Heard a guy on TV, (don't remember who it was but it was during NO coverage)
that said everyone should have Federal Flood Insurance, since it can be had
for a couple of hundred $.

If that is the case, and I am not sure that it is, then everyone would have
it, I guess.
Any hard Dollar figures for how much it costs for the Federal Flood
Insurance?
Thanks
Sam

Saml wrote:
Heard a guy on TV, (don't remember who it was but it was during NO coverage)
that said everyone should have Federal Flood Insurance, since it can be had
for a couple of hundred $.

If that is the case, and I am not sure that it is, then everyone would have
it, I guess.
Any hard Dollar figures for how much it costs for the Federal Flood
Insurance?
Thanks
Sam



Before AMUN the MORON comes along with wrong advice (like he does w/
everything else) know this:

the net is full of good advice about flood insurance.
http://www.google.com/search?hl=en&q...oogle +Search

"Saml" wrote in message news:gMGSe.1596$Zp.892@lakeread04...
Heard a guy on TV, (don't remember who it was but it was during NO coverage)
that said everyone should have Federal Flood Insurance, since it can be had
for a couple of hundred $.

If that is the case, and I am not sure that it is, then everyone would have
it, I guess.
Any hard Dollar figures for how much it costs for the Federal Flood
Insurance?
Thanks
Sam

This is Turtle.

Flood insurance is determined as to what zone you live in. If you live in a zone
that floods everyday they are more and places that never flood the cost less.

My house flooed YEARS ago because of stopped up drainage canal and is listed as
a long shot to flood. It cost me $250.00 a year for $105K house and $55K Content
in a long shot zone.

Here is a little secret for you. If the Sewer system in your area gets stopped
up and backs up to flood your house. Your home owner insurance will not pay for
it. Any water that rises into a house is call flood and you need Flood insuranse
for that. Now if a Towlet just hangs up and runs over it is Home owners insurace
that covers it.

any water that backs up into your house is Flood water to pay and any water that
comes down into your house is called Home owner insurance to pay.

All the homes in New Orleans that flooded will be called flood insurance and
none will be called home owners insurance.

TURTLE

Saml wrote:
Heard a guy on TV, (don't remember who it was but it was during NO
coverage) that said everyone should have Federal Flood Insurance,
since it can be had for a couple of hundred $.

If that is the case, and I am not sure that it is, then everyone
would have it, I guess.
Any hard Dollar figures for how much it costs for the Federal Flood
Insurance?
Thanks
Sam

The cost depends on where you are. I am in a 500 year flood plain,
which means I can expect a flood about ever 500 years or so. My home is
appraised at about 250,000 + and I pay about $260 per year.

I was happy with it until last year. Since the new Homeland Security
took over everything they could get their hands on, including the flood
insurance, my servicing company (the feds don't do the work themselves, they
farm it out (maybe to the highest contributor?) and my servicing company has
changed three times. Somewhere along there I have been billed twice and
told I don't have insurance, even though I have my canceled check. I have
been trying for months to get an answer and no luck.

That said, I do believe it is a very wise thing to have. If your rates
are too high, then you are not living in a safe area.

--
Joseph Meehan

Dia duit

"Saml" wrote in message
news:gMGSe.1596$Zp.892@lakeread04...
Heard a guy on TV, (don't remember who it was but it was during NO
coverage)
that said everyone should have Federal Flood Insurance, since it can be
had
for a couple of hundred $.

If that is the case, and I am not sure that it is, then everyone would
have
it, I guess.
Any hard Dollar figures for how much it costs for the Federal Flood
Insurance?
Thanks
Sam

I had flood insurance once. They drew the line down the middle of the street
I lived on. My side had to have it and the other side did not.
In Arizona in the property seller has to state if the property has Federal
Flood insurance.
There are no private companies that I know of that write the insurance.
There are a lot of private companies that will sell it, with their markup on
the policy.

I lived in a very low risk area, the insurance for a $75k home and $30k of
belongs was $300.00 in 1990. There was a levy 3 miles north of my home that
was designed to hold water from a water shed. If it broke then that property
would have flooded and so would have most of north Phoenix. In the 30 years
I have lived here I have never seen any measurable amount of water for any
length of time behind the levy. Now days builders are using the land for
$750k and up homes on larger than acre lots. It will catch up to them the
next time we have a really wet year(s) like we did in the 70's and early
80's.

I would bet before Katrina flood insurance would have cost thousands of
dollars per unit of value. Below sea level is not a good indication. That
is why very few if any will have flood insurance. Since the political bozos
of the country have declared it a disaster area we the tax payers will get
to pay a big chunk of the rebuilding just like the last time in 2000.

On Sun, 04 Sep 2005 13:48:01 -0500, TURTLE wrote:

any water that backs up into your house is Flood water to pay and any
water that comes down into your house is called Home owner insurance to
pay.

All the homes in New Orleans that flooded will be called flood insurance
and none will be called home owners insurance.

You think so? Did the water in N.O. "back up" into the houses, or "come
down into" them?

Methinks you don't have a clue.

--
My newsreader auto-deletes all posts that originate from Google Groups.
If you're not on the edge, you're taking up too much space.
Linux Registered User #327951

Flood insurance is really cheap, however it basically only covers structural
damage. Your belongings. the basement carpeting, etc. are your problem.
So if you won't be having a flood vicious enough to cause structural damage,
it is not useful.

Sewage coverage is different from other flooding. You can get coverage for
sewage backup where the neighborhoods sewage ends up in your basement. It
is usually an add-on to homeowners for about $35 where I live in NC.


"TURTLE" wrote in message
.. .

"Saml" wrote in message
news:gMGSe.1596$Zp.892@lakeread04...
Heard a guy on TV, (don't remember who it was but it was during NO
coverage) that said everyone should have Federal Flood Insurance, since
it can be had for a couple of hundred $.

If that is the case, and I am not sure that it is, then everyone would
have it, I guess.
Any hard Dollar figures for how much it costs for the Federal Flood
Insurance?
Thanks
Sam

This is Turtle.

Flood insurance is determined as to what zone you live in. If you live in
a zone that floods everyday they are more and places that never flood the
cost less.

My house flooed YEARS ago because of stopped up drainage canal and is
listed as a long shot to flood. It cost me $250.00 a year for $105K house
and $55K Content in a long shot zone.

Here is a little secret for you. If the Sewer system in your area gets
stopped up and backs up to flood your house. Your home owner insurance
will not pay for it. Any water that rises into a house is call flood and
you need Flood insuranse for that. Now if a Towlet just hangs up and runs
over it is Home owners insurace that covers it.

any water that backs up into your house is Flood water to pay and any
water that comes down into your house is called Home owner insurance to
pay.

All the homes in New Orleans that flooded will be called flood insurance
and none will be called home owners insurance.

TURTLE

if a tornado rips off my roof and it rains and floods my house, is it flood
insurance or homeowners that would cover?
"Saml" wrote in message
news:gMGSe.1596$Zp.892@lakeread04...
Heard a guy on TV, (don't remember who it was but it was during NO coverage)
that said everyone should have Federal Flood Insurance, since it can be had
for a couple of hundred $.

If that is the case, and I am not sure that it is, then everyone would have
it, I guess.
Any hard Dollar figures for how much it costs for the Federal Flood
Insurance?
Thanks
Sam

"Art" wrote in message
ink.net...
Sewage coverage is different from other flooding. You can get coverage for
sewage backup where the neighborhoods sewage ends up in your basement. It is
usually an add-on to homeowners for about $35 where I live in NC.



This is Turtle.

It you have flood insurance , You don't need this sewer insurance for flood
insurance cover anything coming back into your house.

TURTLE

stevie wrote:

if a tornado rips off my roof and it rains and floods my house, is it flood
insurance or homeowners that would cover?

homeowners...water intrusion via the downward route isn't the definition
of flooding--that's groundwater coming up, even if the source of that
water was a heavy deluge.

"Dan C" wrote in message
news
On Sun, 04 Sep 2005 13:48:01 -0500, TURTLE wrote:

any water that backs up into your house is Flood water to pay and any
water that comes down into your house is called Home owner insurance to
pay.

All the homes in New Orleans that flooded will be called flood insurance
and none will be called home owners insurance.

You think so? Did the water in N.O. "back up" into the houses, or "come
down into" them?

Methinks you don't have a clue.



This is Turtle.

earth to Dan 0 , when the levey broke , do you think the water flew back up in
the ski and then come down into the homes or just backed up into the homes. i do
a lot of write ups for FEMA and flood insurance on HVAC and Refrigeration
equipment and have to know what the rules are when claiming flood insurance on a
hvac system or refrigeration system. Any rising water than gets in your home is
called flood insurance. any rain water, storm, winds, or objects that cause
damage while hitting the house is covered. and Also fire and trees hitting your
house is insurance.

So Anything that rises into your house is covered by flood insurance. Anthing
that falls in or on your house is Home owners policy.

Yes Dan 0 , I have wrote up thousands of claims for flood insurance on hvac
systems and a bunch for FEMA on refrigerators, stoves, and appliances. If flood
water touches a appliance, you get rid of it. if it does not touch the
appliance, you claim to disifect the appliance.

Dan-0 , when they go back in N.O. you can get with them and work with FEMA and
Flood insurance to wade around in the houses and mud to look at the damage and
write the houses up. If you like i can hook you up. Let Me Know.

TURTLE

TURTLE wrote:

"Art" wrote in message
ink.net...
Sewage coverage is different from other flooding. You can get coverage for
sewage backup where the neighborhoods sewage ends up in your basement. It is
usually an add-on to homeowners for about $35 where I live in NC.



This is Turtle.

It you have flood insurance , You don't need this sewer insurance for flood
insurance cover anything coming back into your house.

I wouldn't count on that w/o checking. I'd not think flood insurance
would cover sewage block or backup non-related to flooding.

I haven't "looked it up" and don't have but it doesn't make much sense
that it would cover a non-related problem.

"SQLit" wrote in message
...

[snip]
I would bet before Katrina flood insurance would have cost thousands of
dollars per unit of value. Below sea level is not a good indication. That
is why very few if any will have flood insurance. Since the political
bozos
of the country have declared it a disaster area we the tax payers will get
to pay a big chunk of the rebuilding just like the last time in 2000.

Further consideration -- flood insurance is a prerequisite in any flood
plain area before a mortgage company will loan on a property, either a first
or second mortgage. As a result, I expect that almost any property that has
a mortage on it in the NO area will also have flood insurance --

wrote:

On Sun, 04 Sep 2005 20:01:12 -0500, Duane Bozarth
wrote:

TURTLE wrote:

"Art" wrote in message
ink.net...
Sewage coverage is different from other flooding. You can get coverage for
sewage backup where the neighborhoods sewage ends up in your basement. It is
usually an add-on to homeowners for about $35 where I live in NC.



This is Turtle.

It you have flood insurance , You don't need this sewer insurance for flood
insurance cover anything coming back into your house.

I wouldn't count on that w/o checking. I'd not think flood insurance
would cover sewage block or backup non-related to flooding.

I haven't "looked it up" and don't have but it doesn't make much sense
that it would cover a non-related problem.

Flood insurance is a big deal here in Florida. It costs me about $1000
a year for $80,000 building and $15,000 contents.

Hail insurance is a big deal here...wonder why?

"Duane Bozarth" wrote in message
...
TURTLE wrote:

"Art" wrote in message
ink.net...
Sewage coverage is different from other flooding. You can get coverage for
sewage backup where the neighborhoods sewage ends up in your basement. It
is
usually an add-on to homeowners for about $35 where I live in NC.



This is Turtle.

It you have flood insurance , You don't need this sewer insurance for flood
insurance cover anything coming back into your house.

I wouldn't count on that w/o checking. I'd not think flood insurance
would cover sewage block or backup non-related to flooding.

I haven't "looked it up" and don't have but it doesn't make much sense
that it would cover a non-related problem.

This is Turtle.

Sewer system backing up is Flood insurance Deal.

Commode malfuctioning is a home owner plocy job.

Sewer line in side the home that stoppes up is homeowners insurance.

Rain into a house is Home owners Policy.

There is a thin line between them paying or not with todays policys.

TURTLE

In article gMGSe.1596$Zp.892@lakeread04, says...
Heard a guy on TV, (don't remember who it was but it was during NO coverage)
that said everyone should have Federal Flood Insurance, since it can be had
for a couple of hundred $.

Like any other insurance, the cost is very low if you don't need it
much, sliding to very high if you're likely to collect.

If the company that does your homeowners insurance doesn't also write
flood insurance, FEMA's web site can hook you up with a local flood
insurance agent for a free quote.

--
is Joshua Putnam
http://www.phred.org/~josh/
Updated Infrared Photography Books List:
http://www.phred.org/~josh/photo/irbooks.html

TURTLE wrote:
....
There is a thin line between them paying or not with todays policys.

I'm just saying I'd strongly recommend checking the terms of the
individual policy in question, not relying on generalities...

Joseph Meehan wrote:


The cost depends on where you are. I am in a 500 year flood plain,
which means I can expect a flood about ever 500 years or so. My home is
appraised at about 250,000 + and I pay about $260 per year.



That said, I do believe it is a very wise thing to have. If your rates
are too high, then you are not living in a safe area.


You suppose the rates for flood ins. will rise now?

G Henslee wrote:

Joseph Meehan wrote:


The cost depends on where you are. I am in a 500 year flood plain,
which means I can expect a flood about ever 500 years or so. My home is
appraised at about 250,000 + and I pay about $260 per year.



That said, I do believe it is a very wise thing to have. If your rates
are too high, then you are not living in a safe area.


You suppose the rates for flood ins. will rise now?

Very possibly although since it is federally subsidized, I'd not expect
massive increases.

On Mon, 05 Sep 2005 08:07:20 -0500, Duane Bozarth
wrote:

TURTLE wrote:
...
There is a thin line between them paying or not with todays policys.

I'm just saying I'd strongly recommend checking the terms of the
individual policy in question, not relying on generalities...

I agree. Those law-makers are known for changing things when they
are bribed enough by the insurance people.

Call your local agent and ask!

Sherman wrote:

On Mon, 05 Sep 2005 08:07:20 -0500, Duane Bozarth
wrote:

TURTLE wrote:
...
There is a thin line between them paying or not with todays policys.

I'm just saying I'd strongly recommend checking the terms of the
individual policy in question, not relying on generalities...

I agree. Those law-makers are known for changing things when they
are bribed enough by the insurance people.

Call your local agent and ask!

Read your policy.

"Toller" wrote in message
...
Flood insurance is really cheap, however it basically only covers structural
damage. Your belongings. the basement carpeting, etc. are your problem.
So if you won't be having a flood vicious enough to cause structural damage,
it is not useful.

This is Turtle.

Earth to Toller , When you buy flood insurance you have a amount for structure
and a amount for content. I have $105K for Structure and $55K for content on my
policy and cost about $290.00 a year.

TURTLE

"stevie" wrote in message ...
if a tornado rips off my roof and it rains and floods my house, is it flood
insurance or homeowners that would cover?

***If the Tornado ripped the roof off and Rains in it. that is home Owners
insurance.

***flood insurance only covers water backing up into a house and not falling
into a house.

***anything coming from the Ski to damage your home. Home Owners insurance will
cover it.
***anything coiming from the Ground / River/ Creek/ sewer System / run off water
backing up into your house is Flood Insurance.

TURTLE

When you buy flood insurance you have a amount for structure and a amount
for content. I have $105K for Structure and $55K for content on my policy
and cost about $290.00 a year.

Is that including your normal 'homeowners' policy or in addition to it ?

Rudy wrote:
When you buy flood insurance you have a amount for structure and a amount
for content. I have $105K for Structure and $55K for content on my policy
and cost about $290.00 a year.


Is that including your normal 'homeowners' policy or in addition to it ?



No. What do you care? You need "inferior substrate" insurance. That
costs 5K a year. Beat it canuckie boy.

--
WARNING:

Do NOT under any circumstances take advice from an idiot named AMUN.

AMUN is a clueless moron regarding tile, electrical and various other
construction issues. As things go AMUN will (thankfully) dissapear
as his kind usually does when confronted with their bad advice by
those who are knowledgeable in their respective fields.
Until then - BEWARE

"Duane Bozarth" wrote in message
...
TURTLE wrote:
...
There is a thin line between them paying or not with todays policys.

I'm just saying I'd strongly recommend checking the terms of the
individual policy in question, not relying on generalities...

This is Turtle.

The insurance agents that are sent out to look at your flood or Water Damage has
these words in mine when looking. You can draw a clear line between flood and
rain / wind damage with the rules here.

If it Falls in to your house it is regular Home Owners insurance.

If it backs up or rises up in your house , it is flood insurance.

There is a clear line that can be drawn between them. There was a big push by
insurance companys to push the coverage over to flood insurance and the Federal
Government draw the line in the sand where Flood insurance will pay. Beyond
these words of rising into your house, all coverage goes to home owners
insurance if they elect to put a rider on your policy to not pay for what they
don't want to pay for.

TURTLE

"Rudy" wrote in message
news:kktTe.417785$s54.308455@pd7tw2no...
When you buy flood insurance you have a amount for structure and a amount for
content. I have $105K for Structure and $55K for content on my policy and
cost about $290.00 a year.

Is that including your normal 'homeowners' policy or in addition to it ?

This is Turtle.

Fire insurance / Home owners insurance $791.00 yr. .

Federal Flood insurance --------------------- $290.00 a yr. .

TURTLE

TURTLE wrote:

"Duane Bozarth" wrote in message
...
TURTLE wrote:
...
There is a thin line between them paying or not with todays policys.

I'm just saying I'd strongly recommend checking the terms of the
individual policy in question, not relying on generalities...

This is Turtle.

The insurance agents that are sent out to look at your flood or Water Damage has
these words in mine when looking. You can draw a clear line between flood and
rain / wind damage with the rules here.

If it Falls in to your house it is regular Home Owners insurance.

If it backs up or rises up in your house , it is flood insurance.

There is a clear line that can be drawn between them. There was a big push by
insurance companys to push the coverage over to flood insurance and the Federal
Government draw the line in the sand where Flood insurance will pay. Beyond
these words of rising into your house, all coverage goes to home owners
insurance if they elect to put a rider on your policy to not pay for what they
don't want to pay for.

What they will end up paying for is what is in the individual policy in
force, period.

TURTLE wrote:
"Saml" wrote in message news:gMGSe.1596$Zp.892@lakeread04...

Heard a guy on TV, (don't remember who it was but it was during NO coverage)
that said everyone should have Federal Flood Insurance, since it can be had
for a couple of hundred $.

If that is the case, and I am not sure that it is, then everyone would have
it, I guess.
Any hard Dollar figures for how much it costs for the Federal Flood
Insurance?
Thanks
Sam


This is Turtle.

Flood insurance is determined as to what zone you live in. If you live in a zone
that floods everyday they are more and places that never flood the cost less.

My house flooed YEARS ago because of stopped up drainage canal and is listed as
a long shot to flood. It cost me $250.00 a year for $105K house and $55K Content
in a long shot zone.

Here is a little secret for you. If the Sewer system in your area gets stopped
up and backs up to flood your house. Your home owner insurance will not pay for
it. Any water that rises into a house is call flood and you need Flood insuranse
for that. Now if a Towlet just hangs up and runs over it is Home owners insurace
that covers it.

any water that backs up into your house is Flood water to pay and any water that
comes down into your house is called Home owner insurance to pay.

All the homes in New Orleans that flooded will be called flood insurance and
none will be called home owners insurance.

TURTLE



True. I argued several years back with my insurance company after my
basement flooded. They clearly stated they covered water damage. he
tried to explain why that meand only leaking water pipes and not backup
but it was not in the document like that.

He got quite flustered and tried to tell me how it was his job to
explain to me why I was not covered. Somehow the fact that it was his
job was supposed to make it all true. Insurance is a damn racket.


Anyway, FEMA ended up covering us due to local conditions.

--
Respectfully,


CL Gilbert

"CL (dnoyeB) Gilbert" wrote:

TURTLE wrote:
"Saml" wrote in message news:gMGSe.1596$Zp.892@lakeread04...

Heard a guy on TV, (don't remember who it was but it was during NO coverage)
that said everyone should have Federal Flood Insurance, since it can be had
for a couple of hundred $.

If that is the case, and I am not sure that it is, then everyone would have
it, I guess.
Any hard Dollar figures for how much it costs for the Federal Flood
Insurance?
Thanks
Sam


This is Turtle.

Flood insurance is determined as to what zone you live in. If you live in a zone
that floods everyday they are more and places that never flood the cost less.

My house flooed YEARS ago because of stopped up drainage canal and is listed as
a long shot to flood. It cost me $250.00 a year for $105K house and $55K Content
in a long shot zone.

Here is a little secret for you. If the Sewer system in your area gets stopped
up and backs up to flood your house. Your home owner insurance will not pay for
it. Any water that rises into a house is call flood and you need Flood insuranse
for that. Now if a Towlet just hangs up and runs over it is Home owners insurace
that covers it.

any water that backs up into your house is Flood water to pay and any water that
comes down into your house is called Home owner insurance to pay.

All the homes in New Orleans that flooded will be called flood insurance and
none will be called home owners insurance.

TURTLE



True. I argued several years back with my insurance company after my
basement flooded. They clearly stated they covered water damage. he
tried to explain why that meand only leaking water pipes and not backup
but it was not in the document like that.

I suspect the actual contract (not a summary document) was probably
precise even if not easy to read and clear. That's what they pay the
lawyers for and why it is the contract that is covering not some
generalized rule.

He got quite flustered and tried to tell me how it was his job to
explain to me why I was not covered. Somehow the fact that it was his
job was supposed to make it all true. Insurance is a damn racket.

Not as much a racket as, say, the gaming casinos but they do try to
control their risks. As shown in FL the last two years, sometimes they
lose, too.

Anyway, FEMA ended up covering us due to local conditions.

That's good that your losses were covered in the end. I'll simply note
for others who may not have been through it that in order for FEMA to be
able to help the area must have been declared a disaster area. Until
that official request by local/state authorities has been made and the
evaluation of the extent and severity is made and the consequent
declaration, FEMA can't help.

"Toller" wrote in message
...
Flood insurance is really cheap, however it basically only covers
structural damage. Your belongings. the basement carpeting, etc. are your
problem.
So if you won't be having a flood vicious enough to cause structural
damage, it is not useful.


From www.floodsmart.gov:
"As a homeowner, you can insure your home up to $250,000 and its contents up
to

$100,000. If you're a renter, you can cover your belongings up to $100,000.
As a

non-residential property owner, you can insure your building and its
contents up to $500,000. "



Your basement carpeting, unless you have a walk-out basement, will be

your responsibility, however.