While I hope everybody is well after the pounding Florida took again,
I have to wonder why we put up with the Federal Government paying for
natural disasters that occur year after year. If you can't afford
the proper insurance for the disasters that hit your area, MOVE.
We all know Florida and the Carolinas get hammered by hurricanes,
California has earthquates and forest fires, Oklahoma has tornados,
and those who live in a flood plane of a river get floods, and those
who live at the base of a volcano get covered in lava, yet tax payers
are forced to reimburse those people who CONTINUE to rebuild in the
exact same spot time after time, knowing those places will get hit
again in the future. Frankly, I'm tired of it.
THe flaw in your argument is that there is no place that is totally safe from
natural disasters and the folks who think they are safe are more likely NOT to
have any insurance for it.
I agree there should be places where folks would have to accept their losses
(river bottoms and barrier islands) if they rebuild but you can't paint this
with too wide a brush.
email@example.com (Greg) wrote in message
Don't you think hurricanes hitting Florida is pretty common? This
isn't like a meteor landing on someone's home, for crying out loud.
It happens numerous times in a decade. Could be three big ones
if/when Isaac hits Fla. When the Mississippi River flooded out a few
years ago, the same people who were wiped out 30 years ago were wiped
out again. I distinctly remember people saying that they were going
to rebuild exactly in the same spot. This is ridiculous.
Why should I, WE, be paying for the gamble that someone else takes?
You state it in your first sentence, "folks who think they are safe
are more likely NOT to have any insurance for it.". I'm sorry, but
someone elses lack of preparation should not hit me, directly or
indirectly, in the pocketbook.
I bet the uninsured toll from Frances will be higher in states all the way from
Georgia to Ohio than it was in Florida.
Most of those people do not pay for any hurricane insurance.
What's your solution, just to abandon the 4th largest state (population) in the
You will also have to include the entire Gulf coast and the eastern seaboard.
Most of the damage you do see is in mobile home parks and on the beach. I
already said we probably should not be subsidizing people who rebuild on
barrier islands but the same would have to apply to people who live on flood
That can be in virtually any state. They are flooding in Tennessee as we speak
... from a hurricane.
They might not have hurricane insurance, but people can buy insurance
to cover this type of damage.
Make these people understand that this will be the last time they get
federal handouts, that if they CHOOSE to be underinsured and live in a
high risk area, the government isn't going to be there for them if
they make another stupid decision to rebuild without proper insurance.
A flood planes are known areas by insurance companies. They've
flooded in the past, and will flood again in the future. We KNOW
this. Yet people rebuild, and somehow are SHOCKED that, egads, a
RIVER actually flooded?
I did a little websearching after the last Florida disaster, and
couldn't determine what it is the federal govt. pays out. They do pay
for short-term humanitarian relief, but I don't think they pay to
rebuild houses and businesses. We hear these huge damage estimates
(say, $15BN); I think most of that is covered by Floridians through
their insurance premiums.
I would certainly be interested in more clarification on the whole issue
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I live in Florida, not in a flood zone, been here 40 years never have
filed a claim.
Never have had any flood or huuricane damage. Charley did not get me
neither did Frances. But I've been paying for flood insurance and home
owners insurance for the 40 years. not saying the next one Ivan won't
So my premiums have been paying for everyone else that gets hit by all
the other disasters that occur in this country.
My premiums keep going sky high, starting with Andrew. I pay more for
homeowners insurance than I do for taxes.
Do I begrudge it, heck no. I know if something happens my insurance will
kick in and pay.
A lot of the people that got hit by the 2 hurricanes in he last 3 weeks
here. Do not live near the water are what they thought were high and dry
area. .And those people got hit twice by the 2 differnt hurricanes.
New law for homeowners nsurance insurance is : For hurricane and major
weather disaster the deductible will be 2% of the value of your home.
Fema will help you get a loan at say 3% interest but they are not paying
for your damage.
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The insurance deductibles are now a percentage of your home's appraised
value.Premiums were increased,too.
I also believe that in some areas(beachfront),only repairs are allowed,not
construction of new replacement homes.IIRC,some of the homes in the Midwest
floods several years ago were in this category.
But much of the Florida damages are NOT from proximity to beachfronts,but
Also,I believe only low interest,favorable term LOANS are offered,not free
From the Fema.gov site, the application for losses:
Temporary Housing (a place to live for a limited period of time):
Money is available to rent a different place to live, or a government
provided housing unit when rental properties are not available.
Repair: Money is available to homeowners to repair damage from the
disaster that is not covered by insurance. The goal is to make the
damaged home safe, sanitary, and functional.
Replacement: Money is available to homeowners to replace their home
destroyed inthe disaster that is not covered by insurance. The goal is
to help the homeowner with the cost of replacing their destroyed home.
Permanent Housing Construction: Direct assistance or money for the
construction of a home. This type of help occurs only in insular areas
or remote locations specified by FEMA, where no other type of housing
assistance is possible.
Other Needs: Money is available for necessary expenses and serious
needs caused by the disaster. This includes medical, dental, funeral,
personal property, transportation, moving and storage, and other
expenses that are authorized by law.
They clearly help people rebuild their homes.
It has to be determined a disaster though. If a 747 crashes into my
house and no one else if affected, I am shit out of luck getting any
help from the goverment. My only hope is that the friggen' plane was
piloted by a terrorist and it wiped out my whole neighborhood.
BTW I am not sure we are really getting that big a government handout. My
insurance is almost $3000 a year for $100,000 of coverage with a $4000
deductible, per occurance and per policy.
If I have a flood and wind damage that is TWO deductibles and if that is over 2
storms it could be FOUR deductibles.
The FEMA help is a low interest LOAN that they expect to have paid back.
I assume they will tag your income tax returns
If you live in an area that may have 2, 3, or more, hurricanes a year,
and you are complaining about your insurance rates, then move to another
area. If you want to continue to live in a tropical paradise, then live
with its tropical storms.
I live in a area that rarely has hurricanes, tornados, earthquakes, or
forest fires. In the 20 years I have lived here, my insurance company
has made a total of $250 in claims to me because of spoiled food due to
a 74 hour power outage. FEMA doesn't even know where I live.
Don't get me wrong. I don't want to see anyone die, but those million
dollar yachts all bunched together in one pile didn't elicit an ounce of
sympathy from me.
I'm tired of paying the price for frivilous lawsuits because some people are
just too stupid to use common sense...or because they don't want to take
responsibility for their actions and are looking to have someone pay for
I always wondered why they build such flimsy houses in hurricane prone
areas. I'm reasonably sure that something like my vintage 1950 brick
rowhome would hold up quite well in a hurricane. Would need to add
sturdy shudders for hurricane but other then that it should be OK.
Excluding the mobile homes the houses down here are very well built.
If you haven't been through a hurricane you just can't imagine the
forces that have to be dealt with. What I see mostly down here are
roofs being ripped off the houses. What happens is that the structure
gets breeched through a window or the wind pulling up a piece of wood
somewhere or by flying debris. Once the wind has a way in its pretty
much all over from there... The pull of the wind outside and the push
on the wind from the inside will make short work of the best roof
Hurricane Francis was only a tropical storm by the time it got to me
but it was still amazing. The wind would hit the gable vents and set
up a vibration that you could feel in the floor. Went to the beach
and could not open the car doors that were facing in to the wind.
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