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Thread: Flood insurance

  1. #31
    Senior Member Teach's Avatar
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    Re: Flood insurance

    We live way above the flood plain in our area, but we do have hills on three sides of the house. After a couple of close calls and a refusal by Allstate to pay for damages caused by a leaky roof, we decided dump their coverage, go with a different homeowners' insurance provider, and buy flood insurance. Last year the roulette wheel stopped on our number for the first time in 30-something years. A massive rain event put water into half our house on groundhog day. By the SE shoot, repairs were pretty much finished, and paid for. It still cost us a little out of pocket, but the entire repair bill would have been a financial disaster.
    Jerry
    The masochist says "HIT ME! The sadist says "NO!"
    "When a man's down, KICK HIM! If he survives it he can rise above it!"

  2. #32
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    Re: Flood insurance

    I'm on the MS Gulf Coast right now with a school group. I was just talking to a lady who lives here about flood ins. She said that's only about $400 for her house, which is between the railroad tracks and I10. However, wind insurance is $2000/yr.

    The big problem down here was the wind vs water debate with the insurance companies: Were homes destroyed/damaged by wind or by water? Evidently a lot of people didn't have "hurricane" coverage.

  3. #33
    Senior Member coolgunguy's Avatar
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    Re: Flood insurance

    Quote Originally Posted by RugerFan View Post
    I'm on the MS Gulf Coast right now with a school group. I was just talking to a lady who lives here about flood ins. She said that's only about $400 for her house, which is between the railroad tracks and I10. However, wind insurance is $2000/yr.

    The big problem down here was the wind vs water debate with the insurance companies: Were homes destroyed/damaged by wind or by water? Evidently a lot of people didn't have "hurricane" coverage.

    I see or hear something like this and it's no wonder to me that most people wouldn't piss in an insurance executive's mouth if his teeth were on fire. Throw lawyers in with that too.
    Last edited by coolgunguy; Yesterday at 02:38 AM.
    Tim Mason

  4. #34
    Senior Member snake284's Avatar
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    Re: Flood insurance

    Quote Originally Posted by orchidman View Post
    Two old guys are sitting on a park bench passing the time.
    One says to the other " Had a fire last week, completely razed the house to the ground. Insurance company paid out $400,000 in settlement".

    Second guy says " I had a flood last week, completely destroyed the house. Insurance company paid out $600,00 in settlement".

    After 5 minutes silence the first guy turns to the second guy and whispers quietly " How do you start a flood?"
    Oh, that's easy, just get about 10 sticks a dynamite and blow the local dam!
    Daddy, what's an enabler?
    Son that's somebody with nothing to do with his time but keep me in trouble with mom.

  5. #35
    Senior Member snake284's Avatar
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    Re: Flood insurance

    Quote Originally Posted by RugerFan View Post
    I'm on the MS Gulf Coast right now with a school group. I was just talking to a lady who lives here about flood ins. She said that's only about $400 for her house, which is between the railroad tracks and I10. However, wind insurance is $2000/yr.

    The big problem down here was the wind vs water debate with the insurance companies: Were homes destroyed/damaged by wind or by water? Evidently a lot of people didn't have "hurricane" coverage.
    Yep in hurricane land that's the big argument. The insurance companies used to try to blame the damage on the water and they didn't cover water unless you had flood insurance. You want to blame somebody think Insurance companies. You pay em Big Premiums for years and never use it. Then along comes a Carla or a Katrina and they try to duck and run.
    Daddy, what's an enabler?
    Son that's somebody with nothing to do with his time but keep me in trouble with mom.

  6. #36
    Senior Member snake284's Avatar
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    Re: Flood insurance

    Quote Originally Posted by coolgunguy View Post
    I see or hear something like this and it's no wonder to me that most people wouldn't piss in an insurance executive's mouth if his teeth were on fire. Throw lawyers in with that too.

    You got it! Rght on! Now we agree on something! Insurance executives are the Scum of the Earth in my opinion.
    Daddy, what's an enabler?
    Son that's somebody with nothing to do with his time but keep me in trouble with mom.

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