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No I have a blue NB. It's some other poor atl-ien's. Pic was on a local forum.
$200-300 for flood insurance sounds like an awful lot to me. My homeowners policy is only like $450/yr. |
Originally Posted by Ben
(Post 457628)
No I have a blue NB. It's some other poor atl-ien's. Pic was on a local forum.
$200-300 for flood insurance sounds like an awful lot to me. My homeowners policy is only like $450/yr. Even at that cost, even one flood in your lifetime with $30k in damage would MUCH MORE than make up for the cost. |
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This is why we are having a few problems... note the yellow, reds and purples. It was much worse yesterday when it included 9/18 rainfall totals. Also, it rained here all week last week..so add 2-6" on top of those totals since last monday. One of our local lakes (Allatoona-not a small lake) incread by 6.5' (yes..FEET) just yesterday alone.
My house is right under some of that light purple. |
Between Alabama, Georgia and Mississippi, over the last 7 days, 75% with 4''-6'', 50% with 6''-8'', 35% with 8''-10'', 20% with 10''-15'', and something like 15% with 15''-20'', 5% with 20''+..... The SE in general got pretty wet.
Keep in mind the September monthly average for this region is only like 5''. So over half of us got more than our monthly rainfall in a week. 1/5 of us got 2-3 times the monthly amount. The lucky 5% for more than 4 times the monthly average. Throw in Arkansas and the % go up even more, since the entire state pretty much 6''+ |
Originally Posted by magnamx-5
(Post 457600)
is that your car ben? wow
WTF who let that jew back in? Where have you been loki? Just coming back to see whats going on. |
Great. Now everybody in Atlanta has a waterfront house for sale.
The local Tampa news at lunchtime showed "The Great American Scream Machine" at Six Flags underwater and showed what I think was I-20 underwater. The morning news showed small roads with 4 to 6 feet of water rushing over them and told several stories of idiots driving into water rushing across roads and being lost with no trace yet. Also one 5 yr old kid was lost because the parent was a fucking moron and tried to go where they shouldn't have. Also they reported one guy in Alabama bet $5 that he could swim to the other side and was lost. They didn't report if he said "Hey, watch this!" or not. Probably actually said "Hold my beer." You guys stay safe. I just looked online and Alatoona is the only Georgia Power controlled lake in Georgia that is over full level. And it is being reported at 10 feet above full. That, kids, is quite a lot for that huge lake. Remember all of that water is headed towards the gulf. A lot of destitute little towns in the flatlands of South Georgia and Southern Alabama are about to get screwed bigtime. Some don't have any high ground. I remember Alberto flooding the Flint River, Lake Blackshear, and Albany back in 1994. The 9000 acre lake went from full to flooded by 16 feet in 4 hours. And the riverside cemetery in Albany was carved away by water and caskets were floating down the river. After the hydroelectric dam burst on Lake Blackshear the river went up over 25 feet in Albany for a time. Seriously, be careful. |
Originally Posted by NA6C-Guy
(Post 457647)
:confused: $25 a month to avoid possible $30,000-$50,000, or more worth of flood damage..... mk
Even at that cost, even one flood in your lifetime with $30k in damage would MUCH MORE than make up for the cost. Homeowner's covers a huge lot of potential risks. Flood insurance covers one rarely occurring specific disaster at (using your numbers) a 50% premium. Sounds like a poor investment to me. Take a different scenario. Put $25/mo into savings. Do so every month during your working career. At retirement time, you'll have $30k cash to do with as you please. That's a good investment. |
Originally Posted by Ben
(Post 457683)
You must sell insurance.
Homeowner's covers a huge lot of potential risks. Flood insurance covers one rarely occurring specific disaster at (using your numbers) a 50% premium. Sounds like a poor investment to me. Take a different scenario. Put $25/mo into savings. Do so every month during your working career. At retirement time, you'll have $30k cash to do with as you please. That's a good investment. Now let's say you buy coverage, pay only two or three premiums and lose everything in a flood for which you were covered. At that point, even though you are only in for less than $100, you are still covered for the whole amount, something you won't get with conventional savings. It's all about how comfortable you are with risk. I live in SE Louisiana, so you bet your ass I have flood insurance. |
Originally Posted by Trent
(Post 457713)
It's about instant access to the accumulated total via risk pooling. Your example only works if you never have to make a claim.
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OMG ATL is flooding and people are dying! Why isn't the federal government stepping in and putting a halt to the carnage?!? There are white people living in ATL! President Obama must hate white people! [/sarcasm]
This brings back memories of when I was in Houston during TS Allison. 59 was under about 20 ft of water, the medical center was flooded with tens of thousands of research animals drowned (mostly mice) and the streets in front of my condo ran brown with the sewage of nonbelievers. Good times. |
Originally Posted by Ben
(Post 457683)
You must sell insurance.
Homeowner's covers a huge lot of potential risks. Flood insurance covers one rarely occurring specific disaster at (using your numbers) a 50% premium. Sounds like a poor investment to me. Take a different scenario. Put $25/mo into savings. Do so every month during your working career. At retirement time, you'll have $30k cash to do with as you please. That's a good investment. |
Well NA when your foundation washes out and, or your main support posts rot to nothing then you will be up shit creek without a paddle. In your case with as much flooding as you see i would def have flood insurance.
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Originally Posted by magnamx-5
(Post 458015)
Well NA when your foundation washes out and, or your main support posts rot to nothing then you will be up shit creek without a paddle. In your case with as much flooding as you see i would def have flood insurance.
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I feel ya on that sinkholes aplenty around us as well luckily none on our property though the abundance of trees helps that alot imo
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I think the rain actually helped the largest one in the center of the yard, which is the deepest part when it floods. Popped up about 10-12 years ago after a hard rain. Started out about 10' across and about 25' deep, and is now only about 12' across and 8-10' deep. Neighbors like to dump unused gravel and that type of thing into it. I'm scared that at any time half of my house could suddenly be hanging off a 15' deep hole. We do have several 50 year old Oak trees around the house though, so like you said the roots probably play a role in keeping the soil from washing out.
That small hole was awesome though. Just large enough to fit into, and the roof and floor were limestone. I guess the space between 2 large shelves washed out. It went down at about a 45 degree angle. One of my neighbors didn't think it was safe for kids and filled it with junk and concreted over it... I guess thats for the best. |
actualy filling it with junk is hella bad cause it goes direct to your water table. The concrete is up in the air yeah its solid but i dont know if it wouldnt accelrate the growth or the hole. Gravel and other biodegradeable stuff like tree limbs are FTW when sink holes are the subject keeps people from falling in and builds the fill naturally instead of artificialy like the concrete.
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Originally Posted by magnamx-5
(Post 458028)
actualy filling it with junk is hella bad cause it goes direct to your water table. The concrete is up in the air yeah its solid but i dont know if it wouldnt accelrate the growth or the hole. Gravel and other biodegradeable stuff like tree limbs are FTW when sink holes are the subject keeps people from falling in and builds the fill naturally instead of artificialy like the concrete.
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Originally Posted by Ben
(Post 457161)
Just curious if it's making news.
I just heard it rained like 2' in the last few days. I also heard you can buy really nice houses for really cheap. |
Originally Posted by Braineack
(Post 458116)
I just heard it rained like 2' in the last few days.
I also heard you can buy really nice houses for really cheap. Water damage is appearing in my home. :( Looks like the roof leaked in a couple areas. |
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