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re: So what happens to all the people who didnt have flood insurance
Posted on 8/14/16 at 11:14 am to SlowFlowPro
Posted on 8/14/16 at 11:14 am to SlowFlowPro
FEMA flood insurance is dirt cheap. Max policies in Katrina-flooded areas of New Orleans are less than $500 per year. Can't imagine how cheap it would be in places that have no history of flooding.
1
Posted on 8/14/16 at 11:16 am to lsupride87
quote:
Becauee when you don't live in a flood zone the insurance cost $350 a year. So less than a dollar a day. My heart goes out for those that don't have it, but it's crazy not to considering how cheap it is
Posted on 8/14/16 at 11:16 am to fightin tigers
well those outsiders can get fricked. I'm sure we could play the hindsight game with choices of peoples insurance from other states.
I'm sure those that didn't carry flood insurance either saw it as an expense they couldn't afford even if its dirt cheap, they thought they would never need it or the like.
My family has flood insurance, but it is heartbreaking for those that don't. I don't see any reason to lecture or point fingers while people are dealing with the loss.
The liberal scum celebrating the need of the people to have federal money is pretty disgusting.
I'm sure those that didn't carry flood insurance either saw it as an expense they couldn't afford even if its dirt cheap, they thought they would never need it or the like.
My family has flood insurance, but it is heartbreaking for those that don't. I don't see any reason to lecture or point fingers while people are dealing with the loss.
The liberal scum celebrating the need of the people to have federal money is pretty disgusting.
Posted on 8/14/16 at 11:16 am to TygerTyger
quote:
My parents live in Biltmore (Central) and have never even come close to having water near their house. Even during 83 and Andrew. Water got up to their front porch yesterday. My brother off Hooper road has never had flooding either. They had 5 inches in their house.
No one, I mean NO ONE could predict this level of flooding.
This is why insurance exists. If you live in south LA, you need to carry flood insurance. Period. End of story.
Posted on 8/14/16 at 11:17 am to Rickety Cricket
quote:
FEMA flood insurance is dirt cheap. Max policies in Katrina-flooded areas of New Orleans are less than $500 per year. Can't imagine how cheap it would be in places that have no history of flooding.
that's what i thought
hell i know non-subsidized rates on about a 200k beach house in a flood zone run about 7-8k/year (at least as of a few years ago. friend owned one and then found out it was in a zone that the NFIP won't subsidize)
Posted on 8/14/16 at 11:19 am to lsupride87
quote:
Now is not the time to wave your finger in someone's fade saying "I told you so."
Yet that is what you're doing chief.
This post was edited on 8/14/16 at 11:21 am
Posted on 8/14/16 at 11:19 am to heartbreakTiger
quote:
I don't see any reason to lecture or point fingers while people are dealing with the loss.
I think the vast majority in this thread are not doing that. They can only imagine losing their entire life because of this situation. It is a tragedy when life turns on you like this.
If nothing else comes from this hopefully other learn from this lesson.
This post was edited on 8/14/16 at 11:21 am
Posted on 8/14/16 at 11:19 am to prplhze2000
I'd bet the gov will just add a bit more to the nat debt and bail most people out.
Heck, FEMA bailed out the city of Vidalia after the river flooded in '11. Even though they built on the RIVER SIDE of the levee.
Heck, FEMA bailed out the city of Vidalia after the river flooded in '11. Even though they built on the RIVER SIDE of the levee.
Posted on 8/14/16 at 11:23 am to TygerTyger
quote:Not, really chief
et that is what you're doing chief.
Posted on 8/14/16 at 11:27 am to lsupride87
I remember taking Geology 101 at Southern Miss during undergrad. One of the things we had to do was map rivers and tributaries in Louisiana and Mississippi. I remember highlighting Livingston Parish as one, giant river basin. Insane that people with mortgages weren't required to purchase flood insurance.
That said, wind and flood insurance is a requirement on the MS Coast for those with mortgages and can be greatly cost prohibitive. Wife and I have decided to purchase a condo with cash in a few years to avoid insurance costs. We'll be rolling dice, but barring a disaster within the first several years of ownership, the gamble will have paid off.
:crossing fingers:
That said, wind and flood insurance is a requirement on the MS Coast for those with mortgages and can be greatly cost prohibitive. Wife and I have decided to purchase a condo with cash in a few years to avoid insurance costs. We'll be rolling dice, but barring a disaster within the first several years of ownership, the gamble will have paid off.
:crossing fingers:
Posted on 8/14/16 at 11:30 am to prplhze2000
quote:
Most Republicans don't oppose disaster relief. It's out of control entitlements that have spawned consequences never imagined by the people who created them that they are opposed to. Big difference.
No difference. Both go to people in need. The idea that republicans believe in a small fiscal government is laughable. They just don't want the money going to the poor.
This post was edited on 8/14/16 at 11:31 am
Posted on 8/14/16 at 11:32 am to JohnnyKilroy
Yeah no. All family that lives along hwy 1 from
Donaldsonville to Golden Meadow is perfectly fine. Even for Katrina we didn't have more than a few branches down and those are some of the most low lying areas in the state. The only places flooding are places along those rivers
Donaldsonville to Golden Meadow is perfectly fine. Even for Katrina we didn't have more than a few branches down and those are some of the most low lying areas in the state. The only places flooding are places along those rivers
Posted on 8/14/16 at 11:36 am to Overbrook
quote:
people in need
It's the ones in perpetual need that are the issue.
Posted on 8/14/16 at 11:38 am to rpg005
It's so easy for you to say that now dude. When you road has never even flooded, you're not around even a creek, then why would you get it. Even through hurricanes hasn't flooded. Did this time. Hindsight is 20/20. Everybody will have insurance next time. But you can't act like this was negligence for some people.
Posted on 8/14/16 at 11:39 am to Overbrook
quote:
They (Republicans) just don't want the money going to the poor.
No dumb arse. They just don't want to make it a permanent life style. If you subsidize something you get more of it. If the goal is to make people prosperous and self-sufficient , you don't accomplish this by rewarding people to have more out of wedlock children and indulge themselves in Social Pathology. If the goal is to create a permanent helpless underclass mired in despair, keep sending money to people who make catastrophically bad life-decisions.
Posted on 8/14/16 at 11:40 am to TrueTiger
Does anyone even know if trailers that are flooded are even able to be repaired? Or do they just count that as a total loss? Again.....I have no idea if my parent's trailer is flooded..I'm just trying to gather as much information as I can in case of the worst.
Posted on 8/14/16 at 11:40 am to TrueTiger
It's not even perpetual need, it's perpetual desire to not work.
Posted on 8/14/16 at 11:45 am to lsunurse
I guess it all depends on the extent of the damage.
Trailer homes tend to be low cost to begin with so it may make more sense to replace rather than repair.
Trailer homes tend to be low cost to begin with so it may make more sense to replace rather than repair.
Posted on 8/14/16 at 11:50 am to TrueTiger
That's what I was thinking as well. It's a bad situation for sure. My parents are very poor and they used what little insurance money they got from losing everything in a fire in nbr 8 years ago to buy that trailer(cause no way could they afford a mortgage). Since then.....my dad was let go and now doesn't work (he's 68) and lives off his social security and what little money my mom and siblings make at their low wage jobs.
If they have to start over completely....I may try to convince them to just come to AZ. They have lost too much in LA.
If they have to start over completely....I may try to convince them to just come to AZ. They have lost too much in LA.
Posted on 8/14/16 at 11:53 am to TygerTyger
quote:What? Non flood zone insurance is ~$400/yr. I've never heard of not being able to purchase flood insurance unless you are in an area that is prone to flooding.
What "poor decisions"????
They didn't build in a flood plain. Most of them don't even have the option to buy flood insurance with their carrier.
No excuse really other than a misguided decision. Not being in a flood zone but living in Louisiana near rivers and lakes should be a reason to getit. Bad drainage is enough to cause a neighborhood to flood. It doesn't have to be a 500yr flood.
This post was edited on 8/14/16 at 11:56 am
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