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hmmmm... i honestly dont have a clue what my insurance would cover in that case. but if we are having earthquakes in northern michigan strong enough to damage foundations i think that i would have much more serious concerns then the condition of my property because i assume the world would be coming to an end. i wonder if they cover volcanoes, tsunamis, and meteor strikes here too
Trust me....you don't want to know... Insurance companies won't cover any "earth movement", "foundation settling" type stuff without special riders....I had every tile in my kitchen split along a straight line....even the concrete in my driveway! In the middle of the night, just cracked all at once.....no earthquake...no sinkhole....nothing. If it had been a burst waterpipe...no problem.....but just a shift in the foundation....not covered $6000 to replace the floor........I'll live with the crack for a while.....
Remind me why I pay homeowners insurance again?????
so there is no explanation at all for what happened? it seems like something maybe the people who did the concrete work would be at fault for. although i doubt there is any way to prove it or have them accept responsibility. thats shitty.
i think most people have it because its required by the mortgage. but its not a bad idea. take it from someone who woke up to a house full of smoke and lost everything. and just my luck at the time my insurance had been canceled for a month because i was out of work and on week number 5 of waiting for my first unemployment check to arrive so i could pay it back up.
Trust me....you don't want to know... Insurance companies won't cover any "earth movement", "foundation settling" type stuff without special riders....I had every tile in my kitchen split along a straight line....even the concrete in my driveway! In the middle of the night, just cracked all at once.....no earthquake...no sinkhole....nothing. If it had been a burst waterpipe...no problem.....but just a shift in the foundation....not covered $6000 to replace the floor........I'll live with the crack for a while.....
Remind me why I pay homeowners insurance again?????
so there is no explanation at all for what happened? it seems like something maybe the people who did the concrete work would be at fault for. although i doubt there is any way to prove it or have them accept responsibility. thats crappy.
i think most people have it because its required by the mortgage. but its not a bad idea. take it from someone who woke up to a house full of smoke and lost everything. and just my luck at the time my insurance had been canceled for a month because i was out of work and on week number 5 of waiting for my first unemployment check to arrive so i could pay it back up.
I was actually just reading up on fault lines east of the Rockies. Turns out that earthquakes DO happen but they are so far down in the earth that we don't feel them like they would in CA. It would register as a shift and cause something like... say... a crack in the foundation.
Sorry about the fire dude. Everbody make it out OK?
well i 100 percent agree that people waiting 5 days for any sort of assistance is out of line. although alot of those people should have left when told to evacuate. but no matter what there is no excuse for the inept response to all of this. and my point is that freek things happen. get insurance. if insurance isnt available becasue something happens so frequently that insurance companies say no way then make a choice to risk living there and accept responsibility or live somewhere else. you cant have your cake and eat it too. and if all you have is cds and whatnot then i guess your not risking too much. but if you have enough stuff to be concerned about and cant stand to lose it then insure it. and if you cant afford the insurance then maybe you have too much stuff.
and i do realize that insurance companies are shady. they often try to say that it wasnt wind damage it was flood damage which isnt covered. but its our elected officals that should be protecting us from big companies. unfortunatly they are all in the pockets of lobbyists and big companies. please quit voting for those crooked bastards!!!
They don't call them hurricanes over there, but they certainly do get hit with what we would equate with "Nor'easters" here in the states.....More of the snow/sleet/high wind storms than the tropical systems....more like the "perfect storm" scenarios than the True Hurricanes like we see in the Gulf. But trust me...the Oil Rigs in the North Sea get hit. The coasts of Holland and Belgium get serious storms that rival major North American hurricanes. And even if they haven't actually been HIT by a cat 5 hurrican equivalent, they simulate them and build their models to handle them and then engineer to those standards or above when building their barriers....because they know it is possible. It ISN"T just a fairy tale. If you know anything about ISO 9000 or 9001 or the STEP standards.....you know how seriously they take safety in the Process Industry which is driven primarily by the European Offshore Oil Consortiums led by StatOil and Shell Oil.....that has driven much of these safety standards in levys and offshore oil rig saftey standards....not just fairy tales
so there is no explanation at all for what happened? it seems like something maybe the people who did the concrete work would be at fault for. although i doubt there is any way to prove it or have them accept responsibility. thats crappy.
i think most people have it because its required by the mortgage. but its not a bad idea. take it from someone who woke up to a house full of smoke and lost everything. and just my luck at the time my insurance had been canceled for a month because i was out of work and on week number 5 of waiting for my first unemployment check to arrive so i could pay it back up.
I was actually just reading up on fault lines east of the Rockies. Turns out that earthquakes DO happen but they are so far down in the earth that we don't feel them like they would in CA. It would register as a shift and cause something like... say... a crack in the foundation.
Sorry about the fire dude. Everbody make it out OK?
yep it was just my dog and i. we are both fine. al little freeked out but fine. i made it out with him, my car, and a pair of shorts. all 2 weeks before roo in 05. but i still made roo, so its all good! ;D and the police managed to rescue my weed and shrooms from my dresser! what a great group of guys. needless to say the herb and shrooms didnt make it to roo and ive still got to talk to the man about that one day.
and i actually have a big line of hills that i can see from my house if above the tree line that is the only fault line in michigan, or so ive been told. but i have never ever heard of an earthquake coming from it. i guess its not entirely impossible though.
Post by oatmealschnappz on Aug 30, 2007 23:48:26 GMT -5
bamabelle said:
They don't call them hurricanes over there, but they certainly do get hit with what we would equate with "Nor'easters" here in the states.....More of the snow/sleet/high wind storms than the tropical systems....more like the "perfect storm" scenarios than the True Hurricanes like we see in the Gulf. But trust me...the Oil Rigs in the North Sea get hit. The coasts of Holland and Belgium get serious storms that rival major North American hurricanes. And even if they haven't actually been HIT by a cat 5 hurrican equivalent, they simulate them and build their models to handle them and then engineer to those standards or above when building their barriers....because they know it is possible. It ISN"T just a fairy tale. If you know anything about ISO 9000 or 9001 or the STEP standards.....you know how seriously they take safety in the Process Industry which is driven primarily by the European Offshore Oil Consortiums led by StatOil and Shell Oil.....that has driven much of these safety standards in levys and offshore oil rig saftey standards....not just fairy tales
Very true. But you made reference to a fairy tale (your words,not mine) and that is what I was responding to. Also, major storm cells always travel east to west and south to north, so the chances of northwestern Europe being hit by ANYTHING even close to comparable to what bombards the southeastern U.S. or southeast Asia evry year is virtually non-existant. Yes. All parts of the world get hit by major storms....but they are only major relative to their placement on the planet. Northwest ANYWHERE simply does not and will not suffer like other parts of the world do.
Last Edit: Aug 30, 2007 23:49:45 GMT -5 by oatmealschnappz - Back to Top
so there is no explanation at all for what happened? it seems like something maybe the people who did the concrete work would be at fault for. although i doubt there is any way to prove it or have them accept responsibility. thats crappy.
i think most people have it because its required by the mortgage. but its not a bad idea. take it from someone who woke up to a house full of smoke and lost everything. and just my luck at the time my insurance had been canceled for a month because i was out of work and on week number 5 of waiting for my first unemployment check to arrive so i could pay it back up.
Hate it about the fire....hope it is all better now or on the way there.... Only explanation I could ever piece together was that the builder didn't put down a membrance between the tile and the foundation that would have allowed some movement (float) if there was a slight shift in the foundation or a small earthquake deep that caused a shift that the tile would have some give and wouldn't just crack....but they weren't required by building code to install the flexible membrane so of course they didn't cause it would have cost more Like maybe $159......sigh. So now I have to find $6000 to replace my whole floor now....
[=Very true. But you made reference to a fairy tale (your words,not mine) and that is what I was responding to. Also, major storm cells always travel east to west and south to north, so the chances of northwestern Europe being hit by ANYTHING even close to comparable to what bombards the southeastern U.S. or southeast Asia evry year is virtually non-existant. Yes. All parts of the world get hit by major storms....but they are only major relative to their placement on the planet. Northwest ANYWHERE simply does not and will not suffer like other parts of the world do.
LOL! Dude....how long have you live in ATL?? You obviously haven't lived here through too many tornado seasons! ;D
In the US, Major storm systems travel Excactly opposite what you just describe....most major storm systems travel west to east and north to south......Now, Tropical Storm Systems, they DO travel from the south Atlantic to the North Atlantic and up either into the Gulf of Mexico or up the East Coast of the US during Hurricane season, but the steering winds change for the seasons.....The jet stream is always in flux and that is what eventually determines where and what direction the weather flows.....
yep its all good now. and in the long run it was a positive experience. it helped me realize whats important in life and what just seems important. im no longer concerned with material things. i can put everything i own in my van and i plan to keep it that way. i also slept on a floor at a friends for a couple months and my chronic back pain suprisingly went away. i guess that after evolving for thousands of years sleeping on the ground beds arent the best thing in the world. i still sleep on the floor to this day by choice and havent had my regular backpain since i started it.
although i must admit i miss my 1500 dollar stereo. i wont replace it because id rather spend my money on something iportant, like doing fun things with family and friends. but damn i miss it sometimes!
and sorry about your floor. that really sucks. houses suck. i thinking about going back to renting. keeping a house is too expensive. and the expenses always seem to pop up unexpectedly at the worse times.
Last Edit: Aug 31, 2007 0:04:50 GMT -5 by Dude - Back to Top
Post by oatmealschnappz on Aug 31, 2007 0:04:37 GMT -5
^^ Bamabelle, If you want to try and tell me that major storm systems (hurricaines, typhoons, etc) don't travel southeast to northwest, all I can say is that you are beyond wrong. Yeah. Storms, rain and tornados do travel in every possible direction but, that isn't what we are talking about here. We are tralking about major storm cells, not just storms.
LOL! While I may live in Atlanta, which has absoulutely nothing to do with anything, I know which way the wind blows.
Last Edit: Aug 31, 2007 0:05:02 GMT -5 by oatmealschnappz - Back to Top
Post by oatmealschnappz on Aug 31, 2007 0:07:53 GMT -5
oatmealschnappz said:
^^ Bamabelle, If you want to try and tell me that major storm systems (hurricaines, typhoons, etc) don't travel southeast to northwest, all I can say is that you are beyond wrong. Yeah. Storms, rain and tornados do travel in every possible direction but, that isn't what we are talking about here. We are tralking about major storm cells, not just storms.
LOL! While I may live in Atlanta, which has absoulutely nothing to do with anything, I know which way the wind blows.
For instance... When was the last time you remember a hurricaine hitting California (not Baja residue but, a real hurricaine)or Ireland? ??? It just doesn't work like that.
Last Edit: Aug 31, 2007 0:08:41 GMT -5 by oatmealschnappz - Back to Top
it was just a couple of years ago that we had the first ever hurricane that went the worng way. i beleive it was a hurricane. it may have just been a serious tropical storm. but it was a first and is attributed to global warming. but i guess since it was the first it dosent help much in this argument ;D
i should have payed attention to what way the tent flew when the roo twister sucked it up this year ;D
^^ Bamabelle, If you want to try and tell me that major storm systems (hurricaines, typhoons, etc) don't travel southeast to northwest, all I can say is that you are beyond wrong. Yeah. Storms, rain and tornados do travel in every possible direction but, that isn't what we are talking about here. We are tralking about major storm cells, not just storms.
LOL! While I may live in Atlanta, which has absoulutely nothing to do with anything, I know which way the wind blows.
OK, are we talking about major Tropical Storm Systems or major Storm Fronts? Those are both significant weather events and they tend to move in different directions....I agree that Tropical systems NORMALLY move southeast to northwest though they can change direction with upper level air currents at any time which makes them so unpredictable....wind shear....
Once a system makes landfall onto the the US.....most organized storm FRONTS move west to East, north to south in the CONUS....there are rogue, popup stand alone storms that go against these norms, and even some fronts driven by pressure differentials and the position of the jet stream.....so it depends on what "major events" you are talking about....
I assume you mean Katrina BEFORE landfall then , not the track it took inland AFTER landfall, through MS, AL GA, NC then back out into the Atlanic and back to LA and TX.....so.....yes for the most part you would be correct......
Post by oatmealschnappz on Aug 31, 2007 1:05:20 GMT -5
bamabelle said:
I assume you mean Katrina BEFORE landfall then , not the track it took inland AFTER landfall, through MS, AL GA, NC then back out into the Atlanic and back to LA and TX.....so.....yes for the most part you would be correct......
For the most part? Right! You seem to be alternating your arguments on this one. Pick one....and I'll respond.
Last Edit: Aug 31, 2007 1:08:09 GMT -5 by oatmealschnappz - Back to Top
LOL! Hurricanes are unpredictable so I reserve the right to be unpredictable too...
Especially while trying to keep up with several online conversations, a phone conversation and a couple of football games on TV..... Have to work on my mutli-tasking skills
Insurance companies won't cover any "earth movement", "foundation settling" type stuff without special riders....I had every tile in my kitchen split along a straight line....even the concrete in my driveway! In the middle of the night, just cracked all at once.....no earthquake...no sinkhole....nothing. If it had been a burst waterpipe...no problem.....but just a shift in the foundation....not covered 
$6000 to replace the floor........I'll live with the crack for a while..... 
and ive still got to talk to the man about that one day. 
Like maybe $159......sigh. So now I have to find $6000 to replace my whole floor now.... 
Have to work on my mutli-tasking skills