After a widely reported earthquake in California, many people call their insurance company to apply for earthquake insurance. Might this reaction reflect some deviation from rationality? Discuss.
Just curious if atheist carry insurance like flood or earth quake -since these are considered an act of God. If they do how to they justify making these purchases?
• Only 2 percent of the federal government’s hurricane-related funding went toward education recovery.
• The costs of hurricane destruction in K-12 and higher education were estimated at .2 billion, but only .2 billion in federal funding had been committed to restoring physical structures and property. Some rebuilding funds have come from the local and state levels and insurance, but several projects are unfinished.
• Displaced students re-enrolled in schools in 49 states, but a lack of adequate federal funding meant that schools with the greatest number of displaced students had insufficient classrooms, staff and supplies to support them. The report found that as many as 15,000 K-12 public school students and 35,000 college students in Louisiana and Mississippi missed school last year due to lingering problems associated with Katrina.
• Nearly one out of every six students in Louisiana’s public colleges and universities dropped out for the 2005-06 school year. In the 2006-07 school year, more than 26,000 students from Louisiana public colleges and almost 9,000 Mississippi college students remained out of school.
Did you fart? Because you blew me away
You must be in a wrong place – the Miss Universe contest is over there.
Was that an earthquake or did u just rock my world?
I may not be a genie but I can make your dreams come true
Are you a magnet cuz im attracted to you
Does this rag smell like chloroform to you?
I wish you were DSL so I could get high-speed access.
I know its not Christmas, but Santa’s lap is always ready.
Baby your like a student and I am like a math book, you solve all my
problems
"Why does it feel like the most beautiful girl in the world is in this
room?"
Can I take a picture of you, so I can show Santa just what I want for
Christmas.
Do you have any raisins? No? How about a date?
I was blinded by your beauty so I’m going to need your name and number for insurance reasons
I live in the northeast. A couple of weeks ago we had one of those "once in a hundred years" rain storms that seem to happen every ten years around here.
I live a couple miles from the ocean in an area that eons ago was actually in the ocean. About five feet down the soil ends and marine clay begins. Rainwater does not permeate marine clay. The result of the recent colossal storm was that almost everybody in my area experienced flooded basements, me included.
Luckily, I had all my mechanicals on cement pads just high enough to avoid being ruined, but I lost a lot of tools (I’m a contractor) that I’ve had for years, and the kids playroom. There is no way I can produce receipts for the tools. To replace them all at once, I estimate it would cost about 12K, I could rebuild a very nice playroom for less than k
I’ve never taken a dime from the government but FEMA sent me a letter, through my insurance carrier, telling me that I qualify for relief.
Anybody have any experience with this? Worth it or were you bogged down in red tape?
So I am really worried, I mean I know I was going to face at least one or more in my life I never experienced one, I just wish it was not now, I mean what if my house collapses, we have insurance but IDK, and I had so much planned this year and this earthquake could ruin, and I know that no one knows when they are going to happen, but Overall will an earthquake happen? When? And how big might it be?
***Please no rude answers***
Is it OK to spread the wealth for said residents of tornado ravaged trailer park?
What if they had no insurance maybe they were too lazy to buy it or maybe they used the money on NASCAR and six packs. Is this the same as spreading the wealth? Does FEMA print their own money or does it come from the taxpayers?
I am curious how buildings in California would withstand the same earthquake. The buildings here were built with stronger materials according to a building code, but the Northridge quake did some damage and knocked a layer of freeway down. The Northridge quake wasn’t nearly as strong as Chile’s.
The California state insurance program would like to collect 0.00 for an earthquake insurance plan. They must be thinking something big right?
The California state insurance program would like to collect 0.00 for an earthquake insurance plan. They must be thinking something big right?
With Gobal Warming and all! Do you think it’s important that I have Earthquake Insurance on my house? Crazy things have been happening and I just want to know I’m covered if a Massive Earthquake HIT California and damaged my house. I’d like to know HOW many Homeowners living in California have Earthquake coverage and what you would pay? I just got a quote that seems pretty good. 4.00 a year for coverage. Sounds pretty good huh? That’s only about .33 dollars a month. Let me know what you think.
My house isn’t worth 1 million dollars. You aren’t dealing with a Millionaire. I wish I had millions in the BANK. That would be the LIFE. I wanted to get my house covered in CASE; just in case. You never know!
As soon as i heard about all the cash obama is sending to haiti i nearly spit my drink.. its bull.. their already pretty much dead on their own crime / drug / gheto way of life and here he is, sending much needed troops and cash to help them..
now theirs fund raisers and nothing but nasty pictures of people in the earthquake… its retarded how we can fund raise so much money in this supposed "2nd depression" to help these unproductive ignored people in the world.. i feel bad for the troops having to get their hands dirty again for something they shouldnt be doing.
nah lets help them cause they have always helped america right? who cares of many of us are jobless and poor (and legal.. damn mexicans)… who cares if i cant get health insurance or a loan to get into school.. lets go help them poor blacks keep living so they can continue being nothing to the world
and if the same shit happened to america, i wouldnt expect a damn thing from the world.. except for canada.. cause without us, canada would become the new mexico like america
I live in south florida and I need to have ALL window openings protected in case of a hurricane, which includes skylights (or I dont get my insurance premium reduced). I am getting shutters for all my other windows and sliding doors, What can I do with my skylights? I doubt, although I am unsure, that they are impact glass currently. Help!
what happen if you lost everything in natural disaster, insurance wont cover at all, so you become broke from rich in a instant
this havent happen to me yet, but it just matter of time
I know the answer. I just wanted to see if you did. The answer is that there is an endless supply of northerners that come to the state after selling their home. So real estate agents/ sellers in Florida can ALMOST charge anything they want. But those folks that move down here usually don’t know the downside to Florida. They don’t know how bad a hurricane really is, or that the cost of living down here is much higher than they thought, or that wages are low, or that crime can be very high, or that social services are not the greatest because od a low tax base, or that homeowners insurance is the highest in the nation, or that the sense of community is not very tight, or that the public schools rank quite low, or that etc… You can’t really warn them beforehand. Gotta find out the hard way like me.
It really isn’t like Disney World.
And also, employers always have an endless new crop of employees to choose from. Keeps the wages low.
Negative and positive answers are all welcome. If you have positive suggestions, please include who and how to contact – if possible. I’m not fed up with the human side/interaction of retail (I’m told I’ve got great customer service skills) its the downsides of retail. Also, I believe that relief work would be more rewarding – vastly. I expect that there would also be downsides to relief work – I think I’m aware of that. I believe that there also some awful aspects to relief work that I haven’t even thought of (for example, I think you might want to get an appendectomy and have medivac insurance before getting in the field, not to mention the dealing with human suffering on a daily and global scale…)
The insurance companies still call natural disasters "acts of God"…but if one killed a nation’s leader, would the public believe it as a true "act of God"?
My bank, Wachovia, is making me pay for hurricane insurance on the replacement value of my home instead of the amount of money I owe on the mortgage. Last year they tried the same thing but were willing to just insure the mortgage amount, This year I was told the amount would be added to my mortgage for the replacement value. This is over 3 times the mortgage amount. I refused but was told I could not. What can I do?
We got hit by hurricane Rita almost 2 years ago and we still have a blue tarp on our roof. We are renting and the owner of the house didn’t have insurance on the house so we stll have a blue tarp covering it. I’m worried about this years hurricane season. I can’t afford to move and I’m trying my best to safe up to get it fixed but in the meantime, how do I keep my house safe? No jokes please. I’m still trying to get mold spores out of the house.
Sorry to hear about all of that. FEMA said we had significant damage but said they couldn’t help us because I forgot to include my middle name when I signed my name during the inspection of my house. They caontacted me 8 months after the hurricane, after is started raining in our house and leaks were everywhere and then they mentioned they could have helped us but I left out my middle name on my signature. I had to show proof who I was about 3 times and finally I got it straight but then I recieved a letter in the mail from FEMA saying I missed the deadline and they couldn’t help us fix the roof. So now I am saving up to have it fixed.
I have a few questions, I haven’t been through a hurricane since hurricane Andrew ( I was a little kid) and dont remember what needs to be done
I live in an apartment in Fayetteville,NC ..and I have a 7wk old baby
Is their an eligibility for staying at ‘safe places’ ?
If so ,what are they and what do I need to bring ? What can’t I bring?
What to do with my cat?
I have renters insurance, but how can I protect my apartment from
damage (we aren’t allowed to penetrate any siding or door frames)\
Sorry about all the questions…I am having a hard time finding answers
and I am a little scared that I won’t know what to do.
The restaurant I am employed with has been closed for over a month now due to flooding. We were expecting it would be closed for two weeks, MAYBE, but it has turned out to be much longer.
My boss told those of us who work full time that we can file for unemployment insurance, as well as disaster relief. I was waitressing 6 days a week.
So, while I wait for the restaurant to re-open (which will hopefully be in the next few weeks) I have been selling some things that I can do without, babysitting for families as much as I can, and now just this week I have decided to file for unemployment and the disaster relief.
The unemployment is something that will effect the weeks from now until I am able to work at the restaurant again, and the disaster relief is back pay for this past month.
My questions:
Is unemployment or disaster relief something that I pay back, like a loan, or is it more like a "grant." – For lack of better metaphor?
Will this increase the taxes I pay month to month? I told them to take income tax out of the checks right away.
Will this affect my credit score?
Thank you for any info you can provide.
We live paycheck to paycheck. Made the mistake of moving to Florida. We got here a year before all the hurricanes started coming (we’ve been hit by 4 directly). Now housing is through the roof and even if we could get a place (we rent right now) the insurance co’s are running like rats on a sinking ship and the ones that are staying are raising their rates 50 – 99% (no joke). We want to move to Colorado but have no extra money. There’s really no expenses to cut to save, except to stop eatting. Last year we lost 00 because of lost food, ice, batteries and other emergency supplies thanks to the hurricanes. It’s like a trap, we can’t afford to live here and can’t afford to get out! Open to suggestions. Thanks.
The restaurant I am employed with has been closed for over a month now due to flooding. We were expecting it would be closed for two weeks, MAYBE, but it has turned out to be much longer.
My boss told those of us who work full time that we can file for unemployment insurance, as well as disaster relief. I was waitressing 6 days a week.
So, while I wait for the restaurant to re-open (which will hopefully be in the next few weeks) I have been selling some things that I can do without, babysitting for families as much as I can, and now just this week I have decided to file for unemployment and the disaster relief.
The unemployment is something that will effect the weeks from now until I am able to work at the restaurant again, and the disaster relief is back pay for this past month.
My questions:
Is unemployment or disaster relief something that I pay back, like a loan, or is it more like a "grant." – For lack of better metaphor?
Will this increase the taxes I pay month to month? I told them to take income tax out of the checks right away.
Will this affect my credit score?
Thank you for any info you can provide.
Our HOA has some coverage, but I’m looking for supplemental insurance to cover meals and hotels if necessary, special assessments, things like that. Any ideas?
I’ve lived in the Bay Area for 20 years and never purchased earthquake insurance for my home. I heard rates were going down, and AAA quoted me a rate of nearly 00 for earthquake coverage- there is 75,000 deductible, and they will cover up to 5,000 to rebuild. What is the consensus on this issue?
I had to pay out of my pocket to repair the car. I use it to get to work. I have insurance but my own insurance doesn’t cover natural disasters. Does anyone know of the State helps out with natural disaster damages? I’m in Trenton, New Jersey and I recall that they might help, but I don’t know if they will for car damage.
I asked a similar question but I am still curious why with the threat of earthquakes so strong in parts of California why mortgage lenders don’t require borrowers to get earthquake insurance similar to fire insurance
i keep hearing about the long over due earth quake thats will hit california, they say it will happen within the next 35 years and i know insurance here dont cover earthquakes so if you buy a house and it gets reduced to rubble you still have to pay the bills. Is california doomed? moving out is not a option for me so i just dont know what to do any more…feeling kind of scared… T_T
is there a web site were i can look at the historical home insurance claims statistics? each state has it's regular events: midwest states: tornadoes / giant hail storms, east coast: flooding / hurricanes, west coast mud slides / volcano eruptions / earth quakes / flooding, northern states flooding / ice storms. i wanted to just sit down and look at the country as a whole and get an idea what happens on a regular basis in different areas of the country. i call it advanced geography. knowing names of cities and states is nice but not that useful unless you get a feel for the area and know what kind of weather people who live there are used to or expect.
We have it with Travelers insurance.
I'm in LA
& for earth quake insurance they want a 15% deductable of the coverage amount which is 0,000
so thats about 15 grand.
Which is high? before I sign the stuff, I want to know, can I have home owners insurance w/travelers but have earth quake insurance w/some one else? & if so, where should I get that earth quake insurance? is 15% the lowest i'll find?
How can I get earthquake insurance for structure of condo?
I live in southern calif. I own a condo. the association just cut our earthquake insurance coverage, because it was too expensive. I have to buy private. I've contents insurance which pays for stuff inside my condo such as damages to painting/furniture/floors. the contents insurance does not cover damage caused by earth quake to the structure.
where can I buy insurance coverage for the structure?
thanx.
I live in a housing complex in a condominium. I have taken home owner's insurance policy as required by mortgage company. Recently my insurance company informed me that they are removing ' earth quake ' coverage from policy from next renewal cycle as it is not economical to the insurance company.
My questions are –
a) As general rule what kind of insurance one should take. I mean – fire, theft, flood, earth quake, tornado, hurricane, twister etc.
b) what monetary coverage one should go for ? I mean say house is of 300,000 value.
c) If the present company does not give earth quake coverage, then should I consider going to other company.
d) Can any one give some ideal what will be the premium per year for getting all above coverage for 300,000 value house.
I have read the answers of – mbrcatz17, hi91977 and harrell1956. Thanks,
But my questions still unanswered are -
a) Should I take coverage for Earth quake, Hurricane, Twister, Tornado and flood. I live in new jersey. It is not flood zone area.
b) I existing premium is 300 $/year for Fire, earthquake, hurricane but without flood. Now my company is removing Earth quake and said it will save $ 17 /year. If I go to another insurance company what will it cost appx. for earth quake coverage ? And should I go for it or not ?