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 $500,000 and up. Hell, a lot of these homes don't even have 30 year shingles for their roofs. If you build shit right, and properly, you won't need high maintenance costs.
You'd genuinely find more help from the local priest, that might actually have those, and bring them to you in a timely manner. Also, he might actually care whether you live or die.
The churches even have funds to give you some money if you're struggling, I'm sure they have enough saved to give out close to the 750 per member that the feds gave.
All of them have to be dragged into court before a payout will occur. But if you don't have power, what does it matter?
You're better off with no insurance, and buying a good truck with a plow attachment and a winch.
You also need to sue all of them, because they might be able to prove in court that a dumper hitting your roof isn't covered under wind because the wind didn't do the damage but that falls under house insurance. And then they will just put it in a lump sum for the entire area, claiming they couldn't realistically give individual payouts to everyone, and you get 400$ 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.
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.