http://tinyurl.com/b2dxqgf

http://tinyurl.com/bybnao3

http://tinyurl.com/au5z7pk

http://tinyurl.com/bc8mg4a

http://video.foxnews.com/v/2074192295001/

http://tinyurl.com/aph8fgo

On 1/10/2013 11:32 AM, wrote:
On Thu, 10 Jan 2013 09:05:11 -0500, iBoaterer wrote:


http://tinyurl.com/b2dxqgf



FEMA runs an ad about once an hour saying your homeowners insurance
DOES NOT COVER FLOOD.

Why is this a shock to anyone?

If people don't buy flood insurance they gambled and lost. I am not
paying their blackjack losses either.,

http://tinyurl.com/bybnao3


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.


Well, just as an update... My bud was covered for flood and is receiving
a check, someday. They will be moving back into the home in two weeks,
and still have not recieved any FEMA or Insurance money as of yesterday.

Same down there, lucky this guy is a part of our MX community and
several contractors are helping him out, and waiting to get paid labor
when ever the check comes. Because they are doing the work themselves,
and the fact that they had no real structural damage... I think I heard
him say the rebuild is costing around ten grand, parts and labor...

In article , says...

On 1/10/2013 11:32 AM, wrote:
On Thu, 10 Jan 2013 09:05:11 -0500, iBoaterer wrote:


http://tinyurl.com/b2dxqgf



FEMA runs an ad about once an hour saying your homeowners insurance
DOES NOT COVER FLOOD.

Why is this a shock to anyone?

If people don't buy flood insurance they gambled and lost. I am not
paying their blackjack losses either.,

http://tinyurl.com/bybnao3


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.


Well, just as an update... My bud was covered for flood and is receiving
a check, someday. They will be moving back into the home in two weeks,
and still have not recieved any FEMA or Insurance money as of yesterday.

Same down there, lucky this guy is a part of our MX community and
several contractors are helping him out, and waiting to get paid labor
when ever the check comes. Because they are doing the work themselves,
and the fact that they had no real structural damage... I think I heard
him say the rebuild is costing around ten grand, parts and labor...

Yeah, sure, another Harrytale. So, what did you do with the money you
scammed people here out of via your homemade website? I'll bet certainly
not an education for your kid. Hey, what about that daughter you claimed
was highly successful in D.C.? Still in customer service for a medical
supply store?

On Thursday, January 10, 2013 1:19:35 PM UTC-4, iBoaterer wrote:
snip...
Yeah, sure, another Harrytale. So, what did you do with the money you

scammed people here out of via your homemade website? I'll bet certainly

not an education for your kid. Hey, what about that daughter you claimed

was highly successful in D.C.? Still in customer service for a medical

supply store?


Say what?
After all the bragging Snottie did?
Nothing wrong with her job though..honest work and she's showing a lot more responsibility than her deadbeat Li'lPappy.

On 1/10/13 11:32 AM, wrote:
On Thu, 10 Jan 2013 09:05:11 -0500, iBoaterer wrote:


http://tinyurl.com/b2dxqgf



FEMA runs an ad about once an hour saying your homeowners insurance
DOES NOT COVER FLOOD.

Why is this a shock to anyone?

If people don't buy flood insurance they gambled and lost. I am not
paying their blackjack losses either.,

http://tinyurl.com/bybnao3


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.

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.

In article , says...

On 1/10/13 11:32 AM, wrote:
On Thu, 10 Jan 2013 09:05:11 -0500, iBoaterer wrote:


http://tinyurl.com/b2dxqgf



FEMA runs an ad about once an hour saying your homeowners insurance
DOES NOT COVER FLOOD.

Why is this a shock to anyone?

If people don't buy flood insurance they gambled and lost. I am not
paying their blackjack losses either.,

http://tinyurl.com/bybnao3


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.

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.

Which do you have?

On 1/10/13 12:20 PM, iBoaterer wrote:
In article , says...

On 1/10/13 11:32 AM, wrote:
On Thu, 10 Jan 2013 09:05:11 -0500, iBoaterer wrote:


http://tinyurl.com/b2dxqgf



FEMA runs an ad about once an hour saying your homeowners insurance
DOES NOT COVER FLOOD.

Why is this a shock to anyone?

If people don't buy flood insurance they gambled and lost. I am not
paying their blackjack losses either.,

http://tinyurl.com/bybnao3


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.

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.

Which do you have?


Neither. We're 115 feet above sea level. If the Bay comes in here, it's
Noah's Ark time.

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!!!

In article ,
says...

On Thu, 10 Jan 2013 12:55:36 -0500, iBoaterer wrote:

In article ,
says...

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.

I have always believed the big concrete buildings on the barrier
islands might end up being island themselves.
Since the 70s and 80s, the pilings might be 40 or 50 feet down so they
will be there but the sand around the building could be gone.

The trouble with the sand being gone is the pilings are using skin
friction to hold the buildings down in a wind event. Without the sand,
no skin friction, and the wind pushes the building over. Not as common
with concrete tilt up or precast, but with pre-engineered metal
buildings, which are built as light as possible, you need that skin
friction, or if shallow foundations they need to be massive enough to
keep the wind from blowing the building over or away!


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!!!


I am about 5 miles from the beach, behind 2 miles of mangroves. The
surge from that direction will be blunted by nature. I have US41 and
I75 to the east that will stop sheet flow from the everglades. It is a
very effective flood control dam.

Mangroves are good for a LOT of reasons, one is that it will keep the
sand in place.

On 1/10/2013 8:38 PM, wrote:
On Thu, 10 Jan 2013 16:25:58 -0500, iBoaterer wrote:

In article ,
says...

On Thu, 10 Jan 2013 12:55:36 -0500, iBoaterer wrote:


I have always believed the big concrete buildings on the barrier
islands might end up being island themselves.
Since the 70s and 80s, the pilings might be 40 or 50 feet down so they
will be there but the sand around the building could be gone.

The trouble with the sand being gone is the pilings are using skin
friction to hold the buildings down in a wind event. Without the sand,
no skin friction, and the wind pushes the building over. Not as common
with concrete tilt up or precast, but with pre-engineered metal
buildings, which are built as light as possible, you need that skin
friction, or if shallow foundations they need to be massive enough to
keep the wind from blowing the building over or away!

That is why the pilings are down 40 or 50 feet.


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!!!


I am about 5 miles from the beach, behind 2 miles of mangroves. The
surge from that direction will be blunted by nature. I have US41 and
I75 to the east that will stop sheet flow from the everglades. It is a
very effective flood control dam.

Mangroves are good for a LOT of reasons, one is that it will keep the
sand in place.


It also breaks up a surge tide, provides habitat for all kinds of
wildlife and helps with global warming.
I like the mangroves here because they are protected and nobody is
going to build anything else in the bay.


Why are they called man"groves?