Hurricanes are the best example for any American that the federal government cannot or will not ever come to save you. In the offchance that they actually even try, it'll be embroiled in things like this. Bureaucracy and contracts that take three times as long to get half the work done, well after all the media has moved on (leaving them mostly unsupervised to do worse work).
Its also one of the best examples of how worthless insurance is as a service. Because you need 2-3 different insurances just to cover all the things a hurricane can do, and all of them won't pay you anyway.
You also need to sue all of them, because they might be able to prove in court that a dumper hitting your roof isn't covered under wind because the wind didn't do the damage but that falls under house insurance. And then they will just put it in a lump sum for the entire area, claiming they couldn't realistically give individual payouts to everyone, and you get 400$ for your trouble.
Its just a thing they do to wring dry dumb pensioners and naive new settlers from their money. Its all a scam.
And at that point, you might as well just put money on an attorney for a retainer instead of putting it an insurance company, since you'll need a lawyer anyway to get anything, and he might actually get you something out of all of it.
Alternatively, you just store all the money you'd spend on either and it'll cover the costs to things you'll need to repair anyway.
Hurricanes only hit the same areas every few years, and even less so major damaging ones. 8 or so years of saving a few hundred a month will add up to plenty.
I don't understand why we are still building homes with English architecture when it's clear that shit needs to be built different for different regions. It kind of annoyed me when I found out that Kansas had to make a law to require everyone to have a tornado shelter. What kind of idiot do you have to be to not invest in a tornado shelter in fucking Kansas. It seems like places like that should be investing a lot more in deeper homes and protective earthen mounds.
I suppose part of it is absolutely cost, but it kills me that we make McMansions in the exact same way at $500,000 and up. Hell, a lot of these homes don't even have 30 year shingles for their roofs. If you build shit right, and properly, you won't need high maintenance costs.
I know at least Florida recently made it legally required to have some sort of metal supports put onto the trusses of roofs that make them pretty impossible to just "rip off" like they used to.
Problem usually is though, if the weather is strong enough to do serious damage, very little can truly prevent it. You can prevent the damage from regular storms, like Louisiana building all its homes about 6 feet up or more. But the major ones will take a hit one way or another.
And unfortunately that means for most people the idea is "build cheap and replace cheap." Even the McMansions are a fraction of what you'd think they cost a lot of the time.
You'll have to trust me when I say "I know" on that. It kills me that building a decent new house is gonna be around $150,000 at cheapest, and then instead of building a more expensive house, the builders will cheap out by building a $150,000 house and selling it at $500,000.
I just want to see more homes in America that can last 200 years.
What kind of idiot do you have to be to not invest in a tornado shelter in fucking Kansas. It seems like places like that should be investing a lot more in deeper homes and protective earthen mounds.
People in the country and smaller towns understand that. It was mostly about, what else, but dealing with the terminal retards in the bigger cities like Topeka, Lawrence, and Overland Park. Where they wouldnt build shelters on new houses because "Tornado's dont hit big cities, it is a waste of money" and everyone else in the state had to drag them kicking and screaming going "No, you retards, that is a great way to get people killed for what is only a few thousand extra dollars to a new house". Also, the eternal menace known as "The HOA" is responsible for earth berms not being built in cities even though you can just use fill dirt from other job sites to create the berm needed.
But I do see earth berms out in the country and they are becoming more common. If I ever came into money and could build my own dream home, I would certainly want to build one. The main downside I have heard for them though for why they are not more common is that once they are built they cant get any bigger (as opposed to expansions added for traditional homes).
"Tornado's dont hit big cities, it is a waste of money"
Yeah, tornadoes absolutely hit cities, it's just that tornadoes are so small and "not city" comprises such a huge land mass that they don't tend to hit cities as much as "not city". When they do hit cities, the casualties multiply by ten-fold.
You'd genuinely find more help from the local priest, that might actually have those, and bring them to you in a timely manner. Also, he might actually care whether you live or die.
The churches even have funds to give you some money if you're struggling, I'm sure they have enough saved to give out close to the 750 per member that the feds gave.
Home, wind, and flood insurance are usually mandatory in areas with regular hurricanes! All of which with separate deductibles and policies! Its great!
Also FHA loans are a trap and anyone too broke to afford a regular loan is too broke to afford a house.
As with the Maui fires, I wouldn't be surprised if this is true, but I'm not sure this is enough evidence.
We are coordinating all disaster response efforts through the Govenor's office, and they have asked us to spread the following message: [emphasis in original] **Please do NOT travel to western NC to deliver donations, volunteer spontaneously, bring home cooked meals, or view the devastation. The roads are impassable and rescue and recovery operations are ongoing. The urge to help is wonderful, it's who [picture cut off]
This is one of those statements where you are basically telling people not to go somewhere because they're no help. If the roads are destroyed, and you're not going down there with a bulldozer, you might simply be creating more of a crisis when you inevitably get trapped.
It's nice for some 34 year old woman and her friends to pass out water bottles, but transportation links have been cut off, and she doesn't tell anybody when her and her 4 friends head down in their Kia Forte, they will be no good to anyone if they get themselves trapped.
Hurricanes are the best example for any American that the federal government cannot or will not ever come to save you. In the offchance that they actually even try, it'll be embroiled in things like this. Bureaucracy and contracts that take three times as long to get half the work done, well after all the media has moved on (leaving them mostly unsupervised to do worse work).
Its also one of the best examples of how worthless insurance is as a service. Because you need 2-3 different insurances just to cover all the things a hurricane can do, and all of them won't pay you anyway.
All of them have to be dragged into court before a payout will occur. But if you don't have power, what does it matter?
You're better off with no insurance, and buying a good truck with a plow attachment and a winch.
You also need to sue all of them, because they might be able to prove in court that a dumper hitting your roof isn't covered under wind because the wind didn't do the damage but that falls under house insurance. And then they will just put it in a lump sum for the entire area, claiming they couldn't realistically give individual payouts to everyone, and you get 400$ for your trouble.
Its just a thing they do to wring dry dumb pensioners and naive new settlers from their money. Its all a scam.
Much like the federal government.
And at that point, you might as well just put money on an attorney for a retainer instead of putting it an insurance company, since you'll need a lawyer anyway to get anything, and he might actually get you something out of all of it.
Alternatively, you just store all the money you'd spend on either and it'll cover the costs to things you'll need to repair anyway.
Hurricanes only hit the same areas every few years, and even less so major damaging ones. 8 or so years of saving a few hundred a month will add up to plenty.
I don't understand why we are still building homes with English architecture when it's clear that shit needs to be built different for different regions. It kind of annoyed me when I found out that Kansas had to make a law to require everyone to have a tornado shelter. What kind of idiot do you have to be to not invest in a tornado shelter in fucking Kansas. It seems like places like that should be investing a lot more in deeper homes and protective earthen mounds.
I suppose part of it is absolutely cost, but it kills me that we make McMansions in the exact same way at $500,000 and up. Hell, a lot of these homes don't even have 30 year shingles for their roofs. If you build shit right, and properly, you won't need high maintenance costs.
I know at least Florida recently made it legally required to have some sort of metal supports put onto the trusses of roofs that make them pretty impossible to just "rip off" like they used to.
Problem usually is though, if the weather is strong enough to do serious damage, very little can truly prevent it. You can prevent the damage from regular storms, like Louisiana building all its homes about 6 feet up or more. But the major ones will take a hit one way or another.
And unfortunately that means for most people the idea is "build cheap and replace cheap." Even the McMansions are a fraction of what you'd think they cost a lot of the time.
You'll have to trust me when I say "I know" on that. It kills me that building a decent new house is gonna be around $150,000 at cheapest, and then instead of building a more expensive house, the builders will cheap out by building a $150,000 house and selling it at $500,000.
I just want to see more homes in America that can last 200 years.
People in the country and smaller towns understand that. It was mostly about, what else, but dealing with the terminal retards in the bigger cities like Topeka, Lawrence, and Overland Park. Where they wouldnt build shelters on new houses because "Tornado's dont hit big cities, it is a waste of money" and everyone else in the state had to drag them kicking and screaming going "No, you retards, that is a great way to get people killed for what is only a few thousand extra dollars to a new house". Also, the eternal menace known as "The HOA" is responsible for earth berms not being built in cities even though you can just use fill dirt from other job sites to create the berm needed.
But I do see earth berms out in the country and they are becoming more common. If I ever came into money and could build my own dream home, I would certainly want to build one. The main downside I have heard for them though for why they are not more common is that once they are built they cant get any bigger (as opposed to expansions added for traditional homes).
Yeah, tornadoes absolutely hit cities, it's just that tornadoes are so small and "not city" comprises such a huge land mass that they don't tend to hit cities as much as "not city". When they do hit cities, the casualties multiply by ten-fold.
Even a shitty truck and a leaf blower would be more useful than the federal government after a hurricane.
You'd genuinely find more help from the local priest, that might actually have those, and bring them to you in a timely manner. Also, he might actually care whether you live or die.
The churches even have funds to give you some money if you're struggling, I'm sure they have enough saved to give out close to the 750 per member that the feds gave.
Honestly, that's also probably true.
Good thing insurance is mandatory for the FHA loans that all broke Americans have.
Home, wind, and flood insurance are usually mandatory in areas with regular hurricanes! All of which with separate deductibles and policies! Its great!
Also FHA loans are a trap and anyone too broke to afford a regular loan is too broke to afford a house.
Unless you paid cash for your house, you'll need insurance, regardless of the loan type. Banks aren't going to take a loss on a destroyed home.
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As with the Maui fires, I wouldn't be surprised if this is true, but I'm not sure this is enough evidence.
This is one of those statements where you are basically telling people not to go somewhere because they're no help. If the roads are destroyed, and you're not going down there with a bulldozer, you might simply be creating more of a crisis when you inevitably get trapped.
It's nice for some 34 year old woman and her friends to pass out water bottles, but transportation links have been cut off, and she doesn't tell anybody when her and her 4 friends head down in their Kia Forte, they will be no good to anyone if they get themselves trapped.
Insurance is run by (((who)))?
Moon Man Moon Man, can't you see? Answering your question breaks Rule 16.
:(
how does slow walking relief help them?
is western NC mostly republican?