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!

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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

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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.

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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…)

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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"?

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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?

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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.

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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.

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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.

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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.

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