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iBoaterer[_2_]

In article ,
says...

On Thu, 10 Jan 2013 11:58:22 -0500, ESAD wrote:

On 1/10/13 11:32 AM, wrote:

As for areas below the datum plane in your house, it is not covered,
(beyond a few mechanicals that were covered in that article)
Read your policy.
They build houses on pilings for a reason, to get the finished floor
above the datum plane. If people chose to use that space under their
house as living space, they do it at their own peril.
That is not a private insurance company saying that it is FEMA, the
government.

When we lived in Florida, the Republican U.S.
Representative for that part of the state, Tillie Fowler, if memory
serves, was always helping her owners, the real estate developers, get
more flood prone waterfront property on the rolls as eligible for
federal flood insurance.

I am not sure why FEMA writes any insurance on barrier islands and
flood plains. It is basically just rich people welfare.
Maybe they should have a "one strike and you are out" policy. The tax
payers will rebuild you once, or just buy you out if you want but
after that the lot is blacklisted.

Yes, indeed. A barrier island is what it is, it's not a place to be
inhabited. People think although it's low that it's stable and if they
build on piles high enough, life is good, but a good storm, barrier
island is gone or shifted or moved.

Here on the "Western Shore," we have a lot of two kinds of building lots
on the Bay...lots barely higher than sea level, which flood in extra
strong spring tides, and lots on the edges of cliffs that crumble into
the bay.

Most places don't even have the cliff lots. They are just going to
flood. I know I might flood some day but I am self insured for that. I
am certainly not going to come crying to the government because I made
that choice.
The insurance is expensive enough that my likely damage from a foot or
two of water would be about 10-15 years of premiums and we have a 100+
year flood free history. That is one reason I bought here.
The addition I built has no drywall (CBS on both sides) and all of the
electric is fed down from the top with a wet location wiring method.
If I lost the rest of the house, I would go back the same way.

People who move to Florida and settle right on the water would do well
to take a lesson from a couple of generations of old Floridians. You
don't see them build right on the beach!!!