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Posted by Trina on May 7, 2007, 12:44 pm
hope this is within the scope of the acceptable topics
having lived and seen 1st hand the day-after hurricane andrew hit s.florida
and having participated in rebuilding the community, only to be hit with
multiple destructive hurricanes in 2005 (most damage by hurricane wilma), am
compelled to ask what might be a better way of handling the inevitable
losses, endless frustration with dealing with insurance company (it does not
matter if you have the coverage, if they decide to delay payment which holds
back any plans to pay for repairs and supplies)
have come to the conclusion that perhaps it's best I carry only catastrophic
coverage for house as it appears anything less than 10K in damage is not
worth to bother the insurance company and just keep 10K in cash stuffed in
watertight storage medium
also what prompted me to think about this is the destruction in greensburg,
kansas. just this morning NPR was interviewing a fellow who said he had full
insurance but I don't think his situation will be any different than the
thousands of people who are still waiting for their "full insurance" checks
after 10-15 years since the destruction in florida. perhaps insurers are
different in the gentle mid-west states.
when you add it all up, a good wallop of a storm can cost you several 10K's
in out-of-pocket expenses, lost wages, loss of jobs, loss of infrastructure
and even loss of access to banking as I experiences in 2005 when power was
gone for several weeks
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Posted by jIM on May 7, 2007, 2:48 pm
I feel for you. I don't have a good answer for your situation.
I generally "refuse" to live in an area prone to "weather" disasters.
Hurricanes can kill people. Tornados can kill people. earthquakes
can kill people. I think this is a financial/ quality of life/
personal decision each person makes for themself.
I choose to live in the north... I have yet to see snow kill someone.
Not being able to shovel it can be an issue, driving on it can be
difficult, and even if it's not snowing, it can still be cold... but
all of these assume I am still alive to complain about it.
I can also enjoy the snow by skiing, snow mobiling, sledding or other
winter activities.
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Posted by on May 8, 2007, 1:49 pm
> I feel for you. I don't have a good answer for your situation.
>
> I generally "refuse" to live in an area prone to "weather" disasters.
> Hurricanes can kill people. Tornados can kill people. earthquakes
> can kill people. I think this is a financial/ quality of life/
> personal decision each person makes for themself.
>
> I choose to live in the north... I have yet to see snow kill someone.
That's a silly statement. Lots of people have died in car accidents
caused by icy roads.
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Posted by Dave Dodson on May 8, 2007, 2:14 pm
On May 8, 12:49 pm, beliav...@aol.com wrote:
> > I choose to live in the north... I have yet to see snow kill someone.
>
> That's a silly statement. Lots of people have died in car accidents
> caused by icy roads.
Not to mention people who have falls or heart attacks while shoveling
12" of "partly cloudy skies" off their driveways.
Don't restrict yourself to the United States. The best place I have
found to live is in Kijabe, Kenya. At 7,500 ft altitude and almost on
the equator, the climate is among the world's best. The people who
live there are great, too.
Dave
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Posted by on May 9, 2007, 4:59 am
> On May 8, 12:49 pm, beliav...@aol.com wrote:
>
> > > I choose to live in the north... I have yet to see snow kill someone.
>
> > That's a silly statement. Lots of people have died in car accidents
> > caused by icy roads.
>
> Not to mention people who have falls or heart attacks while shoveling
> 12" of "partly cloudy skies" off their driveways.
>
> Don't restrict yourself to the United States. The best place I have
> found to live is in Kijabe, Kenya.
I don't know about Kijabe, but Nairobi has a horrific crime problem.
It's not a safe city at all.
At 7,500 ft altitude and almost on
> the equator, the climate is among the world's best.
Malaria seems to be increasing its range ie moving higher and further
north in Africa.
The people who
> live there are great, too.
This, I will agree. Most if not all Africans are great, but Kenyans
are especially so.
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