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.
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.
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.
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.
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.