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Here in NC, we copped "flood insurance" from our home owner's policy, even though
at 5k feet on a mtn ridge, this isn't a "flood plain". The 10 pages of fine print is not
exactly user friendly or, on "our side", but it is fairly inexpensive and offers some
protection for us here. At our FL joint, we passed on the FEMA bs programs and
got a very good "flood" rider, for both outside/inside, for a couple hundred bucks
a year, from our homeowner policy company.
No idea of those peoples' complaints but nearly every ins co. on the planet offers
some kind of flood insurance, if they had dug into their home owner's policy offerings, imo...
I would take a Pasadena on FEMA's "deal", if one has an option and, most do, imo.
We have subsided to a drizzle here, and I'm hoping the sun burns through the mile
thick fog and we see the sun, briefly, for the first time in a week. On my daily early
morning hump around the mtn, the erosion is as bad as I've seen since the 'Canes
of '04. If it wasn't for all the lush growth this year, soaking up some of the rainfall,
we might have tested our Mtn Joint's ability to slide down the slope.
GL,mD
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