drakethib said:
I find your statements pretty offensive.
While I agree with your statement on people need to be prepared and there are some techinques that will aid helping prepare your home for a hurricane, you will not stop the wrath of mother nature.
What your saying is that the Gulf and East Coast should be vacated.
We also need to vacate the mid west because of tornados, no one can live in the mountains becuase of a possible avalanche, better not live on a hill because of errosion and a possible mudslide. I am not sure where the US is going to fit everyone.
No, I did not say that. I said that you should not live in a tidal surge zone or a flood zone. Other countries have established tidal surge setback lines that prohibit residential construction seaward of those limits. It's just common sense.
Yes, you can take appropriate steps to help armor your house against many natural disasters, but flooding is not defensible. You must stay clear of flood zones. Many houses have storm shelters (remember the Wizard of Oz?) to help survive tornados. In short, there is plenty of space to build houses in the U.S. in safe areas.
Am_I_There_Yet said:
These people lived where generations before them lived. Those levees failed because of humans, not because of the storm.
Indeed, and humans will fail to maintain the levees in the future as well. Do you want to bet your life on those levees? Also, prior generations have made some very poor choices in locations for residential housing and NO is a great example of that point.
Am_I_There_Yet said:
This is totally false. The city of Houston has purchased so many homes because of Tropical Storm Allison, it's not even funny. Flood plains change - you can't predict when an area will flood because of new neighborhoods/construction.
Yes, you can predict flood zones. Perhaps the city of Houston is admitting their guilt in not passing or enforcing proper zoning laws to ensure adequate drainage? I really don't know.
Local governments issue permits for new development. As part of the permit process, the developer needs to be held responsible for any increases in flood potential and required to provide proper drainage to control the problem(s). Perhaps Houston has bad zoning laws? Again, I don't know.
Am_I_There_Yet said:
Plus that, those in Flood Zone A have to purchase insurance if their homes are mortgaged. They know what they're doing.
No, they don't know what they are doing most of the time. The National Flood Insurance Program is administered by FEMA. They are in the hole, big time.
Am_I_There_Yet said:
No amout of bracing will stop a tree from falling. Should those be cut down too?
Yes. If those trees pose a potential danger to a house, they should be trimmed back or cut down to eliminate that danger. It's easy to do for most trees. However, big old oak trees do pose a challenge. However, your point is well taken. I too see a lot of very poor (i.e.hazardous) landscaping in residential yards
Am_I_There_Yet said:
Wow. I hope that makes you proud.
If you can't have sympathy for those who've lost everything and have no prospect for ever getting it back, then you have my sympathy.
There is NO part of this country that is immune to a natural disaster. You'd better hope that when/if it happens to you, or someone that you care about, that there are people out there who are sympathetic to your situation.
Well, I don't feel proud at all. I feel victimized. I have to pay for the mistakes of people that didn't build their houses properly. Remember the story of the 3 little pigs?
2004 HURRICANE SEASON CONTINUES TO CHALLENGE FLORIDIANS
Consumers will pay to bail out Citizens Insurance Corp. Citizens, the state sponsored insurance carrier, reportedly incurred some $2.4 billion in hurricane claims, which left its treasury $516 million short. This deficit will be paid by an assessment on every other homeowners policy sold in the state.
The irony of the assessment is that every policy holder in the state of Florida except policy holders with Citizens Insurance will be assessed to make up for the inadequate rates charged by Citizens.
The assessment is not going to make anyone happy. Those persons who pay the assessment are upset about paying for losses sustained by other insured policies and the persons insured by Citizens are going to be angry with the new rates that have to allow for a similar season.
Citizens request came to light just as State Farm, Floridas largest insurer, asked state regulators for permission to raise homeowner insurance premiums statewide by an average of 8.6 percent. Some counties will exceed the percentage. In Palm Beach County and the Treasure Coast, both hit hard during last years storms, State Farm has asked for rate increases that will amount to as much as 34.5 percent. Its State Farms second rate hike request since December, when the company asked for and received a five percent premiums increase.
Allstate Insurance and Nationwide Insurance also have asked for significant rate increases. The Florida Department of Insurance granted a 21 percent hike for Nationwide and a 26 percent increase for Allstate Floridian.
Even with the increased rates, Allstate, the No. 3 writer of homeowners insurance in Florida has decided to stop writing homeowners policies in the state and has notified the department of insurance that it will not renew 90,000 policy holders (see HP, Summer 2005, page 6).
Nationwide released a report saying that it will no longer sell new policies in Florida as of September 1, and is considering dropping up to 30,000 homeowners statewide.
This revelation follows on the heels of an announcement in which the company indicated it would not write new policies in Florida after September 1. Nationwide becomes the seventh company to announce it is leaving Florida, or not writing new policies in the state since last years devastating hurricane season.