or Connect
New Posts  All Forums:Forum Nav:

"Frankenstorm" - Page 5

post #121 of 137

yeah, when my parents lost their home in Hurricane Ivan, Liberty Mutual was the "scummiest" people you could ever deal with. Although their home was basically ripped apart by a gi-nomous waves, many inches of rain and 125mph winds; neither the flood people nor Liberty mutual would take any responsibility for their loss.  The rep from Liberty Mutual told my parents to take the very small settlement or sue them but told my parents they couldn't afford to sue Liberty.  In the end, we took Liberty to arbitration and won 100% of the claim.  However, you better be prepared to slog it out and have a ton of time to continuously file papers, appeals, studies and such. Like said ^ here. 

 

Also, since this has not been deemed a Class 1 at the time of landfall, many insurance companies are already denying liability and balking on claims.  Its gonna get ugly.  

post #122 of 137
Quote:
Originally Posted by tylrwnzl View Post
Then again thats why all the local insurance agents have said the same thing. Flood insurance is absolutely useless because it covers very little, but still mandatory to carry by law in many places. 

When you have some skin in the game and are willing to risk loss of your largest asset, then, you can do as you choose. I'm sure there are a ton on anecdotal stories out there, but, there are a ton of people bemoaning the fact that they only have homeowners insurance. I'm willing to bet that Finndog's family got paid via flood insurance.

 

Anyone who lives in a flood plain like the Jersey shore communities is a fool not to purchase flood insurance. Yup, read the T&C's (terms and conditions) very well to understand what coverage you are buying (it is limited), and, be prepared to fight for a good settlement, but, at least you can litigate your claim. Without flood insurance, you are, in effect, self insuring the possible loss of an entire property due to flood. Flood insurance is cheap, only a few hundred dollars per year for up to $250K of loss. BTW, the law does not require flood insurance, it's a condition of obtaining a mortgage, so, perhaps lenders know something you do not.

 

It was interesting hearing Obama tell the insurance companies to be generous in settlements as FEMA, and by extension the US taxpayer, underwrites the losses. 

post #123 of 137
Quote:
Originally Posted by Living Proof View Post

Quote:
Originally Posted by tylrwnzl View Post
Then again thats why all the local insurance agents have said the same thing. Flood insurance is absolutely useless because it covers very little, but still mandatory to carry by law in many places. 

When you have some skin in the game and are willing to risk loss of your largest asset, then, you can do as you choose. I'm sure there are a ton on anecdotal stories out there, but, there are a ton of people bemoaning the fact that they only have homeowners insurance. I'm willing to bet that Finndog's family got paid via flood insurance.

 

Anyone who lives in a flood plain like the Jersey shore communities is a fool not to purchase flood insurance. Yup, read the T&C's (terms and conditions) very well to understand what coverage you are buying (it is limited), and, be prepared to fight for a good settlement, but, at least you can litigate your claim. Without flood insurance, you are, in effect, self insuring the possible loss of an entire property due to flood. Flood insurance is cheap, only a few hundred dollars per year for up to $250K of loss. BTW, the law does not require flood insurance, it's a condition of obtaining a mortgage, so, perhaps lenders know something you do not.

 

It was interesting hearing Obama tell the insurance companies to be generous in settlements as FEMA, and by extension the US taxpayer, underwrites the losses. 

 

I can only tell you what I've been told by multiple insurance agencies that I have worked for as an IT consultant here. Over a year later people are still waiting for checks from the flooding here. My boss did the math on what they actually gave him and had he just saved up the money he begrudgingly paid into flood insurance because of his mortgage he would have been able to cover the damage outright AND have money left over to cover the losses that insurance should have covered (were covered on his policy), but were refusing to. 

 

The only time flood insurance would be worth it is if it was something like the entire house being washed into the ocean. For creek and river related flooding like where I live you would be better off dropping the check for flood insurance into a Savings account. 

post #124 of 137

Flood insurance is a no brainer. The premium is subsidized, i get about 45,000.00 in coverage on a commercial property for 467.00/year. We have not had flood damage since 2004. The adjuster sought me out to file a claim. I think different companies administrate the program and have heard horror stories, my experience has been nothing but good.

post #125 of 137

It's still bad there.  I have a friend that is taking donations in the Boston area, filling up her SUV with them, then driving to Jersey and NYC with them to distribute to whoever needs the items there.  Sounds like a bunch of occupy type folks are freestyling and bringing stuff to those in need.. if anyone else is interested in helping out.

 

She's leaving Boston tomorrow evening or Saturday morning.

She'll be bringing:

 

tarps

rope

stakes

rubber gloves

dust masks

flashlights/lanterns

batteries--C and D

heavy-duty garbage bags

disposable cameras (for documentation)

hammers

shovels

heavy-duty extension cord

toothbrushes

toothpaste

soap

towels

shampoo

conditioner

lotion

toilet paper

bleach

Simple Green

sponges

cleaning rags

general cleaning products

heavy duty brooms

blankets

new pillows

warm clothes

warm socks

waterproof boots/shoes

rain gear

winter hats and gloves

kids' clothes/shoes/boots/hats/gloves

thermal underwear

women/men/children's underwear

diapers/wipes

stuffed animals

small toys

kids' books

bubbles

baby food/formula

canned tuna

peanut butter/jelly

bread

cereal

instant oatmeal

instant soup

cereal bars

nuts

raisins

dish towels

dish detergent

unbreakable/re-usable dishes and bowls.

silverware--not plastic

dog/cat food; kitty litter

water bottles

re-fillable, re-usable water bottles

Thermos, of various sizes or shapes

post #126 of 137

OK, she just said her vehicle is packed solid with no room for any more donations except cash of course.  Please send positive vibes to Karen S as she travels to the impact zone to volunteer her time and efforts to those in need.  I LOVE having friends like that :-)

 

yahoo.gif

post #127 of 137

Hey that's awesome!!!- Did she contact any organizations about where to drop/get items to people?  Where in NJ is she going? the impact area runs along the entire coast line.

 

My friend is a retired cop who's been in Staten Island since day 1.  the good news is that they have so many donations of food and stuff, they have stopped taking it!  I think they are still taking some winter clothing and shoes.  They don't know what to do with it all.  I am sure there are still plenty of areas that need stuff though.  I would consult with the Red Cross and FEMA about the most needed goods and where to take them.

post #128 of 137
Quote:
Originally Posted by crgildart View Post

It's still bad there.  I have a friend that is taking donations in the Boston area, filling up her SUV with them, then driving to Jersey and NYC with them to distribute to whoever needs the items there.  Sounds like a bunch of occupy type folks are freestyling and bringing stuff to those in need.. if anyone else is interested in helping out.

 

She's leaving Boston tomorrow evening or Saturday morning.

She'll be bringing:

 

tarps

rope

stakes

rubber gloves

dust masks

flashlights/lanterns

batteries--C and D

heavy-duty garbage bags

disposable cameras (for documentation)

hammers

shovels

heavy-duty extension cord

toothbrushes

toothpaste

soap

towels

shampoo

conditioner

lotion

toilet paper

bleach

Simple Green

sponges

cleaning rags

general cleaning products

heavy duty brooms

blankets

new pillows

warm clothes

warm socks

waterproof boots/shoes

rain gear

winter hats and gloves

kids' clothes/shoes/boots/hats/gloves

thermal underwear

women/men/children's underwear

diapers/wipes

stuffed animals

small toys

kids' books

bubbles

baby food/formula

canned tuna

peanut butter/jelly

bread

cereal

instant oatmeal

instant soup

cereal bars

nuts

raisins

dish towels

dish detergent

unbreakable/re-usable dishes and bowls.

silverware--not plastic

dog/cat food; kitty litter

water bottles

re-fillable, re-usable water bottles

Thermos, of various sizes or shapes

 

 

Nice!  I did that when Irene hit VT and I must say, it's a great feeling to show up with people, supplies and gear on an unsuspecting house where people are struggling. 

post #129 of 137

I'm sure she's already contacted some other folks on the ground there to decide what to bring and where.  She's a veteran at this kind of thing.  She's really an after storm chaser.  She mostly goes to New Orleans whenever they get hit, still travels there every summer to work on structures there still being rebuilt from Katrina and other more recent storms.

post #130 of 137

love to hear her feedback on her impressions on the recovery. 99% of my town has power back and pretty much normal here. No gas lines for a few days now.  Georgia power and Light just fixed a small side road of about 5-6 homes that were without power Friday night.  The "town" of Annandale had their Halloween Friday as well. It was great that they didn't skip it for the kids. 

post #131 of 137
Quote:
Originally Posted by Finndog View Post

love to hear her feedback on her impressions on the recovery. 99% of my town has power back and pretty much normal here. No gas lines for a few days now.  Georgia power and Light just fixed a small side road of about 5-6 homes that were without power Friday night.  The "town" of Annandale had their Halloween Friday as well. It was great that they didn't skip it for the kids. 

I will make that happen for you Finnwink.gif

 

It was Georgia Power folks that restored power to our block after a 10 day lapse in the aftermath of the 2002 ice storm.  I recall stopping, getting out of my truck, and jumping up and down with my arms in the air cheering when I saw their truck at the pole down the block working.

post #132 of 137

Amazing Photos from the Jersey Shore

 

David Turton Photographs are being sold to benefit the community.  Take a few minutes and click through these.

 

 

http://davidturton.smugmug.com/OtherGalleries/Hurricane-Sandy-2012/26293280_LnQVBs#!i=2190925651&k=CWzmWZL

 

 

 

 

 

Thanks, I got the link

 

Yeah, the street put up signs thanking them.

post #133 of 137

Just heard the head of LIPA (was LILCO when I lived there) just resigned in the face of investigations and a class action law suit filed by the 50 thousand people that still have no power on Long Island.

post #134 of 137

While we're preparing for a holiday meal with people we love, I wonder how many people on the East Coast are not so fortunate. 

 

I Just saw this link on the home page and am happy that this community is doing something. 

http://www.epicski.com/a/epicski-and-city-harvest-how-you-can-help-new-yorks-hungry

post #135 of 137

I'm bumping this thread up because my friend is still making runs to the region helping with the rebuilding efforts.  Her truck blew the transmission somewhere around I-95, and she now needs to have it towed home and repaired.  It hasn't stopped her from distributing more needed supplies and donations to the area this week.  This is legit and I know this lady personally.  I don't usually ask forum friends for stuff like this but thought I'd share this here in hopes some might have a few extra bucks to chip in and help her out.

 

 

Quote:

Organizer: Leslie Gildart Beneficiary: Karen Springer

 

Fix Springah's Ride

Karen Springer has been a 1 woman Hurricane Sandy Relief Squad, running donations down from Boston several times now. Her transmission fried en route this time. Let's get her home and fix her car.

 

http://www.youcaring.com/help-a-neighbor/fix-springah-s-ride/52680?fb_comment_id=fbc_464268303638387_4058518_464286786969872#f28e9afdaf4fb

That is all.  Thanks folks...

post #136 of 137

Looks like we made the goal.  Thanks everyone!

 

 

Quote:
$2156
raised of $1500 goal
post #137 of 137

Glad to hear.  Will be keeping her in our thoughts while she continues this work. 

New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: General Skiing Discussion