HK wrote:
Eisboch wrote:
"HK" wrote in message
. ..

Indeed. It also annoys me that my homeowners' premium reflects the
losses for those who choose to live dangerously. I chose NOT to build my
house on the edge of insanity, and yet my premium covers some of the
cost of providing insurance for those who do.



Holy Crap!

Harry, you are turning into a republican!

Eisboch



My mother was a Republican in an era when Republican officeholders were
not beholden to the Christian ayatollahs. I worked as a volunteer for
our local Italian Republican congressman, Albert Cretella, when I was a
high schooler.

Harry,
What makes you think you are paying for those in the areas likely to
flood?

Reginald P. Smithers III wrote:
HK wrote:
Eisboch wrote:
"HK" wrote in message
. ..

Indeed. It also annoys me that my homeowners' premium reflects the
losses for those who choose to live dangerously. I chose NOT to
build my
house on the edge of insanity, and yet my premium covers some of the
cost of providing insurance for those who do.



Holy Crap!

Harry, you are turning into a republican!

Eisboch



My mother was a Republican in an era when Republican officeholders
were not beholden to the Christian ayatollahs. I worked as a volunteer
for our local Italian Republican congressman, Albert Cretella, when I
was a high schooler.

Harry,
What makes you think you are paying for those in the areas likely to flood?



Reggie

Why do you keep asking me questions or offering me advice?

HK wrote:
Reginald P. Smithers III wrote:
HK wrote:
Eisboch wrote:
"HK" wrote in message
. ..

Indeed. It also annoys me that my homeowners' premium reflects the
losses for those who choose to live dangerously. I chose NOT to
build my
house on the edge of insanity, and yet my premium covers some of the
cost of providing insurance for those who do.



Holy Crap!

Harry, you are turning into a republican!

Eisboch



My mother was a Republican in an era when Republican officeholders
were not beholden to the Christian ayatollahs. I worked as a
volunteer for our local Italian Republican congressman, Albert
Cretella, when I was a high schooler.

Harry,
What makes you think you are paying for those in the areas likely to
flood?



Reggie

Why do you keep asking me questions or offering me advice?


So what makes you think you are paying for living in an area likely to
flood? I would recommend you look for another insurance carrier.

Reginald P. Smithers III wrote:



So what makes you think you are paying for living in an area likely to
flood? I would recommend you look for another insurance carrier.

Harry,
This reason I ask, is in my state ( and I thought in all states)
flooding is not covered by your normal household insurance, you have to
buy separate insurance just to cover floods. So if you are 100 ft.
above sea level, you really should not be buying flood insurance.

Reginald P. Smithers III wrote:
Reginald P. Smithers III wrote:
So if you are 100 ft.
above sea level, you really should not be buying flood insurance.


I'm sure your advice will be well-received by those who live near rivers
that leave their banks.

Reginald P. Smithers III wrote:
HK wrote:
Reginald P. Smithers III wrote:
HK wrote:
Eisboch wrote:
"HK" wrote in message
. ..

Indeed. It also annoys me that my homeowners' premium reflects the
losses for those who choose to live dangerously. I chose NOT to
build my
house on the edge of insanity, and yet my premium covers some of the
cost of providing insurance for those who do.



Holy Crap!

Harry, you are turning into a republican!

Eisboch



My mother was a Republican in an era when Republican officeholders
were not beholden to the Christian ayatollahs. I worked as a
volunteer for our local Italian Republican congressman, Albert
Cretella, when I was a high schooler.

Harry,
What makes you think you are paying for those in the areas likely to
flood?



Reggie

Why do you keep asking me questions or offering me advice?


So what makes you think you are paying for living in an area likely to
flood? I would recommend you look for another insurance carrier.



You're ever the a**hole, eh, Reggie?

HK wrote:
Reginald P. Smithers III wrote:
Reginald P. Smithers III wrote:
So if you are 100 ft.
above sea level, you really should not be buying flood insurance.


I'm sure your advice will be well-received by those who live near rivers
that leave their banks.

Harry,
I am just trying to help you understand your homeowners insurance. I am
sure many people have your misunderstanding about your homeowners
insurance. Flood Insurance covers damage caused by any kind of flood
damage, including hurricane surge. Since you are 100 ft. above sea
level, you have a very low risk of being hit by a storm surge. Hence,
you really should not be buying Flood Insurance. If you insurance
carrier is charging you for Flood Insurance, you are being ripped off.

So while you should be paying a premium to be living next to an open
area that does have a higher risk from strong winds, you should not be
paying a penny more because people are building in a flood plan.

I hope this explanation helps.

JimH wrote:
"HK" wrote in message
. ..
Reginald P. Smithers III wrote:
HK wrote:
Reginald P. Smithers III wrote:
HK wrote:
Eisboch wrote:
"HK" wrote in message
. ..

Indeed. It also annoys me that my homeowners' premium reflects the
losses for those who choose to live dangerously. I chose NOT to
build my
house on the edge of insanity, and yet my premium covers some of the
cost of providing insurance for those who do.


Holy Crap!

Harry, you are turning into a republican!

Eisboch


My mother was a Republican in an era when Republican officeholders
were not beholden to the Christian ayatollahs. I worked as a volunteer
for our local Italian Republican congressman, Albert Cretella, when I
was a high schooler.
Harry,
What makes you think you are paying for those in the areas likely to
flood?


Reggie

Why do you keep asking me questions or offering me advice?

So what makes you think you are paying for living in an area likely to
flood? I would recommend you look for another insurance carrier.


You're ever the a**hole, eh, Reggie?

Harry, you know Reggie's only purpose here is to try to pick fights with a
select few here. This is obvious in this thread.

Based on the posts I see in this NG he alone wears the badge of trouble
maker here. He refuses to change and improve the quality of this NG.

Ignore him. He is not worth a second thought.



JimH, how is this picking a fight?

"HK" wrote in message
...
Eisboch wrote:
"HK" wrote in message
. ..

Indeed. It also annoys me that my homeowners' premium reflects the
losses for those who choose to live dangerously. I chose NOT to build
my
house on the edge of insanity, and yet my premium covers some of the
cost of providing insurance for those who do.



Holy Crap!

Harry, you are turning into a republican!

Eisboch



My mother was a Republican in an era when Republican officeholders were
not beholden to the Christian ayatollahs. I worked as a volunteer for
our local Italian Republican congressman, Albert Cretella, when I was a
high schooler.

Damm .... a good joke wasted...

Eisboch

wrote:
On Wed, 24 Oct 2007 14:29:20 -0400, "Reginald P. Smithers III"
wrote:

Harry is safe from floods, but anyone on the coast is more likely to be
hit with a strong hurricane than one who lives inland. I really don't
know if insurance companies charge a premium based upon location, but
they really should.


In Florida your "windstorm insurance" costs more than your homeowners
with a 4-6% of the policy limit deductible. (100,000 policy has a
$4000-6000 deductible, per occurance) I think you can also get a 10%
deductible. Much like flood, homeowners does not cover wind so you
end up with 3 policies, all up in 4 figures. The major carriers won't
even write


within 10 miles of the water so you are not subsidizing me
at all. Even when the majors did write here, Florida was usually
writing from a separate company.

I had the feeling this would be an informative thread.