The whole thing sucks. I know, we had people living along the rivers that would get flooded every year. The flood insurance was government issue and we helped pay for it every time. They eventually bought them out and sent them packing.
Florida Hurricane
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And right after dropping your insurance, something will happen that will totally destroy one of those properties. You have a better chance of a fire than a storm taking it away. Yeah, I'm too close to the coast but been in this area (within just a few miles of my teenage home and a few more miles of my first house) and have not had any damage except for my first house got flooded during a tropical storm and that happened 2 more times. No storm surge but poor drainage for that area and the amount of rain. Sold that dang place and been in this home since 84 and so far, no damage and no flooding and yet my insurance goes through the roof this year. And beach front property owners have been paying through the nose for insurance for many years now.....same thing with property taxes. And lots of them with beach houses do not have homeowners insurance because it's basically a beach hut on stilts.
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torredcuda
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People keep building homes and living in areas KNOWN to flood, have exposure to hurricanes, landslides etc. and everyone is shocked when they are wiped out. I understand some are a lot worse than most but this is a yearly occurance in Florida. I hate winter and everyone says "move to Florida, you`ll love it here" - uh NO thanks.
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We got the report from my wife's park in Ft Myers, and no serious damage there, with only her car cover being shredded. The Beach area had about a 5' surge, but rescinded nicely, so cleanup should go well, compared to Ian's havoc...
I have friends that play that game with condos in Florida, houses on the river and yes, it gets old paying for people who know how to game the system. We live in a world that carries millions of people for mistakes they make and are in too deep to fail, so the government steps in with our money to fix their problems. One person's late on his houses payment, they take it. Several million people late on their house payment and the government steps in, too much pain to bear.
Self-insured is a big move and unless you have no dependents, double wage earners in the family and enough money set aside to pay if something REALLY went wrong, stop thinking about it. There's never enough money in our world to set aside to take care of multiple disasters, selling one to pay for the other is what will happen. Throwing the dice is what I do, but a man has got to know his limitations and I do.......... Before I'd self-insure in Florida, I'd move. I live in the middle of this country, and it's for good reasons. When I retired, we could have moved anywhere, but didn't. My first choice was San Diego, 15 years ago it sounded great, today, you have got to be kidding me. You may live there now, but not many are moving there now. I'm one of the most positive people alive, but I'm starting to lose that. If I can't totally control it, I don't own it anymore ............ I'm down to one home and it's only 1736 square feet and it's in hooterville.
My homeowners insurance has doubled in the last three years because of all this bullsh**t. I could self-insure ONE home here, but it's never going to happen, I like my stuff to much.
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YY1
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We are already partially self insured.
We never put full coverage on our cars, and have the highest deductibles and lowest replacement values on all policies on everything.
It has worked out great.
The "pile of money" set aside to cover emergencies and expenditures just keeps growing and growing.
IMO- better me to manage that pile than to beg a carrier to pay a claim in the event something happens.
We never put full coverage on our cars, and have the highest deductibles and lowest replacement values on all policies on everything.
It has worked out great.
The "pile of money" set aside to cover emergencies and expenditures just keeps growing and growing.
IMO- better me to manage that pile than to beg a carrier to pay a claim in the event something happens.
That's one way of looking at it. I don't do houses anymore, to much baggage for this old man. If I can't afford to be fully in play and covered, it's a suckers bet at my age. I don't diversify anymore outside of the "pile of money". I'm sure you have your situation well under control.
6 days without power, 7 days without internet, stupid pine tree went through the front of our garage partially taking out the front/right roof and our 220v box I paid $500 to have installed separate from the power company. I don't recommend riding out hurricanes especially when the eye of it goes directly over you. Heard the town 30 minutes from us looks like a nuke went off.
SteveSS
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When hurricanes become a national disaster every couple of years it gets old with the taxpayers from everywhere else having to bail them out. You chose to live there, take the responsibility! It seems politicians are in a contest over who can throw the most taxpayer money at their problems. When my roof and car get totaled by hail I don't ask the coastal areas to pay for it, so that it can happen again.
I pay for my own insurance and deductibles, not the government.
I pay for my own insurance and deductibles, not the government.
Because the people who live in those areas and got hit by the storm don't also pay taxes. I'd rather tax money go to help Americans rather than being sent overseas by the boatload or given to illegal street shitters.
wahya
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Back in 2004, we were without power for three weeks and had just got the power back on and got hit by another hurricane. That time we were only out for a little over a week. Low electric bill but used up a lot of gas on the generator.
Oh, and btw it ain’t over for Florida. Gulf is getting active again. Water is still warm. Stay tuned.
A month without power would definitely suck but good thing you had a jenny which is one thing we lack right now. Hurricane season isn't over yet and they said earlier this year it was expected to be one of the worst seasons. Could have been worse for us for sure and can only imagine what those who lost everything are going through. Grew up in Orlando from '87 and have seen a few bad ones as well.
I don't do giveaways, period. It all needs to stop.
I hate taxes as much as the next guy but at the moment, while they are indeed taking them under duress, not 1 red cent should go overseas as Americans are suffering. The people should be allowed to keep all of their money earned through labor and/or intellectual property that's lead to creation and enterprise. The point I was making was the people who got hit by the hurricane pay taxes too so it's essentially wanting their own money back in a time of actual need.
In times of need, that's everyday. I'm not going to get into supporting countries that support us, but we feed more people in this country than we really have the money to do. I get your point, but I'm also tired of paying for bad life choices made by others, and then I get to come in and clean up their mess. This is bad, you're right, but I don't believe this is near over and I can only support so many people. I don't do cradle to grave.......... I don't hate taxes, the more I pay, the more I made, fair is fair. Everyone has a story, we could do this all day.
I pray for all the people affected by this!
It's a natural disaster lol. That's not a everyday occurrence. I couldn't care less about getting any assistance personally but the problem now is the Government not doing anything actionable and blocking private citizens in some cases to render aid. The only reason they even allowed what they have so far is because of the backlash and big names like Elon Musk speaking out about it. I also won't get into making this political as it's the general thread but I can't think of one single thing those foreign countries have ever done for me as an American citizen.
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Hurricane damage on the seashore is one thing. People whose houses are built on ******* sand dunes, is one thing.
These, are people living in the mountains. This, is way out of the ordinary - and this is EXACTLY what FEMA is supposed to be for.
California fires? Preventable or at least able to be mitigated, with human interaction - clean up the ******* forests. Get deadfalls out. Get debris out. Remove the loose stuff that burns.
Oceanfront housing damage can be preventable - stop issuing build permits on ******* sand dunes. By definition, those areas are AT SEA LEVEL - don't let people compound the issue. If they build on sand? No coverage. Good luck.
Even the Bible figured out - 'houses built on sand' and all that.
But to penalize people in the mountains for something NOBODY could foresee? That's just cold.THEY should get our help - not that ****** in Ukraine.
Except that ****** in Ukraine is laundering money for all the bad actors in the Deep State....so he gets priority.
So do you agree or not. I totally agree. I never said anything about people who need help in a one time disaster. Be careful how far you open the door, the bad comes in with the good. Who redid your rental, YOU. Given an opportunity, some would rather we fix it.
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