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Post by madm002 on Oct 24, 2024 12:52:06 GMT -5
Interesting read.. www.wsj.com/opinion/taxpayers-pay-people-to-be-hurricane-risk-takers-natural-disasters-insurance-a7cf5867?st=oBReVT&reflink=desktopwebshare_permalinkHere is the most important paragraph (since you are all too busy to read the article) The climate press tends to picture social meltdowns and global strife from millions of people gradually having to relocate or change their practices. But adaptation is survival. Florida and other tropical areas will hardly be denuded of people even if storms are stronger and summers hotter. In an unlikely summoning of congressional spine on subsidized insurance, even then Americans would build on coastal plains. They would insure their own risks from their personal piggy banks if necessary; they would build more cheaply so they could afford a total loss every 30 years or so. That’s how Americans survived before federal flood insurance in 1968, shouldering the full cost for the amenities they value. And Americans today are richer and have better risk-management tools at their disposal. What are your thoughts? |
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Post by gardawg on Oct 24, 2024 13:11:39 GMT -5
 Adapt Innovate Overcome ... |
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Post by tampaspicer on Oct 24, 2024 13:22:16 GMT -5
Most definitely less populated around flood prone areas. There's plenty of dry land in the state so I believe people will still come.
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Post by mackeralsnatcher on Oct 25, 2024 2:51:09 GMT -5
IF you are gonna build on a barrier island you should be able and/or mandated to self insure.
They are called "barrier islands" for a reason.
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Post by WidespreadPanic on Oct 25, 2024 6:58:08 GMT -5
Do away with insurance all together and watch housing prices tumble. With that watch building prices and materials drop. Same can be said for any insurance- health, car, pet, etc.
I also think FEMA should only offer assistance for homesteaded properties.
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Post by ferris1248 on Oct 25, 2024 7:52:32 GMT -5
Do away with insurance all together and watch housing prices tumble. With that watch building prices and materials drop. Same can be said for any insurance- health, car, pet, etc. I also think FEMA should only offer assistance for homesteaded properties. That's an interesting thought. Something to chew on. |
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Post by gardawg on Oct 25, 2024 8:10:35 GMT -5
I think FEMA should first focus on protecting life and then focus on protecting property.
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Post by bswiv on Oct 25, 2024 8:10:41 GMT -5
Most definitely less populated around flood prone areas. There's plenty of dry land in the state so I believe people will still come. Yes.......this........... |
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Post by WidespreadPanic on Oct 25, 2024 11:53:37 GMT -5
I think FEMA should first focus on protecting life and then focus on protecting property. Agreed. |
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Post by whitebacon on Oct 25, 2024 15:24:19 GMT -5
Do away with insurance all together and watch housing prices tumble. With that watch building prices and materials drop. Same can be said for any insurance- health, car, pet, etc. I also think FEMA should only offer assistance for homesteaded properties. Government doesn't require insurance, the bank does, if there is a mortgage. Flood Insurance, is only required in flood zones, and then can be contested with updated elevation certs. Of course, the flood maps are a joke, in many cases. Personally, I'd rather see property taxes shrink by a bunch. Start with the school board BS. Everything on the property tax bill should be collected via VAT tax on goods sold, IMO. Insurance as a whole, is definitely a racket, all kinds of insurance, but I will stay out of that discussion for now. |
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Post by mackeralsnatcher on Oct 25, 2024 15:39:10 GMT -5
Do away with insurance all together and watch housing prices tumble. With that watch building prices and materials drop. Same can be said for any insurance- health, car, pet, etc. I also think FEMA should only offer assistance for homesteaded properties. Government doesn't require insurance, the bank does, if there is a mortgage. Flood Insurance, is only required in flood zones, and then can be contested with updated elevation certs. Of course, the flood maps are a joke, in many cases. Personally, I'd rather see property taxes shrink by a bunch. Start with the school board BS. Everything on the property tax bill should be collected via VAT tax on goods sold, IMO. Insurance as a whole, is definitely a racket, all kinds of insurance, but I will stay out of that discussion for now. I mentioned it in another post that I've lived in the same house for 40 years and have been in and out of a flood zone 4 times Every time they redraw them it's different. It's a fucking joke.
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Post by jstubby2 on Oct 25, 2024 16:11:51 GMT -5
(I also think FEMA should only offer assistance for homesteaded properties)
A lot of people's home's in high risk area's are weekend or vacation home's for the most part with a homesteaded property (primary residency) somewhere else. I don't think we should use government money for anything but primary residence.
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Post by tonyroma on Oct 25, 2024 20:43:42 GMT -5
(I also think FEMA should only offer assistance for homesteaded properties) A lot of people's home's in high risk area's are weekend or vacation home's for the most part with a homesteaded property (primary residency) somewhere else. I don't think we should use government money for anything but primary residence. Yup, our federal tax dollars are going to go to somebodies Air B&B. |
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Post by Stumpy on Oct 26, 2024 10:57:43 GMT -5
(I also think FEMA should only offer assistance for homesteaded properties) A lot of people's home's in high risk area's are weekend or vacation home's for the most part with a homesteaded property (primary residency) somewhere else. I don't think we should use government money for anything but primary residence. So, my question is...Why would you single one type of business for non assistance. v.s. other businesses impacted by a weather even? |
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Post by garycoleco on Oct 26, 2024 11:26:11 GMT -5
FEMA should never set foot in private property or offer assistance
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Post by WidespreadPanic on Oct 26, 2024 12:50:05 GMT -5
(I also think FEMA should only offer assistance for homesteaded properties) A lot of people's home's in high risk area's are weekend or vacation home's for the most part with a homesteaded property (primary residency) somewhere else. I don't think we should use government money for anything but primary residence. So, my question is...Why would you single one type of business for non assistance. v.s. other businesses impacted by a weather even? If they can’t afford insurance then their business model is not working. |
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Post by Stumpy on Oct 26, 2024 14:40:54 GMT -5
So, my question is...Why would you single one type of business for non assistance. v.s. other businesses impacted by a weather even? If they can’t afford insurance then their business model is not working. Ahhh...i looked it up. The home has to be your primary resident for FEMA assistance. Businesses are sent to the Small Business Administration to see if they qualify for a loan. |
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Post by jstubby2 on Oct 26, 2024 16:48:27 GMT -5
Well there ya go, as it should be.
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Post by restlessnative on Oct 29, 2024 15:08:49 GMT -5
I had my FEMA inspection on my primary residence today as i applied for money and rental assistance since i have to rent a place now. Will see how it goes. The guy said they will deny the claim to begin with, but once they get all the needed paperwork it should go through. One of the things they require though is a copy of my insurance settlement which i probably wont get for another 2-3 months, so who knows when i will get anything.
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Post by swampdog on Oct 30, 2024 16:04:40 GMT -5
If insurance wasn’t possible in Florida our state would be populated on the coastal lands by the very wealthy that could just knock the damaged down and rebuild. We’d also have some of us “commoners” that would just gamble that the storm might miss them.
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Post by johngalt on Oct 30, 2024 19:14:51 GMT -5
If insurance wasn’t possible in Florida our state would be populated on the coastal lands by the very wealthy that could just knock the damaged down and rebuild. We’d also have some of us “commoners” that would just gamble that the storm might miss them. Imagine what Florida would look like today if air conditioning had never been invented. 🤔 |
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Post by gardawg on Oct 30, 2024 19:39:09 GMT -5
If insurance wasn’t possible in Florida our state would be populated on the coastal lands by the very wealthy that could just knock the damaged down and rebuild. We’d also have some of us “commoners” that would just gamble that the storm might miss them. Imagine what Florida would look like today if air conditioning had never been invented. 🤔 Not many people and the few that are here would be skinny. |
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Post by GaryS on Oct 31, 2024 4:55:57 GMT -5
I lived in Florida with no air conditioning. When I bought my house in 1984 it didn't have it. But the wife and I both were skinny.
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Post by johngalt on Oct 31, 2024 6:33:35 GMT -5
I lived in Florida with no air conditioning. When I bought my house in 1984 it didn't have it. But the wife and I both were skinny. Seems most people were skinny back then. 😁 |
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Post by swampdog on Oct 31, 2024 8:01:58 GMT -5
Yep — we didn’t have ac until I was 14. I could go back in a heartbeat, especially if part of the incentive was the population was still around a little over a million…
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Post by stc1993 on Oct 31, 2024 20:59:44 GMT -5
I lived in Winter Garden-Ocoee area 15 years growing up. Never had AC. Only got a phone the last 3 years.
Still remember the phone number.
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Post by Captj on Nov 3, 2024 5:09:08 GMT -5
I lived in Winter Garden-Ocoee area 15 years growing up. Never had AC. Only got a phone the last 3 years. Still remember the phone number. How about party lines? Not political either. |
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Post by stc1993 on Nov 3, 2024 7:04:26 GMT -5
Yep it was a party line.
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