No Insurance: Neighbors tree damaged my building

[TheGeekess]

Then shut up and pay your own freight, when everything gets destroyed. Don't go crying to Uncle Sugar for tax dollars, ocean barriers and FEMA support. We will have no issues. People living by the water are not necessary for beaches, seafood, oil or gasoline. Vacations at the beach would be much cheaper. I don't think I would have had to pay the $3500 to be oceanside at the OBX a few months ago. I would have been able to freely enjoy 4 wheeling on all the beaches also. We could have slapped down a few tents and stayed for a few bucks. I have enough sense not to live in tornado zones, hurricane zones or earthquake zones. Guess what, I haven't suffered a loss from any of them either. Go Figure.

Although most people do not think of Ohio as an earthquake-prone state, at least 200 earthquakes with epicenters in Ohio have been felt since 1776. In addition, a number of earthquakes with origins outside Ohio have been felt in the state.

http://www.ohiodnr.com/geosurvey/html/geo_f03/tabid/8307/Default.aspx

Tornado Statistics
Ohio Tornado Statistics 1940 - 2011

Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Total
1940-49 2 0 5 5 10 6 2 5 3 0 0 0 38
1950-59 1 4 7 8 12 12 12 5 1 2 1 0 65
1960-69 0 1 5 37 26 20 16 12 4 1 8 0 130
1970-79 2 4 3 26 28 50 25 18 14 7 1 2 180
1980-89 1 0 17 19 32 50 16 7 1 2 2 0 147
1990-99 1 5 1 16 21 48 77 17 5 3 3 1 198
2000-05 0 0 0 6 22 6 5 9 2 2 20 0 72
2006 0 0 1 0 2 6 11 5 0 2 0 0 27
2007 0 0 1 3 2 0 0 6 0 0 0 0 12
2008 1 0 0 1 9 4 0 0 0 0 0 0 15
2009 0 0 1 0 4 2 3 2 0 1 0 0 13
2010 0 0 0 0 6 14 0 0 13 15 0 0 48
2011 0 1 0 18 14 3 0 1 0 0 0 0 37
Totals 8 15 41 139 188 221 167 87 43 35 35 3 982

http://www.weathersafety.ohio.gov/TornadoFacts.aspx

 

[Banned_Princess]

touchy subject. Never mind plymoth rock or whatever, I had just been reading.

Actually the majority of us pay serious insurance premiums along with appropriate flood insurance. Our buildings are just going to be built up better then they were. Its good to sometimes tear the sheetrock and all the flooring out every so oftin. My aunt was overjoyed to be getting a new house. her house was a one story on a canal. her place is expanding up. And of course the insurance pays for displacement, She might be getting back soon. This is not Louisiana.

Millions of people, and Extremely importanat people live here, work here, play here. Serious business and entertainment is conducted here. we need power, communication and transportation. and we also got that back to non water related damages. the 98% of us, the subways and trains are back to normal. The only people upset are the idiots like who asked the question who didn't have insurance, That was an accident waiting to happen, trees came down randomly, the water hit specifically.

I wouldn't tell Hollywood, when trashed by a earthquake "Oh why were you located on the top of that earthquake line." no, you are upset by the loss of beautiful property and the lives who were using that space to live and produce beloved programing all over the world. New York is all of that, in like 20 square miles at a time. ((Florida as a whole for living where they do doesnt have an excuse))

This Weather is something NO ONE can hide from. Nomatter where it strikes, and it has been striking, alot, and all over. Imagine we all move to Your super safe neighbor hood. Do you think we all can fit? then what happens when the weather finds us all there. Could we all flee?

 

[Banned_Princess]

No we didn't. We crossed the Bering Strait long before Europeans crossed the Atlantic.

Im sorry, its true I dont know too much about that.

 

[Banned_Princess]

Then shut up and pay your own freight, when everything gets destroyed. Don't go crying to Uncle Sugar for tax dollars, ocean barriers and FEMA support. We will have no issues. People living by the water are not necessary for beaches, seafood, oil or gasoline. Vacations at the beach would be much cheaper. I don't think I would have had to pay the $3500 to be oceanside at the OBX a few months ago. I would have been able to freely enjoy 4 wheeling on all the beaches also. We could have slapped down a few tents and stayed for a few bucks. I have enough sense not to live in tornado zones, hurricane zones or earthquake zones. Guess what, I haven't suffered a loss from any of them either. Go Figure.

Everybody else gets it, and we are way more important then parts of La and Fla.

We All live where weather and increasing land movement can get us. There have recently been earthquakes here, we would be DEVASTATED by one. the world would literally stop.

Also a wave, which Ironically I have always been afraid of.

I have said what you are saying, before. I'm more bothered by the wining they do, having had huge disasters just months before, but we don't live that way up here. We get rain and snow, winds and hurricanes all the time, it barely ever fazes us.

What will you say when stuff gets serious at your home.

 

[OHRoadwarrior]

Uncle Sugar!!! You have a clear responsibility to help rebuild our beachfront properties, so we can enjoy them until the next hurricane!!!

New York City Mayor Michael Bloomberg said on Monday he will ask Congress for $9.8 billion to pay for Sandy costs not covered by insurance or other federal funds. In a letter to New York's congressional delegation, Bloomberg said public, private and indirect losses to the city from the devastating late-October storm stood at $19 billion.

Of that, private insurance is expected to cover $3.8 billion, with Federal Emergency Management Agency reimbursements to cover at least an additional $5.4 billion, Bloomberg said in a statement. "The federal government has a clear responsibility to commit all of the necessary resources to help us rebuild," she said. Getting federal funds could be a tough fight, because of pressure on lawmakers to cut spending and raise taxes in order to shrink the federal deficit.

"This will be an effort that lasts not weeks, but many months, and we will not rest until the federal response meets New York's deep and extensive needs," said U.S. Senator Charles Schumer in a statement.

http://news.yahoo.com/york-jersey-put-71-billion-price-tag-sandy-002134256--sector.html

 

[OHRoadwarrior]

http://www.ohiodnr.com/geosurvey/html/geo_f03/tabid/8307/Default.aspx


http://www.weathersafety.ohio.gov/TornadoFacts.aspx

ROFL not where I live in OH. I chose wisely. It could even rain for forty days and forty nights without bothering my house.

 

[TigerD]

I grew up in the north east. I've spent most of my life living near or on some major waterway. I've experienced hurricanes - on land and at sea, tornadoes, blizzards and floods. The one time I took a loss on a flood, my building was outside the 100 year flood plain and I didn't have flood insurance. It was a total loss. Now I live in the Ozarks and we have flood insurance.

Bottom line - there is crappy weather everywhere. You deal with it. I love NYC. If it wasn't for New Yorkers, I could live there. I didn't think NOLA should have been salvaged. Anybody building seven below sea level on the coast, a coast routinely gets hit with hurricanes, is to stupid to save. It would be like building a house of cards in a fault line in California. Or building a tropical house in Fairbanks. But, really, to imply that one of, if not the, greatest cities in the world should not rebuild because of a bad storm, is just silly.

And look on the bright side, for once, nobody complained about driving into Jersey.

DC

 

[jiggy78]

Oh great another thead gone to crap because of petty bickering. Some of you folks need to learn how to agree to disagree. This is an "advice" forum. It's OK if the OP gets differing advice. They can decide for themselves which is best. You don't have to jump down somebody's throat and ruin the thread because they posted something you don't like.

 

[Zigner]

Oh great another thead gone to crap because of petty bickering. Some of you folks need to learn how to agree to disagree. This is an "advice" forum. It's OK if the OP gets differing advice. They can decide for themselves which is best. You don't have to jump down somebody's throat and ruin the thread because they posted something you don't like.

 

[OHRoadwarrior]

Here is an interesting article showing the futility of constantly rebuilding and reinvesting in an area being rapidly affected by global warming.


http://www.nytimes.com/2012/09/11/nyregion/new-york-faces-rising-seas-and-slow-city-action.html?pagewanted=all&_r=0

 

[Banned_Princess]

Last but not least, we pay serious taxes here, we have paid for our rebuilding hundreds of times over. And the people donating money time and recourses, are doing it specifically for us.

I don't see anything for anyone to complain about. Hurricanes hit us routinely, But never like this. Last year I was out of power 18 days when a tree hit our line, this year, less then 48 hrs we were restored.

Each storm is different, and this one was extremely different.

It might rain 40 days and 40 nights, and you would be good, but can you seriously believe, we can all live on your mountain? What if you lost power for a month, what if you get hit with a freakish tornado, or earthquake. Would you want FEMA to come help you out? or would you just suck it up, pay everything out of pocket, and hope it never happens again in your lifetime. "NO NO Red Cross, we need no hot food here, its our own fault for living, thanks anyway"

Yea right. you would thank America for being there for you, after all you have done for her.

 

[justalayman]

Banned_Princess;3117810]Last but not least, we pay serious taxes here, we have paid for our rebuilding hundreds of times over. And the people donating money time and recourses, are doing it specifically for us.

that's fine and I have no problem with people donating time, money, food, whatever.

I don't see anything for anyone to complain about.

seriously? Two things:

government subsidized flood or hurricane insurance

government grant money to pay for the repairs, or even low interest government loans.


I have no problem with people living where they do. Just don't ask me to pay for the damage should something happen to your property.

It might rain 40 days and 40 nights, and you would be good, but can you seriously believe, we can all live on your mountain? What if you lost power for a month, what if you get hit with a freakish tornado, or earthquake. Would you want FEMA to come help you out? or would you just suck it up, pay everything out of pocket, and hope it never happens again in your lifetime. "NO NO Red Cross, we need no hot food here, its our own fault for living, thanks anyway"

actually, when I was out of power for a couple weeks due to a tornado and I had thousands of dollars of clean up, I asked nobody for assistance.

 

[LdiJ]

that's fine and I have no problem with people donating time, money, food, whatever.

seriously? Two things:

government subsidized flood or hurricane insurance

government grant money to pay for the repairs, or even low interest government loans.


I have no problem with people living where they do. Just don't ask me to pay for the damage should something happen to your property.




actually, when I was out of power for a couple weeks due to a tornado and I had thousands of dollars of clean up, I asked nobody for assistance.

And that was great that you didn't need to ask for assistance (perhaps though you might not have been eligible for it, I don't know exactly how it works) but many law abiding, tax paying people need help when an "act of god" occurs. There is no place in the entire US, or anywhere in the world for that matter, where people are not subject to "acts of god" that can seriously damage their properties or livelihoods.

Sections of my city are routinely destroyed by tornados at least every other year or even as much as once a year.

 

[justalayman]

And that was great that you didn't need to ask for assistance (perhaps though you might not have been eligible for it, I don't know exactly how it works) but many law abiding, tax paying people need help when an "act of god" occurs. There is no place in the entire US, or anywhere in the world for that matter, where people are not subject to "acts of god" that can seriously damage their properties or livelihoods.

Sections of my city are routinely destroyed by tornados at least every other year or even as much as once a year.

I chose to not seek assistance from anybody. I understand there was some money available for certain issues but I simply didn't bother. I do not wish to go through all the hassle of obtaining government money but even more important; I do not care to add to the cost of government by allowing them to funnel your money to me. So, if those people need help, then maybe they are the folks that need to live elsewhere. If you cannot afford insurance or be able to absorb the loss if you refuse to purchase your own (non-subsidized) insurance, then maybe they need to move where insurance isn't so important.



and sections of your city being damaged annually by tornadoes? You must live in Indianapolis. While I cannot recall reading any city incurring annual damage due to tornadoes, Indy is listed high on the list of number of tornadoes annually. Either that or you are my next door neighbor as another city in Indiana that I happen to live by also experiences a higher than average number of tornadoes annually.

 

[Banned_Princess]

Im saying we pay over a billion a year (as a whole state) in taxes. year after year, have you ever contimplated the money just our bridges and tunnels bring in daily? (I dont have a statistic on that) I think we deserve our tax money back in disaster assistance, especially since it is extremely rare to have this kind of a storm.

And FEMA is the ONLY place to get flood insurance, so everyone paying flood insurance pays for everyones flooding, your tax dollars are not the only dollars being collected or spent by FEMA.

Government insurance for homeowners who cannot otherwise get insured, isnt cheep either.