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Old 09-22-2009, 02:57 PM   #41
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oh crap. :( Is that yours Ben?
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Old 09-22-2009, 03:12 PM   #42
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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.
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Old 09-22-2009, 03:22 PM   #43
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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.
$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.
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Old 09-22-2009, 03:26 PM   #44
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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.
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Old 09-22-2009, 03:32 PM   #45
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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''+
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Old 09-22-2009, 03:50 PM   #46
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is that your car ben? wow


WTF who let that jew back in? Where have you been loki?
haha turns out they didn't cancel my account. I have been getting into motorcycles. In fact im trying to sell my set up and be done with miatas (until i get a NC supercharged) and bought a house which takes all disposable income and time.

Just coming back to see whats going on.
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Old 09-22-2009, 03:57 PM   #47
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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 ******* 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.
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Old 09-22-2009, 04:07 PM   #48
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Originally Posted by NA6C-Guy View Post
$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.
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.
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Old 09-22-2009, 04:46 PM   #49
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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.
It's about instant access to the accumulated total via risk pooling. Your example only works if you never have to make a claim.

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 *** I have flood insurance.
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Old 09-22-2009, 05:02 PM   #50
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It's about instant access to the accumulated total via risk pooling. Your example only works if you never have to make a claim.
I take it, then, that you also have volcano insurance?
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Old 09-22-2009, 05:16 PM   #51
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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.
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Old 09-22-2009, 05:36 PM   #52
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Quote:
Originally Posted by Ben View Post
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.
No, don't sell insurance, and probably will never have flood insurance. Just saying for someone who lives in an area that could possibly flood one day, $25 a month is cheap to cover your ***. I spend that much in 2 days on fast food. My land does flood, but my 1st floor sits 4' off the ground above a crawl space. My side yard gets 3'-4' deep in really heavy rains, and it comes under my house. To get to my floor it would have to rain 3 times what it did in ATL. So having insurance would be pointless.
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Old 09-23-2009, 02:17 AM   #53
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Well NA when your foundation washes out and, or your main support posts rot to nothing then you will be up **** creek without a paddle. In your case with as much flooding as you see i would def have flood insurance.
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Old 09-23-2009, 02:32 AM   #54
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Well NA when your foundation washes out and, or your main support posts rot to nothing then you will be up **** creek without a paddle. In your case with as much flooding as you see i would def have flood insurance.
Nah, I bet we have gone through 20-30 floods that have been under the house over the 22 years the house has been here, and no cracks anywhere on the block, no settling, its holding up. Plus we sit right on top of a massive limestone shelf. The foundation is pretty much right on top of it. It couldn't go far if it did decide to sink. I'm more worried about a sink hole opening and swallowing my house whole. We sit on top of a cave system, and have 2 sink holes in the yard that are car size and used to be pretty damn deep. We had a smaller shaft open a few years ago that you couldn't see the bottom of. I never worked up the ***** to explore it. We have a pretty extensive cave system a mile or two up the road. I'm guessing its part of the same system... under my damn house, lol. And on top of that, if that wasn't enough I live about 1/2 mile from an active limestone quarry where they blast pretty much daily. That has to do something to the soil. Makes the house feel like... well like a bomb just blew up in the ground 1/2 mile away I guess.
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Old 09-23-2009, 02:41 AM   #55
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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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Old 09-23-2009, 02:45 AM   #56
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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.
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Old 09-23-2009, 02:50 AM   #57
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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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Old 09-23-2009, 02:56 AM   #58
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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.
Yeah thats what I meant by junk. Gravel and branches, stuff to hold the concrete while it was setting up instead of it just running down the hole, possibly forever. Probably a good 2 or 3 bobcat buckets full poured in. Good enough to stop those damn kids from getting in my yard!
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Old 09-23-2009, 11:35 AM   #59
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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.
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Old 09-23-2009, 11:57 AM   #60
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I just heard it rained like 2' in the last few days.

I also heard you can buy really nice houses for really cheap.
And you can carry guns.


Water damage is appearing in my home. :( Looks like the roof leaked in a couple areas.
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