[snip>>> How's about sharing which companies will write above the 250K and
For those who obtained federal flood insurance thru USAA, additional flood
insurance over and above the federal program's $250K limit is available from
Southwest Business Corporation, who can be reached at 866-387-9736. I
haven't used it and don't know if other carriers have made the same
arrangement. Regards -- JimR
When the program came out it was announced that it pertains to houses east
of I95. The below gives a slight explanation and when you apply, you'll be
later told that you are not eligible at this point if you live west of I95.
Call the Sun-Sentinel up and ask for the archived news document stating the
Congratulations! You are eligible to apply for a free home inspection in
the program. Free inspections will first be done in selected (this is where
they mean East of I95) hurricane-vulnerable areas where inspectors are
Please remember that applying for a free home inspection does not
automatically qualify you for a grant.
Once you receive a free home inspection and you live in a high-risk area,
you will be able to apply for a matching grant of up to $5,000 to do the
recommended improvements outlined in your free inspection report.
In 1999 or 2000 the Feds gave money to Tallahassee to help with the
hurricanes. This money was to be distributed to home owners East of I-95 to
install hurricane shutters on their houses. Home owners were to get up to
10000 dollars each for this. Your beloved governor, Jeb Bush changed the
criteria from East of I-95 to East of A1A. The homes east of A1A run from 1
million to 40 million apiece. They really needed the free 10K. A few blocks
away are homes that are worth 70 to 150K and could have used that money for
shutters but they were excluded. Why? They were not rich and republicans.
When you call the Sun-Sentinel for the stories abovie, ask them for this one
too and you'll see what I mean.
The article as in Sun Sentinal, Aug 16th. Read the whole article. Way down
it states "east of I-95 in Broward and Palm Beach counties:
Program is getting a lot of publicity here, far west of I95 - this is
first I have seen mention of that limitation. But, gosh, by the time
the details are known and the inspectors hired, November elections will
have come and gone. Gotta have an inspection done first, and they have
no inspectors. And gubernatorial hopeful, Tom Gallagher, just this week
sent around an email about the program (passed on to me by local chapter
of Red Cross). Living in coastal Florida, I would not be without
hurricane shutters - two layers of glass with plastic film doesn't seem
strong enough to withstand a roof tile or 4x4 going 100 mph! Of course,
a 20 foot storm surge would make it all irrelevant :o)
One storm, whose name I can't recall, was 100 mi offshore. The storm
surge put the ocean over our seawall, at least two feet higher than the
highest tide I normally see. Another ?six feet would make my condo
flood. Twenty feet would drown my upstairs neighbors. Forty foot waves
on top of that?
My reasoning is that the largest glassed areas, along with garage doors,
are the weakest link in strong exterior protection, so need most
reinforcement. A small broken window would let in less wind, rain and
debris, so I'm thinking it is a bit less concern. We have triple
sliders on two sides - one movable panel and two fixed - so hur. wind
would probably take them all out.
I had enough of the hurricanes and the hypes by the TV news. I had enough of
double digit increases in hurricane insurance. I had enough of not having
power for a week at a time and I definitely had enough of the politicians in
Florida not giving a damn. I was fortunate enough to sell my house on June
5th and I now live in a safe area, Asheville North Carolina.
gar. door, other than it being the weakest part of the structure. A
friend just had a new door put in which has steel braces which are put
up for storms - they anchor into the floor and the top frame of the gar.
door. You should cover your sliders, as they have greater potential to
shatter and leave your home wide open.
On a dollar for dollar basis, I would buy hurricane shutters (which we
have). MUCH more protection against flying trash cans and street signs.
Under water in a storm surge, not much good :o) Worst storm we got
was 70 mph wind, and that is all I ever want to see. Our atrium
skylight, probably 500 lb, went flying. Hubby, a very, very strong guy,
wrestled a wind-blown trash container (very heavy) and it took all of
his strength to get it back and secured. Welcome to Florida. Looks
like Ernesto might have me in his sights.
You're not protecting the garage door. You're protecting the house if the
garage door blows out. The resulting wind entering the main house will blow
out the windows and possibly the roof. They have available a vertical bar
that fits into a socket in the floor and is strapped to the door during a
hurricane. If you don't have this, put a piece of plywood between your car
bumper and the door and have someone guide you to just touch the door.
On 27 Aug 2006 13:09:39 -0700, email@example.com wrote:
I would be more concerned about the pressure in the house, actually,
but yes cut ply for the sliders and store with the other stuff. We
took a direct hit in 1960. we had one window partially open on the
leeward [sic] side of the house supposedly to even out the inside
pressure (kid then). We were lucky to still have a roof and a dozen
refugees or so.
If a storm takes your roof and the garage is attached to the house,
chances are you will get a new garage door also.
Follow local instructions.
On Sun, 27 Aug 2006 13:09:39 -0700, twobearcatz wrote:
Might want to bookmark this.
This site has link with tips that will help with Hurricane or
other disaster information.
Waiting on Ernesto now. Tampa Bay area here.
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