To all board members.
Now that hurricane season is upon us, (actually it has been for a while now), I figured it was a good time to mention that I am in the flood insurance business.
I am NOT an insurance agent and do not/can not take applications so this is NOT a solicitation! If you are interested in a policy I recommend you contact whoever you normally go through for your insurance needs.
However, if anyone has any questions or problems related this latest hurricane, or any other flooding event, feel free to post me a question here or send a PM. I'll do my best to answer your questions and/or steer you in the right direction.
Flood insurance is kind of a weird, niche type of insurance that most people, including agents, know very little about so feel free to tap me as a resource.
Here are some safety tips from FEMA:
http://www.fema.gov/hazards/hurricanes/
Hurricanes & flooding
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wormer
- Hog
- Posts: 938
- youtube meble na wymiar Warszawa
- Joined: Fri Feb 27, 2004 12:37 pm
- Location: Montgomery Village, MD
- Contact:
Hurricanes & flooding
Have pet sitting needs in Rockville, Gaithersburg, Olney or Montgomery Village? Contact me. I own Fetch! Pet Care of Rockville - Gaitthersburg.
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hailskins666
- aka Evil Hog
- Posts: 6481
- Joined: Thu Aug 07, 2003 9:01 am
- Location: South of Heaven, trying to hit a toilet on shrooms
- Contact:
wormer, please don't take this the wrong way. it's not meant towards you as a person.
i agree taz. most people that live in eastern NC don't have flood ins. in '99 we got a tropical storm, and a hurricane within a 2 week period. flood ins wasn't an option in most areas, because they were in areas that were classified as a "100 year flood plane". billions of $$$ in damage was done. lots of people were left homeless, small busineses in lower areas went bankrupt, lots of deaths, etc, etc. it was by far the worst disaster to hit this area..... probably ever.
i made a comment about these storms that i probably shouldn't have a few weeks ago. i said they are nothing. and they are if you know what to expect. but i didn't exactly state that. i knew what the deal was, from experience. the whole thing with these systems, is the cause lots of storm surge, where the waters at the ocean rises, sometimes 10' in height, and some places near the beach sit at sea level. they also dump huge amounts of precip almost instantly. flooding occurs rather quickly, and takes most people by suprise. the winds aren't a big issue, as much as the water is. most structures will withstand winds up to around 120 with no problems, other than lost siding, or a few damaged shingles. some tornados spawn from the fronts of the systems, but thats the worst wind scenario.
like i said in another thread, it's no big deal if you're on high ground, have plenty of beer, plenty of ice, and some canned food, bread. a hurricane party is in line in those cases.
but there are bad cases too. in 99, i had a few people i knew, lose everything. and because they weren't in the "immediate" flood plane they weren't covered in policies that were paid on for years. i could go on but i won't. i've always heard the phrase, that two things are always guaranteed when you're born, but, there aren't. there are three. (one. you will die. (two. you will pay taxes. AND (three. you will be screwed by an insurance agent at one time or another.
i agree taz. most people that live in eastern NC don't have flood ins. in '99 we got a tropical storm, and a hurricane within a 2 week period. flood ins wasn't an option in most areas, because they were in areas that were classified as a "100 year flood plane". billions of $$$ in damage was done. lots of people were left homeless, small busineses in lower areas went bankrupt, lots of deaths, etc, etc. it was by far the worst disaster to hit this area..... probably ever.
i made a comment about these storms that i probably shouldn't have a few weeks ago. i said they are nothing. and they are if you know what to expect. but i didn't exactly state that. i knew what the deal was, from experience. the whole thing with these systems, is the cause lots of storm surge, where the waters at the ocean rises, sometimes 10' in height, and some places near the beach sit at sea level. they also dump huge amounts of precip almost instantly. flooding occurs rather quickly, and takes most people by suprise. the winds aren't a big issue, as much as the water is. most structures will withstand winds up to around 120 with no problems, other than lost siding, or a few damaged shingles. some tornados spawn from the fronts of the systems, but thats the worst wind scenario.
like i said in another thread, it's no big deal if you're on high ground, have plenty of beer, plenty of ice, and some canned food, bread. a hurricane party is in line in those cases.
but there are bad cases too. in 99, i had a few people i knew, lose everything. and because they weren't in the "immediate" flood plane they weren't covered in policies that were paid on for years. i could go on but i won't. i've always heard the phrase, that two things are always guaranteed when you're born, but, there aren't. there are three. (one. you will die. (two. you will pay taxes. AND (three. you will be screwed by an insurance agent at one time or another.
THN's resident jerk.
Glock .40 Model 22 - First* line of home defense.... 'ADT' is for liberals.
Glock .40 Model 22 - First* line of home defense.... 'ADT' is for liberals.
SLAP !
That's why we call him Hellhog.
Anyway, Floyd wiped me out here in New York. I also had to work through it, with the NY Thruway.
Nice info, Wormer, but maybe you should've kept this quiet.
You opened up a can of, well...you know.
That's why we call him Hellhog.
Anyway, Floyd wiped me out here in New York. I also had to work through it, with the NY Thruway.
Nice info, Wormer, but maybe you should've kept this quiet.
You opened up a can of, well...you know.
"Sit back and watch the Redskins.
SOMETHING MAGICAL IS ABOUT TO BEGIN!"
JPFair- A fan's fan. RIP, brother
SOMETHING MAGICAL IS ABOUT TO BEGIN!"
JPFair- A fan's fan. RIP, brother
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1niksder
- **********
- Posts: 16741
- Joined: Sat Mar 27, 2004 2:45 pm
- Location: If I knew ... it would explain a lot but I've seen Homerville on a map, that wasn't helpful at all
- Contact:
Florida Hurricane Season
We are about to enter the peak of the hurricane season. Any day now, you're going to turn on the TV and see a weather person pointing to some radar blob out in the Gulf of Mexico and making two basic meteorological points:
(1) There is no need to panic.
(2) We could all be killed.
Yes, hurricane season is an exciting time to be in Florida. If you are new to the area, you are probably wondering what you need to do to prepare for the possibility that we will be hit by "the big one.'' Based on our experiences, we recommend that you follow this simple three-step hurricane preparedness plan:
STEP 1.
Buy enough food and bottled water to last your family for at least three days.
STEP 2.
Put these supplies into your car.
STEP 3.
Drive to Nebraska and remain there until Halloween.
Unfortunately, statistics show that most people will not follow this sensible plan. Most people will foolishly stay here in Florida. We will start with one of the most important hurricane preparedness items:
HOMEOWNERS' INSURANCE:
If you own a home, you must have hurricane insurance. Fortunately,
this insurance is cheap and easy to get, as long as your home meets two basic requirements:
(1) It is reasonably well built
(2) It is located in Nebraska.
Unfortunately, if your home is located in Florida, or any other area that might actually be hit by a hurricane, most insurance companies would prefer not to sell you hurricane insurance, because then they might be required to pay YOU money, and that is certainly not why they got into the insurance business in the first place. So you will have to scrounge around for an insurance company, which will charge you an annual premium roughly equal to the replacement value of your house. At any moment, this company can drop you like used dental floss. Since Hurricane George, I have had an estimated 27 different home-insurance companies. This week, I am covered by the Bob and Big Stan Insurance Company, under a policy, which states that, in addition to my premium, Bob and Big Stan are entitled, on demand, to my kidneys.
SHUTTERS:
Your house should have hurricane shutters on all the windows, all the doors, and - if it is a major hurricane - all the toilets. There are several types of shutters, with advantages and disadvantages:
Plywood shutters:
The advantage is that, because you make them yourself, they are cheap.
The disadvantage is that, because you make them yourself, they will fall off.
Sheet-metal shutters:
The advantage is that these work well, once you get them all up.
The disadvantage is that once you get them all up, your hands will be useless
bleeding stumps, and it will be December.
Roll-down shutters:
The advantages are that they are very easy to use, and will definitely protect your house... The disadvantage is that you will have to sell your house to pay for them.
"Hurricane-proof'' windows:
These are the newest wrinkle in hurricane protection: They look like ordinary windows, but they can withstand hurricane winds! You can be sure of this, because the sales man says so. He lives in Nebraska.
"Hurricane Proofing" You are Property:
As the hurricane approaches, check your yard for movable objects like barbecue grills, planters, patio furniture, visiting relatives, etc. You should, as a precaution, throw these items into your swimming pool (if you do not have a swimming pool, you should have one built immediately). Otherwise, the hurricane winds will turn these objects into deadly missiles.
EVACUATION ROUTE:
If you live in a low-lying area, you should have an evacuation route planned out. (To determine whether you live in a low-lying area, look at your driver's license; if it says Florida," you live in a low-lying area.)
The purpose of having an evacuation route is to avoid being trapped in your home when a major storm hits. Instead, you will be trapped in a gigantic traffic jam several miles from your home, along with two hundred thousand other evacuees.
Therefore, as a bonus, you will not be lonely.
HURRICANE SUPPLIES:
If you do not evacuate, you will need a mess of supplies. Do not buy them now! Florida tradition requires that you wait until the last possible minute, then go to the supermarket and get into vicious fights with strangers over who gets the last can of SPAM.
In addition to food and water, you will need the following supplies:
23 flashlights - At least $167 worth of batteries that turn out, when the power goes off, to be the wrong size for the flashlights.
Bleach. (No, I do not know what the bleach is for. NOBODY knows what the bleach is for, but it is traditional, so GET some!)
A 55-gallon drum of underarm deodorant.
A big knife that you can strap to your leg. (This will be useless in a hurricane, but it looks cool.)
A large quantity of raw chicken, to placate the alligators.
(Ask anybody who went through Camille; after the hurricane, there WILL be irate alligators.)
$35,000 in cash or diamonds so that, after the hurricane passes, you can buy a generator from a man with no discernible teeth.
Of course, these are just basic precautions. As the hurricane draws near, it is vitally important that you keep abreast of the situation by turning on your television and watching TV reporters in rain slickers stand right next to the ocean and tell you over and over how vitally important it is for everybody to stay away from the ocean.
Good luck, and remember: It is great living in Paradise.
We are about to enter the peak of the hurricane season. Any day now, you're going to turn on the TV and see a weather person pointing to some radar blob out in the Gulf of Mexico and making two basic meteorological points:
(1) There is no need to panic.
(2) We could all be killed.
Yes, hurricane season is an exciting time to be in Florida. If you are new to the area, you are probably wondering what you need to do to prepare for the possibility that we will be hit by "the big one.'' Based on our experiences, we recommend that you follow this simple three-step hurricane preparedness plan:
STEP 1.
Buy enough food and bottled water to last your family for at least three days.
STEP 2.
Put these supplies into your car.
STEP 3.
Drive to Nebraska and remain there until Halloween.
Unfortunately, statistics show that most people will not follow this sensible plan. Most people will foolishly stay here in Florida. We will start with one of the most important hurricane preparedness items:
HOMEOWNERS' INSURANCE:
If you own a home, you must have hurricane insurance. Fortunately,
this insurance is cheap and easy to get, as long as your home meets two basic requirements:
(1) It is reasonably well built
(2) It is located in Nebraska.
Unfortunately, if your home is located in Florida, or any other area that might actually be hit by a hurricane, most insurance companies would prefer not to sell you hurricane insurance, because then they might be required to pay YOU money, and that is certainly not why they got into the insurance business in the first place. So you will have to scrounge around for an insurance company, which will charge you an annual premium roughly equal to the replacement value of your house. At any moment, this company can drop you like used dental floss. Since Hurricane George, I have had an estimated 27 different home-insurance companies. This week, I am covered by the Bob and Big Stan Insurance Company, under a policy, which states that, in addition to my premium, Bob and Big Stan are entitled, on demand, to my kidneys.
SHUTTERS:
Your house should have hurricane shutters on all the windows, all the doors, and - if it is a major hurricane - all the toilets. There are several types of shutters, with advantages and disadvantages:
Plywood shutters:
The advantage is that, because you make them yourself, they are cheap.
The disadvantage is that, because you make them yourself, they will fall off.
Sheet-metal shutters:
The advantage is that these work well, once you get them all up.
The disadvantage is that once you get them all up, your hands will be useless
bleeding stumps, and it will be December.
Roll-down shutters:
The advantages are that they are very easy to use, and will definitely protect your house... The disadvantage is that you will have to sell your house to pay for them.
"Hurricane-proof'' windows:
These are the newest wrinkle in hurricane protection: They look like ordinary windows, but they can withstand hurricane winds! You can be sure of this, because the sales man says so. He lives in Nebraska.
"Hurricane Proofing" You are Property:
As the hurricane approaches, check your yard for movable objects like barbecue grills, planters, patio furniture, visiting relatives, etc. You should, as a precaution, throw these items into your swimming pool (if you do not have a swimming pool, you should have one built immediately). Otherwise, the hurricane winds will turn these objects into deadly missiles.
EVACUATION ROUTE:
If you live in a low-lying area, you should have an evacuation route planned out. (To determine whether you live in a low-lying area, look at your driver's license; if it says Florida," you live in a low-lying area.)
The purpose of having an evacuation route is to avoid being trapped in your home when a major storm hits. Instead, you will be trapped in a gigantic traffic jam several miles from your home, along with two hundred thousand other evacuees.
Therefore, as a bonus, you will not be lonely.
HURRICANE SUPPLIES:
If you do not evacuate, you will need a mess of supplies. Do not buy them now! Florida tradition requires that you wait until the last possible minute, then go to the supermarket and get into vicious fights with strangers over who gets the last can of SPAM.
In addition to food and water, you will need the following supplies:
23 flashlights - At least $167 worth of batteries that turn out, when the power goes off, to be the wrong size for the flashlights.
Bleach. (No, I do not know what the bleach is for. NOBODY knows what the bleach is for, but it is traditional, so GET some!)
A 55-gallon drum of underarm deodorant.
A big knife that you can strap to your leg. (This will be useless in a hurricane, but it looks cool.)
A large quantity of raw chicken, to placate the alligators.
(Ask anybody who went through Camille; after the hurricane, there WILL be irate alligators.)
$35,000 in cash or diamonds so that, after the hurricane passes, you can buy a generator from a man with no discernible teeth.
Of course, these are just basic precautions. As the hurricane draws near, it is vitally important that you keep abreast of the situation by turning on your television and watching TV reporters in rain slickers stand right next to the ocean and tell you over and over how vitally important it is for everybody to stay away from the ocean.
Good luck, and remember: It is great living in Paradise.
..__..
{o,o}
|)__)
-"-"-
When you reach the end of your rope, tie a knot in it and hold on....
If the world didn't suck we'd all fall off
{o,o}
|)__)
-"-"-
When you reach the end of your rope, tie a knot in it and hold on....
If the world didn't suck we'd all fall off
LMAO Niksder that was priceless. At least one of our FL residents has a sense of humor about it. Hey boss could you use another humor writter on the staff, if niksder keeps this up I nominate him! 
Whenever I start to get blue, I just breathe!
My favortie line from the Simpsons:
Flanders: "Looks like someone is having a pre-rapture party!"
Homer: "No Flanders, it's a meeting of gay witches for abortion , you wouldn't be interested!"
My favortie line from the Simpsons:
Flanders: "Looks like someone is having a pre-rapture party!"
Homer: "No Flanders, it's a meeting of gay witches for abortion , you wouldn't be interested!"
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1niksder
- **********
- Posts: 16741
- Joined: Sat Mar 27, 2004 2:45 pm
- Location: If I knew ... it would explain a lot but I've seen Homerville on a map, that wasn't helpful at all
- Contact:
NikiH wrote:LMAO Niksder that was priceless. At least one of our FL residents has a sense of humor about it. Hey boss could you use another humor writter on the staff, if niksder keeps this up I nominate him!
I'm not sure but I think that was writen by Dave Berry. It just seem to fit this thread
..__..
{o,o}
|)__)
-"-"-
When you reach the end of your rope, tie a knot in it and hold on....
If the world didn't suck we'd all fall off
{o,o}
|)__)
-"-"-
When you reach the end of your rope, tie a knot in it and hold on....
If the world didn't suck we'd all fall off
LOL Ok Niksder I feel like a dummy now! I withdraw my nomination!
Whenever I start to get blue, I just breathe!
My favortie line from the Simpsons:
Flanders: "Looks like someone is having a pre-rapture party!"
Homer: "No Flanders, it's a meeting of gay witches for abortion , you wouldn't be interested!"
My favortie line from the Simpsons:
Flanders: "Looks like someone is having a pre-rapture party!"
Homer: "No Flanders, it's a meeting of gay witches for abortion , you wouldn't be interested!"
-
Estahpruunty
- piglet
- Posts: 39
- Joined: Tue Aug 10, 2004 6:32 pm
- Location: Dublin(where ever that is)
Horse ..Can you do anything for me...?
The house is flooded with Guiness... a barrel up in the
spare room "blew " after a party and the carpet is ruined and she's seepin down through the floor boards.
As if that was'nt bad enough the place smells like bad brewery.
Do you think I would be covered for that or will I have to
clean up and fumigate at a big euro outlay.
Im with Church & General
Estah
ok then.... GO Packers!!!!