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(NJ.com)   Some NJ residents are furious that FEMA failed them because it doesn't cover second homes and isn't a replacement for private insurance   (nj.com) divider line 147
    More: Stupid, FEMA, Craig Fugate, Small Business Administration, hierarchy of needs  
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13418 clicks; posted to Main » on 06 Nov 2012 at 11:01 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-11-06 01:26:52 PM  

Brett.M: You're taking the complaints the wrong way.
Laundry list of things....
Anyway we won't get anything from the government. I don't think we deserve a hand out, but we don't deserve to have to work harder than others. We work hard, and pay our dues, and rarely complain that we get nothing in return. This is one of the times where we could use a hand, not cash, just support, but sadly none.


Credit cards. You have them, right? That's what they're there for. I only use my credit cards in emergencies too--like when my one car needs repairs, that medical bill, sometimes I need to buy gas and food with them.

I really feel for you, man. And who the fark has $500 worth of perishable food in their house? Especially when you had days notice that a big storm was coming.

And what the hell is with this "we need support" all the time now? Does everybody need a support group every time they have a bad hair day now? Life is hard, get over it. For some people, it's hard every single day. And they're usually the same people who can't afford to have a disaster AT ALL--not with FEMA, not ever. You can afford it. Be grateful for that.

You're surrounded by people who had the same bad luck you did. Go find them and commiserate, help each other clean up a little. That's what people used to do, before they just started sitting on their steps and waiting for the government to come bail them out.

Nothing against you personally, dude. But this "we have it so hard" bullshiat gets old really fast when I keep hearing it from some of the most entitled twats I've ever been exposed to. We're sitting here in the richest country on earth, drowning in material possessions, whining about how hard our lives are. Does everyone just think that nothing bad is ever supposed to happen to them? Funny how they're usually the same people who like to tell others that it's their own fault if bad things happen to them, they should have prepared. They should have prepared for life better. Until their own safety net develops holes.
 
2012-11-06 01:32:14 PM  
These people are just getting a little taste of what Katrina victims had to learn. Private insurance isn't going to cover storm surge or flooding from a Hurricane. If your house is destroyed due to flooding or storm surge, and insurance won't cover you, FEMA isn't going to buy you a new house or pay for repairs on your house. FEMA will give you emergency assistance to put a roof over your head and eat. The money to rebuild the homes in the area that are affected will come from separate government programs, and it will take a while to get that money.
 
2012-11-06 01:32:18 PM  

dofus: You have to feel sorry for the people who work for FEMA. First it's Louisiana. Then Missouri (I think). Now New Jersey.

Why don't they ever get to go some place nice like Southern California.

Oh. Wait...

Never mind.



FEMA did go to SoCal, in 1994. They did a first-rate job, too, although it was amusing to watch them duck under their desks with each aftershock.

/Red Cross sucked
//AmeriCares FTW
 
2012-11-06 01:33:32 PM  

JesusJuice: mjohnson71: I very little sympathy for people who built vacation homes right by the ocean and just a few feet above sea level.

I have very little sympathy for people with vacation homes. Some people whose homes were destroyed have nowhere else to go, these farkers can just move.


Some people have vacation homes (used for vacation rentals) AND their primary homes in the same risk area, because they like the area and want the alternate revenue stream.

/Not sayin' it's SMART.
 
2012-11-06 01:33:49 PM  
I can afford vacation homes on the coast but don't understand how this whole insurance thing works.

Waaaaaaaaaa. Help me Federal government.
 
2012-11-06 01:35:07 PM  

CygnusDarius: j0e_average: Thread over. Boobies said it all.

Boobies speak?.


That's after you inhale.
 
2012-11-06 01:36:38 PM  
These guys didn't read any of the newspaper articles about how FEMA dealt with Katrina and its aftermath, did they?
 
2012-11-06 01:40:26 PM  

Brett.M:
Anyway we won't get anything from the government. I don't think we deserve a hand out, but we don't deserve to have to work harder than others. We work hard, and pay our dues, and rarely complain that we get nothing in return. This is one of the times where we could use a hand, not cash, just support, but sadly none.


I hate to say this but....
memedepot.com
i257.photobucket.com
i935.photobucket.com 

/To soon?
 
2012-11-06 01:41:24 PM  

ashinmytomatoes: These guys didn't read any of the newspaper articles about how FEMA dealt with Katrina and its aftermath, did they?


They didn't. But they did listen to all the talking heads that said the residents of New Orleans were lazy for not having the city rebuilt right away and were just sucking off the governments teat. Now they are getting a little taste of what the people of Katrina went through, but it still won't resonate with them, they will tell you that their situation is different.
 
2012-11-06 01:48:11 PM  

Big Man On Campus: 1) Do you keep water in your home in large bottles for emergencies? No? You're a moron
2) Do you keep a supply of non-perishable food in your home for emergencies? No? You're a moron
3) Do you keep a supply of extra essential medicines you need for emergencies? No? You're a moron
4) Do you keep a supply of cash, or other forms of currency around for emergencies? No? You're a moron
5) Do you own a firearm? No? Well, maybe you're not a moron. But if you answered yes to 1-4, the armed strangers wandering around during emergencies might say thank you.
6) Did you consider the land on which you purchased your home and what the house would need to survive 100-year-frequency disasters? No? You're a fool if you don't
7) Did you make any modifications to the home for disasters, like a storm shelter for tornadoes or a backup generator for power outages? No? That's not very smart, is it?
8) Did you consider how you would contact immediate and extended family if you needed to flee? No? tsk tsk...
9) Do you have sufficient tools at home to fix most anything that might happen? For instance, if you have large trees on your property that might topple, do you own a gas chainsaw? No? that's just sad...

Survival is easy people. Doing any of the things I mentioned costs a lot less than dealing with shiat when it hits the fan.

/yes I'm trolling
//yes, American's need to hear that they're failing in the job of being self-reliant.


Wow. I scored eight out of nine. Nine if you accept a longbow as a gun.

Of course, the "pioneer" phase is still going on here in the Great White North. We elect our governments knowing they won't help us. Lessens disappointment that way.
 
2012-11-06 01:54:37 PM  

ashinmytomatoes: These guys didn't read any of the newspaper articles about how FEMA dealt with Katrina and its aftermath, did they?


They all said it was Bush's fault so they assumed no Bush, no problem.
 
2012-11-06 01:54:43 PM  

TofuTheAlmighty: A bunch of affluent people, who likely vote GOP, complaining that the government won't give them handouts.

This is surprising not in the slightest.


=================================


That's it exactly. These people are almost all Romney voters.

I live in Jersey, and here are the facts:

These are affluent areas, mostly second or third homes. Pre-Sandy, you couldn't buy a house on a barrier island for less than a million. My God these people were arrogant and nasty. State law says that land 15 feet from the high tide line is PUBLIC PROPERTY. Many of these people built fences almost to the water line and their town goon-squads would arrest anyone attempting to gain access to their "private" beaches. To add insult to injury, those beaches were maintained by the Army Corps of Engineers using federal dollars. Now the gov wouldn't give them any welfare. Boo-Farking-Hoo.

/People getting a Taste of Their Own Medicine.
 
2012-11-06 01:57:04 PM  
It never ceases to amaze me that the same assholes who scream about Big Government are also among the loudest screamers when they learn that FEMA doesn't stand for Free Homeowner's Insurance. I can understand that some people just don't earn enough money to afford homeowner's insurance and they deserve assistance. But most people can, but fail to buy it. Then a disaster happens and they think they are entitled to have everything paid for by all other taxpayers but themselves.
 
2012-11-06 02:00:08 PM  
Good thing Romney will get rid of this FEMA scourge once and for all!! At least then no one will get anything for even their first home.
 
2012-11-06 02:02:03 PM  
Seriously, what others have said. It's disaster recovery, not goddam insurance. We already have something for that. It's called insurance. If you're not insured or underinsured, sorry, sucks to be you.

When you live on a beach, a hurricane or tsunami or some kind of flood event is gonna come knocking at some point. Watched the PBS thing last night about the hurricane of 1938. Holy shiat, some of the footage (apparently actual film footage, or really good reenactments) were frightening as shiat.

FEMA didn't exist in 1938. And it was in the middle of WWII. These people today don't know how lucky they are there's a FEMA to turn to, even if it doesn't grant all their wishes.
 
2012-11-06 02:02:05 PM  

cryinoutloud: And who the fark has $500 worth of perishable food in their house?


This.

/$500 would comfortably pay for a month's worth of groceries for my family of four. Granted, I have a garden and supplement our groceries with plenty of home-grown goodness, but still, that's a lot of food. Plus, the extra food we do have cached in our house is stored and/or preserved in some way that doesn't rely on electricity to keep it from rotting - canned, dried, fermented, etc.
 
2012-11-06 02:30:18 PM  
The problem with Big Government is that I didn't get my handout.

/GOP platform in a nutshell
 
2012-11-06 03:06:49 PM  
Barack Obama doesn't care about orange people.
 
2012-11-06 03:21:18 PM  
This is an outrage. Obviously FEMA should be privatized and its management taken over by the states. That would totally have helped.
 
2012-11-06 03:25:35 PM  

Smelly Pirate Hooker: Seriously, what others have said. It's disaster recovery, not goddam insurance. We already have something for that. It's called insurance. If you're not insured or underinsured, sorry, sucks to be you.

When you live on a beach, a hurricane or tsunami or some kind of flood event is gonna come knocking at some point. Watched the PBS thing last night about the hurricane of 1938. Holy shiat, some of the footage (apparently actual film footage, or really good reenactments) were frightening as shiat.

FEMA didn't exist in 1938. And it was in the middle of WWII. These people today don't know how lucky they are there's a FEMA to turn to, even if it doesn't grant all their wishes.


Even though I agree with the point you're making, for some reason I feel compelled to point out that 1938 was not in the middle of WWII. The generally accepted "start" date is September 1, 1939 - the German invasion of Poland. All other points remain valid though.
 
2012-11-06 03:25:36 PM  
Can anyone explain why flood insurance is sold separately from other home insurance? Are there specific regulations involved?
 
2012-11-06 03:26:09 PM  

The Larch: Can anyone explain why flood insurance is sold separately from other home insurance? Are there specific regulations involved?


Not every home owner needs flood insurance?
 
2012-11-06 03:34:57 PM  

wantingout: "The average age of the world's greatest civilizations from the beginning of history has been about 200 years. During those 200 years, those nations always progressed through the following sequence:

1. From bondage to spiritual faith;

2. From spiritual faith to great courage;

3. From courage to liberty;

4. From liberty to abundance;

5. From abundance to complacency;

6. From complacency to apathy;

7. From apathy to dependence;
8. From dependence back into bondage"


Proper internet etiquette requires that you cite your sources. For example, you should have noted that this was a quote from snopes.
 
2012-11-06 03:35:53 PM  

The Larch: Can anyone explain why flood insurance is sold separately from other home insurance? Are there specific regulations involved?


Private industry decided that flood insurance was too costly. The same thing that happened to old peoples' health insurance - either the premia would have to be so high as to be unaffordable by the majority of people who need it, or the company wouldn't be able to cover 100% of losses. Something about the chances of major flooding (like from a hurricane) that has many people all filing claims at the same time.

I think the only regulations involved are the ones creating FEMA/The National Flood Insurance Program (NFIP) and whatever rules banks/mortgage writers have about getting an NFIP policy - when they give you a mortgage, they may require you to buy an NFIP policy as well. NFIP policies are still sold by private companies, but underwritten by the Feds.

// average NFIP policy is ~$600/year
// TMYK
 
2012-11-06 03:42:35 PM  

PsyLord: The Larch: Can anyone explain why flood insurance is sold separately from other home insurance? Are there specific regulations involved?

Not every home owner needs flood insurance?


If the risk of a home flooding is insignificant, then it should be extremely cheap to include flood coverage with standard home insurance.
 
2012-11-06 03:43:33 PM  

Tat'dGreaser: indarwinsshadow: Tat'dGreaser: indarwinsshadow: Let's get this straight. Americans don't like big government, and think universal health care is "commie"...but you want your government to bail you out when you don't have house insurance? Am I missing something..did I read that wrong?

A couple of idiots in NJ is not America

It reads like it's more than a couple though. And why have relief at all, via FEMA, if you have disaster/house insurance? That's what it's there for. FEMA wouldn't be funded for this type of relief unless there was a requirement for it.

The point still stands, these people do not represent anyone but themselves.


You're wrong. As people living in a blue city in a blue state, I say they represent all Democrats. It works in the other direction so I see no reason to not apply it here.
 
2012-11-06 03:53:27 PM  

PsyLord: The Larch: Can anyone explain why flood insurance is sold separately from other home insurance? Are there specific regulations involved?

Not every home owner needs flood insurance?


I believe that private insurers don't sell flood insurance because it's a bad bet--one severe flood could bankrupt the company. Buildings that can withstand hurricane-force winds with little damage can be utterly destroyed by flooding.
 
2012-11-06 04:02:58 PM  
1) If your home is your most valuable asset, insure it. Most likely your insurance policy does not provide flood coverage, and banks do not require it unless you live in a special flood hazard zone.
2) Understand how your home will be valued in the event of a loss. Most people think of their home's value in terms of its market value. Property policie do not use market value. They use either replacement cost or actual cash value (replacement cost minus depreciation for phyiscal wear and tear). If you live in an older home, the replacement cost might be significantly higher than the market value. Ask your insurance broker to explain how they valued your home.
3) If you have a finished basement, understand that your NFIP policy will not provide coverage for finished walls, floors, ceilings, or personal belongings.
 
2012-11-06 04:16:22 PM  

dofus: You have to feel sorry for the people who work for FEMA. First it's Louisiana. Then Missouri (I think). Now New Jersey.

Why don't they ever get to go some place nice like Southern California.



tick..... tock..... tick..... tock.....
 
2012-11-06 04:19:40 PM  
They need to STFU and GBTW. Whiney, whiney bistiches.
 
2012-11-06 04:20:13 PM  

EqualOpportunityEnslaver: Smelly Pirate Hooker: Seriously, what others have said. It's disaster recovery, not goddam insurance. We already have something for that. It's called insurance. If you're not insured or underinsured, sorry, sucks to be you.

When you live on a beach, a hurricane or tsunami or some kind of flood event is gonna come knocking at some point. Watched the PBS thing last night about the hurricane of 1938. Holy shiat, some of the footage (apparently actual film footage, or really good reenactments) were frightening as shiat.

FEMA didn't exist in 1938. And it was in the middle of WWII. These people today don't know how lucky they are there's a FEMA to turn to, even if it doesn't grant all their wishes.

Even though I agree with the point you're making, for some reason I feel compelled to point out that 1938 was not in the middle of WWII. The generally accepted "start" date is September 1, 1939 - the German invasion of Poland. All other points remain valid though.


Eh, point taken. Change to "depths of the Depression and on the eve of WWII."
 
2012-11-06 04:42:17 PM  

PsyLord: JeffreyScott: I think it's time to start blaming Obama.

[static.flickr.com image 500x374]
Mike Myers: 'Obama doesn't care about white people.'
Kanye West - head asplodes


Should be Donald Trump and Flava Flav this time.
 
2012-11-06 05:07:06 PM  
Heh...my Uncle built an addition on his house in the affected area just last winter. When he pulled permits, the town said he had to raise the whole house 4 feet from where it was. Add another $12k to the bill...

Anyway, every adjacent house is now condemned, and his was untouched. Even my beach chairs are still on the deck under some stairs where I left them.

A lot of the homes that were condemned will need to be torn down, and a lot were passed down through the family and didn't have flood insurance.
 
2012-11-06 05:19:14 PM  

Arumat: Skyred: My third home was a beautiful 2 story 3000 sq foot beachfront home. Maybe if you farkers weren't so poor you'd understand how expensive it is to afford that

If you want me to feel bad that your vacation home was damaged/ruined you're going about it the wrong way.

/lives in an apartment on a housing voucher


What's a housing voucher?
 
2012-11-06 05:39:25 PM  
A lot of people in this thread asserting "if you lack flood insurance, you're stupid and deserve to lose everything."

I wonder if they feel the same way about health insurance. "Don't have health insurance? Well, you're stupid and deserve to be destitute if you ever suffer an unexpected illness."

/wonders why homeowners in high-risk areas aren't forced to buy expensive flood insurance as a prerequisite for living in that market
//same justification as the health care individual mandate
 
2012-11-06 05:48:04 PM  

The more you eat the more you fart: Ah, so now some of the same people that called the residents of New Orleans pathetic for expecting the feds to bail them out are learning what its like.

/karma is a real biatch sometimes huh?


Wrong. Both groups are most liberals.
 
2012-11-06 05:56:12 PM  

super_grass: foxyshadis: super_grass: foxyshadis: super_grass: Remember when Fark collectively shat its pants when Ron Paul suggested that people buy insurance after the Tennessee flooding?

What happened to that "we don't need no corpurashuns" attitude now?

No, because that only happened in your imagination.

You must not have much of a short term memory.

So you admit that you came up with it within the last 30-60 seconds?

Translation: I don't follow the news or know how to google

http://www.fark.com/comments/6977467/Ron-Paul-Tornadoes-are-natures-w a y-of-marketing-insurance-sponsored-link?startid=75370021


I read all 408 comments in that thread. It is so far from even remotely being even a tiny bit of a "collective pants-shatting" that it's laughable. Why did you even bother? You're making yourself look like even more of a jackass.
 
2012-11-06 06:16:44 PM  
Likely picture of NJ resident

www.dispatch.com
 
2012-11-06 06:28:29 PM  
What a bunch of racist scumbags you people are. How the fark do you know that all of the people with second homes are white? That's more racist than anything I've ever said.

I hope to hell some of you get real world problems in your life. Seems the biggest thing is sitting on the net biatching about how rich people are keeping your thick framed, Starbucks drinking, ipad tapping, scruffy hipster asses down.
 
2012-11-06 10:50:12 PM  
Bronco Bama doesn't care about rich white people!!!
 
2012-11-07 04:55:29 AM  
This happened to me in Indiana, to my second home that I bought for family. The house wasn't in a flood plain, buying flood insurance when you didn't have to was considered an idiot move and providers of said insurance, if you could even find any, were scam artists. Here comes the 100 yr flood, 125k in damage to the house I bought for my grandmother that I can't afford to repair. It's in such bad shape the bank won't even foreclose on it lol... not all of these people are assholes.
 
2012-11-07 08:57:46 AM  

dig420: not all of these people are assholes.


Nope. Some are just idiots.
 
2012-11-07 09:14:04 AM  

fluffy2097: This is really showing what entitled assholes many people in NYC and NJ are.


So says the Masshole.

/Pot, kettle. Kettle, pot.
 
2012-11-07 01:30:19 PM  
Proof people are moving on to the Government dependence stage at an alarming rate. Next up after complete dependence? Dictatorship baby!
 
2012-11-07 03:54:52 PM  

Smelly Pirate Hooker: Seriously, what others have said. It's disaster recovery, not goddam insurance. We already have something for that. It's called insurance. If you're not insured or underinsured, sorry, sucks to be you.

When you live on a beach, a hurricane or tsunami or some kind of flood event is gonna come knocking at some point. Watched the PBS thing last night about the hurricane of 1938. Holy shiat, some of the footage (apparently actual film footage, or really good reenactments) were frightening as shiat.

FEMA didn't exist in 1938. And it was in the middle of WWII. These people today don't know how lucky they are there's a FEMA to turn to, even if it doesn't grant all their wishes.


US involvement Dec. 8 1941-Au. 1945, so no.
 
2012-11-07 03:58:52 PM  

ThatGuyGreg: TFA:

FEMA won't award grants for damage to second homes.

Good. Fark 'em, that's what insurance is for.

It won't duplicate benefits paid by private insurance, so homeowners must settle claims before FEMA will evaluate, said FEMA Administrator Craig Fugate.

Also good.

And most of its recovery aid comes in the form of low-interest disaster loans, he said.

I'm ok with that too. Being a victim isn't winning the lottery; you still have to be a grownup.


Having lived through Katrina and watched as thousands of people were paid through FEMA to have their homes completely rebuilt or given a reduced amount to move to a new location, because they did not have insurance when I was not even able to get my insurance to cover $1000.00 to replace my fence I completely agree with this. FEMA is not there to cover your dumbass with taxpayer money by replacing all your items that you did not have insured.
 
2012-11-07 04:38:51 PM  
my house could just as easily be hit by major destruction and not be declared a federal emergency. I get no help whatsoever in that case. Work with the system and hope for the best, at least you're not alone.
 
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