Protip: If you live in a floodplain, you need flood insurance. Even if you're behind a levee. Even if it's not a mapped floodplain.

www.floodsmart.gov

ninetywt: Protip: If you live in a floodplain, you need flood insurance. Even if you're behind a levee. Even if it's not a mapped floodplain.

www.floodsmart.gov

Spoiler: Insurance companies have maps, too, and won't sell that insurance to people who need it because then they might have to pay out money.

Don't worry, the government will bail them out. They always do.... Makes me think why I purchase insurance.

Yeah, I don't think I'd start an insurance company and hold policies for a disaster in the most threatened areas for that disaster.
How insurance works is the majority of people never have to make a claim, so it's cheaper for everyone, plus a bit more money so that the insurance company can make a profit. If every goddamn person takes out a claim, the insurance would have to be more expensive than the repairs themselves to be profitable.

Those fine folks from New Orleans will show those people along the Red River how to handle this.

Don't worry, I'm sure I will be paying for it.

altrocks: ninetywt: Protip: If you live in a floodplain, you need flood insurance. Even if you're behind a levee. Even if it's not a mapped floodplain.

www.floodsmart.gov

Spoiler: Insurance companies have maps, too, and won't sell that insurance to people who need it because then they might have to pay out money.

Maybe you should thnk about that before you buy the place?

Tragedy. When your house is gone and you can't go on, it's tragedy.

Obama will bail them out.

Goddamn that Obama and his flood-making machine!



Of course he aims it at the whitest states in the Union!!

People don't buy flood insurance if they live in an area where the whole town will flood if they flood.

They believe that in the event of a disaster on that kind of scale, the government will come in to help rebuild or provide financial aid.

altrocks: Spoiler: Insurance companies have maps, too, and won't sell that insurance to people who need it because then they might have to pay out money.

Spoiler alert #2: You have no idea what you're talking about.

/Insurance agent

Sell this!

Link (new window)

Insurance companies don't pay out money. their job is to take in money.



/dev/null/GOP

kdtrimble: Don't worry, the government will bail them out.

I see what you did there,

and the Insurance companies are owned by Banks.

Meh, a waste of money, insurance companies always try to weasel out of paying.

Where is the goverment?! Where is the Obama Administration with choppers and relief? It's no wonder all these upstanding citizens are rioting, looting, and shooting at police and medical personnel they have a right to be mad at the government. The government forgot them. Obama forgot about all these people and turned a blind eye to the levees. This is Obama's fault. Impeach Obama!!!


Rioters



Cops looting


Looters inside Wal-Mart

altrocks

Very much this.

I was rejected from purchasing renter's insurance from all but one company I approached, and that came with a ridiculously high monthly rate.

Apparently I live too close to water.

Policies start at under $100 a year, and homeowners can insure the structure, contents or both. The average policy for people in a high-risk flood plain is about $600 to $800 a year...

"Within three years of paying insurance premiums, I would be able to replace everything I lost anyway," he said.

Must not have much shiat or a very nice place to live.

Or maybe he's just lacking in the mathematical skills part of his brain, which appears to be the same area as the flood insurance part.

Dumbass.

simpsonfan: Meh, a waste of money, insurance companies always try to weasel out of paying.

Get a better insurance company. That, and understand the limits of your coverage. Ask detailed questions and get detailed answers, then double-check them. Oftentimes, you might think things are covered when they're not.

I have USAA, and they've been fantastic. For the few, admittedly minor, auto claims I've had to file (mostly glass, which is covered), they've covered everything without any issues or arguements whatsoever.

VICAR: It's about this letter you sent me regarding my insurance claim.
DEVIOUS: Well yeah, it's just that we're not as of yet, totally satisfied with the grounds of your claim.
VICAR: But it says something about filling my mouth in with cement.
DEVIOUS: That's just legal jargon you know.
VICAR: But my car hit by a lorry standing in the garage and you refuse to pay my claim.
DEVIOUS: Well, Reverend Morrison in your policy... (Gets up and starts rooting through a filing cabinet. Finds papers in a coat in the cabinet)... in your policy. Its states quite clearly that no claim you make will be paid.
VICAR: Oh dear.
DEVIOUS: You plucked for our 'never pay policy' which, uhh, which if you never claim is very worthwhile but you uh had to claim and there it is.

They wouldn't insure my old house because I had a fuse box in the detached garage instead of a breaker box. If I wanted insurance I had to prove that the electrical system in that garage had been permanently disabled.
Just replaced the fuse box with a spare breaker box the previous owner left behind.

/90% of my house is on 2 breakers anyways
//douchebag 1950's builders

Milhouse and his pants were ready.

This sucks, but it's nobody's fault. No insurance company HAS to insure anyone. You take your "you do what we say" policies and go found a fascist state.

I know that flood insurance can be very expensive in certain parts but I don't have any sympathy for a homeowner who won't dish out 800 bucks for flood insurance. If your finances are that tight, you shouldn't own a home anyways.

Bob Ondeeznuts: altrocks: Spoiler: Insurance companies have maps, too, and won't sell that insurance to people who need it because then they might have to pay out money.

Spoiler alert #2: You have no idea what you're talking about.

/Insurance agent

of those 800 policies none will be paid, the adjusters will say it was wind damage that was not covered, or mud slide that was not covered.

// I do know WHAT I am talking about.

/approves

Metaluna Mutant: VICAR: It's about this letter you sent me regarding my insurance claim.
DEVIOUS: Well yeah, it's just that we're not as of yet, totally satisfied with the grounds of your claim.
VICAR: But it says something about filling my mouth in with cement.
DEVIOUS: That's just legal jargon you know.
VICAR: But my car hit by a lorry standing in the garage and you refuse to pay my claim.
DEVIOUS: Well, Reverend Morrison in your policy... (Gets up and starts rooting through a filing cabinet. Finds papers in a coat in the cabinet)... in your policy. Its states quite clearly that no claim you make will be paid.
VICAR: Oh dear.
DEVIOUS: You plucked for our 'never pay policy' which, uhh, which if you never claim is very worthwhile but you uh had to claim and there it is.

this is so close to the truth it farking hurts.

How is it legal to even build a house in a floodplain without flood insurance? I know it is (or at least was, back when I was surveying) in Alabama. Besides the obvious necessity of it, I mean.

I still say the morons in New Orleans need to learn something from the people in North Dakota.

Do What Now Question Mark: How is it legal to even build a house in a floodplain without flood insurance? I know it is (or at least was, back when I was surveying) in Alabama. Besides the obvious necessity of it, I mean.

very good question, any scum sucking lawers that can answer this?

LavenderWolf: This sucks, but it's nobody's fault. No insurance company HAS to insure anyone. You take your "you do what we say" policies and go found a fascist state.


altrocks:
Spoiler: Insurance companies have maps, too, and won't sell that insurance to people who need it because then they might have to pay out money.



The National Flood Insurance Program is a government program, not private insurance. Anyone can purchase flood insurance. The only requirement is that the community participate in the National Flood Insurance Program. Period.

Why hasn't Obama flown to the area?
Why hasn't he sent the Army?
Barack Obama hates white people!

Do What Now Question Mark: How is it legal to even build a house in a floodplain without flood insurance? I know it is (or at least was, back when I was surveying) in Alabama. Besides the obvious necessity of it, I mean.

The lender requires flood insurance, not the community. If a person doesn't have a mortgage, there is nothing to require that they have insurance of any kind.

Except for common sense, of course. If your house is located in a 1%-chance floodplain, then over the course of a 30-year mortgage, you have a 25% chance of seeing a flood of that magnitude occur there.

reinhardt stahlhelm: Why hasn't Obama flown to the area?
Why hasn't he sent the Army?
Barack Obama hates white people!

i sense the troll in this one

Wait, people are stupid enough to build homes on floodplains without taking flood insurance, or building their homes on stilts, and we're supposed to sympathize with them?

glassa: I still say the morons in New Orleans need to learn something from the people in North Dakota.

-4/10

It was required that I purchase flood insurance when I took out my mortgage. The flood plain I am in is due to the city stormwater ditch. It is not expensive and anyone can purchase it.

ninetywt: Protip: If you live in a floodplain, you need flood insurance. Even if you're behind a levee. Even if it's not a mapped floodplain.

www.floodsmart.gov

I technically live in a floodplain. During the Indiana floods this summer, water touched my house on three sides but never went in. Did the same thing during the 1913 flood. Meanwhile thousands of homes in town were destroyed.

We didn't and still don't have flood insurance.

/not worried

reinhardt stahlhelm: Why hasn't Obama flown to the area?
Why hasn't he sent the Army?
Barack Obama hates white people!

This.

Hey Nola assfarks, this is how you handle a flood. Work like hell to fight it yourselves, even if it is farking freezing out!

No chance of a flood where I live, but I do insist on earthquake insurance even though it adds $194/year to my policy, and even though the odds of an earthquake knocking my house down are freaking infinitesimal. It's just something you do as a homeowner.

ninetywt: D
The lender requires flood insurance, not the community. If a person doesn't have a mortgage, there is nothing to require that they have insurance of any kind.

Even though I grew up in Fargo, and lived through a number of smaller floods, I really do not have sympathy for people who knowingly live in a flood plain w/o insurance. My late mother lived about 2 miles from the river, and I bought her a basic flood policy which came in handy when her basement flooded from snow melt and rainwater that came over land, and not from the river.

glassa: I still say the morons in New Orleans need to learn something from the people in North Dakota.

Wrong, the morons in North Dakota need to just learn. period. This happens EVERY 3-5 years. Their houses flood and they build on the exact same farking spot. Only to await another flood.

Oh noes!!! My house is teh floodz and I gots noes inshurenz!! Save me guberment!!!

Duke_leto_Atredes: Bob Ondeeznuts: altrocks: Spoiler: Insurance companies have maps, too, and won't sell that insurance to people who need it because then they might have to pay out money.

Spoiler alert #2: You have no idea what you're talking about.

/Insurance agent

of those 800 policies none will be paid, the adjusters will say it was wind damage that was not covered, or mud slide that was not covered.

// I do know WHAT I am talking about.

Really? They denied the flood policies for the people whose homes got knocked down in Galveston during the farking Hurricane. The homes blew over they weren't just flooded. That wouldn't apply in this case since it was a river that flooded and had nothing to do with any wind. BTW, most of those people had the option to buy wind coverage but didn't because it was expensive. The ones who didn't have the option to buy insurance bought the homes knowing full well that they couldn't get flood or wind insurance and decided to make them their primary residence anyway despite all the warnings. These people are stupid but if they had flood insurance it will pay for the damages.

ninetywt: Protip: If you live in a floodplain, you need flood insurance. you're a moran that deserves what's coming to him.

Honestly, what do they expect? That the major flood of 1997 was just a fluke?

If you live anywhere that flooded in 1997, you're an farking idiot if you didn't make sure you had flood insurance. Two words for them: you're dumb. Three more words: you deserve it.

How about build a home that resists damage?
Link


some of the people who lived in Lousiana and Texas and had full coverage still got no pay out the insurance companies ran, they did the same thin in California after the fires, but the building codes STILL do not require safe construction, see above link for safe construction.

Believing that insurance companies pay claims is something like believing in unicorns. You may have heard of it, but it's not real. You pay an insurance policy, the insurance company does not pay you. Unless it is AIG and then, even if you don't have a policy, you pay them anyway. They have to pay bonuses and all. I hope that helps.