Just pointing about a factual inaccuracy. It was a stupid statement and not relevant at all to the current conditions on the ground in Houston.

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You're no fun
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I don't believe you can classify an area as "hurricane prone." Next is "tornado prone," "earthquake prone," "blizzard prone," drought prone..."

Now those fuckers who keep building houses along rivers that flood year after year, then ask for flood assistance? Those are the people you cut off.

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Sure you can. Insurance companies do it all the time. They know the chance of natural disaster down to zip code.

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You do not talk to me like that! I work too hard to deal with this stuff! I work too hard! I'm an important member of the CSFMB! I drive a Dodge Stratus!

Maybe not for three of those, but you absolutely can accurately classify huge swaths of Oklahoma, Texas, and Kansas as "tornado prone."

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29 "FUCK"s on page 5. Not bad.

Thats close to half as many times the word and its variations are used in 'Pulp Fiction'

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You forgot to wish him a blessed day.

Yup.

Some pudwack in the Daily Herald last month was complaining about his house in Gurnee flooding for the 3rd or 4th time in the past 10 years. The government wasn't doing enough to help.

Hey shithead...how about MOVE.

He probably hadn't purchased flood insurance, either.

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I think you can safely classify Houston as hurricane prone.

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Reality is your friend, not your enemy. -- Seacrest

Did you just take a bunch of crayons to a map of the U.S.?

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I got it from....get this.....the Houston Chronicle from 2015.

Check out the slide show: http://www.chron.com/news/houston-weath ... to-8061156

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Reality is your friend, not your enemy. -- Seacrest

It's amazing to see how much the costs of solar have fallen in the last decade, how many jobs have been created in renewable energy, yet one of the big things being discussed is how much the cost of fuel is going to rise as a result of this climate change event.

But the republican party doesn't want to talk about it.

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There are only two examples of infinity: The universe and human stupidity and I'm not sure about the universe.

The Flood Insurance Program is going to be extremely stressed after this event and will need a major bailout. It will be interesting if they finally start charging actuarial determined rates. If they do, folks in those recurring flood zones will have to decide if it's worth living in flood prone areas. But I suspect the political winds will force the rest of us to continue to subsidize homes built on drained swamps and watersheds.

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Hawaii (fuck) You

I've heard Flood insurance is very expensive, most people can't afford to carry it.. The people who can afford it are smart enough to not build in low lying areas.

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Yeah it's not a cheap purchase. If you're in a flood zone, it is going to flood at recurring intervals, and water does a lot of damage. Unfortunately, the National Program does not charge the rates required to make the insurance self sustaining. It already needed a bailout and revamp, and now it is going to be in very bad shape. I hope they do the right thing, which is to pay all those claims quickly for people that bought insurance and start to phase in the increases required based on actuarial determined rates. If memory serves, Sandy stalled progress on charging the proper rates.

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Hawaii (fuck) You

Gas is not up by me.

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Elections have consequences.

So correct me if I'm wrong, if the damage had been sustained via the hurricane force winds, their homeowners would have covered it? But because it was the actual flood waters, basic homeowners doesn't cover it?

i am in SCOTSDALE? lol

OF COURSE these people are idiots. You live near the ocean,,,and then are SHOCKED when a BIG ASSHURRICANE comes in and floods you? that is like me getting surprised by a WRIGLEYVILLE snowstorm in january?

Buy a boat,,,get to high ground,,,clean up when the water receedes. SIMPLE!

Why wasn't it charged properly in the first place? Out here there is an issue I think is similar. There are a lot of old mines. When you buy a home it must be determined if it is over an old mine and if so you must buy protection if there is a risk. Somehow this all gets flushed out and done at title/closing time. Why aren't the mortgage banks and title companies demanding this gets addressed properly before they outlay for a home in a flood zone?

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Elections have consequences.

I had to buy the mine provision...but it was super cheap. It was recommended by my State Farm agent, but not enforced by my mortgage company.

I have a buddy that lives in Houston, and also works for one of those touted petro chemical corporations One Post touched on...

Him and I played Diablo 3 last night. He, his wife and his kid aren't leaving the house to go do anything... but he doesn't paint a picture of Houston being completely fucked. He mentioned he may even go into the facility today. Much of the Houston area is fine / recovered.

My buddy lived in NOLA as well (he moves around as his Fortune 100 needs him), so he understands flood risk and made sure he purchased a house that had low flood risk, per FEMA maps available online.

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Rick Hahn is the best GM in baseball.

Congrats to your responsible buddy.

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Elections have consequences.

And like health insurance, and auto insurance in most states, I don't see why flood insurance can't be mandatory for those that live in flood risk areas (Which are, as pointed out, clearly marked.) Houston is known for having an extremely cheap cost of living while salaries are actually pretty strong. They can afford to pay a little more. After all, they bought a beautiful 4 BR, 3 BA home for only $245,000.

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Rick Hahn is the best GM in baseball.

Insurance for any home is only required where there is a loan in place. The lender requires it. But like anything you own, there is never a requirement to insure something. For people that live in flood zones and have uninsured homes, they will not be reimbursed.

As for auto insurance, the required purchase is only for liability. There is no requirement to insure your own car unless you have a loan or lease on it.

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Hawaii (fuck) You

Correct across the board, most notably the fact that a flood zone is going to flood at recurring intervals more or less ... it isn't like buying Earthquake insurance in Illinois were maybe it will but probably not ... floods come and that's just all there is to it.



I would have expected these folks' lenders to MANDATE that these people pick up a Flood policy as part of their loan agreement - no flood policy, no loan. Of course, if these properties were paid-off or purchased w/out needing outside $, then of course that wouldn't have been part of the purchase ... I couldn't guess as to a percentage of joints that would've been acquired w/out lending assistance though.

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Power is always in the hands of the masses of men. What oppresses the masses is their own ignorance, their own short-sighted selfishness.
- Henry George

I understand all of this. But having your home flood and not being able to take care of it yourself...you are now a liability to society. Insurance exists to mitigate risk to yourself AND others.

I know you don't like the sound of that, with your views. But people need to be forced to take better care of themselves so that they don't negatively impact those around them.

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Rick Hahn is the best GM in baseball.

Correct. It's always an area of contention with hurricanes. Katrina was when it became a huge deal. Basically, companies have to send out engineers to determine what happened first... and technically, if the wind and water happened concurrently, there is no coverage under the homeowner's policy, either. However, in reality, that's rarely enforced and some states don't even allow it to be enforced.

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Homeowners insurance is such a fucking ponzi scheme for the insurers....they don't lose that big on hailstorms consider most people have a 1K+ deductible. They only really have to pay on total loss fires, and how often does that happen now? Especially with modern homes and two Taj Mahal-like fire stations in every suburb.