Hurricane Flo

[boyst]

23 minutes ago, Johnny Hammersticks said:

 

Depends.  Can your cows swim?

Yes, of course.  Cows can swim. Not great but they can

[PromoTheRobot]

My favorite vacation spot, Carolina Beach NC, is ground zero for Flo. Sure making me rethink my idea of buying a beach condo.

[26CornerBlitz]

 

[DC Tom]

29 minutes ago, 26CornerBlitz said:

 

I've seen worse.

[Augie]

8 hours ago, Marv's Neighbor said:

Do your balls float??

 

Kind of a personal question, don’t you think?

 

 

.

[GoBills808]

Good luck east coasters. We just had one 2 weeks ago and now one more bearing down tomorrow...and another one behind that one.

[Augie]

8 hours ago, billsfanmiami(oh) said:

Heading to Charleston at the end of next week to golf. Hopefully....

 

I was at a work/golf outing outside Columbia, SC (Camden) a month or so after Hugo came through. It was surreal! Almost every tree that had been along the course was placed in ENORMOUS mounds anywhere they had space to put them of the fairways and greens. It was....spooky. 

3 minutes ago, GoBills808 said:

Good luck east coasters. We just had one 2 weeks ago and now one more bearing down tomorrow...and another one behind that one.

 

“Tis the season! No, not THAT season. 

[sherpa]

Oh well.

Emergency harvest of my petit verdot grapes tomorrow and Wed., a week early.

Fortunately, my grapes are in good shape, but would have really benefited from another week hanging.

 

A week of rain would really hurt, so starting at 4am, we will harvest.

[/dev/null]

Virginia has ordered evacuation of Hampton Roads Zone A (area most prone to flooding)

 

I love some of the Facebook snowflakes complaining about being forced to leave because they don't know where they should go

 

[Helpmenow]

On 9/8/2018 at 7:22 PM, /dev/null said:

Nobody enjoys a visit from Flo

I do from my 91 year old mom. Still driving and tell folks off

[JohnC]

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....

Is the home insurance getting exorbitantly high as these storms seem to get stronger and be more frequent? Anyone facing the storm/s I wish you well. 

[Augie]

5 minutes ago, JohnC said:

Is the home insurance getting exorbitantly high as these storms seem to get stronger and be more frequent? Anyone facing the storm/s I wish you well. 

 

It’s funny, living in Atlanta now everybody freaks out if you’re in a flood zone. PANIC! They had a 500 year flood about 10 years ago and there was a ton of damage. (Typical flood zone info is based on 100 year flood results.) 

 

In Florida, you would prefer not to be in a flood zone, but you want to be near the beach/water, so the most desireable property probably IS in a flood zone. You pay the extra insurance as part of the cost of being in the more desirable location. We were lucky with our first house, I was close enough to HEAR boats, but not in a flood zone. Our next door neighbor was actually IN the flood zone, but if you are out the insurance is dirt cheap. 

[ExiledInIllinois]

2 hours ago, Augie said:

 

It’s funny, living in Atlanta now everybody freaks out if you’re in a flood zone. PANIC! They had a 500 year flood about 10 years ago and there was a ton of damage. (Typical flood zone info is based on 100 year flood results.) 

 

In Florida, you would prefer not to be in a flood zone, but you want to be near the beach/water, so the most desireable property probably IS in a flood zone. You pay the extra insurance as part of the cost of being in the more desirable location. We were lucky with our first house, I was close enough to HEAR boats, but not in a flood zone. Our next door neighbor was actually IN the flood zone, but if you are out the insurance is dirt cheap. 

What about not taking insurance (flood)?  Do You have to have it?  On the mortgage, bank make it mandatory?  Does it raise the rates on normal homeowner's for all when these routine weather systems hit?

 

Just cry poor mouth when disaster hits every 5 years and get Fed to subsidize.

 

I have never made a claim on my homeowner's in 30 years and the premiums tripled in that time.  Why is that so?  Long time with one company.  Switched now a couple times... Comparable rates.

Edited September 11, 2018 by ExiledInIllinois

[Foxx]

i may be mistaken but don't most insurances not cover acts of god? i believe you need a seperate policy to cover a flood as it is an act of god. also, not every insurance company will offer this type of insurance, you may have to obtain it through the federal gov.

[Kirby Jackson]

10 hours ago, ExiledInIllinois said:

What about not taking insurance (flood)?  Do You have to have it?  On the mortgage, bank make it mandatory?  Does it raise the rates on normal homeowner's for all when these routine weather systems hit?

 

Just cry poor mouth when disaster hits every 5 years and get Fed to subsidize.

 

I have never made a claim on my homeowner's in 30 years and the premiums tripled in that time.  Why is that so?  Long time with one company.  Switched now a couple times... Comparable rates.

Flood insurance is usually required by the lender. It’s primarily done through the NFIP. There are maximum limits that you can carry through NFIP and everything over that has to be done with excess flood. This includes business interruption for a flood. You can’t get BI with NFIP. The premiums are tied to the flood zone. 

 

It’s independent of homeowners insurance. Your homeowners rates are tied to the losses by covered perils. The storms last year have leveled off the property rates that have been declining for the last handful of years. It is the law of large numbers. You aren’t rated on your history as much as you are how well the carrier has done in like situations.

Edited September 11, 2018 by Kirby Jackson

[Augie]

9 hours ago, ExiledInIllinois said:

What about not taking insurance (flood)?  Do You have to have it?  On the mortgage, bank make it mandatory?  Does it raise the rates on normal homeowner's for all when these routine weather systems hit?

 

Just cry poor mouth when disaster hits every 5 years and get Fed to subsidize.

 

I have never made a claim on my homeowner's in 30 years and the premiums tripled in that time.  Why is that so?  Long time with one company.  Switched now a couple times... Comparable rates.

 

If you have financing, you will be required to have flood insurance (if you are in a flood zone). If you don’t have financing and are in a flood zone, but you have a brain, you have flood insurance.  It’s cheap if your not in a flood zone, and it’s not THAT expensive if you are. 

[Kirby Jackson]

56 minutes ago, Augie said:

 

If you have financing, you will be required to have flood insurance (if you are in a flood zone). If you don’t have financing and are in a flood zone, but you have a brain, you have flood insurance.  It’s cheap if your not in a flood zone, and it’s not THAT expensive if you are. 

I quote flood with every commercial property that I write. If you don’t have it here you are an idiot.

[ExiledInIllinois]

So... Has anybody asked yet: "Where's the Machine?" 

3 minutes ago, Kirby Jackson said:

I quote flood with every commercial property that I write. If you don’t have it here you are an idiot.

 Broke sump/ejector pump doesn't count right?  How about loss of power?

[Gordio]

11 hours ago, ExiledInIllinois said:

What about not taking insurance (flood)?  Do You have to have it?  On the mortgage, bank make it mandatory?  Does it raise the rates on normal homeowner's for all when these routine weather systems hit?

 

Just cry poor mouth when disaster hits every 5 years and get Fed to subsidize.

 

I have never made a claim on my homeowner's in 30 years and the premiums tripled in that time.  Why is that so?  Long time with one company.  Switched now a couple times... Comparable rates.

 

 

if your in a flood zone & financing from a bank they require flood insurance.  .  

 

This one look like it is going to be a direct hit.  They said some areas could get over 3 feet of rain which is unbelievable.  They said the problem is it is going to hit land & kind of stall for a few days.  I would worry about the flooding more than the wind.  

Edited September 11, 2018 by Gordio

[Johnny Hammersticks]

Looks like current path has Wilmington in it’s crosshairs.  Yikes!

[boyst]

Can you get flood insurance if you have a houseboat?  Or would it actually be drought insurance?

[CommonCents]

I had a place on Topsail beach for a year, I’m hearing that’s already being evacuated. On a normal day the water would hit the beach houses, they approved some sandbagging plan and built walls in front of them. If that was the permanent fixture those places will end up in the ocean once Flo shows up.

[PromoTheRobot]

18 minutes ago, Commonsense said:

I had a place on Topsail beach for a year, I’m hearing that’s already being evacuated. On a normal day the water would hit the beach houses, they approved some sandbagging plan and built walls in front of them. If that was the permanent fixture those places will end up in the ocean once Flo shows up.

 

I visited North Topsail once and saw a bunch of houses already in the water. The condo I took a look at looked like it was next.

[\GoBillsInDallas/]

[ExiledInIllinois]

1 hour ago, Johnny Hammersticks said:

Looks like current path has Wilmington in it’s crosshairs.  Yikes!

Wow... Our Niece from VT (Enosburg Falls)... Just started as Freshman @ UNC, Wilmington.  My sister texted yesterday that she got the hell out and is driving Asheville w/Her friend. Yesterday. She will be more @ home in mountains anyway! ??

[Johnny Hammersticks]

Just now, ExiledInIllinois said:

Wow... Our Niece from VT (Enosburg Falls)... Just started as Freshman @ UNC, Wilmington.  My sister texted yesterday that she got the hell out and is driving Asheville w/Her friend. Yesterday. She will be more @ home in mountains anyway! ??

 

Oooh...Asheville’s got that good cheeba too!  She will be safe and stoned ?

[ExiledInIllinois]

1 minute ago, Johnny Hammersticks said:

 

Oooh...Asheville’s got that good cheeba too!  She will be safe and stoned ?

LoL...Just got text from my Baby sister.  They arrived in Asheville at Her friend's house @ 5pm... Smart girls, get out early!

1 hour ago, Boyst62 said:

Can you get flood insurance if you have a houseboat?  Or would it actually be drought insurance?

My other niece is on the Pamilco river in NC... Estuary... Her house is on stilts!

 

Gonna need them!!! Wonder what she will do with vehicles.  I told her last year, have a plan and jonboat tied to stilts... Keep the motor in the house.

[Buffalo_Gal]

 

[DC Tom]

1 hour ago, ExiledInIllinois said:

Wow... Our Niece from VT (Enosburg Falls)... Just started as Freshman @ UNC, Wilmington.  My sister texted yesterday that she got the hell out and is driving Asheville w/Her friend. Yesterday. She will be more @ home in mountains anyway! ??

 

Ashevelle is not the best place to be during a major rain-producing event.

 

https://www.google.com/amp/s/amp.citizen-times.com/amp/15217637

[Mr Info]

[ExiledInIllinois]

10 minutes ago, DC Tom said:

 

Ashevelle is not the best place to be during a major rain-producing event.

 

https://www.google.com/amp/s/amp.citizen-times.com/amp/15217637

Looks like going right up gut of NC.

 

Yeah... My sis is nervous, remembers a what they went through in VT.

 

Her friends parents are from Albany & Plattsburgh.  Hopefully they bought high ground, which my sister thinks... But she Googled Earth them... Says: "Lots of trees."

 

I said for her to relax... But too funny, sister spec'd out "lay of land" on Google Earth! LoL...

Edited September 11, 2018 by ExiledInIllinois

[DC Tom]

12 minutes ago, Mr Info said:

 

Yeah, it's gonna be a big, wet one.  Hope Carolina has protection.

[ExiledInIllinois]

12 minutes ago, DC Tom said:

 

Yeah, it's gonna be a big, wet one.  Hope Carolina has protection.

NOLA does!

 

Protected by dikes, serviced by ferries!

 

?

[Rob's House]

On 9/10/2018 at 8:50 AM, Boyst62 said:

Is this something I need to pay attention to?  Something that should concern me????

Do you remember the hurricane that crushed eastern/central NC around 2000?

 

Edit: It was hurricane Floyd. 

Edited September 12, 2018 by Rob's House

[plenzmd1]

yea baby...missing Richmond completely now! Course we have school systems that are off starting today..and every school system is closed Friday..wonder if they reverse course now and open on Friday

[eball]

15 hours ago, Mr Info said:

 

He's got good aim...going right for Carolina's crack.

[/dev/null]

16 hours ago, Mr Info said:

 

about to drop a load on carolina

[boyst]

4 hours ago, Rob's House said:

Do you remember the hurricane that crushed eastern/central NC around 2000?

 

Edit: It was hurricane Floyd. 

Nope.  I was in high school and in Ohio. 

[Nanker]

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 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. 

 

On 9/9/2018 at 11:19 AM, ExiledInIllinois said:

 

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

 

Profits come first.

Bullshite. Insurance is about mitigating risk to a group of people. Everyone with the same risk level pays the same rate. It's all actuarially based on statistics. i.e., the probability that an adverse event will occur to any individual policy holder. You may never make a claim, but your premiums help the insurer pay out for the legitimate claims of other policyholders. 

 

On 9/10/2018 at 8:50 AM, Boyst62 said:

Is this something I need to pay attention to?  Something that should concern me????

On 9/10/2018 at 11:20 AM, Boyst62 said:

Yes, of course.  Cows can swim. Not great but they can

Ah... meh'bee

Best to bring the cows inside your house. Just to be safe Jeff. 

On 9/10/2018 at 8:30 PM, JohnC said:

Is the home insurance getting exorbitantly high as these storms seem to get stronger and be more frequent? Anyone facing the storm/s I wish you well. 

Insurers won't insure many properties because the risk of catastrophe is too high. It's no different than getting insurance for a Pro athlete against them getting a career-ending injury. The higher the risk, the higher the premiums.

On 9/10/2018 at 8:41 PM, Augie said:

 

It’s funny, living in Atlanta now everybody freaks out if you’re in a flood zone. PANIC! They had a 500 year flood about 10 years ago and there was a ton of damage. (Typical flood zone info is based on 100 year flood results.) 

 

In Florida, you would prefer not to be in a flood zone, but you want to be near the beach/water, so the most desireable property probably IS in a flood zone. You pay the extra insurance as part of the cost of being in the more desirable location. We were lucky with our first house, I was close enough to HEAR boats, but not in a flood zone. Our next door neighbor was actually IN the flood zone, but if you are out the insurance is dirt cheap. 

Many governmental jurisdictions had to redraw their flood zone maps. The FEDs are doing everything they can to get more people to sign up for flood insurance because the fewer the policy holders - the more money the FEDs have to get out of the general coffers to pay for the areas who do have insurance and got flooded. What makes no sense to me, however are the people who get flooded out of their homes by swollen rivers every three to five years and then they rebuild on the same site.  If they do that they should have their premiums go into orbit.

 

[Rob's House]

I've been hearing for days about how this severe hurricane is going to hit us. I got the generator gassed and oiled, stocked up on beer and dry goods, cleaned and filled all my water containers, and I'm ready for the storm. Now I hear it's changed course and we'll get 2-4" of rain. This blows.