Quote From: lgrant
I have a message for the media:
Hurricane Katrina was terrible, but "The Government" is not responsible for the damage or for re-building private homes and businesses.
When Hurricane Hugo hit my town, my private insurance covered my private losses. FEMA was there for loans, but the repairing damage was my responsibility.
The real focus of your televised program should be that many, many people --all over the country--lack the resources to take care of themselves. Katrina didn't cause this situation; it just made this fact obvious to the world.
The insurance companies are getting into a p***ing contest over what kind of coverage you have...
With my friends situation, he didn't live on the water or below sea level...the winds caused the tidal surge, which in turn caused the water damage i.e. flooding...his insurance company of course said no, it was flooding, and since he didn't carry flood insurance they wouldn't cover it....
That's the problem IMHO, the insurance carriers are looking at ways to AVOID paying claims, by using its "flood" damage because most people don't carry flood insurance.
I think that if you live in certain areas, especially those below sea level it should be mandatory that flood insurance be carried....
The bottom line is however, that the taxpayers are going to end up footing the bill....whether the insurance companies pay out or nor, we'll either have to pay higher premiums for the pay-outs, or we'll have to just pony up the entire cost.
For the poster who said that Hurricane evacuees are living better, I hope that's not the norm...but you do hear more and more of this...the abuse of the cards, people taking advantage of the FEMA trailers, and you really really hope this is not the norm, and I don't think that it is. But I agree, several of the surrounding states have had their public assistance programs MAXED out with the hurricane evacuees, where legal residents of the state's can't get help....
It's a no win situation, and it will take a lot of time and effort to rebuild.