The Cellar - View Single Post

xoxoxoBruce · 12-02-2010, 01:14 AM

A year after I bought the place, the Feds came along and declared it flood plain. Having a mortgage requires buying flood insurance, and he mortgage was paid off, years ago. Although changes in the landscape and removal of streamside obstructions have shown a considerable reduction in it's being prone to flood, I kept up the insurance. The premiums have increased with the cost of living of course. Once the water came up to one of my sheds, and the insurance wouldn't cover 99% of the items in the shed, only a mower. In the cellar of the house, it will cover the washer, dryer, boiler and water heater, nothing else. Chances of it getting to the first floor are extremely small, but in that case, throw out upholstered furniture, and rugs, sand the floors, start again. Not the end of the world.

12-02-2010, 01:14 AM	#3
xoxoxoBruce The future is unwritten Join Date: Oct 2002 Posts: 71,105	A year after I bought the place, the Feds came along and declared it flood plain. Having a mortgage requires buying flood insurance, and he mortgage was paid off, years ago. Although changes in the landscape and removal of streamside obstructions have shown a considerable reduction in it's being prone to flood, I kept up the insurance. The premiums have increased with the cost of living of course. Once the water came up to one of my sheds, and the insurance wouldn't cover 99% of the items in the shed, only a mower. In the cellar of the house, it will cover the washer, dryer, boiler and water heater, nothing else. Chances of it getting to the first floor are extremely small, but in that case, throw out upholstered furniture, and rugs, sand the floors, start again. Not the end of the world. __________________ The descent of man ~ Nixon, Friedman, Reagan, Trump.