OUR OPINION — Life in a flood plain
June 25, 2011 at 8:00 pm in Grand Forks Herald
Is the threat of flooding making North Dakota ‘unlivable’? Absolutely not. Continue Reading
OUR OPINION — Life in a flood plain
6 Comments
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Whoever wrote this obviously has never had to claim flood insurance or didn’t do their homework before writing (whatever happened to researching something before you write it?).
Flood insurance isn’t as “cut and dried” as you assume HG Herald. The stipulations are endless and it can become a nighmare trying to get it approved.
Next time, bring some validity to your article. If flood insurance was that easy, everyone would already have it.
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For once I am in total agreement with Tom Dennis–he is right about buying flood insurance. Yes, there are stipulations but no more than any other insurance policy. If you are looking for flood insurance to pay for your finished basement then yes, you can forget it but if your house is flooded to the rafters you will get paid. Contents coverage must be purchased separately. It is not a valued policy , for example if your house is totally destroyed and it costs $150,000 to replace that is what you are paid. You can choose deductibles and there are coverage options. I have had flood insurance and it was not a nightmare getting it approved–it was well worth the $250.00/year that I paid.
Do you think there are no stipulations on other home owner policies, car insurance policies?
Reason why people don’t buy flood insurance: my house has never flooded. Well, my house has never burned, had a tornado hit it, etc. and it is still insured for these events. Why do you think regular insurance companies don’t sell flood insurance? Floods are more common and more costly and insurance companies are for profit. The other reason I hear and this one drives me nuts–the flood was a 100 year flood so it won’t happen again for 99 years. The 100 year flood term is statistical–you have a 1 in 100 chance of this flood occurring every day.
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Tom, you missed the point! 15,000 people, 4,000 to 5,000 homes (most with water OVER their main floors) have been devastated in Minot! Your petty tripe (the boy with his finger in the dike… you’ve got to be kidding me!) does nothing to inspire those of us who know similar devastation to reach out to Minot’s victims with a helping hand! We are supposed to worry about our flood insurance and narcissistic interests here while Minot victims were misled by their leaders ((US Corps of Engineers and National Weather Service). Sound familiar? Their heartbreak was once our heartbreaking experience. Minot had a severe housing shortage BEFORE their disaster. Their entire city and surrounding communities have lost their water supply while so many on higher ground remain in their homes! Not one ounce of compassion in your juvenile platitude. I am embarrassed that I read your childish, selfish article. I should have known better! And so it goes…..
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What point did Tom Dennis miss? He wrote an editorial. He picked the point he wanted to make and made it well. He was simply pointing out that we all need to learn from experience. My property in Grand Forks was flooded in 97. I had flood insurance, though it didn’t cover all the repair. Now that property is in the 500-year flood plain due to the dike and diversion. I am not required by my lender to have flood insurance, but I have it anyway.
Writing an editorial that tells us that we should learn from Minot’s misfortune is in no way childish and selfish. Dennis made a valid point. You made your point, carcassparker. It was not a valid response to the editorial.
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Just like flood insurance not being provided by private companies the same companies are now reeling from tornado, hurricane coverage. They will stop writing insurance in places like tornado alley and the Gulf Coast hurricane areas. Maybe they will go out of business and we will have a rational national insurance system just like Medicare.
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Get off your knees….. As long as corporate Amerika can make money from your illness or other misfortune/disaster, your government won’t touch it! Your federal government is controlled and owned by the monied interests of the wealthy. Poverty is growing at an exponential rate as we turn our government against the interests of the American worker (working poor). And so it goes…..
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