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.
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.