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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
    More: Stupid, FEMA, Craig Fugate, Small Business Administration, hierarchy of needs  
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13474 clicks; posted to Main » on 06 Nov 2012 at 11:01 AM (4 years ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



147 Comments     (+0 »)
 
View Voting Results: Smartest and Funniest
 
2012-11-06 09:27:34 AM  
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.
 
2012-11-06 11:02:49 AM  

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.


Done. Absolutely agreed.
 
2012-11-06 11:04:39 AM  
Thread over. Boobies said it all.
 
2012-11-06 11:04:42 AM  
Well this thread is over quick.
 
2012-11-06 11:06:00 AM  

JacksonBryan: 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.

Done. Absolutely agreed.


media.tumblr.com
 
2012-11-06 11:06:03 AM  
Oh FEMA; why can't you magically drain water instantly? Why can't you just cut me a check for my third house?

/ FEMA; it's not the lottery
 
das
2012-11-06 11:07:22 AM  
I blame Bush.
 
2012-11-06 11:07:47 AM  
What? No!!! The outrage...

/wish I had a second home so I could biatch about it.
 
2012-11-06 11:09:07 AM  
Heck of a job, Brownie.
 
2012-11-06 11:09:15 AM  

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.


Agree 100% Nicely done.
 
2012-11-06 11:09:40 AM  
Why would someone let an automated system drive them to tears without trying to reach an agent and clarify things?
 
2012-11-06 11:10:21 AM  
even in a disaster, these people live in their own reality
 
2012-11-06 11:10:28 AM  
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?
 
2012-11-06 11:10:32 AM  

j0e_average: Thread over. Boobies said it all.


Boobies are awesome that way.
 
2012-11-06 11:10:41 AM  
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.
 
2012-11-06 11:10:56 AM  
ThatGuyGreg:

Agreed. If they want more than that, then I say "GFY".

/oh, and so sorry about your goddamn second, third, or fourth homes
 
2012-11-06 11:11:59 AM  
This is really showing what entitled assholes many people in NYC and NJ are.
 
2012-11-06 11:13:40 AM  
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?
 
2012-11-06 11:13:58 AM  
Boot-strappy attitudes, I tell ya.
 
2012-11-06 11:14:40 AM  
Flood insurance, how does that work again?
 
2012-11-06 11:16:01 AM  

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?


It's a blue state
 
2012-11-06 11:16:34 AM  
This bad news.

For Obama.
 
2012-11-06 11:17:52 AM  
I very little sympathy for people who built vacation homes right by the ocean and just a few feet above sea level.
 
2012-11-06 11:18:05 AM  

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.
 
2012-11-06 11:18:28 AM  
WHY AM I PAYING ALL THIS TAX IF THE GOVERNMENT WON'T PROTECT MY HOME AWAY FROM HOME WHARGARBL
 
2012-11-06 11:18:58 AM  
Well, that's typical. White people can't get any help, but black people can get all the strip club boogie woogie money they want.

Welcome to Bushbama's America!
 
2012-11-06 11:19:03 AM  
So is Obama or the Jews or the mainstream liberal media responsible for me building a house next to an angry ocean?

Because my SUV won't start and boo-hoo, etc.
 
2012-11-06 11:19:03 AM  

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?


It's almost like if you have 300,000,000 people in the country you can find someone to wholeheartedly give whatever dumb comment dovetails best with whatever point you want to make.
 
2012-11-06 11:19:48 AM  
Ho-Hum!

White people problems are so much duller than dead black people floating face down in toxic waste water for a week or two while the ineffectual, corrupt, and partisan feds do nothing and the stupid cracker police shoot willy-nilly at every non-white person they see, creating and maintaining the illusion that Africanized-American looters are shooting people when in fact most of the potential looters are quietly and sadly waiting for help seeing as they are the 47% and therefore fat, lazy, stupid, dependant, non-white Democratic Party voters, not bootstrapy strong Libertarian white men like the average looter.

Speaking of state-sponsored criminal classes, how are the super-rich and other Republicans holding out uptown? Do they take comfort that they have won the battle, even as they lose the war? Does the fact that the 47% downtown are starving, with power and unable to post to their Facebook and Twitter accounts console them for their losses on the political front?

After all, Katrina gave Republicans just what they wanted, as did the Bush administration. But with Obama in office, there's actually a snowball's chance in Hell poor people will receive, to use an unpopular four letter word, H-E-L-P, if only after the Election.

I hope they vote in record numbers. At least they'll be able to keep warmer in line for a polling booth. Maybe they can burn their ballots or use them for toilet paper. A good and proper use for ballots in a completely farked-up democracy, I feel and think.

Nature and God have once again shiat upon the Republican Party Platform. And I'm not just tallking about the Richard the Third standing there befuddled by so many lies he can't remember what he said a moment ago let alone yesterday.
 
2012-11-06 11:20:20 AM  
Damn it Warthog
 
2012-11-06 11:20:40 AM  
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?
 
2012-11-06 11:21:34 AM  

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.
 
2012-11-06 11:21:48 AM  
This guy is all sorts of bent-out-of-shape. Five days since the hurricane and he's still waiting for his help. but it seems to me that people are far too used to instant gratification and don't realize that bureaucracy takes time.

Sorry about your house and your kids and wife man, but the reality is nobody wants to pay for these things, very likely including you. You are not the only person in the room, and there are probably a few folks who are worse of than you.

I'll bet a wooden nickel this idiot votes for Rmoney.
 
2012-11-06 11:23:12 AM  

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.


We don't need no corporations
We don't need no flood control
No tax dollars on the seashore
FEMA, Leave those homes alone!
Hey, FEMA! Leave those homes alone! 

/Sorry for the earworm
 
2012-11-06 11:23:41 AM  

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
 
2012-11-06 11:23:43 AM  
Ass-hat of the year award goes to:
"I don't why that should matter. We pay into just like anybody else does," Ken Fisko said. "It's government funded, and we all know we fund the government."

If you don't pay for insurance on your second (ie. optional) home, then don't expect anyone to help you out when it is flooded. FEMA assistance is to keep people off the streets - by definition "second home" owners will not be on the streets.
 
2012-11-06 11:26:22 AM  
I wonder how many are pissed that their homeowners' doesn't cover flooding/surge. READ YOUR DAMNED POLICY, PEOPLE.

FEMA is not your piggy bank. YOU buy private insurance, YOU must take appropriate steps to mitigate against COMPLETELY PREDICTABLE damages (like from flooding, if you live in a coastal area), and always assume that YOU are on the hook for rebuilding.

This must be that personal responsibility I keep hearing about.

And this guy: "We pay into just like anybody else does," Ken Fisko said. "It's government funded, and we all know we fund the government." should understand that FEMA/the government is not an ATM. The GOP may have been pushing this line that every dollar you pay into government needs to come back to you at your demand, but it simply does not work that way. FEMA is bound by the laws that created it, which say that second+ homes can get stuffed. If you can afford that second home near the coast, you should have been able to afford some insurance for it; maybe raised it on stilts or built a floodwall. FEMA has grants for non-disaster mitigation efforts - so feel free to use some of that money you sent in. Be a responsible citizen and know some things before you're literally picking up the pieces and relying on your government for help.

// seriously - mitigate, biatches
// $1 spent on mitigation saves $3 in recovery (on average)
// some ideas to help you get started
// specifically Katrina-related ideas
 
2012-11-06 11:26:36 AM  

Rapmaster2000: boogie woogie money


I laughed way too much at that.
 
2012-11-06 11:27:35 AM  
Wait.......are you telling me that Obama doesn't care about white people??

O_O
 
2012-11-06 11:28:29 AM  

j0e_average: Thread over. Boobies said it all.


I love it when boobies talk
 
2012-11-06 11:29:39 AM  
Good, that money is for people who lost their only home, not their summer home.
 
2012-11-06 11:29:40 AM  

Nubian Jim: Heck of a job, Brownie.


That's racist.jpg

/ fartbongo
 
2012-11-06 11:29:56 AM  
"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"
 
2012-11-06 11:31:03 AM  
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
 
2012-11-06 11:32:13 AM  

j0e_average: Thread over. Boobies said it all.


Boobies speak?.
 
2012-11-06 11:34:52 AM  

davidphogan


Why would someone let an automated system drive them to tears without trying to reach an agent and clarify things?


Some phone systems are wicked aggravating on a good day. If someone were already upset and emotional (e.g. due to a disaster), trying to navigate a craptacular menu might be enough to induce tears, especially if there is no obvious way to reach a live person.
 
2012-11-06 11:35:29 AM  

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.


If these are the boot-strappy affluent GOP voting people that are complaining the sheer hypocrisy is mindblowing.
 
2012-11-06 11:37:10 AM  
Speaking about parables about ungrateful snots:

A fellow was stuck on his rooftop in a flood. He was praying to God asking the government for help.

Soon a man in a rowboat came by and the fellow shouted to the man on the roof, "Jump in, I can save you."

The stranded fellow shouted back, "No, it's OK, I'm praying to God and he FEMA is going to save me."

So the rowboat went on.

Then a motorboat came by. "The fellow in the motorboat shouted, "Jump in, I can save you."

To this the stranded man said, "No thanks, I'm praying to God and he is going to save me. FEMA will do everything for me. I have faith."

So the motorboat went on.

Then a helicopter came by and the pilot shouted down, "Grab this rope and I will lift you to safety."

To this the stranded man again replied, "No thanks, I'm praying to God and he is going to save me. FEMA will send out a truckload of cash for my second home. I have faith."

So the helicopter reluctantly flew away.

Soon the water rose above the rooftop and the man drowned. He went to Heaven. went down. He finally got his chance to discuss this whole situation with God FEMA, at which point he exclaimed, "I had faith in you but you didn't save me, you let me drown didn't pay for everything ten seconds after the water left. I don't understand why!"

To this God FEMA replied, "I sent you a rowboat and a motorboat and a helicopter, what more did you expect?"
 

/For some reason, this popped into my head.
 
2012-11-06 11:37:58 AM  

Seacop: Damn it Warthog


What? What'd I do?
 
2012-11-06 11:39:03 AM  
Soooooo, the people in the NE are learning what people IN EVERY OTHER PART OF THE COUNTRY ALREADY KNOW??????

Sorry for you loss folks but you are being treated properly.

Get this:

YOU LIVE AT THE BEACH. SOMETIMES IT STORMS.
 
2012-11-06 11:39:05 AM  
Why all this fretting? The people with money will all get new homes and new cars and new roofs from socialist insurance plans. Those without money didn't have a shore home or working car anyway, so this all fixes itself.

/problem solved
 
2012-11-06 11:39:28 AM  

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.
 
2012-11-06 11:42:05 AM  
After Katrina, I felt bad about not feeling bad for the people who got caught in the storm's aftermath.

After Sandy, I just don't f-ing care. Sh@!t happens people, don't buy homes built on sand. If American's can somehow remember that the Earth isn't a tame lawn on which nothing bad happens then maybe we won't look like morons to the rest of the world when a NATURAL (meaning they happen naturally) disaster comes.

Just look at the Japanese after a much worse ordeal.... yeah, New Jersey, you see what whiny biatches you look like? STFU and deal with your shiat.
 
2012-11-06 11:42:30 AM  

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


This. They are called barrier islands for a reason.
 
2012-11-06 11:42:38 AM  

Snarfangel: 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.

We don't need no corporations
We don't need no flood control
No tax dollars on the seashore
FEMA, Leave those homes alone!
Hey, FEMA! Leave those homes alone! 

/Sorry for the earworm


Damitalltohell, guess what I'll be listening to all day now?
 
2012-11-06 11:42:59 AM  
cdn0.hark.com
King of Swamp Castle: One day, lad, all this will be yours.
Prince Herbert: What, the curtains?
King of Swamp Castle: No, not the curtains, lad, all that you can see stretched out over the valleys and the hills! That'll be your kingdom, lad.

King of Swamp Castle: When I first came here, this was all swamp. Everyone said I was daft to build a castle on a swamp, but I built in all the same, just to show them. It sank into the swamp. So I built a second one. That sank into the swamp. So I built a third. That burned down, fell over, then sank into the swamp. But the fourth one stayed up. And that's what you're going to get, Lad, the strongest castle in all of England.

King of Swamp Castle: We live in a bloody swamp.
 
2012-11-06 11:43:19 AM  
When will the FEMA trailer and rooms on cruise ships show up? That's always entertaining
 
2012-11-06 11:43:26 AM  

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
 
2012-11-06 11:44:20 AM  
You're taking the complaints the wrong way.

My wife, son and I we displaced by the storm. Yes we have 2 homes. We used miles for hotel rooms. Lost all the food in our fridge, paid a ton in gas to keep the basements dry. We had a good amount of damage also. We can afford to fix it, but man a loan would help out a lot. We're insured, but it's not that easy to get someone to work on stuff ASAP when we 'promise' that insurance will pay.
Dry ice was not given out to us, we didn't qualify. Lost (guessing) $500 in food because of that, we didn't have freezers full of steaks, it was mostly healthy baby type products. It's not something you can easily buy (Dry Ice). I had to wait on lines with gas cans to keep the generators running (Sump pumps, not heat), FEMA was giving gas to those who qualify. Also a guess but maybe $7,500 in property damage.
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.
 
2012-11-06 11:46:43 AM  
"I don't why that should matter. We pay into just like anybody else does," Ken Fisko said. "It's government funded, and we all know we fund the government."

cdn.smallscreenscoop.com
 
2012-11-06 11:49:04 AM  

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.
 
2012-11-06 11:51:13 AM  

Brett.M: You're taking the complaints the wrong way.

My wife, son and I we displaced by the storm. Yes we have 2 homes. We used miles for hotel rooms. Lost all the food in our fridge, paid a ton in gas to keep the basements dry. We had a good amount of damage also. We can afford to fix it, but man a loan would help out a lot. We're insured, but it's not that easy to get someone to work on stuff ASAP when we 'promise' that insurance will pay.
Dry ice was not given out to us, we didn't qualify. Lost (guessing) $500 in food because of that, we didn't have freezers full of steaks, it was mostly healthy baby type products. It's not something you can easily buy (Dry Ice). I had to wait on lines with gas cans to keep the generators running (Sump pumps, not heat), FEMA was giving gas to those who qualify. Also a guess but maybe $7,500 in property damage.
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.


Yeah. Other people without 2 houses need that hand more.

In fact, there are people now with NO houses.

/I remember running a bucket brigade to keep the sump from filling and flooding the basement during hurricane bob because we had no power.
//I feel SO TERRIBLE you couldn't get gasoline to run your pumps and refrigerator.
 
2012-11-06 11:52:17 AM  
ThatGuyGreg


I'm ok with that too. Being a victim isn't winning the lottery; you still have to be a grownup.
---and ---
j0e_average

Thread over. Boobies said it all.
---and ---
iheartscotch

Oh FEMA; why can't you magically drain water instantly? Why can't you just cut me a check for my third house?

/ FEMA; it's not the lottery


Wow 3 for 3 and I agree with all of them.

[ sarcasm ]
I'm sure if FARK had a search we would see you saying the same thing after Katrina.
amiright?

[ / sarcasm ]
 
2012-11-06 11:52:59 AM  

Brett.M: You're taking the complaints the wrong way.

My wife, son and I we displaced by the storm. Yes we have 2 homes.... we don't deserve to have to work harder than others. .


Not "displaced" if you have a second home, and if you do, you had better have worked harder than others.

I have two sailboats, and no car. Evidently, I prefer sailboats.

If one of either of my sailboats sank, I am insured to (eventually) replace it and I would not be "displaced from sailing".
 
2012-11-06 11:53:59 AM  

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?
 
2012-11-06 12:02:12 PM  
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.
 
2012-11-06 12:02:25 PM  
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.
 
2012-11-06 12:04:04 PM  

Brett.M:
Lost (guessing) $500 in food because of that, we didn't have freezers full of steaks, it was mostly healthy baby type products.


You... you had $500 worth mostly of perishable baby health food... and two homes... and generators... and you want government disaster relief assistance after a huge storm hit that left hundreds of thousands of people without any power, food, water, or any home at all because your perishable stockpiled food went bad and gas for those generators is expensive? Dude, I have no sympathy for you.
 
2012-11-06 12:06:01 PM  

JacksonBryan: 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.

Done. Absolutely agreed.


While the above is correct in all aspects, and effectively ends all rational discussion among thinking adults, I predict the Fark Whaarrgaarbl Brigade will not be so easily denied.
 
2012-11-06 12:06:18 PM  
I lost everything in Sandy. Fortunately for a 20-something bachelor that works pretty much all the time, 'everything' was some hand-me-down furniture, an XBOX360 and some towels. The floors and walls are shot, but when you live in a tiny bungalow it really isn't worth paying for the flood insurance, unless you live RIGHT on the water and are at risk for a total loss ie. your home is floating in the Bay and your lot is now a boat slip.

FEMA came yesterday to bail me out :) My income was low enough to definitely get some halp, primary residence and all. Yay for being poor! You're better off saving your own money anyway. Insurance companies are out to make you work real hard for your payout, especially for water damage.

The worst part so far was the horrendous stomach bug I picked up from the past week spent cleaning up shiat soaked in dirty water. I washed my hands like a fiend but I'm still "pissin' out my ASS" (in Tourette's Guy voice) every 45 minutes or so. Chugging bottled water just to keep my pee stream clear and not copper-orange dehydrated smelly colored.

....tmi?

Hope all affected Farkers make out OK rebuilding!

/Barnegat Bay resident
//no flood insurance, just banked on rebuilding myself 
/// soggy slashies?
 
2012-11-06 12:06:35 PM  
"I don't why that should matter. We pay into just like anybody else does," Ken Fisko said. "It's government funded, and we all know we fund the government."

No, you didn't "pay in". This isn't an insurance pool. You didn't bother to buy that. This is emergency relief for people who are in danger of losing everything and ending up homeless. If you have a second home, that isn't you.

theinfosphere.org
 
2012-11-06 12:07:07 PM  

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?


THIS, if he wanted to validate his point, he would have cited fark. Plus, short term memory????
 
2012-11-06 12:07:09 PM  

Brett.M: 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.


Hopefully, things clear up for you (and the region) in the next few days, weeks, months. A friend of mine lost her home for at least a month - their 4- and 2-year olds with them - and will have to get by on the kindness of strangers.

But two things that you should realize:
1. This was not a standard storm. According to early analysis, it was a 500-year flood - a .2% annual chance this type of flood happens. Over a 30-year mortgage, this chance balloons to (I think, someone else can check my math) 5%. A 100-year flood (1% annual chance) has a 26% chance of hitting during a 30-year mortgage. Nonstandard means many people will need help, and anyone can tell you that triage is the best way to go. If everyone's alive and you have a place to go (and two nickels to rub together), you're on your own. Out of necessity to the people with more serious problems.
2. Part of responsible home ownership - especially near a waterway or coastline (hell, in any flood zone) - is hazard mitigation. FEMA gives out grants, pre-disaster, to people who want to protect their homes by raising them, strengthening them, building berms or floodwalls. FEMA has an entire database dedicated to mitigation best practices. The time to get health insurance is not when you get sick. It's an expensive lesson to learn, and unfortunately, most homeowners learn it this way.

If you think of home ownership the way you think of your health ("body ownership"), why wouldn't you get your house "checked up" every year or two? Why wait for a freak (as "freak" as a 1-in-4 chance over the life of your mortgage can be, anyway) storm to expose your weaknesses? Pay the $600/year for the NFIP. Get a pre-disaster grant. Make sure (even if those two don't happen) you know your flood risk - get a floodplain map, if you have to (I think they're $5 if you buy them from FEMA).

Not to sound callous. I hope you and yours make it through everything OK.

// 3 friends have spent over 24 hours combined waiting in gas lines
// godspeed
 
2012-11-06 12:08:31 PM  

brantgoose: Ho-Hum!

White people problems are so much duller than dead black people floating face down in toxic waste water for a week or two while the ineffectual, corrupt, and partisan feds do nothing and the stupid cracker police shoot willy-nilly at every non-white person they see, creating and maintaining the illusion that Africanized-American looters are shooting people when in fact most of the potential looters are quietly and sadly waiting for help seeing as they are the 47% and therefore fat, lazy, stupid, dependant, non-white Democratic Party voters, not bootstrapy strong Libertarian white men like the average looter.

Speaking of state-sponsored criminal classes, how are the super-rich and other Republicans holding out uptown? Do they take comfort that they have won the battle, even as they lose the war? Does the fact that the 47% downtown are starving, with power and unable to post to their Facebook and Twitter accounts console them for their losses on the political front?

After all, Katrina gave Republicans just what they wanted, as did the Bush administration. But with Obama in office, there's actually a snowball's chance in Hell poor people will receive, to use an unpopular four letter word, H-E-L-P, if only after the Election.

I hope they vote in record numbers. At least they'll be able to keep warmer in line for a polling booth. Maybe they can burn their ballots or use them for toilet paper. A good and proper use for ballots in a completely farked-up democracy, I feel and think.

Nature and God have once again shiat upon the Republican Party Platform. And I'm not just tallking about the Richard the Third standing there befuddled by so many lies he can't remember what he said a moment ago let alone yesterday.


-1
 
2012-11-06 12:10:03 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.


When I was on the phone with my insurance company after buying my new house, they asked if I had considered supplemental flood insurance. I looked out my front window, down the hill atop which my home sits, several hundred feet down to the tiny rivulet of a stream that I can see if I pull out my binoculars, far, far, far away from any significant water source that isn't seriously subterranean. I said "Ma'am, if this house ever needs flood insurance, we've got a whole lot more to worry about than water in the basement."

The rest I've got covered.

/Right down to medieval weapons once things degenerate to iron age.
//my wine cellar doubles as a a sever storm shelter, as well.
///*hic*
 
2012-11-06 12:17:52 PM  

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
 
2012-11-06 12:21:03 PM  
An excessive feeling of entitlement by someone in a blue state?

NO FREAKING WAY!
 
2012-11-06 12:25:07 PM  
yes, American's need to hear that they're failing in the job of being self-reliant.

American's need to hear that they're failing in the job of being self-reliant... is what? A sign of psychosis? A weakness to be taken advantage of? Drives him to binge eating when unsatisfied, and that's why the American is so fat?
 
2012-11-06 12:26:43 PM  
Doh! I was trying to quote this guy:

Big Man On Campus:
 
2012-11-06 12:31:37 PM  

Bundalo: I said "Ma'am, if this house ever needs flood insurance, we've got a whole lot more to worry about than water in the basement."


You're absolutely confident that your house can withstand water falling from the sky (frozen or liquid), that no storm surge can touch you, that no wind-driven water will get behind the outer boundary of your house, that the land won't soak and seep in from underneath...you're not expecting any severe rainstorms so long as you live in that house on the hill, forever and ever, amen?

Good luck.

// and also, if you live outside a floodplain, your policy would cost almost nothing
// is $50/year too much to have total peace of mind when it comes to rain/flood? Bear in mind, home insurers love hearing that water damaged your property - it means they can weasel out of paying SO much easier
 
2012-11-06 12:32:09 PM  

Valiente: So is Obama or the Jews or the mainstream liberal media responsible for me building a house next to an angry ocean?

Because my SUV won't start and boo-hoo, etc.


same people who made other people live in a city below sea level on the coast of teh Gulf of Mexico.

/yet so much rage with this compared to that for compensating the retarded.
 
2012-11-06 12:38:10 PM  
but
but
but
I'm special.
 
2012-11-06 12:45:00 PM  

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


Not this tired, old self-responsibility argument? Some days I can just feel that I should be getting paid, you can't explain that away with your psycho-babble
 
2012-11-06 12:47:06 PM  

Joe Blowme: Valiente: So is Obama or the Jews or the mainstream liberal media responsible for me building a house next to an angry ocean?

Because my SUV won't start and boo-hoo, etc.

same people who made other people live in a city below sea level on the coast of teh Gulf of Mexico.

/yet so much rage with this compared to that for compensating the retarded.


Because poor single home residence of NOLA are the same as affluent people that are complaining about not gettting help with their 2nd homes.
 
2012-11-06 12:50:00 PM  

Dr Dreidel:
1. This was not a standard storm. According to early analysis, it was a 500-year flood - a .2% annual chance this type of flood happens. Over a 30-year mortgage, this chance balloons to (I think, someone else can check my math) 5%. A 100-year flood (1% annual chance) has a 26% chance of hitting during a 30-year mortgage. Nonstandard means many people will need help, and anyone can tell you that triage is the best way to go. If everyone's alive and you have a place to go (and two nickels to rub together), you're on your own. Out of necessity to the people with more serious problems.
2. Part of responsible home ownership - especially near a waterway or coastline (hell, in any flood zone) - is hazard mitigation. FEMA gives out grants, pre-disaster, to people who want to protect their homes by raising them, strengthening them, building berms or floodwalls. FEMA has an entire database dedicated to mitigation best practices. The time to get health insurance is not when you get sick. It's an expensive lesson to learn, and unfortunately, most homeowners learn it this way.

If you think of home ownership the way you think of your health ("body ownership"), why wouldn't you get your house "checked up" every year or two? Why wait for a freak (as "freak" as a 1-in-4 chance over the life of your mortgage can be, anyway) storm to expose your weaknesses? Pay the $600/year for the NFIP. Get a pre-disaster grant. Make sure (even if those two don't happen) you know your flood risk - get a floodplain map, if you have to (I think they're $5 if you buy them from FEMA).

Not to sound callous. I hope you and yours make it through everything OK.


Just in case anyone is looking for a floodmap in the US - they are freely available online at https://msc.fema.gov/. Be aware that they do not map all streams and almost never cover storm water runoff. They may also contain older data - flood prone areas change based on a lot of factors, including buildings and parking lots (this particularly applies to smaller streams).
 
2012-11-06 12:51:08 PM  
I wonder how many of the will be back to biatching how the dunes ruin their view of the ocean by summertime?
 
2012-11-06 12:53:42 PM  

Brett.M: Dry ice was not given out to us, we didn't qualify. Lost (guessing) $500 in food because of that, we didn't have freezers full of steaks, it was mostly healthy baby type products. It's not something you can easily buy (Dry Ice). I had to wait on lines with gas cans to keep the generators running (Sump pumps, not heat), FEMA was giving gas to those who qualify. Also a guess but maybe $7,500 in property damage.


You were running generators but couldn't run an extension to keep your freezer running? $500 of food, especially something less value-dense than steak, should take several days to defrost in a properly managed freezer, no dry ice required.

File an insurance claim, move on.
 
2012-11-06 12:54:43 PM  

PsyLord: Joe Blowme: Valiente: So is Obama or the Jews or the mainstream liberal media responsible for me building a house next to an angry ocean?

Because my SUV won't start and boo-hoo, etc.

same people who made other people live in a city below sea level on the coast of teh Gulf of Mexico.

/yet so much rage with this compared to that for compensating the retarded.

Because poor single home residence of NOLA are the same as affluent people that are complaining about not gettting help with their 2nd homes.


No, choosing to live in a place prone to natural disasters is just retarded.
 
2012-11-06 12:58:26 PM  
settlements on barrier islands shouldn't be covered by FEMA, or private insurance. BAYR
 
2012-11-06 01:00:54 PM  

ThatGuyGreg: TFA:
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.


You've drawn the disaster card! Now you get to go into debt after having a disaster!

I've never liked this, philisophically. Pragmatically, I don't see a better way.
 
2012-11-06 01:07:44 PM  
Oklahoma had some big wildfires this past summer. A few high school and college friends, as well as one family member, lost their homes to the wildfires. They were SHOCKED that FEMA wouldn't pay to replace their homes.

One of these people had an uninsured mobile home that wasn't even her primary residence. She was angry that FEMA wouldn't buy her a new one.
 
2012-11-06 01:09:55 PM  

Joe Blowme: No, choosing to live in a place prone to natural disasters is just retarded.


After the Yellowstone Caldera goes, the Weenerss once internet service is restored in Europe and Asia will be along the lines of "well, it was their fault for settling North America".
 
2012-11-06 01:10:08 PM  
People in the New York/New Jersey area feeling entitled? Well I never!
 
2012-11-06 01:14:07 PM  

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

Boobies speak?.


No, but the bumps around the areola is braille for "suck here".
 
2012-11-06 01:14:25 PM  

freewill: Joe Blowme: No, choosing to live in a place prone to natural disasters is just retarded.

After the Yellowstone Caldera goes, the Weenerss once internet service is restored in Europe and Asia will be along the lines of "well, it was their fault for settling North America".


right, because every so many years it blows and wipes out those who built arround it and yet they keep rebuilding. And once that asteroid hit the earth, the martians will be saying "well, it was their fault for settling earth"
 
2012-11-06 01:14:44 PM  
I think it's time to start blaming Obama.
 
2012-11-06 01:16:05 PM  

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.
 
2012-11-06 01:20:29 PM  

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


static.flickr.com
Mike Myers: 'Obama doesn't care about white people.'
Kanye West - head asplodes
 
2012-11-06 01:20:41 PM  

Big Man On Campus: //yes, American's need to hear that they're failing in the job of being self-reliant.


This
That
and some of Those.

/newsletter?
 
2012-11-06 01:25:01 PM  

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?


Government is there to provide bear-minimum safety nets, no replace private industry entirely. At least you got some quality false equivocating going on there though, bless your heart.
 
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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