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Hurricane Ian
Posted by: MindMeld
Date: October 02, 2022 08:53AM
Anxious to hear from any of our members from the areas hit by hurricane Ian. The devastation looks horrendous in many areas. Praying for victims and relief workers.
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Re: Hurricane Ian
Posted by: PeterB
Date: October 02, 2022 10:08AM
Yes -- though I suspect that any forum members really hit head on with Ian might not necessarily be able to check in or post about it.

I have the distinct feeling that we may end up seeing something very similar to what happened with Hurricane Ida here -- in the immediate weeks after the storm, the city became nearly unlivable for a number of people -- no power, no potable water, etc. If you had a generator, you could manage, though it was still pretty unpleasant -- except for the fact that the city essentially ran out of gas, so the lines to get gas (and the prices of that gas) were insane. (Side note: good reason to do what I did and buy a generator with two or three different fuel options.) It took a total of 3-4 weeks for things to be restored to some semblance of normalcy, and even then, people were still dealing with cleanup, insurance companies and claims, etc.




Freya says, 'Hello from NOLA, baby!' (Laissez bon temps rouler!)
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Re: Hurricane Ian
Posted by: Ombligo
Date: October 02, 2022 11:50AM
One thing we are hearing from the state is that insurance companies may have gotten lucky. Homeowners Insurance in Florida does not cover flood damage. You have to have separate Flood insurance handled by the federal government (and very expensive). Since most of the damage involved storm surge, insurance won't be paying out. Only about 30% of eligible homeowners carried flood insurance, so those without are essentially uninsured.



“No persons are more frequently wrong, than those who will not admit they are wrong.” -- François de La Rochefoucauld

"Those who cannot accept the past are condemned to revise it." -- Geo. Mathias
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Re: Hurricane Ian
Posted by: Tiangou
Date: October 02, 2022 11:55AM
Quote
Ombligo
One thing we are hearing from the state is that insurance companies may have gotten lucky. Homeowners Insurance in Florida does not cover flood damage. You have to have separate Flood insurance handled by the federal government (and very expensive). Since most of the damage involved storm surge, insurance won't be paying out. Only about 30% of eligible homeowners carried flood insurance, so those without are essentially uninsured.

There's also separate hurricane insurance.

Wind damage isn't covered by many policies.

Makes one wonder how this stuff isn't mandatory throughout the hurricane belt. Where's the federal government stepping in to regulate insurers?



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Re: Hurricane Ian
Posted by: RgrF
Date: October 02, 2022 12:35PM
Isn't that a state responsibility?
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Re: Hurricane Ian
Posted by: Tiangou
Date: October 02, 2022 01:33PM
Quote
RgrF
Isn't that a state responsibility?

This is a federal issue and there's no doubt that Congress has the authority to regulate it via Commerce Clause.

The commerce power is not confined in its exercise to the regulation of commerce among the states. It extends to those activities intrastate which so affect interstate commerce, or the exertion of the power of Congress over it, as to make regulation of them appropriate means to the attainment of a legitimate end, the effective execution of the granted power to regulate interstate commerce.... The power of Congress over interstate commerce is plenary and complete in itself, may be exercised to its utmost extent, and acknowledges no limitations other than are prescribed in the Constitution.... It follows that no form of state activity can constitutionally thwart the regulatory power granted by the commerce clause to Congress. Hence, the reach of that power extends to those intrastate activities which in a substantial way interfere with or obstruct the exercise of the granted power.

Hurricanes cross state lines. The damage affects supplies and consumer prices across the country. The federal government is called upon to provide aid (FEMA, etc). Insurers operate in multiple states. Etc.



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Re: Hurricane Ian
Posted by: Speedy
Date: October 02, 2022 01:41PM
If my home was on wheels, I think I would have pulled up stakes and headed for the Miami area about a week before the storm hit. Although I suppose many of these RVs are parked there in the summer while their owners are still in Ohio or Indiana.





Saint Cloud, Minnesota, where the weather is wonderful even when it isn't.
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Re: Hurricane Ian
Posted by: vicrock
Date: October 02, 2022 02:41PM
Given that it is just early Oct, most of the "snowbird" who winter in FL haven't yet arrived. That's a good thing, as they missed out on possible injury or death from Ian. Their properties may or may not have survived, but unless they come down to check, there is less of a resource drain than there might have been.
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Re: Hurricane Ian
Posted by: Acer
Date: October 02, 2022 02:42PM
Quote
Speedy
If my home was on wheels, I think I would have pulled up stakes and headed for the Miami area about a week before the storm hit. Although I suppose many of these RVs are parked there in the summer while their owners are still in Ohio or Indiana.


More than a few probably weren't roadworthy, without fresh tires at the very least.



Edited 1 time(s). Last edit at 10/02/2022 02:42PM by Acer.
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Re: Hurricane Ian
Posted by: PeterB
Date: October 02, 2022 03:03PM
Quote
Ombligo
One thing we are hearing from the state is that insurance companies may have gotten lucky. Homeowners Insurance in Florida does not cover flood damage. You have to have separate Flood insurance handled by the federal government (and very expensive). Since most of the damage involved storm surge, insurance won't be paying out. Only about 30% of eligible homeowners carried flood insurance, so those without are essentially uninsured.

It's the same thing here regarding flood insurance... though it's not super-expensive, relatively speaking. Most homeowners' insurance here DOES cover hurricane, but usually with a very sizable deductible.




Freya says, 'Hello from NOLA, baby!' (Laissez bon temps rouler!)
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Re: Hurricane Ian
Posted by: rz
Date: October 02, 2022 06:29PM
No power for almost 4 days now. It’s supposed to be back on by midnight tonight, but I don’t have a lot of faith. No flooding at our house and mostly just branches down.
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