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Dec 30th, 2023
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 Re: FEMA flood insurance
[Re: butch sanders]
#14134309
09/18/21 09:46 PM
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Joined: Oct 2005
Posts: 85,970
John175☮
MACHO MAN
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MACHO MAN
Joined: Oct 2005
Posts: 85,970 |
just so John understands
i am not trying to get out of paying for this coverage
i want a fair rate
& from the info y'all have provided
i am not receiving a fair rate at all It is a fair rate. I'd like a fair rate from a roofer but hey material costs and labor ya no ain't free. Insurers pass on those same costs to high risk locations.
“Do not pray for easier lives. Pray to be stronger men.” -JFK
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Re: FEMA flood insurance
[Re: lconn4]
#14134364
09/18/21 11:11 PM
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Joined: Mar 2005
Posts: 41,625
butch sanders
OP
TFF Guru
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OP
TFF Guru
Joined: Mar 2005
Posts: 41,625 |
dang butch, that is bend over pricing ![[Linked Image]](https://i.imgur.com/XHYUDKp.gif) LOL yep no floods in 54 years i hope it does now i will have everything new
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Re: FEMA flood insurance
[Re: John175☮]
#14134365
09/18/21 11:12 PM
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Joined: Mar 2005
Posts: 41,625
butch sanders
OP
TFF Guru
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OP
TFF Guru
Joined: Mar 2005
Posts: 41,625 |
just so John understands
i am not trying to get out of paying for this coverage
i want a fair rate
& from the info y'all have provided
i am not receiving a fair rate at all It is a fair rate. I'd like a fair rate from a roofer but hey material costs and labor ya no ain't free. Insurers pass on those same costs to high risk locations. if you use our group it is fair
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Re: FEMA flood insurance
[Re: hopalong]
#14134510
09/19/21 02:19 AM
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Joined: Mar 2003
Posts: 3,667
PowerLizard
TFF Team Angler
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TFF Team Angler
Joined: Mar 2003
Posts: 3,667 |
If you don’t have certified elevation certificate it can be worth the cost for premium savings. Basically shows how far above flood plain house actually is. Without one they just go off of the flood plane you are rated in based on worst part of your property. My house is at 666’. Should I be concerned?
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Re: FEMA flood insurance
[Re: butch sanders]
#14134515
09/19/21 02:26 AM
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Joined: Feb 2008
Posts: 3,170
Leonardo1
TFF Team Angler
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TFF Team Angler
Joined: Feb 2008
Posts: 3,170 |
If you don’t have certified elevation certificate it can be worth the cost for premium savings. Basically shows how far above flood plain house actually is. Without one they just go off of the flood plane you are rated in based on worst part of your property. we have a recent survey thanks for the tip though A regular survey doesn’t necessarily establish elevation. Depending on results it can greatly reduce your premium. Also in years past, depending on zone, you can complete an elevation certificate which can reduce premiums. Basically you measure from the top of slab to the highest adjacent grade and then to the lowest adjacent grade.
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Re: FEMA flood insurance
[Re: butch sanders]
#14134761
09/19/21 03:19 PM
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Joined: Mar 2003
Posts: 10,776
Fishin' Nut
TFF Guru
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TFF Guru
Joined: Mar 2003
Posts: 10,776 |
its from pouring solid concrete in flood plains also This. When my son got married, they lived in a 5th wheel in Shady Oaks RV park just north of 380 over by Aubrey. Rain run off wasn't a problem until a new subdivision was built across the creek. Then water could come up to the top step on the trailer after a heavy rain.
He is truly a sick individual.
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Re: FEMA flood insurance
[Re: Leonardo1]
#14134770
09/19/21 03:28 PM
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Joined: Mar 2005
Posts: 41,625
butch sanders
OP
TFF Guru
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OP
TFF Guru
Joined: Mar 2005
Posts: 41,625 |
If you don’t have certified elevation certificate it can be worth the cost for premium savings. Basically shows how far above flood plain house actually is. Without one they just go off of the flood plane you are rated in based on worst part of your property. we have a recent survey thanks for the tip though A regular survey doesn’t necessarily establish elevation. Depending on results it can greatly reduce your premium. Also in years past, depending on zone, you can complete an elevation certificate which can reduce premiums. Basically you measure from the top of slab to the highest adjacent grade and then to the lowest adjacent grade. Thank You
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Re: FEMA flood insurance
[Re: butch sanders]
#14136698
09/21/21 02:13 PM
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Joined: Mar 2005
Posts: 41,625
butch sanders
OP
TFF Guru
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OP
TFF Guru
Joined: Mar 2005
Posts: 41,625 |
WOW
1 phone call repaired all
they had us listed as a non-primary residence
our rate is going to be in the same $ amount as described in the chart
PLUS
they are sending us a check, for the amount we were overcharged
going back 5 years
major payday
thanks
for y'alls help
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Re: FEMA flood insurance
[Re: butch sanders]
#14136702
09/21/21 02:15 PM
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Joined: Mar 2008
Posts: 61,091
LoneStarSon
Private Dancer
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Private Dancer
Joined: Mar 2008
Posts: 61,091 |
WOW
1 phone call repaired all
they had us listed as a non-primary residence
our rate is going to be in the same $ amount as described in the chart
PLUS
they are sending us a check, for the amount we were overcharged
going back 5 years
major payday
thanks
for y'alls help Nice!!
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Re: FEMA flood insurance
[Re: butch sanders]
#14136856
09/21/21 04:16 PM
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Joined: Nov 2008
Posts: 2,986
bigrebar
Extreme Angler
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Extreme Angler
Joined: Nov 2008
Posts: 2,986 |
Glad that worked out. I lived on Padre Island for years and barrier Island flood insurance is not cheap, but it wasn't that much!!
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Re: FEMA flood insurance
[Re: hopalong]
#14136993
09/21/21 06:57 PM
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Joined: Nov 2008
Posts: 2,986
bigrebar
Extreme Angler
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Extreme Angler
Joined: Nov 2008
Posts: 2,986 |
If you don’t have certified elevation certificate it can be worth the cost for premium savings. Basically shows how far above flood plain house actually is. Without one they just go off of the flood plane you are rated in based on worst part of your property. That is a cool web site Hop, thanks. My house sits at 1100 feet, about 150 feet or so above the cypress creek that is out my front door. Always wondered how many feet above I was.
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Re: FEMA flood insurance
[Re: bigrebar]
#14137108
09/21/21 08:45 PM
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Joined: Mar 2005
Posts: 41,625
butch sanders
OP
TFF Guru
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OP
TFF Guru
Joined: Mar 2005
Posts: 41,625 |
Glad that worked out. I lived on Padre Island for years and barrier Island flood insurance is not cheap, but it wasn't that much!! thanks
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Re: FEMA flood insurance
[Re: John175☮]
#14137276
09/22/21 12:12 AM
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Joined: Mar 2005
Posts: 41,625
butch sanders
OP
TFF Guru
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OP
TFF Guru
Joined: Mar 2005
Posts: 41,625 |
just so John understands
i am not trying to get out of paying for this coverage
i want a fair rate
& from the info y'all have provided
i am not receiving a fair rate at all It is a fair rate. I'd like a fair rate from a roofer but hey material costs and labor ya no ain't free. Insurers pass on those same costs to high risk locations. turns out it was not fair at all
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Re: FEMA flood insurance
[Re: butch sanders]
#14137370
09/22/21 01:45 AM
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Joined: Apr 2010
Posts: 26,243
patriot07
TFF Guru
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TFF Guru
Joined: Apr 2010
Posts: 26,243 |
Our new place is pretty close to the flood plain but fortunately we're good for now. If I had to start paying $1k per month in insurance, I'd move for sure.
Life can only be understood backwards; but it must be lived forwards.
- Soren Kierkegaard
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