Tropical storm Irene approaches

shel90 said:
Ok so if a rare hurricane hits you and your house gets damaged, your insurance will cover the costs even though you dont have hurricane insurance?

Just making sure.
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Shel, you really need to call your insurance agent to get a good answer to that. We have homeowner's insurance, flood insurance, and wind insurance on our NC house. Homeowner's is around $700 a year, flood insurance is less than $500, but wind insurance is better than $4,000. Each policy covers different risks.

On our VA house, we have a different combination. We have an add-on for wind to cover hurricanes here, not a separate policy.

I have fingers and toes crossed that our NC house is OK. This Youtube shows the major, major flooding on the main road just down the road from us a couple miles:

"http://www.youtube.com/watch?v=UnuHQrcAb2c&feature=player_embedded#!"

I am hoping and praying that our house is like the gas station shown on a little bit of rise. If we are as underwater as the rest of the businesses and homes shown, then it's bye-bye little car, bye-bye ground floor furnishings (laundry room, bedroom and bathroom), and our pool will be a mess.

Sound-side flooding came into our neighborhood 3 streets up from the Sound, further than it ever has before, but we are higher than that would have been.

The main highway flooding is what we're worried about - we have about the equivalent of 3 house-lots in depth, although it's undeveloped dunes and shrubs and so on.
 
Beach girl said:
Shel, you really need to call your insurance agent to get a good answer to that. We have homeowner's insurance, flood insurance, and wind insurance on our NC house. Homeowner's is around $700 a year, flood insurance is less than $500, but wind insurance is better than $4,000. Each policy covers different risks.

On our VA house, we have a different combination. We have an add-on for wind to cover hurricanes here, not a separate policy.

I have fingers and toes crossed that our NC house is OK. This Youtube shows the major, major flooding on the main road just down the road from us a couple miles:

"http://www.youtube.com/watch?v=UnuHQrcAb2c&feature=player_embedded#!"

I am hoping and praying that our house is like the gas station shown on a little bit of rise. If we are as underwater as the rest of the businesses and homes shown, then it's bye-bye little car, bye-bye ground floor furnishings (laundry room, bedroom and bathroom), and our pool will be a mess.

Sound-side flooding came into our neighborhood 3 streets up from the Sound, further than it ever has before, but we are higher than that would have been.

The main highway flooding is what we're worried about - we have about the equivalent of 3 house-lots in depth, although it's undeveloped dunes and shrubs and so on.
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We already called and filed a claim this morning. Cant do much about it until the adjuster contacts us.
 
everything's all good. My friend and sheila in Boston are facing Irene's wrath. Power's still on. Several towns did not fare well. Some were flooded and out of power. I'm going out riding now to look around damaged area.
 
Jiro said:
everything's all good. My friend and sheila in Boston are facing Irene's wrath. Power's still on. Several towns did not fare well. Some were flooded and out of power. I'm going out riding now to look around damaged area.
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Be careful. The backside of a hurricane can be just as bad wind wise (trees & branches falling, etc)
 
Jiro said:
everything's all good. My friend and sheila in Boston are facing Irene's wrath. Power's still on. Several towns did not fare well. Some were flooded and out of power. I'm going out riding now to look around damaged area.
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I just heard 15 people had dies from the storm ! That is is awful sad!
My power is still on but Comcast stopping working on TV!
 
rockin'robin said:
watching the news....the flooding in Pa. is horrific.....
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I was talking to a friend that live in Pa and she said she was losing her power.
I will have to try and call her tonight .



We have apples trees in front yard, we could end up with applesauce all over the yard!
 
AlleyCat said:
Homeowner's insurance is based on the value of the home. So it's understandable that it's different in different areas, based on that area's home values. (Of course, there's other mitigating factors, such as risk and so forth.)
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Our policy covers actual replacement of building and personal property. That doesn't matter about the potential sales value of the home.

It's more about risk and each state's insurance laws than the area's selling value.
 
Jiro said:
everything's all good. My friend and sheila in Boston are facing Irene's wrath. Power's still on. Several towns did not fare well. Some were flooded and out of power. I'm going out riding now to look around damaged area.
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Thanks for the update. I hope that you find your friend and Sheila okay.
 
Beach girl said:
. . . I have fingers and toes crossed that our NC house is OK . . .I am hoping and praying that our house is like the gas station shown on a little bit of rise. If we are as underwater as the rest of the businesses and homes shown, then it's bye-bye little car, bye-bye ground floor furnishings (laundry room, bedroom and bathroom), and our pool will be a mess.

Sound-side flooding came into our neighborhood 3 streets up from the Sound, further than it ever has before, but we are higher than that would have been.

The main highway flooding is what we're worried about - we have about the equivalent of 3 house-lots in depth, although it's undeveloped dunes and shrubs and so on.
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When will you know?
 
whatdidyousay! said:
I just heard 15 people had dies from the storm ! That is is awful sad!
My power is still on but Comcast stopping working on TV!
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You're right.


Officials have blamed at least 15 deaths across the affected region on Irene -- one each in Connecticut, Maryland and Florida, two in New Jersey, six in North Carolina and four in Virginia.

I heard something about a tree fell and knocked a chimney down. The chimney fell on an old lady and killing her. So sad. :( Trees should be called silent killers. I have two huge oak trees standing over my bedroom roof.:pissed:No, I dont have a death wish. :lol:
 
About insurance.

Our deductibles are 1% for everything except earthquake. Earthquake deductible is 5%.

Depending on which Zone we live in, the premium for wind/hail coverage varies. It can be anywhere from 33% to 80%. That appears to be a good chunk of the premium cost.

We do get an annual discount of $442 for being claim free, and $353 for the home/auto. Our annual premium totals $1,554. If we didn't have the discounts, it would be over $2,000.
 
whatdidyousay! said:
I want to take Marty out but I do not want anything blowing into his eyes as he so close to the ground.
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u can put that newspaper, towel, paper towel or old material underneath with any kind of plastic on tile or vinyl floor. Do u have garage or basement? Next time buy a potty pads for dog at pet store.
 
Got a message from my Aunt in Surf City, NC her home is fine, and they never lost power. Phew!!
 
It's truly been a blessing that Irene didn't landfall at Cat 3. Big sigh of relief!
 
Babyblue said:
Got a message from my Aunt in Surf City, NC her home is fine, and they never lost power. Phew!!
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Surf City....my sisters live in Hampstead and I worked at Surf City for awhile after I retired (part owner of a thrift shop).....Just loved it there! But I knew of no deafies living there....

Will try to call my sisters again later tonight to see if things are better if the phone lines are not down...
 
Lavender said:
u can put that newspaper, towel, paper towel or old material underneath with any kind of plastic on tile or vinyl floor. Do u have garage or basement? Next time buy a potty pads for dog at pet store.
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I was able to get Marty out when the wind dies down but he did not go! GRRR He has this annoying habit of lifting his hind leg to pee then he decides it not the right spot! The wind started to pick up again so we when back in and still has not peed . I do not want Marty thinking it ok to pee on the floor .
 
Reba said:
About insurance.

Our deductibles are 1% for everything except earthquake. Earthquake deductible is 5%.

Depending on which Zone we live in, the premium for wind/hail coverage varies. It can be anywhere from 33% to 80%. That appears to be a good chunk of the premium cost.

We do get an annual discount of $442 for being claim free, and $353 for the home/auto. Our annual premium totals $1,554. If we didn't have the discounts, it would be over $2,000.
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:hmm: Is the earthquake coverage higher because it has the potential to cause more structural damage?
 
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