Posted on 06/13/2011 7:38:13 AM PDT by TSgt
No, fortunately I don’t know anyone who lives on such a low income that they couldn’t afford to cover their home. But I assume there are elderly folks who live in homes that have been paid off for years who can’t afford high insurance rates. I feel certain there are older ladies in Houston who live in flood zones who can’t afford flood insurance. We don’t have outrageous rates here because we don’t get hail like they do in North Texas or North from there, but comparing the rates I paid in Pennsylvania to Texas, I pay three times for my homeowners insurance here due to the risks of roof and window damage from storms here. I would guess Oklahoma and Kansas, Missouri, etc are higher than what we pay.
He would have been accused of being racist if FEMA had denied the application of black family whose home had been destroyed in tornado.
Obama came to the tornado ravaged areas (Missouri), hugged everybody, spouted that the administration would be “with them” until things were fixed, until the end. Go figure. He’s changeable as the wind, a real human tornado.
” accused of being racist if FEMA had denied the application of black family whose home had been destroyed in tornado.”
accused of being racist if FEMA had denied the application of black family whose home *was in the same state as* a tornado.
[fixed]
who the hell stands there like that?
I mean it must be an aswesome feeling being elected President, but I dont remember any one with class or dignity ever doing this (what, is he basking in his glory?)
The only one EVER that I saw look like this was Mussolini
I would not count too heavily on your homeowners insurance either. State Farm and BoA were equal pains in the butt. 2.5 years later, and I am still waiting for a final $7000 check. Try working with contractors with that kind of payout ‘speed’.
I just think I am wasting my money for FEMA flood insurance, $250 or so per year might as well take money and set fire to it, FEMA never pays....
Plus, if we didn’t flood during Hurricanes Alicia, Ike, Rita, Katrina, Bonnie, Dolly, Gustav, Allen, Jeanne, Danielle, Norma, Barry, Waldo, Juan, Pain, Chris, Roslyn, Beryl, Gilbert, Chantal, Jerry, Lester, Dean, Ismael, Charley, Arlene, Bertha, Fay, Erika, Claudette, Grace, Marty, Matthew, Ivan, Emily, Delia, Carmen, Caroline, Anita, Amelia, Lane, John, Alex, Elena, Hermaine, Erin, Humberto, Edouard, Ida or Trop Storms Allison & Claudette & Gabrielle, we probably won’t ever flood.
If we ever do, I am LEAVING and moving to retirement home closer to Austin where the kids are.
(those were the only hurricane names that have hit Texas since we moved here in 1973, there may be more. I can’t believe how many of these I actually remember. I guess when they are showing your town on the nightly news with a huge hurricane heading your way, you remember.)
I was talking to my insurance agent and he said that insurance doesn’t pay at all unless you rebuild. Unless it is a fire, then they do pay, IF NOT ARSON, of course. He said to get any money you must repair or rebuild the home. You can’t just get the insurance pay out and move someplace else. You must rebuild your home to get any money. It is such a racket. I have always said if my house is ever destroyed I will MOVE! I won’t want to remain here. Plus we are retiring some day and will be moving closer to the kids.
So what do the people do if insurance won’t pay for their destroyed homes. What does Obama have planned for that area that was destroyed in Joplin???????????
A government that taxes (takes)? everything from you to do everything for you is no longer a servant but a master. Over time more and more of the money stays in the hands of bureaucrats and crony capitalists and you starve.
Well DUH - they’re not Holder’s people. They don’t deserve help. They just deserve to be taxpayers so that “the right people” can get help.
If the government is going to be the insurer of last resort, and I’m not saying that it should be, then the criteria for coverage needs to apply equally to all. If these folks were the right skin color, you can bet that they’d already be out there building them a new McMansion.
I was talking to loan officer at our bank about insurance, etc. She said a lot of elderly people are underinsured. They don’t realize it until they have a fire, etc., and home is destroyed. Paid off house many years ago and didn’t increase insurance coverage to what it would cost to repair or rebuild home. She said it can cost $100K just to clear off the lot after a home is destroyed. You can get current rebuilding/repair costs from your local insurance agents.
Just how often? One in ten? One in 100? One in 5?
You might want to check and make sure you aren’t in a flood plain. I’ve lived in this house for more than a decade and the flood plain came to me.
Fortunately my congressman is pushing to halt the mandate that insurance companies use faulty FEMA flood plain maps. This spring he came to my house with a surveyor and took some measurements. They found my house to sit more than 6 ft above the dam and nearly 3 feet higher than the house next door which oddly isn’t in the flood plain.
I already checked and we are not in a flood plane. Bought first house here 1975 not in flood plane and never flooded. Bought this house 1987 not in flood plane. I already checked when I talked to my insurance agent last year and again this year. I stay on top of insurance. We are at highest point in this area. Plus this area has never flooded at least since we moved here 1973. If you are in a flood plane and have a mortgage you have to buy flood insurance - since we aren’t in flood plane - we don’t have to buy it. I got it after Katrina, but have never needed it.
that’s what they’ll be doing to your healthcare claim after 2013...
Thanks buffy - I think Graybeard was probably thinking about other situations and not that of the elderly living on very fixed incomes. Even my own grandmother, who wasn’t wealthy but certainly not poor, didn’t carry enough insurance to rebuild her home if it had burned or been destroyed by a storm. She just couldn’t imagine it taking that amount of money to rebuild. Fortunately she didn’t ever have any reason to make a claim.
Thanks for letting me know that.
They, too, should carry insurance.
That picture: Arrrrgh! Every time I see it I get riled. It’s the most telling of all his photos — the arrogance!
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