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Ouch. The bathroom could probably take it better than any other room in the house.
That's pretty bad. If there hadn't been a storm, the solution would be reasonably straightforward, as there are companies that specialize in quick drying a house, but I can only imagine that they have more work than they can possibly handle, at the moment.
Do you have any functional electricity? I suppose you might be able to get every fan you can find. Dehumidifiers (and air conditioners) would also be good, if you can find them.
We have a generator that we plan on bringing Saturday.
if you don't have anymore water in the main bathroom, it can be also pretty bad :rolleyes:.
A sorry try to make you smile in this time of difficulties :o
Too little...unless you happened to live in a desert. Out here, it's kind of like: Water? That'll be gone in a few hours anyways.
They had some crazy flooding in the NY City area. Saw some incredible video on the news last night. Some of the subways were swamped. Looked like white water rapids coming down the stairs.
Did the alligators get loose from the sewers?
Jeez, DD! I only opened up this thread today but glad to hear you and your family are OK and sorry to hear about the property. Do you have insurance to cover the damage? (I seem to remember you were selling insurance weren't you?)
Whatever, though, just remember that stuff's just stuff. You and your family are what matters.
Yeah, I was thinking that there's probably nobody on this forum who is better qualified to understand the insurance situation than DDay. I was also thinking that there's a reason I don't want to live in hurricane or tornado prone areas. We just have wildfires and earthquakes. The former are predictable and manageable (not that we always manage effectively, but they ARE manageable), while the latter are rare.
Unfortunately, when I paid off my home I rolled the dice and self insured. Homeowners insurance would have cost around $2,500 a year with a 5% wind and hail deductible which would have come out to $7,500 out of pocket. I figured that if I saved enough money that it would be worth self insuring, never expecting the second largest hurricane to take a direct hit on my house.
Yeah, Ca. central valley is hot in the summer but, no hurricanes, tornados. All earthquakes are far enough away that they are mild when they reach us, fires are far enough a way that we only have to deal with some smoke. But I wouldn't call them predictable and manageable. You can predict there will be fires, that's about it.Quote:
Originally Posted by Shaggy Hiker
But if this drought continues for several more years, I think Ca. agriculture will start to collapse. This whole area will turn back to desert.
Your homeowners would have been $2500?!?!? WHY??? Is that with flood insurance, or is there something else? I'm not even sure what I pay. It's small enough that I don't pay it much attention, but I'm pretty doggone sure it's only around a fifth of that.Quote:
Originally Posted by dday9
No, that would be for just the homeowners. The reason it is so high is because of the location. If I were to purchase flood insurance, it actually wouldn't be bad because I'm in a flood zone B so it was something like $500 for the year.Quote:
Originally Posted by Shaggy Hiker
The way homeowners insurance works here is that your wind and hail deductible is a percentage of your dwelling coverage. So in my case, coverage is $150,000 on the home and 5% of that is $7,500.
Geeze, all WE have to worry about is burning down....
If we paid 5%, I'd be going broke fast. My house has tripled in value in the last few years. In fact, if I take the low point it hit around 2008, it's probably about a five fold increase. It got down around $60K, and is now up around $300K, but it's been rising so fast I don't know if that $300K is high or low. If it's high...give it a couple more months.
Yeah, that's why I tried justifying not carrying the insurance. I knew that even if I did have the insurance that I'd need to take out a loan just to meet my deductible.
By the way, that $2,500 was with a 5% deductible. My first quote was for a 2% deductible and the premium was over $5k. I can't remember the exact price, but I remember almost falling out of my seat.
That certainly sounds like some pretty high insurance rates. I suppose, hurricanes and tornados do tend to drive it up. We have hail, and we have windstorms, but nothing like what you get.
By "Self Insure" do you mean saving money yourself to use against a possible crisis? I do that for smaller things but I'd be terrified to do it with household insurance. Mind you, if the premium was £2500 I might think twice:eek:
For comparison I looked up the cost of my last house insurance renewal. It was £197 and that's on a house worth just shy of £400K. I guess we live in very different worlds. Mind you, in the UK the biggest risk from the weather is that the house might become depressed and start questioning it's life choices.
Have you had a chance to assess what the cost of the damage could be yet?
We went out on Wednesday and did a preliminary assessment. I mean, the biggest issue is going to be the water damage. Thankfully there’s no structural damage to my roof, so it’ll be anywhere between $6k -$8k to replace. The biggest unknown is how much water got in the walls/ceilings/floor.