Anyone here near Midland?

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Post by MiamiSpartan on Fri 22 May 2020 - 10:10

The Pantry wrote:
InTenSity wrote:
Its what FEMA uses to give the percentage of chance of flood to determine the cost of flood insurance. I live in a .01% flood area, or once in 1000 years, so I get to pay $465 a year in flood insurance.
Sounds cheap. Those in Florida and along the Gulf coast should be paying much more.

Good to know you're an expert on the various landscapes and drainage in the area.
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Post by The Pantry on Fri 22 May 2020 - 10:42

MiamiSpartan wrote:
The Pantry wrote:Sounds cheap. Those in Florida and along the Gulf coast should be paying much more.

Good to know you're an expert on the various landscapes and drainage in the area.
Arguing landscape and drainage in Florida? lol! Don't have to be an expert to know hurricanes come every year, or has common sense escaped you in the sun?


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Post by Heat Miser on Fri 22 May 2020 - 11:11

The Pantry wrote:
MiamiSpartan wrote:
The Pantry wrote:Sounds cheap. Those in Florida and along the Gulf coast should be paying much more.

Good to know you're an expert on the various landscapes and drainage in the area.
Arguing landscape and drainage in Florida? lol! Don't have to be an expert to know hurricanes come every year, or has common sense escaped you in the sun?


People that live closer to the ocean than him do pay much more. That's how insurance works. Except in Michigan, where everyone pays abnormally high rates for auto insurance.
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Post by InTenSity on Fri 22 May 2020 - 11:16

The Pantry wrote:
MiamiSpartan wrote:

Good to know you're an expert on the various landscapes and drainage in the area.
Arguing landscape and drainage in Florida? lol! Don't have to be an expert to know hurricanes come every year, or has common sense escaped you in the sun?


I said that is what I pay for Flood insurance, which is different than my house insurance with the hurricane premium. Without any discounts my home insurance would be around $5500 a year, and that is with a $17,500 deductible if I take damage from a hurricane. Otherwise it is a $2500 deductible. I pay an additional $460 a year for flood insurance, which most likely won't happen during a hurricane with where I live.
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Post by MiamiSpartan on Fri 22 May 2020 - 14:25

The Pantry wrote:
MiamiSpartan wrote:

Good to know you're an expert on the various landscapes and drainage in the area.
Arguing landscape and drainage in Florida? lol! Don't have to be an expert to know hurricanes come every year, or has common sense escaped you in the sun?


I don't live on the beach. Inten and I live close to each other, and it is a relatively low chance of flood. It's more than 10 miles inland, so storm surge isn't coming anywhere near me. There is a canal behind my house which height is highly controlled, and raised and lowered depending on the forecast for rain, and it's probably a good 8 feet or more below the level of my house to begin with.

This is two major "500 year floods" in the last 35 years in the mid-Michigan area, and you're saying Floridians should be paying more for flood insurance, right? Ok.
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Post by The Pantry on Fri 22 May 2020 - 15:19

Heat Miser wrote:
The Pantry wrote:
Arguing landscape and drainage in Florida? lol! Don't have to be an expert to know hurricanes come every year, or has common sense escaped you in the sun?


People that live closer to the ocean than him do pay much more. That's how insurance works. Except in Michigan, where everyone pays abnormally high rates for auto insurance.
That's supposed to change July 1.  Whitmer signed the bill last May.  No idea why it takes over a year to implement.  My company designs, builds, and installs multi-station multi-robot cells in less time.  Lot of fucking around at the state level.
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Post by AvgMSUJoe on Fri 22 May 2020 - 17:14

The Pantry wrote:
Heat Miser wrote:

People that live closer to the ocean than him do pay much more. That's how insurance works. Except in Michigan, where everyone pays abnormally high rates for auto insurance.
That's supposed to change July 1.  Whitmer signed the bill last May.  No idea why it takes over a year to implement.  My company designs, builds, and installs multi-station multi-robot cells in less time.  Lot of fucking around at the state level.
It was "bargained" into the bill to allow insurance companies to continue to rape... errr... prepare for the coverage switch. Insurance lobby is strong in the Capitol. (see: major industry in Lansing)
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