Ian just exploded.

kent_island_sailor

Super Anarchist
27,275
5,186
Kent Island!
My insurance is also through USAA. They apparently have different underwriters depending on where you live.
If you save 5 times what I pay, I am imaging paying like $20,000/yr for insurance :eek:
We are lucky, we didn't plan it, but we are up on what passes for high ground on a flat island, it would take three or four more feet of water than what we had in Isabel to get to our house, maybe the ones two blocks away that ended up being flooded pay more.
Thread drift: GET SEWER INSURANCE! We had a huge flooding storm that dumped so much water on the island that I had to tie my dinghy to a tree, it was in the front yard and was floating away. It wasn't tidal flooding, just way more water than could drain. The houses lower than us had fountains of sewage coming up from the toilets :sick:
They discovered this is not covered by standard insurance! You need sewer insurance for this. It isn't expensive, mine was about $50/year to add to homeowners.
 

accnick

Super Anarchist
3,259
2,287
If you save 5 times what I pay, I am imaging paying like $20,000/yr for insurance :eek:
We are lucky, we didn't plan it, but we are up on what passes for high ground on a flat island, it would take three or four more feet of water than what we had in Isabel to get to our house, maybe the ones two blocks away that ended up being flooded pay more.
Thread drift: GET SEWER INSURANCE! We had a huge flooding storm that dumped so much water on the island that I had to tie my dinghy to a tree, it was in the front yard and was floating away. It wasn't tidal flooding, just way more water than could drain. The houses lower than us had fountains of sewage coming up from the toilets :sick:
They discovered this is not covered by standard insurance! You need sewer insurance for this. It isn't expensive, mine was about $50/year to add to homeowners.
We don't pay anything like $20k. More like $5k, but that's after all the hurricane mitigation discounts are applied. Ironically, even though we qualify for more, they will only discount your insurance a certain percent., and we have that maxed out.

We also have FEMA flood insurance, which we aren't required to have because we have no mortgage. One corner of our house touches the flood zone, so if we had a mortgage, most lenders would require flood insurance. I just paid that bill a few days ago, which was about $1100.

That way we don't have to argue about coverage if we have storm damage from either rising water (flood) or falling water (storm).

I have to check to see what the named storm deductible is, but that's about the only way other than hurricane mitigation items that you can reduce your premiums. I think that deductible is about 2% of the insured value.

On the plus side, our property taxes are fairly low, thanks to Florida's homestead exemption, which locks in increases in property taxes to about 3% per year for a homesteaded primary residence.
 

nota

Anarchist
well yes they were paying 4 5 6 k a year for an avg home for wind only plus 1000 to 1500 flood the last few years
but the home prices went up up up and so did building materials
then they get hit by this

expect the prices to go way up next year flood also by the feds
wind aka hurricane was a package with fire theft liability ect
but no more so wind is one payment then flood to the feds
and then you get homeowners ins fire theft ect
bet 23 they bill over 10k avg total

I have none no ins except the car basic demand to get a tag in fla
own the house armored the roof over a tripled thick ply screwed and glued base and steel shutters over the claimed old hurricane windows when the post andrew eye wall replacement roof started to leak

Bahama inspired over built roof
we spent the cash before the price run up
with very cheap neighbor labor and hunting deals for plywood and metal roofing still spent 25k on about 1600 sq ft of roof

no pro would bid the job
only to code they will not try over the minimum ie to code

code is no glue no screws nail in one layer only roof deck
no lapping the metal no bend the ends down no doubling the metal sheets all not to code

we got the head guy to come out and understand why we wanted a 200 mph roof and OK our plan

guess one could spend close to 50K today esp with current labor
and that is on a 1300sqft CBS 3X2

so I do not expect track homes to get that style roof
 

Rasputin22

Rasputin22
13,920
3,471
I posted earlier about the lighthouse and how it was still standing but looked to me from the after storm aerial photos that is had lost one leg. Sadly that seems to be the case...

1664758258618.png
 

Sail4beer

Usual suspect
10,059
3,442
Toms River,NJ

Article about a woman finding her late mother’s boat among the wreckage under the Ft. Meyers bridge. I saw drone footage of the area and it seems that the bars and marinas were destroyed. I saw many of the derelict zombie fleet still on their moorings…you can’t kill a Grampain 26 or any similar shitbox it seems.
 
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DryArmour

Super Anarchist
Drowning in those conditions --- brutal... just brutal...
I have a friend who lives in the heart of the area that was hit hard by storm surge. When she asked me if I thought it would be safe in a closet with no windows I replied "No, probably not." Then she noted that there was a hatch in the closet that would allow her and her older brother who she planned to hold up with to "escape to the attic" so I asked her: "How will you escape from the attic when the water tops the roof?" It had not occurred to her that the water could get that high. Apparently, she wasn't the only one. Sad.
 

kent_island_sailor

Super Anarchist
27,275
5,186
Kent Island!
I have a friend who lives in the heart of the area that was hit hard by storm surge. When she asked me if I thought it would be safe in a closet with no windows I replied "No, probably not." Then she noted that there was a hatch in the closet that would allow her and her older brother who she planned to hold up with to "escape to the attic" so I asked her: "How will you escape from the attic when the water tops the roof?" It had not occurred to her that the water could get that high. Apparently, she wasn't the only one. Sad.
Being out loose swimming is not necessarily all that much better. I have been out in 100+ knots and the wave tops were being whipped off into a froth that would be VERY hard to breath. A couple that went overboard from a boat near us in that storm both drowned :(
 

Raz'r

Super Anarchist
62,405
5,551
De Nile
Being out loose swimming is not necessarily all that much better. I have been out in 100+ knots and the wave tops were being whipped off into a froth that would be VERY hard to breath. A couple that went overboard from a boat near us in that storm both drowned :(
One of the scariest experiences I had relayed to me was a survivor of the Low Speed Chase grounding. His life jacket would not keep him above the breaking water as it was too aerated/not dense enough. He only survived as he was thrown onto shore.
 

Sail4beer

Usual suspect
10,059
3,442
Toms River,NJ
Make sure you never get caught in bad weather with anything less than a top notch pfd. I had to abandon a weak one to keep from drowning a while back.
 

P_Wop

Super Anarchist
6,929
3,985
Bay Area, CA
One of the scariest experiences I had relayed to me was a survivor of the Low Speed Chase grounding. His life jacket would not keep him above the breaking water as it was too aerated/not dense enough. He only survived as he was thrown onto shore.
It was the same in the '79 Fastnet. Anyone in the water with a PFD just drowned in the spray.
 

longy

Overlord of Anarchy
6,825
1,160
San Diego
One of the scariest experiences I had relayed to me was a survivor of the Low Speed Chase grounding. His life jacket would not keep him above the breaking water as it was too aerated/not dense enough. He only survived as he was thrown onto shore.
This is why crotch straps must be used. They will keep they bladder down lower on your chest, keeping your head much higher. When you see pics of people, in any style of life jacket with no crotch strap, the flotation ends up in a ring around thier heads.

I directly experienced something this. In my younger days, in great shape, drove out to Makapuu Bch to go bodysurfing during a big N swell. The beach to 1/2 way out was closed out on every wave - but if you could get out to the peak there were great 6 - 8' waves. As we walked down the beach we went over to talk to the lifegaurd. He said he'd seen us here before, we could try, but he wouldn't get into the water if we got into trouble. I went in from the beach, spent 40 minutes trying every method I knew of or concocted on the spot but could not get more than 50 yds out. Big current sweeping in, no break from close out waves, and the top foot of water was just foam. No traction for arms or fins. Tried swimming underwater, no advance there either. Gave up & was on the beach 2 minutes later. My brother scrambled out on the rock point, gained about 25 yds doing that, but got no further than I did. Lifeguard did say we'd made it out further than other's attempts. We considered swimming all the way around from Makai pier, but decided that was too much work
 

floater

Super Duper Anarchist
4,941
798
quivira regnum
His life jacket would not keep him above the breaking water as it was too aerated/not dense enough.
happened to me surfing Ocean beach (SF). anybody who has surfed there will understand - but if you haven't surfed there, maybe not. ;)

for some reason I thought it was hilarious - just hanging there suspended in the froth. not rising. about as close to drowning as I've ever come. before or since. (not to compare with the Farallon disaster tho. nfw).
 

Zonker

Super Anarchist
9,754
5,722
Canada
Well this is a very far south TS/Hurricane.

Know anybody in San Andreas or Providencia, Colombia? Right in the path. NOAA kindly put little pink dots on them. Wouldn't take much to hit the Bay Islands of Honduras as well.

1665084726009.png
 

dacapo

Super Anarchist
13,651
1,576
NY
We do. Cayo Chachuate segundo That’s very south. The the mountains of Nicaragua and southern Honduras will come put a kibbsh on that storm before it gets to the Caribbean side I hope
 




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