![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
weaktwosI could swear I had some interesting details to file away. Ah! There it is.
As your friendly neighborhood recovering Insurance Agent, I will now recount my Flood Insurance experience.
Background: when i bought my house, I was in a low risk zone, so I wasn't required to get flood insurance, and I didn't. Fast forward six years later and I still don't have flood insurance. Then I watch the good folk in Vacaville, not in a flood plain, get flooded. Now it would suck to loose my real estate nest egg, so I looked into more information.
Go to www.floodsmart.gov, FEMA's site on flood insurance, and find out what your risk level is. I'm low risk. I have a less than 1 percent chance to get flooded each year. Over the life of my mortgage, though, the likelihood increases. 25% of flood claims are made by people in low risk areas, apparently. So, I bit the bullet and bought the coverage. Since I'm a low risk, I'm only paying $296 per year, but it will take a long time for my insurance premiums to exceed my home value, so it's worth it to me.
Also, is anyone else noticing funky stuff with Amazon? I made a post of some music cds I purchased from them a few weeks back, and they still haven't shipped. All of them were "usually ships after 24 hours", too. While I have free super saver shipping on the order, I also just placed an order last night, but with books and a food processor. I requested super saver shipping on that, and for whatever reason, they shipped one item off right away. I wonder if it's in a different warehouse?
Very odd. I looked at the order and didn't see any problems, so I'll have to follow up with them.
The cold is still being kept at bay, but I notice if I talk a lot, I sound like Peter Brady in his puberty years.
As your friendly neighborhood recovering Insurance Agent, I will now recount my Flood Insurance experience.
Background: when i bought my house, I was in a low risk zone, so I wasn't required to get flood insurance, and I didn't. Fast forward six years later and I still don't have flood insurance. Then I watch the good folk in Vacaville, not in a flood plain, get flooded. Now it would suck to loose my real estate nest egg, so I looked into more information.
Go to www.floodsmart.gov, FEMA's site on flood insurance, and find out what your risk level is. I'm low risk. I have a less than 1 percent chance to get flooded each year. Over the life of my mortgage, though, the likelihood increases. 25% of flood claims are made by people in low risk areas, apparently. So, I bit the bullet and bought the coverage. Since I'm a low risk, I'm only paying $296 per year, but it will take a long time for my insurance premiums to exceed my home value, so it's worth it to me.
Also, is anyone else noticing funky stuff with Amazon? I made a post of some music cds I purchased from them a few weeks back, and they still haven't shipped. All of them were "usually ships after 24 hours", too. While I have free super saver shipping on the order, I also just placed an order last night, but with books and a food processor. I requested super saver shipping on that, and for whatever reason, they shipped one item off right away. I wonder if it's in a different warehouse?
Very odd. I looked at the order and didn't see any problems, so I'll have to follow up with them.
The cold is still being kept at bay, but I notice if I talk a lot, I sound like Peter Brady in his puberty years.
![[identity profile]](https://www.dreamwidth.org/img/silk/identity/openid.png){kind=small}
no subject
Date: 2006-02-28 04:02 am (UTC)no subject
Date: 2006-02-28 05:38 am (UTC)Unfortunately, there is a 30 day waiting period once you pay for flood coverage.
no subject
Date: 2006-02-28 05:47 am (UTC)although I had flood insurance, most of my neighbors didn't. It was too bad, because most of them ended up moving, and the houses became rentals.
no subject
Date: 2006-02-28 05:48 am (UTC)