cannabineer
Ursus marijanus
It's a terrible thing people do to their import cars. cn
Should Oklahoma tornado victims get Federal Dollars...
- Thread starter TheGreenMaester
- Start date
Correct! Why isn't FEMA paying for this? I have termites too and wouldn't mind some other people paying for a new home for me.
MuyLocoNC
Well-Known Member
Except, there are NO FUNDS. It's fictitious. It's not really insurance if you're printing money to pay for it. If we had no deficit, no national debt, a balanced budget amendment AND actual funds set aside, I could get on board...maybe. Any of these people that lived there and didn't have insurance with a specific rider for tornados, needs to be told to pound sand.
cannabineer
Ursus marijanus
I will ask ... is tornado insurance available at reasonable cost and with reasonable coverage? earthquake insurance in CA is a sick joke. Deductibles of 15 per cent of the property value, and an annual premium of typically $15 per $1000 of assessed value. So for a rather ordinary $500K house, you're paying $7500. per annum, and the first $7500. isn't covered. Personal possessions, landscaping, other structures etc.? Fuhgeddaboudit. cn
fb360
Active Member
I'd like to open with my response, which is HELL NO.
I have a house in Joplin Missouri, where the largest tornado ever recorded in the US hit. The tornado went through and wiped out nearly the entire town, missing my house by 6 miles (the tornado was nearly a mile in diameter itself)... Furthermore, we get tornados EVERY year, literally within miles of my place. For that reason, home owners insurance DOES NOT cover such incidents, giving the home owner the choice and freedom to stay in a dangerous area, or not to, prior to losing your home. Moreover, even though we have seen the worst of the worst, and many others, Joplin residents have not received a cent from the feds. In fact, the individuals who lost their homes and cannot afford another place, are still living in run down trailers located at the airport. I do feel bad for those individuals, but they knew the situation when they chose to live there. Don't want to have to buy a new house once your old one gets wiped out by a twister? Simple, don't live there.
Are you retarded? No need to answer, we already know.
So you're saying that because these people got hit by a tornado, they should be treated differently than everyone else who has experienced some sort of disaster? And they did choose you fucking moron. When they purchased a house in a zone that tornados are KNOWN to frequent, they chose to accept the chances of encountering one. Simply put, they made a stupid decision, and now want other people to fix it for them.
That's like building a house underneath an overhanging cantilever of stone, and when a large stone fall and creates damage, asking others to pitch in to rebuild their house. Perfect analogy for choosing to live in an area that encounters multiple tornados EVERY YEAR. Its only a matter of time until that rock falls due to gravity, and its only a matter of time one of those tornados heads in your direction
We should let those individuals hand feed lions and listen to them complain when they lose a hand. Funny shit
e;
Oh and ps, the shit they have on wiki for the joplin tornado in terms of insurance payouts is BULLSHIT. Not a single resident received insurance for the tornado unless they purchased it somewhere outside of the state. There IS NO tornado insurance in Joplin Missouri, period.
I have a house in Joplin Missouri, where the largest tornado ever recorded in the US hit. The tornado went through and wiped out nearly the entire town, missing my house by 6 miles (the tornado was nearly a mile in diameter itself)... Furthermore, we get tornados EVERY year, literally within miles of my place. For that reason, home owners insurance DOES NOT cover such incidents, giving the home owner the choice and freedom to stay in a dangerous area, or not to, prior to losing your home. Moreover, even though we have seen the worst of the worst, and many others, Joplin residents have not received a cent from the feds. In fact, the individuals who lost their homes and cannot afford another place, are still living in run down trailers located at the airport. I do feel bad for those individuals, but they knew the situation when they chose to live there. Don't want to have to buy a new house once your old one gets wiped out by a twister? Simple, don't live there.
Posts like this make me want to smack a baby.
Are you retarded? No need to answer, we already know.
So you're saying that because these people got hit by a tornado, they should be treated differently than everyone else who has experienced some sort of disaster? And they did choose you fucking moron. When they purchased a house in a zone that tornados are KNOWN to frequent, they chose to accept the chances of encountering one. Simply put, they made a stupid decision, and now want other people to fix it for them.
That's like building a house underneath an overhanging cantilever of stone, and when a large stone fall and creates damage, asking others to pitch in to rebuild their house. Perfect analogy for choosing to live in an area that encounters multiple tornados EVERY YEAR. Its only a matter of time until that rock falls due to gravity, and its only a matter of time one of those tornados heads in your direction
We should let those individuals hand feed lions and listen to them complain when they lose a hand. Funny shit
e;
Oh and ps, the shit they have on wiki for the joplin tornado in terms of insurance payouts is BULLSHIT. Not a single resident received insurance for the tornado unless they purchased it somewhere outside of the state. There IS NO tornado insurance in Joplin Missouri, period.
bwest
Well-Known Member
Landlord's homeowners only covers his property. You should check up on renters insurance.
If you don't have renters insurance, and the landlords house burns down, he is covered, you and your shit are not. How much do you think it would cost to replace everything you
own? We're talking appliances, clothes, dishes, electronics, etc. 15000 dollars of coverage for 112 dollars a year is smart. Thinking landlords insurance will cover you is stupid.
Gotta be careful with your words in the politics section or you'll be eaten alive.
bwest
Well-Known Member
Co pay is what you have to pay, deductible is how much you have to pay before insurance kicks in. If you go to the doctors office and there is a $50 co-pay, it means you pay $50.
bwest
Well-Known Member
You probably had a 500 dollar deductible.
MuyLocoNC
Well-Known Member
I just asked my wife for you, she's a fire & casualty claims adjuster for State Farm. Most insurance policies cover wind and storm damage with no additional rider required. Flood damage and/or storm surge is not without additional coverage. It is possible that the deductible is higher in areas at high risk, but the policy should cover tornados and hurricanes. In the case of a destroyed home, the homeowner would be paid for reconstructing the home and additionally for the contents, up to the content limit of the policy.
So basically, no excuse.
UncleBuck
Well-Known Member
lol @ the balanced budget amendment.
quite possibly the stupidest, most crippling idea anyone has ever seriously proposed.
nothing else to say other than that is is just a horrible and stupid idea, and i pity anyone who espouses it.
gee, what gave that away?
cannabineer
Ursus marijanus
Earlier you mentioned the need for a specific rider. Here you say "no additional rider". Which is it? It cannot be both. How much extra for the rider? cn
MuyLocoNC
Well-Known Member
I did indeed. I was under the impression that a homeowner WOULD need a rider for tornados if they lived in a high-risk area. After asking the expert who sleeps beside me, I was informed of my error. If wind, in any of its many destructive forms, is the cause of the damage, it's covered. There are riders for hurricanes as flood damage and storm surge usually accompany them and those aren't covered by basic policies.
Of course, most homeowners are drastically underinsured, by choice or by carelessness. The included content limits of most policies won't come close to replacing all your shit. Additional coverage is easily obtained and is actually quite inexpensive for the amount it adds, but most homeowners don't even ask. Likewise, many of these folks will only see about 80% of what it actually costs to rebuild their homes. Also due to a lack of diligence and research when purchasing such an important safeguard. It's safe to say that 99 out of every 100 members on RIU are underinsured at this very moment.
UncleBuck
Well-Known Member
i am the 1%.
cannabineer
Ursus marijanus
Thanks. I didn't pick up on the latter post supplanting and not supplementing the former. cn
fb360
Active Member
I'm not sure about Oklahoma, but in Joplin Missouri, there is no such thing as "tornado" insurance. You have damage to your home caused by a tornado, you are shit out of luck. We even had to pay for people to come cut a tree up that fell into our house. Not to mention we had to also pay for the damage sustained by the house. And we have full "environmental" coverage due to flooding etc etc.
I know that as fact.
Doer
Well-Known Member
Shit man.....you are an agreeable sumbitch these days....harvest time is here again....
If you don't have a million in liability umbrella....but, that's just the beginning. Self insurance, medical supplement fund.....you will need that, too.
So, don't make broad guesses that we can just shoot down? Only a fool goes out without a net.
Doer
Well-Known Member
Yeah, I found flooding to be the gray area. So many kinds of flood. Tidal flood from a hurricane is distinct from wind caused flood. Storm drain back up is different from simple ditch flooding into the home.
Now I live in earthquake zones, overlapping. forgetaboutit. It has to be insured although it is shit coverage at best. I'm doing a big retrofit of tie downs on the foundation to lower the rate and increase the coverage.
But, in FL, they, now, make you tie down the roof itself to the ground to get insurance.
