zxcvbob wrote in news: snipped-for-privacy@uni-berlin.de:
Orlando and Orange county just came down hard(fired,actually,IIRC) on several home inspectors who failed to flunk homes that the straps were omitted or improperly secured(never nailed down).
And they help but they aren't the be all end all answer to the problem. They don't do a thing to help hold down the shingles and plywood (although the new codes require the plywood or particle board to be much better attached). If the wind is powerful enough the anchors will give or the wood will give. Either way the hurricane can win.
Steve B.
But you miss the whole point of government. It's to share costs for the public good, which includes education of the young. Do you want to live in a society that fails to educate its young? Do you want to live in a society which fails to plan for public health crises such as pandemics? To you want to live in a society in which it is every man for himself? What happens to those who can't defend themselves, such as the young, the elderly, the infirm?
Good, so you are paying for flood insurnace like a good responsible person. If all the people had the proper amount of insurance, Congress wouldn't have to have a special $2 billion appropriation.
nothing on your home.
Will not fix nothing? Will not fix anything you mean? I'm not nit picking your grammar, just trying to understand.
Regardless, if my tax money has to be spent, the home owner obviously didn't have the proper amount of insurnace.
Look, I feel bad for these people. Living in S.E. Michigan, the worst we ever see is an occasional tornado, snowstorm, or strong thunderstorm. But even if a tornado wiped out my house, I have insurnace to cover it. It's propably a 1 in a million chance that it will happen, but I still am a responsible person and don't expect anyone to be forced to pay for my possible losses.
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.
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.
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 union? 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 plains. That can be in virtually any state. They are flooding in Tennessee as we speak ... from a hurricane.
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.
If that same torando hit my florida home, I would have to have over $16000 in damages before I see one dime from insurance... and that's the best coverage I can get. I also pay nearly 5k per year for that crappy coverage. So Larry, quit ignorant bitching for a moment while I thank God & Country for FEMA's help.
I'm leaving soon to attend the funeral of a neighbor who was killed during Hurricane Frances. It would be nice, Larry, if you just let this thread die and keep your opinion to yourself. Tonight, while you are nice and cozy, I will finish hauling wet insulation and mushy drywall out of my shingless living room.
Pissed at your ignorance, J.P.
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
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 get me.
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.
Pat.
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.
When Charley went through down in Sanibel Island and Captiva which was one island . Now because of Charley is 2 islands . There were brand new homes constructed by new codes for hurricae and wind damage , cement block homes etc. up above flood waters have been demolished by 125 to
145 mile winds. You can't buy a house dow ther for leass than 2 million bucks.You really think your house would survive that. What about tornados that take houses to the next county.
Pat
In 20 years I have not had a single claim, why move? It sounds like you are in the danger zone, you have had one. BTW insurance here would not cover your $250 food claim.
NORTH Captiva ... Different island. The part that washed out was a wetland anyway. No homes.
Are you complaining about your insurance rates? If not, then disregard.
No I am just commenting on those who think I am getting some kind of free ride.
I pay a lot for this free sunshine
Hmm, hurricanes occur every single year. Many years they hit that part of the country that is mainly surrounded by water - namely Florida.
Anyone who chooses to live in Florida shouldn't be surprised when a hurricane comes. They also shouldn't be surprised when the insurance companies recognize this same fact and price their policies accordingly.
So, Tinman, if you choose to live in Florida, you pay the costs associated with it. If you don't like the costs, there are many areas around the country that don't have $5000 insurance bills every year.
Nobody forces you to live there year after year, storm after storm.
The government does force me to pay tax dollars so that they can subsidize the people who choose to live in the higher risk areas. Regardless of what you call it, it is subsidizing.
While you are thanking God & Country for FEMA, how about thanking the rest of us that funded FEMA?
email to snipped-for-privacy@notreal-ruybal.com (remove the "notreal-")
AMEN! IF everybody was properly insured and recognized that the FEMA grants and SBA loans are funded by taxpayers, the US would be better off.
Have a friend who didn't have earthquake insurance in Calif, on an active fault, because earthquake would have a $20,000 deductible. They neglected to figure the cost of the SBA loan payments after their house slipped off the foundation during the Whittier Narrows quake. She is now the poster child for quake coverage.
This is Turtle.
Let me explain to you what the money was for here. It was not to fix homes but to fix utilitys, roads, food for people out of their homes, place to let them stay while they are flooded out, the public officals to get the mess cleaned up after the flood. Washed out roads , food and help to people out of their homes and public building repair does not come cheap these days. Paying for flooded out homes has nothing to do with the 2 Bil. in ade for flood insurance takes care of anybody with flood insurance and nothing to ones with no flood insurance.
Your mixing state ade and flood insurance together and they are totally different programs.
TURTLE
HomeOwnersHub website is not affiliated with any of the manufacturers or service providers discussed here. All logos and trade names are the property of their respective owners.