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Did I Just Get Lucky?????? #4504708
09/01/17 06:03 PM
09/01/17 06:03 PM
Joined: Jul 2015
Posts: 3,772
MD
AirgunSavant Offline OP
AirgunSavant  Offline OP
Joined: Jul 2015
Posts: 3,772
MD
Watching the Texas tragedy.......
A subdivision of houses 4 to 5 feet deep water in the front lawn.
A very sickening sight. Most don't have flood insurance and if they did it is about bankrupt anyways.

But wait. One house is on fire and no one can do anything but watch it burn.
Did this homeowner just get lucky???? It burned didn't it????? Will their insurance now pay for the loss????

Re: Did I Just Get Lucky?????? [Re: AirgunSavant] #4504719
09/01/17 06:15 PM
09/01/17 06:15 PM
Joined: Dec 2006
Posts: 70
saginaw michigan
saginawmale50 Offline
saginawmale50  Offline
Joined: Dec 2006
Posts: 70
saginaw michigan
Should federal flood insurance pay to rebuild houses in a flood plane over and over again? USA today had an article that some people have built their homes over and over again many time the value of the home.

Re: Did I Just Get Lucky?????? [Re: AirgunSavant] #4504722
09/01/17 06:16 PM
09/01/17 06:16 PM
Joined: Jan 2009
Posts: 6,171
New England
gathermewool Offline
gathermewool  Offline
Joined: Jan 2009
Posts: 6,171
New England
I thought this thread was going in a whole other off-topic direction1 Coffee2

In all seriousness, I guess it would depend on the cause of the damage.

Insurance: Lucky for you, Mr. AirgunSavant, the flood water prevented the house from burning down completely. Good news! As soon as you rebuild the entire house (which was destroyed by flood waters) we'll cover the cost of a new roof for you!


'14 Forester XT (Cobb Stage 1)
Edge 0W-40 + FU filter
'15 Legacy 2.5i (OEM Stage -7)
Edge 0W-20 + FU filter
Re: Did I Just Get Lucky?????? [Re: saginawmale50] #4504723
09/01/17 06:16 PM
09/01/17 06:16 PM
Joined: Dec 2006
Posts: 70
saginaw michigan
saginawmale50 Offline
saginawmale50  Offline
Joined: Dec 2006
Posts: 70
saginaw michigan
Its like when the Coast Guard rescues people from a capsized ship, they dont then buy the owners a new ship.

Re: Did I Just Get Lucky?????? [Re: saginawmale50] #4504724
09/01/17 06:17 PM
09/01/17 06:17 PM
Joined: Jul 2015
Posts: 3,772
MD
AirgunSavant Offline OP
AirgunSavant  Offline OP
Joined: Jul 2015
Posts: 3,772
MD
Originally Posted By: saginawmale50
Should federal flood insurance pay to rebuild houses in a flood plane over and over again? USA today had an article that some people have built their homes over and over again many time the value of the home.


I have no issue with your comment but that was not the jist of my post.
Its was since it burned will their homeowners policy pay...

Re: Did I Just Get Lucky?????? [Re: gathermewool] #4504726
09/01/17 06:19 PM
09/01/17 06:19 PM
Joined: Jul 2015
Posts: 3,772
MD
AirgunSavant Offline OP
AirgunSavant  Offline OP
Joined: Jul 2015
Posts: 3,772
MD
Originally Posted By: gathermewool
I thought this thread was going in a whole other off-topic direction1 Coffee2

In all seriousness, I guess it would depend on the cause of the damage.

Insurance: Lucky for you, Mr. AirgunSavant, the flood water prevented the house from burning down completely. Good news! As soon as you rebuild the entire house (which was destroyed by flood waters) we'll cover the cost of a new roof for you!


The house is gone... Nothing left but the foundation.

Re: Did I Just Get Lucky?????? [Re: saginawmale50] #4504728
09/01/17 06:21 PM
09/01/17 06:21 PM
Joined: Jul 2015
Posts: 3,772
MD
AirgunSavant Offline OP
AirgunSavant  Offline OP
Joined: Jul 2015
Posts: 3,772
MD
Originally Posted By: saginawmale50
Its like when the Coast Guard rescues people from a capsized ship, they dont then buy the owners a new ship.


That analogy is not comparable.

Re: Did I Just Get Lucky?????? [Re: AirgunSavant] #4504729
09/01/17 06:21 PM
09/01/17 06:21 PM
Joined: Sep 2015
Posts: 1,523
USA
mk378 Offline
mk378  Offline
Joined: Sep 2015
Posts: 1,523
USA
They will say that the house was already destroyed by flooding before the fire. Thus there is no loss.

Re: Did I Just Get Lucky?????? [Re: AirgunSavant] #4504731
09/01/17 06:25 PM
09/01/17 06:25 PM
Joined: Jan 2009
Posts: 6,171
New England
gathermewool Offline
gathermewool  Offline
Joined: Jan 2009
Posts: 6,171
New England
Originally Posted By: AirgunSavant
Originally Posted By: gathermewool
I thought this thread was going in a whole other off-topic direction1 Coffee2

In all seriousness, I guess it would depend on the cause of the damage.

Insurance: Lucky for you, Mr. AirgunSavant, the flood water prevented the house from burning down completely. Good news! As soon as you rebuild the entire house (which was destroyed by flood waters) we'll cover the cost of a new roof for you!


The house is gone... Nothing left but the foundation.


Before or after it was destroyed by flood waters?


'14 Forester XT (Cobb Stage 1)
Edge 0W-40 + FU filter
'15 Legacy 2.5i (OEM Stage -7)
Edge 0W-20 + FU filter
Re: Did I Just Get Lucky?????? [Re: AirgunSavant] #4504733
09/01/17 06:26 PM
09/01/17 06:26 PM
Joined: Jan 2009
Posts: 6,171
New England
gathermewool Offline
gathermewool  Offline
Joined: Jan 2009
Posts: 6,171
New England
Originally Posted By: AirgunSavant
Originally Posted By: saginawmale50
Its like when the Coast Guard rescues people from a capsized ship, they dont then buy the owners a new ship.


That analogy is not comparable.


Yea, I don't get it.


'14 Forester XT (Cobb Stage 1)
Edge 0W-40 + FU filter
'15 Legacy 2.5i (OEM Stage -7)
Edge 0W-20 + FU filter
Re: Did I Just Get Lucky?????? [Re: gathermewool] #4504735
09/01/17 06:27 PM
09/01/17 06:27 PM
Joined: Jul 2015
Posts: 3,772
MD
AirgunSavant Offline OP
AirgunSavant  Offline OP
Joined: Jul 2015
Posts: 3,772
MD
Originally Posted By: gathermewool
Originally Posted By: AirgunSavant
Originally Posted By: gathermewool
I thought this thread was going in a whole other off-topic direction1 Coffee2

In all seriousness, I guess it would depend on the cause of the damage.

Insurance: Lucky for you, Mr. AirgunSavant, the flood water prevented the house from burning down completely. Good news! As soon as you rebuild the entire house (which was destroyed by flood waters) we'll cover the cost of a new roof for you!


The house is gone... Nothing left but the foundation.


Before or after it was destroyed by flood waters?



The truth? During, not funny but true. I'm wondering if the homeowner torched it???

Re: Did I Just Get Lucky?????? [Re: mk378] #4504736
09/01/17 06:28 PM
09/01/17 06:28 PM
Joined: Jul 2015
Posts: 3,772
MD
AirgunSavant Offline OP
AirgunSavant  Offline OP
Joined: Jul 2015
Posts: 3,772
MD
Originally Posted By: mk378
They will say that the house was already destroyed by flooding before the fire. Thus there is no loss.


No doubt!!!

Re: Did I Just Get Lucky?????? [Re: gathermewool] #4504738
09/01/17 06:33 PM
09/01/17 06:33 PM
Joined: Dec 2006
Posts: 70
saginaw michigan
saginawmale50 Offline
saginawmale50  Offline
Joined: Dec 2006
Posts: 70
saginaw michigan
Once the federal government rescues everyone, how is it that the taxpayer should help to rebuild those that did not have flood insurance? If I get flooded, Im pretty sure I dont get free anything if I dont have insurance.

Re: Did I Just Get Lucky?????? [Re: saginawmale50] #4504741
09/01/17 06:36 PM
09/01/17 06:36 PM
Joined: May 2014
Posts: 1,231
Minnesota
philipp10 Offline
philipp10  Offline
Joined: May 2014
Posts: 1,231
Minnesota
Originally Posted By: saginawmale50
Once the federal government rescues everyone, how is it that the taxpayer should help to rebuild those that did not have flood insurance? If I get flooded, Im pretty sure I dont get free anything if I dont have insurance.


What makes you think the feds will pay to re-build a home that did not have flood insurance. They won't.... the most they will do is offer SBA loans.

Last edited by philipp10; 09/01/17 06:37 PM.
Re: Did I Just Get Lucky?????? [Re: AirgunSavant] #4504742
09/01/17 06:36 PM
09/01/17 06:36 PM
Joined: Feb 2013
Posts: 10,682
Phoenix, AZ
Nick1994 Offline
Nick1994  Offline
Joined: Feb 2013
Posts: 10,682
Phoenix, AZ
Flooding might have caused an electrical problem, which may have lead to the fire.

Probably not covered.

And even if it wasn't related, insurance will probably only cover a portion, since it was already ruined.

The ideal situation would be for the house to catch fire the day before the flooding


2015 Hyundai Sonata 2.4L 84k Mobil 1 AFE 0w30 & OEM
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