Good morning!!!!

[PJSprog]

Happy Birthday, Chris.

 

[sodamo]

Oh Happy Days, Canadian Thanksgiving, Columbus Day

 

[daugen]

lot of insurance will get paid out here but only a part of the real damage tab
to South Texas. Builder/engineer likely to declare bankruptcy.

current insured loss estimate for Florida is $67 Billion dollars. Insurance companies pulling out, hope folks are building these bridges to withstand
some seriously high winds. I hope Desantis shows some appreciation for the fact the Feds/i.e. all of us are helping to pay to fix the damage. As we should.
We will dig deeper in our pockets, more to Red Cross, more for the price of food.

As long as they cap the insurance limit for Federal Flood insurance, which indirectly loses so much money we all subsidize it to some extent, particularly those of us living
on tops of hills...I'm ok with the money of the all paying the claims of the few. But why do we allow new construction on what are basically sand bars?
I'm sorry for folks with waterfront properties but at some point, the water just might be rising a bit. At some point you are just courting disaster.
I'm not sure I want to subsidize that courtship by paying higher homeowner insurance because of national loss ratios, not just your state or county.

My insurance office had a very clear brown stain running all the way around the room's wood paneling about four feet up. That was the Flood of '55.
Owner cleaned up but left the marking line, sure made for good story when I described the fact that technically my office wasn't in the flood zone.
realistically it obviously was so the maps were nowhere near as accurate as today's gps updated ones. They lagged behind for a long time.
The 1955 line went clear through the downtown. We all knew what could flood again regardless of the maps. I sold a lot of flood insurance. Folks wanted to have homes right
on the Delaware River, regardless of how many times the property had gotten wrecked in the past. Tree trunks floating down the River can do a number on your exterior walls...
So they could get up to I think 200,000 on the building back then and only 40 thousand on contents. I'm sure those limits are much higher now, but stuff costs way more to fix now also.
Anyone who had nice artwork in their home near the river were informed of the availability of personal fine arts/property contents floater, literally....covering stuff that floated away when
flood insurance wouldn't. All risks except for intentional fraud. Rate was low, 15 cents on a hundred I think. Jewelry was 1.30, almost ten times higher.

I like to be near the water but not in it. Except on a big boat...
Chris, Happy Birthday, hit the big one, well the little big one...
Many more Happy Days

 

[m7040]

The clean up continues. Hauled out a dozen front end loads full of branches, logs. Starting to make a dent in it. Plan is to get it cleared before cutting down the next trees

 

[Thomas]

50F sun cloud mixed around 30F overnight.

Notice this morning gas was $3.39 on way home $3.49.
Long day at work but once I put backpack blower to work for hour and half positive attitude.

No plans for the evening might watch little football.

Enjoy your evening all.

 

[Buppies]

Happy Birthday Chris and many more

 

[m7040]

lot of insurance will get paid out here but only a part of the real damage tab
to South Texas. Builder/engineer likely to declare bankruptcy.

current insured loss estimate for Florida is $67 Billion dollars. Insurance companies pulling out, hope folks are building these bridges to withstand
some seriously high winds. I hope Desantis shows some appreciation for the fact the Feds/i.e. all of us are helping to pay to fix the damage. As we should.
We will dig deeper in our pockets, more to Red Cross, more for the price of food.

As long as they cap the insurance limit for Federal Flood insurance, which indirectly loses so much money we all subsidize it to some extent, particularly those of us living
on tops of hills...I'm ok with the money of the all paying the claims of the few. But why do we allow new construction on what are basically sand bars?
I'm sorry for folks with waterfront properties but at some point, the water just might be rising a bit. At some point you are just courting disaster.
I'm not sure I want to subsidize that courtship by paying higher homeowner insurance because of national loss ratios, not just your state or county.

My insurance office had a very clear brown stain running all the way around the room's wood paneling about four feet up. That was the Flood of '55.
Owner cleaned up but left the marking line, sure made for good story when I described the fact that technically my office wasn't in the flood zone.
realistically it obviously was so the maps were nowhere near as accurate as today's gps updated ones. They lagged behind for a long time.
The 1955 line went clear through the downtown. We all knew what could flood again regardless of the maps. I sold a lot of flood insurance. Folks wanted to have homes right
on the Delaware River, regardless of how many times the property had gotten wrecked in the past. Tree trunks floating down the River can do a number on your exterior walls...
So they could get up to I think 200,000 on the building back then and only 40 thousand on contents. I'm sure those limits are much higher now, but stuff costs way more to fix now also.
Anyone who had nice artwork in their home near the river were informed of the availability of personal fine arts/property contents floater, literally....covering stuff that floated away when
flood insurance wouldn't. All risks except for intentional fraud. Rate was low, 15 cents on a hundred I think. Jewelry was 1.30, almost ten times higher.

I like to be near the water but not in it. Except on a big boat...
Chris, Happy Birthday, hit the big one, well the little big one...
Many more Happy Days

A good part of my carrier was spent on collecting on insured events under the contract for a dozen or so large power plant contracts. Some of these were for floods due to rain events or area flooding and we were claiming damages for clean up, rework and delays under the contract. The success on collecting could often be the difference between profit or loss on a project. Companies that are not well insured and astute in collecting often have to take chapter 11.

 

[txdon]

Don, I think you have a dream shtick there. I always thought about driving a tractor on the beach making the sand nice.

I would not like to get up that early.

 

[m7040]

Just ordered groceries for curbside pickup tomorrow. We use this grocery store that gives us points so generally we get 20 Percent off the bill and an extra discount on top of that for senior day. We try to shop less often so the bill is bigger for the 20 percent off

 

[Looking4new]

Happy Birthday, Chris!

The T-day ham was awesome! Sweet potato with butter and maple syrup for me and mixed veg for him.
We are basically going with non-traditional foods at holidays.