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(Sun Sentinel)   Flood insurance rates scheduled to quadruple in the next four years. No word whether or not volcano insurance rates will increase either   (sun-sentinel.com) divider line 43
    More: Florida, flood insurance, transportation bill, vacation homes, rate schedule, National Flood Insurance Program, floods, Miami-Dade  
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2037 clicks; posted to Main » on 03 Jul 2012 at 11:32 AM (2 years ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-07-03 11:37:35 AM
That's what you said about that cloud insurance. Look at them up there...plotting.
 
2012-07-03 11:37:41 AM
I'm sure we'll Pompey out the nose for that too.
 
2012-07-03 11:38:33 AM
WHAT GLOBAL WARMING? WHAR
 
2012-07-03 11:39:59 AM
Hey, retards? ProTip: Don't buy a house in a flood zone.
 
2012-07-03 11:40:21 AM
Good.
 
2012-07-03 11:41:02 AM

CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.


This. If you house can foreseeably be completely destroyed by a relatively common natural occurrence, don't farking live there.
 
2012-07-03 11:41:59 AM
Why does the gov't have to subsize people who build houses in these areas? The hurricanes come every year.
 
2012-07-03 11:42:25 AM
Still no cure for flood pants I mean capris
 
2012-07-03 11:43:45 AM

CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.


That didn't take long. There is always one person that say it.
You don't have to be in a flood zone to get flooded. And if the lived out west it would be earth quakes, in the mid west it would be tornadoes etc etc. Flood insurance since it's not covered by regular insurance is a wise insurance to have.
 
2012-07-03 11:44:53 AM
Reading is fundamental. You should learn how sometime, subby.
 
2012-07-03 11:45:32 AM

spentmiles: I'm sure we'll Pompey out the nose for that too.


Pompeii - Pompey was a prominent Roman politician.
 
2012-07-03 11:47:52 AM

Jument: CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.

This. If you house can foreseeably be completely destroyed by a relatively common natural occurrence, don't farking live there.


What are you a child or a retard? Because that is what you sound like. Nearly every home in the US can be destroyed by a relatively common natural occurrence over a long enough time line. So, you really want people to abandon Florida? The Gulf Coast, Rhode Island, New York, Chicago, St. Louis, Los Angelous, etc.., etc..., etc...

Alternatively, now that the health insurance tax has been deemed constitutional, we could require every adult in the US to buy property insurance, creating a large pool of insured people to shoulder the burdens and mitigate the costs of disasters.
 
2012-07-03 11:48:18 AM

jso2897: spentmiles: I'm sure we'll Pompey out the nose for that too.

Pompeii - Pompey was a prominent Roman politician.


HAHAHA I WAS JUST TROLLING!!! YOU ARE SO DUMB FOR FALLING FOR IT! MASTER TROLL!! MASTER TROLL!! MASTER TROLL!! I OWNED YOUR FAT GAY ASS! HAHAHA MASTER TROLL!
 
2012-07-03 11:49:51 AM
I live on the top of a hill in an area with excellent drainage.....I think I'll get by somehow
 
2012-07-03 11:51:09 AM

maxximillian: CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.

That didn't take long. There is always one person that say it.
You don't have to be in a flood zone to get flooded. And if the lived out west it would be earth quakes, in the mid west it would be tornadoes etc etc. Flood insurance since it's not covered by regular insurance is a wise insurance to have.


There are 5.6 million of these policies in all of the US and 900,000 of them are in just 3 counties in Florida. I don't get why people in those 3 counties are allowed to build traditional housing that is just then covered by federal insurance.
 
2012-07-03 11:52:03 AM

BalugaJoe: Why does the gov't have to subsize people who build houses in these areas? The hurricanes come every year.


The responsible should always suffer the consequences of the decisions made by the irresponsible. That's how society works.
 
2012-07-03 11:52:17 AM

maxximillian: CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.

That didn't take long. There is always one person that say it.
You don't have to be in a flood zone to get flooded. And if the lived out west it would be earth quakes, in the mid west it would be tornadoes etc etc. Flood insurance since it's not covered by regular insurance is a wise insurance to have.


I owned a house in GA. I didn't think I'd need flood insurance because I figured the quiet little stream behind the house couldn't/wouldn't come up the 20 feet needed to flood the house. 19 inches of rain in one night proved me wrong. Flood insurance would have cost me $200/year.

I won't make that mistake again.
 
2012-07-03 11:52:28 AM

CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.


I got chewed out by a drunken New Orleanian for suggesting that it's kind of stupid to live below sea level.
 
2012-07-03 11:53:27 AM

Slaves2Darkness: Jument: CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.

This. If you house can foreseeably be completely destroyed by a relatively common natural occurrence, don't farking live there.

What are you a child or a retard? Because that is what you sound like. Nearly every home in the US can be destroyed by a relatively common natural occurrence over a long enough time line. So, you really want people to abandon Florida? The Gulf Coast, Rhode Island, New York, Chicago, St. Louis, Los Angelous, etc.., etc..., etc...

Alternatively, now that the health insurance tax has been deemed constitutional, we could require every adult in the US to buy property insurance, creating a large pool of insured people to shoulder the burdens and mitigate the costs of disasters.


There are people in my area who live in a flood plain. An actual flood plain, that floods every few decades if not more often. It boggles my mind. That's mostly what I'm thinking about.

Obviously, there are areas like that where IMHO people should not be building houses at all. Then there are areas on elevated ground where it is virtually impossible to suffer flood damage. Obviously those are good places to live. And then there are all the gray areas in between. If you're going to live in a gray area where flooding is technically possible under the right conditions, you need to understand how likely it is that your house will be flooded and use good judgment.
 
2012-07-03 11:54:13 AM

jso2897: Pompeii - Pompey was a prominent Roman politician.


He has a wife you know.
 
2012-07-03 11:56:07 AM
I'm impressed. El Presidente is showing his positions and making tough decisions in the middle of a election campaign. Most politicians only show up for photo ops and come out of hiding during electioneering.

People who live in flood prone areas and whose properties have had muliple claims should have a surcharge on their flood insurance policies. Citizens who have rarely file a claiin but are required to have flood insurance should not have to support those who chose to live in hazardous locations.
 
2012-07-03 11:56:08 AM

maxximillian: CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.

That didn't take long. There is always one person that say it.
You don't have to be in a flood zone to get flooded. And if the lived out west it would be earth quakes, in the mid west it would be tornadoes etc etc. Flood insurance since it's not covered by regular insurance is a wise insurance to have.


Oh, don't worry - there'll be plenty of people to say it. And, unfortunately, it won't stop the retards from building where they shouldn't, and draining the wetlands & cutting down the mangroves while they do it. I mean, really - why would you want to leave flood-mitigating natural areas in place. Pave that shiat over!
 
2012-07-03 11:56:31 AM

jso2897: spentmiles: I'm sure we'll Pompey out the nose for that too.

Pompeii - Pompey was a prominent Roman politician.


Pompey was a homo...nym.
 
2012-07-03 11:59:11 AM
The article headline says "Flood insurance rates could double in four years". Subby says "scheduled to quadruple". Head hurts.
 
2012-07-03 12:00:19 PM

patrick767: Reading is fundamental. You should learn how sometime, subby.


This
 
2012-07-03 12:01:09 PM

Jument: Slaves2Darkness: Jument: CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.

This. If you house can foreseeably be completely destroyed by a relatively common natural occurrence, don't farking live there.

What are you a child or a retard? Because that is what you sound like. Nearly every home in the US can be destroyed by a relatively common natural occurrence over a long enough time line. So, you really want people to abandon Florida? The Gulf Coast, Rhode Island, New York, Chicago, St. Louis, Los Angelous, etc.., etc..., etc...

Alternatively, now that the health insurance tax has been deemed constitutional, we could require every adult in the US to buy property insurance, creating a large pool of insured people to shoulder the burdens and mitigate the costs of disasters.

There are people in my area who live in a flood plain. An actual flood plain, that floods every few decades if not more often. It boggles my mind. That's mostly what I'm thinking about.

Obviously, there are areas like that where IMHO people should not be building houses at all. Then there are areas on elevated ground where it is virtually impossible to suffer flood damage. Obviously those are good places to live. And then there are all the gray areas in between. If you're going to live in a gray area where flooding is technically possible under the right conditions, you need to understand how likely it is that your house will be flooded and use good judgment.


Good judgement? You mean like buying flood insurance?
 
2012-07-03 12:07:51 PM

Slaves2Darkness: Jument: Slaves2Darkness: Jument: CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.

This. If you house can foreseeably be completely destroyed by a relatively common natural occurrence, don't farking live there.

What are you a child or a retard? Because that is what you sound like. Nearly every home in the US can be destroyed by a relatively common natural occurrence over a long enough time line. So, you really want people to abandon Florida? The Gulf Coast, Rhode Island, New York, Chicago, St. Louis, Los Angelous, etc.., etc..., etc...

Alternatively, now that the health insurance tax has been deemed constitutional, we could require every adult in the US to buy property insurance, creating a large pool of insured people to shoulder the burdens and mitigate the costs of disasters.

There are people in my area who live in a flood plain. An actual flood plain, that floods every few decades if not more often. It boggles my mind. That's mostly what I'm thinking about.

Obviously, there are areas like that where IMHO people should not be building houses at all. Then there are areas on elevated ground where it is virtually impossible to suffer flood damage. Obviously those are good places to live. And then there are all the gray areas in between. If you're going to live in a gray area where flooding is technically possible under the right conditions, you need to understand how likely it is that your house will be flooded and use good judgment.

Good judgement? You mean like buying flood insurance?


If that's your best judgment, good for you. My judgment tells me to live on a farking hill.
 
2012-07-03 12:09:27 PM

maxximillian: Flood insurance since it's not covered by regular insurance is a wise insurance to have.


That may make sense on its face, but there's a reason regular insurance doesn't cover it, and it's the same reason you'd be wise not to buy the house.

Think about it.
 
2012-07-03 12:15:36 PM
I have a better idea. If you live in a flood plain and get flooded, tough shiat. You were a dumbass to build in a flood plain.

Flood insurance should be for those who don't take the risk of building where it typically floods.
 
2012-07-03 12:31:18 PM
What about robot insurance?

www.eggshell-robotics.com

/hot
 
2012-07-03 12:32:25 PM

Headso: maxximillian: CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.

That didn't take long. There is always one person that say it.
You don't have to be in a flood zone to get flooded. And if the lived out west it would be earth quakes, in the mid west it would be tornadoes etc etc. Flood insurance since it's not covered by regular insurance is a wise insurance to have.

There are 5.6 million of these policies in all of the US and 900,000 of them are in just 3 counties in Florida. I don't get why people in those 3 counties are allowed to build traditional housing that is just then covered by federal insurance.


Because it makes money for the insurer, land developer, and mortgage company?

If I was told the home site I wanted required flood insurance, I'd find another site to want.
 
2012-07-03 12:33:50 PM
lovelylisting.files.wordpress.com
irapl.altervista.org
justpiper.com

take your pick. they all work
 
2012-07-03 12:52:48 PM

spentmiles: jso2897: spentmiles: I'm sure we'll Pompey out the nose for that too.

Pompeii - Pompey was a prominent Roman politician.

HAHAHA I WAS JUST TROLLING!!! YOU ARE SO DUMB FOR FALLING FOR IT! MASTER TROLL!! MASTER TROLL!! MASTER TROLL!! I OWNED YOUR FAT GAY ASS! HAHAHA MASTER TROLL!


spentmiles, I am dissapoint. You usualy do such a better job with your trolling. Your troll posts are usualy works of art. This is 3rd grade pottery class trolling right here.
 
2012-07-03 12:57:05 PM
Would like a word, subby...
1.bp.blogspot.com
 
2012-07-03 12:59:25 PM
We just took over 11 inches of rain from Debby. It has been so dry here, the ground absorbed it all in like it was just a sprinkle. I would guess we would need well over 24" of rain before it would start to puddle in this sand we have here, in this part of Florida.
 
2012-07-03 01:02:58 PM

CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.


Well, it wasn't in a flood zone when it was build back in 1960, but it is now. Even though I live in the middle of town, miles away from any body of water, I am somehow in a dangerous flood zone that ends at the end of my property.
 
2012-07-03 01:35:00 PM

Vito Andolini: CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.

Well, it wasn't in a flood zone when it was build back in 1960, but it is now. Even though I live in the middle of town, miles away from any body of water, I am somehow in a dangerous flood zone that ends at the end of my property.


I'm in a similar situation.

After FEMA updated their maps two years ago, my home is now on a "flood plain," when it wasn't before. Well, technically, there's a 3'x3' corner of my property that intersects a narrow finger extending from the designated "flood zone," while my actual home sits about 10-11 feet above that point. Nonetheless, that's enough to cost me $250/year.

The people who are crowing about buying property in a flood zone are doing nothing but displaying their ignorance. Since FEMA took it over, flood insurance has become nothing more than a scam for the vast majority of people who are compelled to carry it. Most of the flood zones designated by FEMA have a negligible probability, at best, of suffering a flood. Maps are updated fairly frequently, in order to force more and more people into the program. The best part, though, is that mortgage companies are in on the scam. Generally, you'll get a notice disguised as junk mail, are given a very short response time, after which the mortgage company will be kind enough to take out a policy for you, and charge it to your escrow, at a cost that is between 2-4 times what you will be quoted. What's funny about it is that all rates are set by FEMA. The bank will tell you that they can't know the specifics of your property, which is why their policy costs so much. However, you're slotted by FEMA with a flood zone designation, and your premium is based on that. I'd have to imagine they have trapped quite a few elderly homeowners with this particular scam.
 
2012-07-03 01:58:48 PM

maxximillian: CheekyMonkey: Hey, retards? ProTip: Don't buy a house in a flood zone.

That didn't take long. There is always one person that say it.
You don't have to be in a flood zone to get flooded. And if the lived out west it would be earth quakes, in the mid west it would be tornadoes etc etc. Flood insurance since it's not covered by regular insurance is a wise insurance to have.


If you live in an area that's outside the 100-year flood plain (zone A), you should be able to pick up flood insurance pretty easly from a regular carrier (Chubb may even write the coverage in Zone A for the right premium, I've definitely written a couple properties like that when I was with them). Some carriers may hassle you over a 500-year floodplain (zone B), but that's not the norm. Even within zone A, you should be able to find carriers who are willing to write coverage in excess of the NFIP underlyer and, in reality, you would be a moron not to since the NFIP has certain payment provisions which are more restrictive than standard ISO flood coverage, and have limit caps per dwelling which may not fully indemnify you in a flood situation.
 
2012-07-03 02:00:16 PM

Pick: We just took over 11 inches of rain from Debby. It has been so dry here, the ground absorbed it all in like it was just a sprinkle. I would guess we would need well over 24" of rain before it would start to puddle in this sand we have here, in this part of Florida.


Wow, usually Debby is the one taking 11 inches. Didn't know she was a squirter.

/squirters ftw
 
2012-07-03 03:14:27 PM
In 2001, some friends of mine bought a house in a flood zone, but I assume they thought they were protected because of the levees. To be honest, I don't think they even cared or noticed that Sacramento and the surrounding counties have historically been some of the worst flood areas in the US. In 2003, the gov't decided to evaluate all flood zones in California to determine if they were still protected. In 2009, the report on their county was released. As that county hasn't done any upkeep on the levees in over 40 years, all the levees were considered useless and all those protected zones were relabeled as high risk. In California, all homes in high risk areas are required to have flood insurance, and it's somewhere around $1500/year.

Because my friends are political idiots (and they are republicans), they immediately blamed this on Obama, claiming that he had intentionally and falsely reclassified their neighborhood as a high risk for floods just so he could take more money away from them. And yes, they still believe this, and they hate him for it.
 
2012-07-03 05:00:50 PM
Doesn't it need to rain first?
 
2012-07-03 08:33:09 PM

Voiceofreason01: I live on the top of a hill in an area with excellent drainage.....I think I'll get by somehow


Yeah, except being a target for lightning strikes, it sounds like you've got it all covered.
 
2012-07-03 11:48:35 PM
I live in Florida, and my flood insurance costs me $150 a year. I think it is well worth it, since my regular homeowners insurance won't cover water damage if 1/2" of water comes in from the bottom of the house as opposed to the top. Hopefully, I'll never have to use it, but I enjoy the peace of mind that comes with having it.
 
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