1 inch of water, there are people a couple miles down the road that would have 20+ feet.
My parents house is built on top of a hill, but you come in on the 2nd floor.
They had water somehow avoid the 2nd floor and run under the staircase ruining all the floors and some walls on the 1st floor. I'd imagine that their house is near the highest point in the city
This post was edited on 8/23/16 at 2:10 pm
Posted on 8/23/16 at 2:10 pm to Chad504boy
quote:
I interpret it as you are going to get the greater of the acv or the coinsurance penalty clause.
As do I, but the ACV is better than nothing and likely going to be much, much more than the proportional coinsurance payout. It would be a different story if it was the lesser of 1 or 2, but greater could/would still get the job done.
Posted on 8/23/16 at 2:12 pm to TigerBait1127
quote:
My parents house is built on top of a hill, but you come in on the 2nd floor.
They had water somehow avoid the 2nd floor and run under the staircase ruining all the floors and some walls on the 1st floor. I'd imagine that their house is near the highest point in the city
Sounds like a waterproofing/drainage issue, not flooding.
Posted on 8/23/16 at 2:13 pm to LSUBoo
quote:
Sounds like a waterproofing/drainage issue, not flooding.
Well their flood insurance is covering it, which is the point
Posted on 8/23/16 at 2:15 pm to TigerBait1127
quote:
I'd imagine that their house is near the highest point in the city
Well if it flooded no its not, right?
My mom's house is near Zippy's and didn't flood.
Posted on 8/23/16 at 2:16 pm to TigerBait1127
quote:
My parents house is built on top of a hill, but you come in on the 2nd floor.
is the lower level built below the grade of the hill?
Posted on 8/23/16 at 2:16 pm to TheCaterpillar
quote:
Well if it flooded no its not, right?
No, I don't think the elevation of the house changed
It had water in it, but wasn't underwater.
Flood insurance is still what it is falling under
Posted on 8/23/16 at 2:18 pm to Salmon
quote:
is the lower level built below the grade of the hill?
The bottom of the hill is about 15-20 feet below the bottom floor
Posted on 8/23/16 at 2:19 pm to TigerBait1127
quote:
The bottom of the hill is about 15-20 feet below the bottom floor
I'm trying to figure out why you enter the house on the 2nd flood
Posted on 8/23/16 at 2:20 pm to TigerBait1127
quote:
Well their flood insurance is covering it, which is the point
No, that's not really the point at all regarding the post you replied to.
Posted on 8/23/16 at 2:20 pm to TigerBait1127
quote:
The bottom of the hill is about 15-20 feet below the bottom floor
thats not what they asked
Posted on 8/23/16 at 2:21 pm to mpar98
Already added it. Chances are I'll never flood, but it's worth the small price to me. For $450 a year, I am guaranteed to not have to go through the hell that some of my friends are right now.
Posted on 8/23/16 at 2:21 pm to Salmon
quote:
I'm trying to figure out why you enter the house on the 2nd flood
Because the 2nd floor is the top of the hill
Posted on 8/23/16 at 2:21 pm to tke857
quote:
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.
You didn't address his question though. 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?
Posted on 8/23/16 at 2:21 pm to Salmon
quote:
I'm trying to figure out why you enter the house on the 2nd flood
Its like they have external stairs and no ground floor entrance.
sounds like a lie
Posted on 8/23/16 at 2:21 pm to TheCaterpillar
quote:
Well if it flooded no its not, right?
I think his point is that flood damage can occur regardless of your elevation relative to the rest of the city. You can effectively minimize those risks, but the idea that "if my house floods, the whole city is underwater" is a poor way to view it. That may be true for an incredibly small portion of the city, but for many it is untrue.
Posted on 8/23/16 at 2:22 pm to TigerBait1127
quote:
Because the 2nd floor is the top of the hill
exactly
this is why the first floor flooded and the 2nd didn't
the first floor is lower the top of hill
Posted on 8/23/16 at 2:23 pm to slackster
if you are "on top of a hill" its a drainage issue. either homeowner created or city/parish created
Posted on 8/23/16 at 2:23 pm to LSUBoo
quote:
No, that's not really the point at all regarding the post you replied to.
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?
K
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