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Post by CQuinn on Oct 23, 2007 13:39:42 GMT -5
The people in Malibu choose to live there because it's expensive, remote and sparsely populated. They know it's prone to fires and mudslides, I don't even know if they can buy fire insurance. I don't think we should subsidize their chosen life style with government aid in the form of cheap disaster loans, etc. This area is another New Orleans...a disaster waiting to happen.
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Post by Lenny on Oct 23, 2007 13:50:07 GMT -5
Charlie.......I agree 100%.
We have the same problem down here when people choose to buy expensive homes on the water. They know full well that hurricanes hit harder along the coastline when storm surge floods out the coastline. They suffer great losses when insurance won't pay for all the damages, then they want the rest of us who made wiser choices where to live to pay for it through government handouts which comes from our taxes.
They made the coice to live on the water and they need to assume the responsibility of the coice they made. Not the tax payers.
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Post by Fran Gyomory on Oct 23, 2007 15:27:17 GMT -5
Agree with you Charlie. People who live in double wide trailers in tornado alley have made that decision; Californians know the jeopardy of living there; people who live in hurricane zones know the problem. We are NOT responsible for rebuilding a home for someone who made a conscious decision to live in a place where there have been fires, floods, tornado, hurricane, etc.
Buy insurance and take care of it yourself. Sadly, if you can't afford it, then please, make a good decision and move elsewhere.
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Post by Barry on Oct 23, 2007 20:13:14 GMT -5
Even if they have insurance when the company pays out all rates go up including ours
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Post by pegleg on Oct 24, 2007 4:08:19 GMT -5
I'm not sure what the news coverage on the east coast is showing, but Malibu is only a small portion of the fire region. So far, some 583 square miles have burned, an area larger than NYC, in 16 major fire areas. Ramona (near San Diego) lost 650 buildings, Fallbrook (outside Camp Pendleton) lost 500 buildings, Potrero lost 200 bldgs, Lake Arrowhead lost some 160 bldgs, etc. I'd bet there will be well over 2000 homes destroyed before its over. At least 500,000 people have been evacuated from their homes (I've seen estimates of 1,000,000 being evacuated). The fires are in an area spanning over 200 miles north-south, and probably 60 miles west to east. BTW, Malibu is only about 10 miles long, and only about 30 houses destroyed there (although very expensive ones).
That said, I agree that those who build in very high risk areas, on cliffs and on the shore in particular, should plan on self-insurance. But it's hard to find many "desireable" areas that aren't subject to hurricanes, floods, draughts, tornadoes, earthquakes, blizzards, or some other periodic disaster? Looks to me like you pays your money and you takes your chances.... and Global Warning will get you in the end anyway.....
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Post by Barry on Oct 24, 2007 9:10:55 GMT -5
[/quote]
I've said this before to the above quote
I hope it's not today, tomorrow or next Thursday.
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Post by marylou on Oct 24, 2007 9:12:17 GMT -5
Theoretically and practically, I have to agree with you all. But, that being said....with a son, daughter-in-law and granddaughter living in the Chula Vista area of San Diego, with ash and soot flying on their rooftops like snow, air quality requiring the wearing of masks and the fires being held at bay by a local lake and major freeway, I'm scared to death for all of them. I don't think it's practical to think that everyone will make a decision to stay away from California and the fires, stay away from the midwest and tornadoes, stay away from Minnesota and the snowstorms and stay away from Florida and the gulf area because of hurricanes. Where are they all going to live? The northeast would get awfully crowded.
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Post by LARRY on Oct 24, 2007 9:33:37 GMT -5
WHY SHOULD WE NOT HELP THEM OUT. THEY PAY THEIR TAXES JUST LIKE YOU AND ME. THEY GO AND FIGHT FOR OUR COUNTRY JUST LIKE YOU AND ME. THEY ARE AMERICANS AND IF THEY NEED HELP THEY SHOULD GET IT. WOULD YOU RATHER SEND MONEY TO FOREIGN COUNTRIES AND GET KICKED IN THE ASS OR HELP OUT YOUR OWN???
GOD BLESS AMERICA
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Post by herbs on Oct 24, 2007 10:58:40 GMT -5
I think that federal aid should come in the form of reasonable insurance for those who can't buy any privately. When FEMA comes in to supposedly help people you end up with the mess they have in New Orleans. The federal government does a rather lousy job handing out money in disasters. They create more red tape than they do when handing it out to other countries.
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Post by Fran Gyomory on Oct 24, 2007 17:55:26 GMT -5
Let me tell you about the tornado that hit here in the Villages on Feb 2. Yes FEMA came down and was supportive BUT what really got everyone back on their feet was NEIGHBOR HELPING NEIGHBOR.
Hate to quote it but IF YOU CAN'T STAND THE HEAT, GET OUT OF THE KITCHEN.
It has always been dumb to build a home on the side of a hill and southern Californians know that. Do I feel sorry for them? Yes. Am I praying for them? Yes. Should I be expected to bail them out?? No.
Hopefully they have insurance and if it isn't enough, then they should have met with their broker long ago. Joe and I talk to our broker every year to be sure that we have appropriate insurance. We even purchased flood insurance and we don't live in a "normal" flood zone. However, Joe is cautious and wanted us to have the coverage.
If you want a home on a hill or a home on the beach, you gotta expect problems. As for the midwest and California not being populated and the east coast being over-populated, not gonna happen. People will live where ever they want and need to be responsible for themselves.
That being said, please let us all join in prayers that no one is injured or killed in these fires. Please ask God to protect the brave fire fighters.
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Post by Deleted on Oct 26, 2007 20:24:19 GMT -5
WE GOT HIT HEAD ON BY TWO HURRICANES AND MY INSURANCE COMPANY WENT BANKRUPT, SO THE GOVERNMENT SET UP AN INSURANCE TO PAY OUT,
THEY PAID ME 60% OF MY LOSS AFTER A BIG $2000 DEDUCTIBLE.
THEN WHEN I GOT MY NEW BILL FOR MY INSURANCE MY COST WENT UP TO ALMOST $4000 A YEAR AND MY NEW DEDUCTIBLE WAS NOW TIED INTO THE VALUE OF MY HOME, MY NEW DEDUCTIBLE IS 5% OF THE VALUE OF MY HOME.
SO IT NOW COSTS CLOSE TO $10,000- A YEAR.
AHHHHH SWEET SE FLA. AND IM NOT NEAR ANY WATER IM IN LAND ABOUT 12 MILES.
WHERE IS MY HELP?
AND WE ARE BOTH DISABLED.
IT ALL STINKS KIDS
THEY GET YOU COMING AND GOING.
ITS UP THE OLD BAZANG!!! AS USUAL.
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