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Originally Posted by Jupiter Sunsation
(Post 4910694)
My buddy is my insurance guy. My old policy covered like 300K in contents, so Greg says: Would you take 75K for everything in your house right now? Keeping in mind the exclusions: art, jewelry, electronics (over $2000), guns, tools, etc. NONE of that stuff would be insured anyway. He said if you have average furniture the insurance company will want to pay you garage sale prices for 5-10 yr old couches, bedroom sets whatever. He said keep contents to a minimum, they don't pay anyway in the event of a claim.
My sister in law used to live in Snell Isle over by the Vinoy golf course. High tide/ heavy rain she would have a flooded street and if a car blew down the street the "wake" would crash at her front door. I can't imagine a 3 foot flood They don’t have it on the current policy to manage the insurance premium. |
Originally Posted by hogie roll
(Post 4910696)
My parents had a total loss on a Kentucky lake house and getting paid on contents was a nightmare.
They don’t have it on the current policy to manage the insurance premium. Not looking good for us if the current path holds. Last time a storm hit FL from the bay of Campeche was 1867. |
Originally Posted by tommymonza
(Post 4910682)
What’s your business? Naples is dying for any qualified respectable busines Thank you to the FL guy's for enlightening me. Good to know it's not so bad if you just stay inland a few miles on higher ground. Keep the dream alive. |
Like others I have the min on contents that they allow with my insurance.
When I bought this one of the big things was elevation, you can wind proof just about any of these old block homes but nothing you can do for flood other than elevate. Always preferred the gulf coast but man they flood all the time. |
We are going to get Creamed, all that warm water out in the Gulf and this thing moving so slow will allow it to build to a monster.
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Originally Posted by tommymonza
(Post 4910763)
We are going to get Creamed, all that warm water out in the Gulf and this thing moving so slow will allow it to build to a monster.
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Was talking to a friend who rode out Ian in his house on whiskey creek ft Myers,
He said “welcome to the south side”. I’m thinking all the way back to Charlie and before and Sarasota has been on the offshore side of everything. My flood certificate says 11.3’ but we were within 4’ of having water in the house from Helena. If this one holds together and hits Tampa Bay it’s going to be Biblical. |
I’m not worried about the condo. We’re 2 miles in on the second floor of a 3 story concrete condo.
I’m worried about my boat. It’s 50 thousand pounds all down below but it has a lot of windage up in the yard 35 miles inland from Fort Myers. Also the big Old cruiser next to me is as tall and higher on the stands. If I wasn’t under insured I wouldn’t care but I was just happy to be able to obtain any insurance after Ian. |
Originally Posted by TexomaPowerboater
(Post 4910748)
I own a tax firm, primarily income taxation. Can go just about anywhere and find more work than I can shake a stick at. Finding people to do the work well is another story. If that wasn't an issue I could build a $5-10M company every 5 years.
Thank you to the FL guy's for enlightening me. Good to know it's not so bad if you just stay inland a few miles on higher ground. Keep the dream alive. She pretty much works remote these days from wherever she is these days. |
Originally Posted by tommymonza
(Post 4910780)
I’m not worried about the condo. We’re 2 miles in on the second floor of a 3 story concrete condo.
I’m worried about my boat. It’s 50 thousand pounds all down below but it has a lot of windage up in the yard 35 miles inland from Fort Myers. Also the big Old cruiser next to me is as tall and higher on the stands. If I wasn’t under insured I wouldn’t care but I was just happy to be able to obtain any insurance after Ian. 175 MPH now and they are saying you need to evacuate even if you are 10 miles from the coast. I've never evacuated but 175 MPH would probably send me packing. |
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