Tennesee flood victims failed to learn lesson from Katrina.

Discussion in 'Current Events' started by SpidermanTuba, May 9, 2010.

  1. SpidermanTuba
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    SpidermanTuba BANNED

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  2. The T
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    The T George S. Patton Party Supporting Member

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    Really? How many had that insurance in NOLA and surrounding areas prior to Katrina? [Or were they just bought out]?

    Is Flood insurance EASY to get there? Or does it take FED Subsidies?

    :eusa_hand::eusa_think:

    You may cease your shit Spidey.
     
  3. bodecea
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    bodecea Diamond Member

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    Perhaps you have a little trouble understanding the concept of "a lesson".
     
  4. SpidermanTuba
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    SpidermanTuba BANNED

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    Most people not living in federally designated flood zones, where you are required by law to have flood insurance, did not have flood insurance. This is true of New Orleans - Tennessee - and everywhere in the nation. Every time a major flood happens, it turns out, most all of the victims not required by law to buy flood insurance, do not have it. This was not unique to Katrina.
     
  5. The T
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    The T George S. Patton Party Supporting Member

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    And so do people that live where they DO. There are risks courtesy of the Earth and Nature no matter where you live. You can cease yer shit too.:eusa_hand:
     
  6. Care4all
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    Care4all Warrior Princess Supporting Member

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    flood insurance IS EXPENSIVE....it is a lie, that it is not.

    I am not in a flood zone, but i looked in to it about 3 weeks ago, because all of these flood insurance ads were running on tv, that scared me and it saqid it was less than $120 bucks for a policy....

    WELL!

    The $120 a year was for only damages worth $8000 bucks, that's it.....

    and if you have a basement or a crawl space, that flood insurance policy does not cover that....which is EXACTLY where the waqter will go, in to the crawl space with the heater and water pump....so you have to pay for aqnother policy for that, which again covers very very very little in damage.....

    then if you want more damage coverage....my house for my homeowners is insured for $200,000 in damages and another $100k in content damages....the whole $300k coverage is around $600 bucks a year for us.....

    on the flood insurance, you also have to buy a separate policy for your contents inside your house....

    the whole thing, just to get about $50k in coverage, which covers NEAR NOTHING in what water damage could be was about a thousand dollars a year!!!!! for just the $50k in coverage while my homeowners is for $600 and $300k in coverage...

    so bullcrap it is cheap.
     
  7. Oddball
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    Oddball BANNED Supporting Member

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    Maybe they're merely smart enough to know that BOOOOOOOSH! isn't in office anymore, so it's useless to try and blame him.
     
  8. xsited1
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    xsited1 Agent P

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    If they're in a flood plane at all, they should've had flood insurance. If they're in an area that rarely floods, it's not that expensive. I guess buying big-screen TVs were more important than protecting their homes.
     
  9. Care4all
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    if your home was worth $200 grand without its contents, what kind of flood insurance would you take out? The $120 yearly policy that covers $8000 in structure damage only?

    Flood insurance is much more expensive, even if NOT in a flood zone, than any kind of homeowners insurance....dollar for dollar coverage....it is NOT cheap, regardless of what the gvt is touting....their flood insurance policies are EXPENSIVE, for what you get.

    look it up yourself online.....
     
  10. xsited1
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    :lol: I'm just going by personal experience here in the South. I'm sure it's similar to Tennessee. $200k would be in the upper end of the scale for this area, so that certainly would not be average. For moderate-to-low risk areas, it can start as low as $150/year for building and contents coverage. A sister of mine lives in one such area and pays about $125/year for a 1600 sqft house.
     

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