Do you have flood insurance?

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[Poll]

YES. (It's mandatory for us.)

0% (0)

YES. (It was optional for us.)

10% (2)

NO. (Don't have it, don't need it, don't want it.)

80% (16)

NO. (But I think I will call and get an estimate)

5% (1)

NO. (But I think I will look into this.)

5% (1)

Total Votes : 20

(last vote on : 7/10/2008 1:44:34 PM)
(Poll will run till: -- )

Message

Harvie -> Do you have flood insurance? (6/22/2008 11:47:26 PM)
Some friends of ours in Wisconsin have lost their home to recent flooding. And, because they didn't have flood insurance, there will be no insurance to assist them with rebuilding their lives. (This happened to many people who lost their homes in Katrina, too.) Since they didn't live in a designated "flood zone," flood insurance for them was merely optional, and not mandatory. We don't live in a flood zone, but we have flood insurance.... because we want to be covered for water damage from flooding, water mains breaking, ANYTHING. Do you have flood insurance?

Harvie -> RE: Do you have flood insurance? (6/22/2008 11:49:32 PM)
NATIONAL FLOOD INSURANCE PROGRAM WEBSITE

LBolt -> RE: Do you have flood insurance? (6/22/2008 11:57:31 PM)
Thanks, Harvie for the link!

metoo -> RE: Do you have flood insurance? (6/23/2008 1:32:11 AM)
Nope...and don't have earthquake insurance either (and I live in Southern California).

APZR -> RE: Do you have flood insurance? (6/23/2008 11:28:29 AM)
No. Our house sits on top of the second highest mountain in the county. If we flood, then some how I didn't get the message to build an ark. BTW, a water pipe bursting is not flooding in our home policy. Sewer back up is... but we are on a septic system. With the topo of our land and the lay of the nitration lines, the lid of the tank would blow out before it backed up into the house.

Harvie -> RE: Do you have flood insurance? (6/23/2008 12:46:06 PM)
A city water main bursting is a covered loss on our policy, as is a sewage backup, and flooding caused by anything that a neighbor does that sends water over our property line. (No, it doesn't cover our own water lines leaking.) It also covers a fire hydrant getting snapped off by a car and flooding everything, and the city's storm drains and basins overflowing/backing up. Plus, of course, rising water from canals, levees, rivers, creeks, lakes, ocean. And rain-related events, too. Several winters ago (our rainy season), we had some "urban flash flooding" where people got water up over their doorsteps due to the city's storm drains being overwhelmed .... which means they got water in their homes, on their carpet, and on the bottom 6" of all their furniture.... for a few hours. It happened to over 500 homes, and not one person had flood insurance. It was at that point we went out and bought flood insurance.

APZR -> RE: Do you have flood insurance? (6/24/2008 9:09:30 PM)
What's these "storm drains" and "city service" you speak of?? [:D][8D]

garsyt -> RE: Do you have flood insurance? (6/24/2008 10:58:31 PM)
Nope. We live several blocks away from a little stream and at the top of a good sized hill. A good sized storm came through several years ago now and dumped roughly 8 inches of water on us in a matter of an hour. The intersection a half block down the hill was flooded due to a storm sewer being plugged up and the little stream overflowed it's banks but other then some basements having a fair amount of water in them (we don't have a basement) not even our neighbors had any major problems even those living right on the stream due to lay of the land and the fact that the stream bed was pretty much dry as a bone before the rain came! Wow what a run on sentence! Sorry! Blessings, Garsy

ofa23 -> RE: Do you have flood insurance? (6/26/2008 12:58:07 AM)
I voted no and that I don't need it.

KnowJesus -> RE: Do you have flood insurance? (6/26/2008 2:03:44 AM)
We live on the side of a mountain that resides over a valley. There has never been any flooding here, since Noah. So, no flood insurance for us. But if we lived in the valley we might get it. A river runs through it and it does have a history of flooding.

MissGizmo -> RE: Do you have flood insurance? (6/27/2008 1:10:07 AM)
I also have no basement & do live very high up. If it should ever get this high to flood I'm sure an ark will come flooting by to pick me up.

creationtalk -> RE: Do you have flood insurance? (6/28/2008 12:20:08 AM)
I live in about the highest point in my neighborhood. My driveway at it's lowest might be underwater (has been many times) and there might be 6 inches of standing water around the house and on the hill (has been in very heavy rain when the grass is high), but for my house to actually flood we'd need to have several years of global warming to raise sea level significantly then a massive hurricane with accompanying rain and storm surge...then I might need to worry some, but I don't plan to be living here a hundred years from now, so I figure I've got some time before I need to worry about buying flood insurance (and by that time, the big environmental scare will have swung back to the coming ice age anyway).

Jenny-Fair -> RE: Do you have flood insurance? (6/28/2008 12:53:27 AM)
No. I live in the desert. Now, I do also live at the junction of three rivers (the Columbia, the Snake and the Yakima) but I don't think this particular neighborhood has EVER flooded (well, excluding biblical events). The Yakima does flood further up, but the Columbia does a good job of reducing that down thisaway. I am not concerned at any rate. This year it did get what we call high...but it never got to the grass on the banks.

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