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Reply #: You couldn't get insurance if you built on a volcano. [View All]

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merh Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Oct-12-09 12:45 AM
Original message
You couldn't get insurance if you built on a volcano.
And she didn't get the insurance she had been paying for over the 20 year time.

And the insurance companies continue to show record profits. The first bailouts of the Bush administration was the federal grants awarded because the government wouldn't hold the insurance company responsible for their debts.

Your anger about the closing off of the beach is understandable. I remember the days when we could drive along Galveston beaches.

But, it is not reasonable to allow that anger to cloud your view relative to these issues.

The folks in NOLA live in a bowl, well below sea level. Always have. Their situation is more akin to you building on the volcano yet you have compassion for their situation.

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  -Fuck the beach dwellers MichaelHarris  Oct-12-09 12:01 AM   #0 
  - If her house is paid off, she can take out a loan and buy a new house, Inland.  madeline_con   Oct-12-09 12:03 AM   #1 
  - exactly  MichaelHarris   Oct-12-09 12:14 AM   #4 
     - I CAN'T BELIEVE IT  HowHasItComeToThis   Oct-12-09 01:21 AM   #37 
     - Excellent point.  bvar22   Oct-12-09 12:54 PM   #73 
  - I hate to get all biblical  obliviously   Oct-12-09 12:11 AM   #2 
  - And that book also talks about paying for the consequences  liberalhistorian   Oct-12-09 09:37 AM   #52 
  - How about this gem: "As you reap, yay, also you shall sow..."  Romulox   Oct-12-09 11:49 AM   #68 
  - Same with mudslide, wildfires, earthquakes, and flooding areas.  Lex   Oct-12-09 12:12 AM   #3 
  - But ultimately if we're going to include all those predictable risks  spoony   Oct-12-09 12:14 AM   #5 
  - I agree. But should one group be singled out of all the rest of predictable  Lex   Oct-12-09 12:15 AM   #6 
  - No, sorry I didn't make that clear.  spoony   Oct-12-09 12:21 AM   #9 
     - We are  MichaelHarris   Oct-12-09 12:30 AM   #15 
  - People  MichaelHarris   Oct-12-09 12:20 AM   #7 
     - Right, but I'm sure you heard the same things I did  spoony   Oct-12-09 12:23 AM   #12 
        - they do have those regions  MichaelHarris   Oct-12-09 12:27 AM   #14 
  - When you talk about earthquakes you're talkin' 20% of thepopulation  alittlelark   Oct-12-09 01:22 AM   #38 
  - Nah, not all of those places fit the same catgory.  rd_kent   Oct-12-09 12:13 PM   #70 
  - Wrong, some places are prone to these over and over and over.  Lex   Oct-12-09 12:28 PM   #71 
  - Yes, SOME places are, but you implied that ALL places like that should just be fucked...  rd_kent   Oct-12-09 12:56 PM   #75 
     - No, I said that you can't just single out beach properties. There are other  Lex   Oct-12-09 01:18 PM   #79 
  - No. Those kinds of fires can not happen everywhere.  bvar22   Oct-12-09 01:05 PM   #78 
  - I think earthquakes may be a little different  Blue_In_AK   Oct-12-09 01:24 PM   #80 
  - Her house is gone, but she owns the land (fee-simple) free and clear?  flvegan   Oct-12-09 12:20 AM   #8 
  - she wants us  MichaelHarris   Oct-12-09 12:23 AM   #11 
  - Well then pity her. Want in one hand  flvegan   Oct-12-09 12:37 AM   #17 
  - She wants a home with no mortgage!  Chemisse   Oct-12-09 06:54 AM   #49 
  - They do it for the same reason as the bailouts  Confusious   Oct-12-09 12:22 AM   #10 
  - If the entire $80,000 had to go to the mortgage company then she did not  RB TexLa   Oct-12-09 12:24 AM   #13 
  - I believe your anger at the beach dweller may well be misplaced.  merh   Oct-12-09 12:31 AM   #16 
  - nope  MichaelHarris   Oct-12-09 12:39 AM   #18 
  - You couldn't get insurance if you built on a volcano.  merh   Oct-12-09 12:45 AM   # 
     - I'm in total agreement  MichaelHarris   Oct-12-09 12:49 AM   #20 
        - I do understand your position.  merh   Oct-12-09 12:56 AM   #27 
  - I lived in Texas City and  MichaelHarris   Oct-12-09 12:45 AM   #19 
  - Like I said, they have handled the health care reform issue badly  merh   Oct-12-09 12:51 AM   #22 
     - I wonder  MichaelHarris   Oct-12-09 12:57 AM   #28 
        - If you had proof that you lost your roof, you had proof that the wind  merh   Oct-12-09 01:06 AM   #31 
  - I remember your story from when this was happening.  truedelphi   Oct-12-09 01:49 AM   #41 
  - LOL - I know what you mean - I don't know of any calamity proof  merh   Oct-12-09 02:12 AM   #43 
     - Well I imagine that you can't pay much for earthquake insurance in LA.  truedelphi   Oct-12-09 02:15 AM   #44 
  - +1 : from a former resident  waiting for hope   Oct-12-09 09:40 AM   #53 
  - There has been controversy here in NY as well about rebuilding houses in known  BrklynLiberal   Oct-12-09 12:50 AM   #21 
  - I see footage  MichaelHarris   Oct-12-09 01:13 AM   #33 
     - Between banks and insurance companies.....we are all victims  BrklynLiberal   Oct-12-09 06:03 PM   #89 
  - Is her race an important part of your story?  pnwmom   Oct-12-09 12:52 AM   #23 
  - yup it is  MichaelHarris   Oct-12-09 12:54 AM   #25 
  - I disagree. The issue is privilege, not race -- and they don't always coincide. n/t  pnwmom   Oct-12-09 04:27 AM   #48 
  - Her race makes it ok....  MellowDem   Oct-12-09 10:16 AM   #59 
     - +1 n/t  tammywammy   Oct-12-09 10:21 AM   #61 
  - Give her a fema trailer.  aikoaiko   Oct-12-09 12:54 AM   #24 
  - those are  MichaelHarris   Oct-12-09 12:56 AM   #26 
  - would you stop that.  merh   Oct-12-09 12:59 AM   #29 
     - I'm sorry for your  MichaelHarris   Oct-12-09 01:05 AM   #30 
        - thank you  merh   Oct-12-09 01:09 AM   #32 
        - I went through  MichaelHarris   Oct-12-09 01:14 AM   #35 
           - I've been through more than I can remember.  merh   Oct-12-09 01:30 AM   #39 
        - I live in the Keys  cwydro   Oct-12-09 12:56 PM   #76 
  - Yeah one with a good dose of formaldehyde  lonestarnot   Oct-12-09 09:43 AM   #54 
  - Give the beach 'access' back to the people... the beach is ours anyway  JCMach1   Oct-12-09 01:13 AM   #34 
  - back in the 70s  MichaelHarris   Oct-12-09 01:17 AM   #36 
  - Let's not insure anyone living in Tornado Alley.Or New Orleans.Or the flood plains of the Ohio River  Hekate   Oct-12-09 01:36 AM   #40 
  - She got her pay off  Raineyb   Oct-12-09 02:21 AM   #45 
  - It really depends on her policy whether or not she's entitled  laughingliberal   Oct-12-09 10:52 AM   #65 
     - Her policy said she was entitled to 80 grand.  Raineyb   Oct-12-09 12:08 PM   #69 
  - gimmie a sec  MichaelHarris   Oct-12-09 04:19 AM   #47 
  - She was insured. The insurance paid. She paid the mortgage  Obamanaut   Oct-12-09 08:23 AM   #50 
  - It's about risk  proud2BlibKansan   Oct-12-09 09:31 AM   #51 
  - I hate when people bring up tornado alley and try to compare it  TwilightGardener   Oct-12-09 10:10 AM   #56 
     - Agreed. I wonder how many of these people actually know what a tornado is like.  JVS   Oct-12-09 10:14 AM   #57 
        - Yep. My house on the plains of Nebraska has stood for 135 years--  TwilightGardener   Oct-12-09 10:23 AM   #62 
  - What difference does her race make? n/t  Skip Intro   Oct-12-09 01:55 AM   #42 
  - Visit  MichaelHarris   Oct-12-09 04:17 AM   #46 
     - You are falling victim to what is commonly referred to as "racial profiling".  armyowalgreens   Oct-12-09 12:55 PM   #74 
  - Your post is bullshit. She's not well off, Soc. Sec. her only income. Her house was 1300 sq ft.  Skip Intro   Oct-12-09 09:59 AM   #55 
  - But she's white  tammywammy   Oct-12-09 10:16 AM   #58 
     - now  MichaelHarris   Oct-12-09 03:43 PM   #86 
  - Have you ever been to the ocean in a populated area?  annabanana   Oct-12-09 10:19 AM   #60 
  - the poor  MichaelHarris   Oct-12-09 03:36 PM   #85 
  - Simple solution for anyone wanting a beach house....  FloriTexan   Oct-12-09 10:33 AM   #63 
  - But she was "free to choose" where she lived, and free to endure the consequences!  DailyGrind51   Oct-12-09 10:38 AM   #64 
  - Federal flood insurance is hideously abused  blindpig   Oct-12-09 11:15 AM   #66 
  - She should rebuild in a below sea level hole....New Orleans.  deaniac21   Oct-12-09 11:47 AM   #67 
  - So many people with 2 homes...  undeterred   Oct-12-09 12:53 PM   #72 
  - NOLA  MidwestRick   Oct-12-09 01:04 PM   #77 
  - What an asinine thing to say.  Swamp Rat   Oct-12-09 01:51 PM   #82 
  - Excuse me?  KamaAina   Oct-12-09 01:54 PM   #83 
     - Live in a flood plain  MidwestRick   Oct-12-09 02:33 PM   #84 
        - Live next to a Great Lake or the Illinois and Mississippi Rivers  Swamp Rat   Oct-12-09 03:49 PM   #87 
           - Agreed.  MidwestRick   Oct-12-09 04:16 PM   #88 
  - We have the same problem here on the coast of North Carolina. Those barrier islands are  bertman   Oct-12-09 01:44 PM   #81 

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