The answer is simple...don't live there!
Here in Texas, down on the Gulf, it is well known that the beaches
erode. Sure, it is fun and nice to go down and rent a beachfront house
and spend some vacation time there. If I owned one (and I don't) I'd
go into it knowing full well that the land the house is built on will
disappear. It isn't a matter of if, but a matter of when. That being
the case, while I owned it, I'd try to keep it rented out as much as
possible, make as much money off it as I could, and when it goes away
(again, not if, but when) consider myself to be money ahead since
there was obviously no insurance on the place, but I got revenue off
it as well as some much enjoyed use out of it.
Similarly, no one forced those folks out in California to live under a
big pile of dirt that they know will someday slide down on top of them
when enough water gets poured onto it. Again, it isn't a matter of if,
but when. Why should I pay for their misguided thinking and poor
(Remove the Primes before e-mailing me)
: Similarly, no one forced those folks out in California to live under a
: big pile of dirt that they know will someday slide down on top of them
: when enough water gets poured onto it. Again, it isn't a matter of if,
: but when. Why should I pay for their misguided thinking and poor
Well John, it appears that 'we' will be paying as this falls into an area
deemed to be a 'disaster area' and low cost government loans will be made
I take it you are of the mind that any mountain/hill is simply a big pile of
However, I wholeheartedly agree with the rest of your post ;-)
The government should be a lot tougher regarding insurance in those areas.
There is a river in my area that floods every 100+ years. The last flood was
over 30 years ago and after that the government requires that you buy flood
insurance if you live in the flood plain. It is an additional insurance
above and beyond home insurance. The government said they will not pay to
rebuild/replace your property if there is a flood and you chose not to have
the insurance. I don't understand why this doesn't apply to the beach houses
and other construction in areas where it is just a matter of time before the
property *will* be damaged or destroyed.
City Manager Jepsen said a geotechnical consultant who viewed the homes last
week will be sent out again today. The consultant was not available for
"I had been apprised by city staff, but I was not aware of the magnitude of
the problem," Jepsen said.
Well, at least one person knew....
: i know where those houses are in san diego. it doesnt take a geotechnical
: consultant to see that eventually those houses are going surfing one day <
Define 'eventually' xwronger - In this case, these houses are at least a
1,000 years from being 'beachfront property'.
It's a tough position to find ones-self in...
Bear in mind that these homes are miles from the beach, not in a 100 yr
flood plain, and have stood, in many cases, for nearly 30 years...
The damage is not yet complete as these houses continue to slide down the
slope onto the homes below them...
See yahoo maps and enter Arroyo Ave and Oceanside, CA when the 'street' map
appears, start clicking 'Zoom out' until the Pacific Ocean appears....
: Rick wrote:
: > It's a tough position to find ones-self in...
: > Bear in mind that these homes are miles from the beach, not in a 100 yr
: > flood plain, and have stood, in many cases, for nearly 30 years...
: But they're up on unstable hillsides w/ inadequate terracing/shoring...
: 30 yrs is a mere pittance in the overall estimate of weather extremes...
Yes, 30 years is only a 'small' number in the overall scheme of things, but
to a humans 'lifespan', it's almost half ;-)
So let's address the 'unstable hillsides w/ inadequate terracing/shoring'...
Is it the homeowner's fault? No... (Unless they had performed un-permitted
Is it the builders fault? Maybe... the 10 year limit on construction defect
litigation has easily expired...
Is it the cities fault? After all, the city approved the work and 'signed
off' on it. Well, the city is going to absolve themselves of any liability.
In essence, the homeowners are screwed...
Act of god? - Apparently so...
Well, my opinion is it's the "fault" of all the human entities above...a
combination of short-sideness and various forms of human nature which
can generally lumped together under the term "greed" in a global sense.
I don't mean to ascribe malfeasance, simply the desire of all involved
to get something they want as cheaply as they can w/o <adequate>
consideration for the "big picture". If, otoh, one were to
dispassionately step back and look at what happens on these hillsides
over a period of, say, a couple of hundred years, factor in the
pressures of additional run off caused by the building and do an
adequate analysis of the soil mechanics, it would become clear that such
"disasters" are, in fact, man-made and inevitable, <not> "Acts of God"
(except in the sense legal that insurance companies use the phrase).
So, yes, imo "the homeowners are screwed..."--they're the ones who
ultimately chose to get something they wanted at a short term price w/o
adequately considering potential long term costs...now, like life or
health insurance, that may be a risk they're willing to take, but, if
one's in such an area, it shouldn't take <too> much imagination to
figure out what <could> happen if...
They're screwed because they decided to abdicate their responsibility
for their own well-being, in favor of letting "them" decide what's
safe, what's not safe, where they should live, what they should want,
and what they should be offended by.
And they got what sheep always get.
That's what it's like being a serf.
And was it me, and I had a loan on such a house, I'd just
default. "Chase? You know that $400,000 property that
I pledged as collateral on my $300,000 loan last year? It's
yours now. Have a nice day..."
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