Parts of Florida have many pluses for retirees - not this week though (retired, cousins)
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How are you going to prove that all the damage to the walls, floors, electrical, furniture, appliances, etc was due to rain and not due to the 6 feet of water in your house? That's the conundrum that all homeowner
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Wont the insurance inspector know the difference ? if it is from the sky,it would ruin the fabric of sofa ?
Also you are not the only one who is covered,if all your neighbors have the same problem,it is easy to tell where the water comes from?
By the way,FEMA does not always cover flood damage if you use your basement as an office and your electronic devices and office furniture are flooded?
How are you going to prove that all the damage to the walls, floors, electrical, furniture, appliances, etc was due to rain and not due to the 6 feet of water in your house? That's the conundrum that all homeowner
--------------
Wont the insurance inspector know the difference ? if it is from the sky,it would ruin the fabric of sofa ?
Also you are not the only one who is covered,if all your neighbors have the same problem,it is easy to tell where the water comes from?
By the way,FEMA does not always cover flood damage if you use your basement as an office and your electronic devices and office furniture are flooded?
I doubt many if any homes on Florida coast have basements. These living rooms were totally under water, so the sofa fabric and everything else would be ruined. Saw video with a refrigerator floating near someone’s ceiling in their kitchen. It seems pretty hard to say that’s from rain and not storm surge.
Very sad video because very likely the woman (64) who posted it on FB didn’t survive. She is sitting on microwave holding her cat telling her family they don’t have long there…
SANFORD, Fla.—Florida homeowners had reduced their flood insurance coverage in the years before Hurricane Ian dumped up to 15 inches of rain on the state, inundating coastal and inland areas.
Only a small number of residences in two of Florida’s hardest-hit inland counties are covered by flood insurance. The percentage of protected homes is higher in coastal areas that sustained the most damage, but still, is over 50% in just one of the affected counties, according to an analysis by Neptune Flood, a private-sector flood-insurance provider.
In all locations pummeled by Ian, the percentage of homes covered by flood policies is down from five years ago.
It goes on:
Quote:
When Amber Thorne woke up Thursday in Sanford in Seminole County, she was stunned to find that a creek overflowed and flooded her yard. She doesn’t have flood insurance for her two-bedroom house. “I’m regretting not having it,” she said.
About 97% of residences in Seminole County and 98% in Orange County, home to Orlando, don’t have flood insurance, according to Neptune. Neptune Chief Executive Trevor Burgess said that based on policies his company sells statewide, in general about a third of the residential properties in Florida’s inland counties are identified on government maps as at high risk of flooding. That compares with 85% for many coastal counties.
For anyone still looking for people, spread the word. There are two websites run by state.......one to report missing people and one to report you are safe.
I believe the missing one lets you ask leo to check on the missing.
I've been keeping an eye on solar technology. Your panels are on your roof and no problems from wind?
They are on the south and west roof and they had no problem at all. It depends on how well the roofers and solar people do their installations. We went with a local solar company who’s been in business for 30 years with solar pool heaters and added residential solar when it became available.
Out of 5+ estimates, they were the only one that looked at our electrical box and they wanted to see that before talking to us. They rewired our electrical panel and added an auxiliary panel. The batteries they recommended are lithium iron phosphate which are stable, long-lasting and can handle heat well which make them safer. Not as sexy as as Tesla’s Wall, but a good choice for us.
The company we went with did not offer financing and that’s where solar companies make money. It’s currently pretty shady out there with solar companies.
If the roof is good, a good solar installation can reinforce the roof. There were examples of that from hurricane Michael. Insurance companies down here are using every trick in the book to drop customers though and solar is just one excuse they use. Some are going as far to say you are considered a corporation if receiving money from the utility company for metering and therefore can’t be considered residential.
When we lived in Seminole County, we did not have flood insurance. But then when we were looking at houses, we were always thinking about how they would fare through a really wet hurricane. Wound up buying up on a sand ridge and never even came close to having a water problem, even through the Charley/Frances/Jeanne trio in 2004. Passed on some homes near creeks or large ponds/small lakes.
But a lot of places in the area would flood even in just really rainy couple of days in the summer so I can imagine what they were like after Ian. And I can understand the 97% of homeowners in Seminole not having flood insurance as the attitude always seemed to be that it was only needed for someone who lived on the coast. There was even a post on one of the forums mocking as silly someone who lived in the Orlando area and was concerned about possible flooding as Ian approached.
As with many disasters, folks think that it will never happen to them. Until it does
When we lived in Seminole County, we did not have flood insurance. But then when we were looking at houses, we were always thinking about how they would fare through a really wet hurricane. Wound up buying up on a sand ridge and never even came close to having a water problem, even through the Charley/Frances/Jeanne trio in 2004. Passed on some homes near creeks or large ponds/small lakes.
But a lot of places in the area would flood even in just really rainy couple of days in the summer so I can imagine what they were like after Ian. And I can understand the 97% of homeowners in Seminole not having flood insurance as the attitude always seemed to be that it was only needed for someone who lived on the coast. There was even a post on one of the forums mocking as silly someone who lived in the Orlando area and was concerned about possible flooding as Ian approached.
As with many disasters, folks think that it will never happen to them. Until it does
Yep. The flooding in Orlando is unheard of until now as far as I know.
I live about 40 miles north inland and we rarely get wide spread flooding. But, there are multiple neighborhoods that have trouble spots that flood badly and probably into some peoples homes with this storm. As well as spots that flood making it impossible to get in and out of neighborhoods.
Everyone knows these spots. Before buying in FL always check this with neighbors, facebook groups, next door type sites etc.
I'm not in a flood zone; but, I decided out of an abundance of caution to get it. This was recently (maybe 2018 or 2019). It was only like $575 a year or something around that amount. So, then, the next year it doubled. I admitted to my insurance agent he was right that I would just be paying for everyone else since he didn't think I was at risk. So, I cancelled it.
I'm sure many people cancelled when it doubled in price.
They are on the south and west roof and they had no problem at all. It depends on how well the roofers and solar people do their installations. We went with a local solar company who’s been in business for 30 years with solar pool heaters and added residential solar when it became available.
Out of 5+ estimates, they were the only one that looked at our electrical box and they wanted to see that before talking to us. They rewired our electrical panel and added an auxiliary panel. The batteries they recommended are lithium iron phosphate which are stable, long-lasting and can handle heat well which make them safer. Not as sexy as as Tesla’s Wall, but a good choice for us.
The company we went with did not offer financing and that’s where solar companies make money. It’s currently pretty shady out there with solar companies.
If the roof is good, a good solar installation can reinforce the roof. There were examples of that from hurricane Michael. Insurance companies down here are using every trick in the book to drop customers though and solar is just one excuse they use. Some are going as far to say you are considered a corporation if receiving money from the utility company for metering and therefore can’t be considered residential.
Thanks for this info and perspective on solar. I've been considering it for years and it seemed obvious to me to wait until I replace the roof (which I have put off). I am concerned with having another thing attached to the house that has to be maintained and serviced.
For anyone still looking for people, spread the word. There are two websites run by state.......one to report missing people and one to report you are safe.
I believe the missing one lets you ask leo to check on the missing.
There's nowhere you can go to see the list of people found safe? You can only enter missing and found and never see the list? Not real helpful.
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