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Hurricane Flo


Captain_Quint

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We lived VERY close to the water in SC and FL for 30 years (we could hear the boats - it costs an extra million to SEE the boats). Worst I ever got hit by a hurricane was just south of Charlotte. Tree in the kitchen and another on my car. No power for a few weeks, and water took twice as long. I just drove home to Hilton Head with a crushed windshield to find a few pine cones had fallen. Gee, glad we ran away to the in-laws....

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Unless it’s a Cat 4-5 we paid little attention. The BIG ONES you had better respect. I love the old Ron White bit on hurricanes, but I’m just too lazy and inept to find the clip. “It’s not THAT the wind is blowing.....it is WHAT the wind is blowing. When that yield sign goes thru your spleen....”  haha, great stuff. 

Edited by Augie
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9 minutes ago, Misterbluesky said:

I have very little sympathy/empathy for people that live on beachfront ..most of those people chose to live there...try to find some born and raised beach natives,they are few and far between....

That’s what I like about you, you tell things as is

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4 minutes ago, Misterbluesky said:

I have very little sympathy/empathy for people that live on beachfront ..most of those people chose to live there...try to find some born and raised beach natives,they are few and far between....

 

Beachfront properties are often second (or third) homes. They are generally well insured and owners can “run away” when it’s appropriate. Still, I will feel for anyone who faces severe loss, and that’s more than just a monetary thing. I’ll never resent anyone because they have more money, and I’ll try to forgive them when they act as jackasses, for whatever reason. 

 

The people I feel the most for are the people who don’t live ON the water, but those who service them in various ways. The people with the fringe jobs who have to live without power or water in the south in August and do NOT have other options. But those people are also tough, out of necessity. I admire their toughness, their ability to do what they need to do to survive and climb back. We saw that numerous times after hurricanes in FL. The poorest often get hurt the worst. Poor home construction,  no savings, nobody to turn to. I was proud of how our churches and communities stepped in when places got devastated. THAT is what life is all about. 

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13 hours ago, /dev/null said:

Nobody enjoys a visit from Flo

  Yeah, nobody wants to kiss her grits.  

9 hours ago, Augie said:

 

Beachfront properties are often second (or third) homes. They are generally well insured and owners can “run away” when it’s appropriate. Still, I will feel for anyone who faces severe loss, and that’s more than just a monetary thing. I’ll never resent anyone because they have more money, and I’ll try to forgive them when they act as jackasses, for whatever reason. 

 

The people I feel the most for are the people who don’t live ON the water, but those who service them in various ways. The people with the fringe jobs who have to live without power or water in the south in August and do NOT have other options. But those people are also tough, out of necessity. I admire their toughness, their ability to do what they need to do to survive and climb back. We saw that numerous times after hurricanes in FL. The poorest often get hurt the worst. Poor home construction,  no savings, nobody to turn to. I was proud of how our churches and communities stepped in when places got devastated. THAT is what life is all about. 

  I think what he may be getting at that many of these homes get covered by some kind of federal disaster aid which is unfair to the taxpayers.  If you have the money to build and rebuild in an area prone to disaster then I don't care what you do.  Come calling to me the taxpayer that your home is laying in rubble and you want to rebuild in a disaster prone area then I will have a problem with that.  If the Feds want to have a program where the insured pretty much pay  their own way w/o subsidy then I have no problem.  

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14 hours ago, Captain_Quint said:

Post your panic here. Just got the alert that we're in a state of emergency in SC. Looking like an East Coast strike. Pulled the boats, off to buy beer and smoked meats. 

 

I say Florence, SC takes the direct hit from her namesake. 

Take care!  Ride out to sea w/that shrimper ala Forrest Gump.  Strap Yourself to Mast and have at Flo!

 

Be safe! Play safe...

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1 hour ago, RochesterRob said:

  Yeah, nobody wants to kiss her grits.  

  I think what he may be getting at that many of these homes get covered by some kind of federal disaster aid which is unfair to the taxpayers.  If you have the money to build and rebuild in an area prone to disaster then I don't care what you do.  Come calling to me the taxpayer that your home is laying in rubble and you want to rebuild in a disaster prone area then I will have a problem with that.  If the Feds want to have a program where the insured pretty much pay  their own way w/o subsidy then I have no problem.  

 

I’m not aware of any federal assistance for private property. They will help with disaster assistance (water, temporary housing, etc. for everyone), infrastructure, possibly even beach renourishment (but the beaches are public almost everywhere), etc. Insuring your private property is your responsibility. If you are in a flood zone and have any financing, you will be required to have flood insurance. About the only way tax dollars get used, to my knowkledge, is if a property is destroyed and abandoned they might need to raze the site for safety reasons, but even then they would seek reimbursement from the owner via legal means. At least that’s the way I understand it. 

 

Side note on insurance: we had a tree land on one slope of our tile roof in FL, destroying it. State Farm was willing to pay for only that slope of the house, but you couldn’t match the tile anymore. State Farm paid about $4k, and we had to pay the roughly $24k for the balance of the roof. THAT doesn’t sound like insurance to me. We tried to fight it of course, but got nowhere. We have a different insurance company now. 

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Stay safe out there all....I just hope the rain stays south. Locally, we've had close to 20" of rain since July. Flood warnings every couple days it seems. Either 90 degrees and hot as blazes or raining.

Edited by RaoulDuke79
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1 hour ago, Augie said:

State Farm was willing to pay for only that slope of the house, but you couldn’t match the tile anymore. State Farm paid about $4k, and we had to pay the roughly $24k for the balance of the roof. THAT doesn’t sound like insurance to me.

Well, you know State Farm's slogan...'like a good neighbour, State Farm is there'.  There to say "gee, that's too bad, glad I'm not paying for it!  Got any beer?"

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1 hour ago, Augie said:

 

I’m not aware of any federal assistance for private property. They will help with disaster assistance (water, temporary housing, etc. for everyone), infrastructure, possibly even beach renourishment (but the beaches are public almost everywhere), etc. Insuring your private property is your responsibility. If you are in a flood zone and have any financing, you will be required to have flood insurance. About the only way tax dollars get used, to my knowkledge, is if a property is destroyed and abandoned they might need to raze the site for safety reasons, but even then they would seek reimbursement from the owner via legal means. At least that’s the way I understand it. 

 

Side note on insurance: we had a tree land on one slope of our tile roof in FL, destroying it. State Farm was willing to pay for only that slope of the house, but you couldn’t match the tile anymore. State Farm paid about $4k, and we had to pay the roughly $24k for the balance of the roof. THAT doesn’t sound like insurance to me. We tried to fight it of course, but got nowhere. We have a different insurance company now. 

When both sides of the books don't balance... That's insurance.  Too many payouts, not enough in.

 

Profits come first.

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1 hour ago, Augie said:

 

I’m not aware of any federal assistance for private property. They will help with disaster assistance (water, temporary housing, etc. for everyone), infrastructure, possibly even beach renourishment (but the beaches are public almost everywhere), etc. Insuring your private property is your responsibility. If you are in a flood zone and have any financing, you will be required to have flood insurance. About the only way tax dollars get used, to my knowkledge, is if a property is destroyed and abandoned they might need to raze the site for safety reasons, but even then they would seek reimbursement from the owner via legal means. At least that’s the way I understand it. 

 

Side note on insurance: we had a tree land on one slope of our tile roof in FL, destroying it. State Farm was willing to pay for only that slope of the house, but you couldn’t match the tile anymore. State Farm paid about $4k, and we had to pay the roughly $24k for the balance of the roof. THAT doesn’t sound like insurance to me. We tried to fight it of course, but got nowhere. We have a different insurance company now. 

  It seems like every time a hurricane hits a coastal area there is a reporter talking to a guy who had his million dollar beach mansion wiped out and talking about when the Feds were going to step in.  Does the average guy who is within 10, 20 miles or more of the coast get any aid or assistance?  Probably not but guys who have million dollar homes on the beach donate heavily to political candidates or have connections to high level politicians can get leverage to help their cause.  Devastation in terms of a once in ten year event or in some cases the frequency is more than that would never allow for those not ultra affluent to rebuild 2 or 3 times or more in a 20 year period.  Especially when each rebuild is a million dollars or more.  The impression is that the Feds do step in for the right people.  If somebody knows different for sure then it would be nice if they spoke up.

20 minutes ago, ExiledInIllinois said:

 

When both sides of the books don't balance... That's insurance.  Too many payouts, not enough in.

 

Profits come first.

  Which is why if some company was insuring homes in Galveston or on the Outer Banks for a million dollars or more each the annual premiums would most likely be into six figures to cover the company's risk for each home.

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4 hours ago, Augie said:

 

I’m not aware of any federal assistance for private property. They will help with disaster assistance (water, temporary housing, etc. for everyone), infrastructure, possibly even beach renourishment (but the beaches are public almost everywhere), etc. Insuring your private property is your responsibility. If you are in a flood zone and have any financing, you will be required to have flood insurance. About the only way tax dollars get used, to my knowkledge, is if a property is destroyed and abandoned they might need to raze the site for safety reasons, but even then they would seek reimbursement from the owner via legal means. At least that’s the way I understand it. 

 

Side note on insurance: we had a tree land on one slope of our tile roof in FL, destroying it. State Farm was willing to pay for only that slope of the house, but you couldn’t match the tile anymore. State Farm paid about $4k, and we had to pay the roughly $24k for the balance of the roof. THAT doesn’t sound like insurance to me. We tried to fight it of course, but got nowhere. We have a different insurance company now. 

 

Federal assistance for private property usually takes the form of low-interest loan guarantees, to the best of my knowledge.  

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Just now, DC Tom said:

 

Federal assistance for private property usually takes the form of low-interest loan guarantees, to the best of my knowledge.  

 

Which would be available to everybody. Some people just like to hate on successful people. Nobody gets their mansion re-built by the government because they know somebody. 

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8 minutes ago, Augie said:

 

Nobody gets their mansion re-built by the government because they know somebody. 

 

I'm sure some do.  I'd bet Jared Kushner, if he lost a beach house, would find a way to get the government to pay for rebuilding it.  And Chelsea Clinton would just ask mom to ask the Secretary of Defense to have a company of SeaBees to rebuild it.

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We had a condo in St Augustine area (unincorporated St John's county) on the beach for years. The only hurricane we ever had to repair from was Matthew in late 2016 (our deck was a mess).  A1A was in bad shape with sinkholes and cracks, but fortunately for us not on the stretch where we owned.  When we came back in January of 2017 it was to the sand pushed across the street on A1A and seaweed all over the place, beach entrances blocked by sand hills, the boardwalks being rebuilt and the beach itself looking ... like a hurricane had hit.  We were lucky in that we had a service that checked our place several times a month while we were away, and they went over to view the damage (and send us photos) after the bridges opened back up. The people downstairs from us went through our condo too to check for any interior damage. With their aid, we knew the damage we were responsible for (the roof was the condo HOA's problem) could wait until we returned. 

We sold after the 2017 season (for non-hurricane related reasons). I was saying to Hubby this morning that while I missed snowbirding in Florida this past winter, I do not miss the worrying about another hurricane impacting us.

Best wishes to all in the path of Florence. I hope it misses you completely and takes a hard right out to the ocean.

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On 9/8/2018 at 7:40 PM, Augie said:

We lived VERY close to the water in SC and FL for 30 years (we could hear the boats - it costs an extra million to SEE the boats). Worst I ever got hit by a hurricane was just south of Charlotte. Tree in the kitchen and another on my car. No power for a few weeks, and water took twice as long. I just drove home to Hilton Head with a crushed windshield to find a few pine cones had fallen. Gee, glad we ran away to the in-laws....

You'll be lucky of you don't FEEL a few boats.

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Not trying to be a jerk... I don't understand why so federal aid is given for a weather event that is easily mitigated by moving away from the ocean.  It's taking a lot of Federal resources from other places.  Places that are scraping and cobbling along to get buy and divert calamity of their own.  The coasts are over-populated.  Same with people living in flood zones, fire zones, etc... Winter storms are the same.  Is $$$$ given for routine snow plowing?

 

Hurricanes are routine.  A state like Florida does not collect any sales tax... Instead, $$$ comes off the backs of tourism... Yet, the Fed fixes things up, etc... Population gets out of hand as more and more people come.  Maybe start taxing the consumers who live there?  Or, how about bring in an industrial economy.  The Texas and Louisiana Gulf Coast pull their weight with the petrol-chem industry that gives back to the nation as a whole.  What does Orlando do?  Make family "magic" happen.

 

Sorry if this offends.  I pray that everybody stays safe. I pray we don't have to once again draw from the commons, it takes a lot of resources from others that live in more prudent places.  I am not saying we can't live on the coasts, but population is getting out of hand.  Something needs to be done to discourage this unsustainable growth... Gaming of the system.

 

Thank You for letting Me take the time... And be very safe!

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On 9/8/2018 at 8:04 PM, Augie said:

 

Unless it’s a Cat 4-5 we paid little attention. The BIG ONES you had better respect. I love the old Ron White bit on hurricanes, but I’m just too lazy and inept. “It’s not THAT the wind is blowing.....it is WHAT the wind is blowing. When that yield sign goes thru your spleen....”  haha, great stuff. 

Supposedly it will be a major hurricane before it hits. 

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My niece just started college @ UNC, Wilmington. /smh

 

Now they are expanding colleges on the seashore... Or @ very least drawing more and more to the ocean.  They should probably de-incentivize (is that a word) this trend that more & more "seek the sea."  It's unsustainable and gonna cost us dearly with these routine weather messes, take lion's share of budgets.  Just my opinion.

 

But yeah... Let's think we can alter climate the way that is advantageous to humans... So arrogant!!!

Edited by ExiledInIllinois
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10 hours ago, ExiledInIllinois said:

Not trying to be a jerk... I don't understand why so federal aid is given for a weather event that is easily mitigated by moving away from the ocean.  It's taking a lot of Federal resources from other places.  Places that are scraping and cobbling along to get buy and divert calamity of their own.  The coasts are over-populated.  Same with people living in flood zones, fire zones, etc... Winter storms are the same.  Is $$$$ given for routine snow plowing?

 

Hurricanes are routine.  A state like Florida does not collect any sales tax... Instead, $$$ comes off the backs of tourism... Yet, the Fed fixes things up, etc... Population gets out of hand as more and more people come.  Maybe start taxing the consumers who live there?  Or, how about bring in an industrial economy.  The Texas and Louisiana Gulf Coast pull their weight with the petrol-chem industry that gives back to the nation as a whole.  What does Orlando do?  Make family "magic" happen.

 

Sorry if this offends.  I pray that everybody stays safe. I pray we don't have to once again draw from the commons, it takes a lot of resources from others that live in more prudent places.  I am not saying we can't live on the coasts, but population is getting out of hand.  Something needs to be done to discourage this unsustainable growth... Gaming of the system.

 

Thank You for letting Me take the time... And be very safe!

2


I think you meant income tax... because Florida definitely has a sales tax. That, and the hotel and car rental taxes and fees, are how they soak the tourists. 

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must be serious, temps dropped 25 in a day in Toronto and a torrential (for us) downpour with heavy winds ruining shaky umbrellas

 

keep safe and warm boardmembers with risk here, keep up updated

 

thoughts and prayers

 

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