Mr. Joshua
Registered
Hurricane Helene hit Boone hard. Hoping Chris and his beautiful room in Foscoe are okay.
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Anyone heard from ChrisinNC?
- Thread starter Mr. Joshua
- Start date
Biloxi Boy
Man With A Golden Arm
I am worried. Whole area got soaked. Asheville looks bad on tv.
I have family in Boone. They have been without power and internet but they did manage to post on Facebook that they are ok and didn't have too much damage. Hopefully Chris too.
Biloxi Boy
Man With A Golden Arm
Wind is bad, but water is worse. And one of the worst things about water losses is that so many prudent and financially cautious people do not learn what flood insurance is all about until they experience their first water loss and discover they don't have a vital insurance. Also, for many who know about flood insurance, the cost has has skyrocketed beyond easy affordability so folks just go naked and chance it.
Sadly, without government assistance, a whole lot of people are now facing financial ruin. We've seen it down here too many times. Camile taught many of us about flood insurance, but when Katrina hit, most folks who lived outside of the flood zones did not carry flood insurance. The insurance agents told them they didn't need it if they were not in a flood zone. Problem was no one told Katrina where the lines were.
Moral: everyone needs flood insurance even if they, or their insurance agents, think they don't. So, get you some!
Global Warming is raising oceans and causing bigger storms. The game is changing every day,
Sadly, without government assistance, a whole lot of people are now facing financial ruin. We've seen it down here too many times. Camile taught many of us about flood insurance, but when Katrina hit, most folks who lived outside of the flood zones did not carry flood insurance. The insurance agents told them they didn't need it if they were not in a flood zone. Problem was no one told Katrina where the lines were.
Moral: everyone needs flood insurance even if they, or their insurance agents, think they don't. So, get you some!
Global Warming is raising oceans and causing bigger storms. The game is changing every day,
whats really bad is the hurricane causes a storm surge
the storm surge causes water damage from flooding
your hurricane insurance tells you your damage was not caused by the hurricane but from flooding
even tho the hurricane caused the flooding from the storm surge
thats why everyone needs flood insurance
this way if there is a storm and there is damage someone else..the hurricane insurer or the flood insurer... not you is going to pay to fix the damages (minus your deductible)
the storm surge causes water damage from flooding
your hurricane insurance tells you your damage was not caused by the hurricane but from flooding
even tho the hurricane caused the flooding from the storm surge
thats why everyone needs flood insurance
this way if there is a storm and there is damage someone else..the hurricane insurer or the flood insurer... not you is going to pay to fix the damages (minus your deductible)
Biloxi Boy
Man With A Golden Arm
"Storm Surge" caused the flooding in Asheville? "I don't think so, Lucy". Floods occur in the absence of hurricanes. Floods occur even when there is no hurricane anywhere on the face of the Earth. The HO insuror aint gonna pay for water. (There is some personal property coverage that leaks in under auto policies and personal property insurance, but that is a whole other story.)
Most places don't have "hurricane insurance" (Florida might have had it, or may still. I just don't know.). Wind coverage on the HO policy is what covers hurricane losses, except the water losses.
The other insurance coverage that has been excluded from HO policies has to do with earthquakes or earth movement. My HO covers neither, but a rider is available. It is real cheap in this area. The problem is that the insurance companies are allowed to defeat the concept of shared risk/spreading the cost by chopping up the coverages. All Risk coverage is much more in line with traditional insurance goals. Oops, except the idea of the companies making obscene profits from their captive customers. As usual, we are sitting ducks.
Most places don't have "hurricane insurance" (Florida might have had it, or may still. I just don't know.). Wind coverage on the HO policy is what covers hurricane losses, except the water losses.
The other insurance coverage that has been excluded from HO policies has to do with earthquakes or earth movement. My HO covers neither, but a rider is available. It is real cheap in this area. The problem is that the insurance companies are allowed to defeat the concept of shared risk/spreading the cost by chopping up the coverages. All Risk coverage is much more in line with traditional insurance goals. Oops, except the idea of the companies making obscene profits from their captive customers. As usual, we are sitting ducks.
We are all only a few steps away from complete financial ruin. Some people do a better job at greasing the skids, however.
One would typically consider Boone and Asheville N.C. safe bets. Guess not. This is a good reminder that safety and security are mere illusion. In a moment the elements, especially water, will make you it’s little bi**h.
In parts of Atlanta they were doing water rescue.
First time in Atl. history they had flood warnings in parts of town.
generally water damage is expensive but not catastrophe. if you have a solid house you are okay in heavy winds as well.
the bad luck is when the house or boat next door wipes you out. but then his insurance may cover you.
its all a gamble in life and you get to decide how you want to manage the risks. some have the stomach for a big risk and others give up much of their future retirement for the safety early on.
the bad luck is when the house or boat next door wipes you out. but then his insurance may cover you.
its all a gamble in life and you get to decide how you want to manage the risks. some have the stomach for a big risk and others give up much of their future retirement for the safety early on.
depends on how much water. if it gets more than 3-4ft inside the house its almost impossible to make the house right again. have to replace drywall/floorboards, electrical work, paint, carpet. plus you never can completely dry it out. mold and smell can last forever. i live in an area that gets lots of flash floods and even 6" of water inside is a nightmare.
Biloxi Boy
Man With A Golden Arm
Mold can be beat, but you have to get on it quick and retreat often. Re-sheetrocking too soon is an error -- better to leave house open and allow it to dry out completely.
Isn't that what ended the ice age
Damn fossil fuels...Isn't that what ended the ice age
Ghost of OBC
Well-known member
Do you know where Asheville or Boone NC are? They aren't exactly beach towns. They are 5 or 6 hours inland in the mountains, closer to Tennessee than the coast.
yes i know but they dont tend to lose their whole houses from the storms. but may suffer large damages.
anyplace can have events that are costly or devastating. it is all part of the risk of life.
the old adage about building out of stone and living on high ground is more relevant than ever.
anyplace can have events that are costly or devastating. it is all part of the risk of life.
the old adage about building out of stone and living on high ground is more relevant than ever.
With
Some of those areas got 29 inches of rain on top of previous rain last week. All anybody is seeing on the news is Asheville & Boone because all communication is off everywhere else. There is no telling what the death numbers will be this week from smaller towns spread out because nobody knows yet.