with the huge floods in alberta the news now is starting to cover the issue of property damange and insurance.. we've never really thought a lot about insurance cover for flooding because it became a big issue in the uk about 5-10 years ago with limited land availability leading to building on flood plains and the eventual inevitable consequences and so when we bought over here we didn't buy anywhere that was a possible flood risk.
our choice seems to have worked out as we've been completely untouched by the recent issues but tragically, others have been less fortunate and apparently few people are covered for 'overland flooding' which is where water enters your house through doors and windows.. it's hard to really know what is fair.
i understand the reason why insurers don't cover it and the arguments on both sides.. one one hand, we included the flood risk when puchasing a home.
The flood insurance is put into escrow, so it is factored into your monthly P&I. I'm not sure what happens once you pay off your mortgage. I assume you could drop the flood insurance. Not sure why you would want to though.
I wouldn't say the federal government was trying to lower premiums. I think it was more trying to protect the homeowner as well as the lender.
so, unexpectedly, the final talk was announced today and to my surprise and evil glee, they announced gerrit loesch as the speaker!
first off, at the beginning of his talk, he interrupted himself in the middle of his sentence to scold the microphone brother to lower my mike it's right in my face.. anyway, it was the talk on inspired truth, vs. inspired falsehoods.
he went through 6 expressions inspired by the demons.
with the huge floods in alberta the news now is starting to cover the issue of property damange and insurance.. we've never really thought a lot about insurance cover for flooding because it became a big issue in the uk about 5-10 years ago with limited land availability leading to building on flood plains and the eventual inevitable consequences and so when we bought over here we didn't buy anywhere that was a possible flood risk.
our choice seems to have worked out as we've been completely untouched by the recent issues but tragically, others have been less fortunate and apparently few people are covered for 'overland flooding' which is where water enters your house through doors and windows.. it's hard to really know what is fair.
i understand the reason why insurers don't cover it and the arguments on both sides.. one one hand, we included the flood risk when puchasing a home.
In the United States if you are in a high-risk flood zone you are required to purchase flood insurance. Moderate-risk zones are not required by the federal government but some lenders will require it with your mortgage.
If I remember correctly I believe premiums for flood insurance normally run about $500 annually.
it,s simple, i can not remember crap from my previous life.. the wife told me today if you come back in the next life, please.
take some science classes.. if i could remember a small percentage of my life today, just a little.
bit, man would it make a difference.. in school i would be 100% nerd, geek, book worm.
it,s simple, i can not remember crap from my previous life.. the wife told me today if you come back in the next life, please.
take some science classes.. if i could remember a small percentage of my life today, just a little.
bit, man would it make a difference.. in school i would be 100% nerd, geek, book worm.
ok i started another thread and every one jumped on me because i was trying to take the theory of evolution out of the mix and most here seem to believe in it so i will just say it.
the theory of major evolution is crap!
the theory is falling apart.
before the usual suspects start reaching for the pich-forks and forming a mob, i invite you to actually read and consider this, not just leap to conclusions.. http://www.globalpost.com/dispatch/news/regions/americas/united-states/130607/7-graphs-america-overrated-nsa-prism-privacy.
why do i care?
it seems the people being screwed the most are also the most visciferous defenders of the status quo which sees them being severely disadvantaged.. maternity leave?
ok so if the bible is nothing more then a pagan religious book, then how do all of you that think this, think we got here?
and please don't tell me you believe in evolution, because even the experts are finding major flaws in that theory.
so what is your opinion??
People who say things like "evolution is just a theory" must have failed basic science classes in grade school. One of the first things you are taught is the scientific method. If you can't grasp even that basic method for scientific analysis, then you should not have passed any science class.
I'd be interested to know what facts and experts you are referring to.