Flood and Fire

[LennyR]

Ok , first yeah I know I'm gonna have guys telling me what a heartless jerk imam with no compassion, so that should save a couple posts for some of you. But, was listening to the news re the Chetwynd/Dawson flood situation and no way you can't feel terrible for those families in those areas devastated by the flooding, no fault of their own and really no way to prepare for that. I feel horrible for those affected and am thankful that me and my loved ones were spared that grief.
But, yesterday on the news I heard some talking head making announcement telling the people who chose to have no insurance how to move forward to receive disaster relief , I assume provided by the provincial or federal governments.
Now this is a bit of a knee jerk reaction, cause I haven't really totally thought this through, but is no insurance not a choice we all make, a risk we take, with all our possessions that are not mandated to be insured because of lenders requirements or governmental obligations ? And if many people who suffer these disasters have insurance, and the ones who chose not to , yes it's a terrible thing for their family members who may have been blameless, can expect to receive emergency benefits from taxpayer funded sources, is that a fair situation and a reasonable expectation ? Should we not be expected to make decisions in our lives and then live with the consequences ? And please understand I hate insurance companies, but I'm no way enough of a gambler to say screw it I'll take my chances, cause this may happen.
Sorry if this hits to close to home for some of you whose lives have been turned upside down . Just seems like I keep hearing these same stories form here, Ft Mac, Canmore and others, and those personal choices become governmental emergencies as soon as the $hit hits the fan. ????????

 

[Summitric]

I doo agree with you... I don't know if thats a good or bad thing. I know government assistance, isn't really much. Friends from fort mac who lost everything in an apartment, without insurance, were given assistance to different departments to put applications in for help. Mostly red cross and used donations, some new. The government helped with the loaded visa cards etc, and councelling and possible directions for some living assistance until their apartments were ready again. Yes, they should have had insurance, especially in this case, where apartment insurance is only couple hundred a year. I believe disaster relief is combination of govt and red cross, etc assistance/counselling/advice ..... That's about it

 

[papajake]

Wait till one of us get in a accident and injures or kills someone and they don't have insurance because of the economy and they don't have a pot to pys in you are left to fix it yourself today's way of thinking is if I loose everything I just go on the media and people will give me everything watch the news it happens every day

 

[troy]

It's a sad thing that a province that was one of the richest in Canada has so many people now that have being losing so much . I know that there are some that dropped insurance so there was money for power and food . I sure hope things start getting better . I heard that there is over 2000 homeless and living on the streets in Edmonton . Food banks can't keep up . Here in my small Community there was a single mother asking for food on Facebook . This day and age no one should ever go without food .
Sorry this crap has been on my mind lately .


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[Bnorth]

One thing to consider is the cost of insurance, we are talking rural areas that may not have fire department coverage and probably use wood to heat the living space. Their insurance is a lot more than the average house in a subdivision and can become prohibitively expensive especially if they are seniors on pension or fixed income.

 

[ferniesnow]

Isn't it the sign of the times? People wanting, wanting, wanting and not really willing to wait for various possessions and living way beyond their means. IMHO, insurance, even though expensive should be a no brainer. There are way too many people out there without it and have the attitude "it won't happen to me" or "someone will look after me".

 

[troy]

If stuck on a fixed income insurance can be hard to afford .
10 G a year I pay for coverage for everything .
It hurts seeing that money go away into thin air .
If you ever have a claim you feel it was money well spent .


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[ferniesnow]

If stuck on a fixed income insurance can be hard to afford .
10 G a year I pay for coverage for everything .
It hurts seeing that money go away into thin air .
If you ever have a claim you feel it was money well spent .


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You must have a lot of everything!

2000 sqft house, attached garage, two out buildings, two new vehicles, and a new holiday trailer is only $4000 in the eastern Kootenays. I agree that insurance is expensive and yes, I am on a fixed income.

What really amazes me is that we pay $3600 for friggin' phones, cable, and internet. Not that long ago, TV was free and phones were real cheap.

 

[Summitric]

30 years ago, my first house burnt to the ground ... Almost nothing was salvageable. I had insurance and sure glad i did. After they accepted liability, i was fully covered and recovered okay... Lost momentos like year books etc, that can't be replaced(i tried) and the such, but always grateful i had insurance coverage.... Won't ever do without

 

[doorfx]

Lost my prized 68 Camaro ss ragtop in a buddies barn Fire !! No insurance , because I was young and stupid. Now my chit is insured!!

 

[troy]

You must have a lot of everything!

2000 sqft house, attached garage, two out buildings, two new vehicles, and a new holiday trailer is only $4000 in the eastern Kootenays. I agree that insurance is expensive and yes, I am on a fixed income.

What really amazes me is that we pay $3600 for friggin' phones, cable, and internet. Not that long ago, TV was free and phones were real cheap.

I am self employed so coverage for my shop and coverage for customer vehicles is close to 5 k a year
Then add vehicles
Camper
Sleds
Atv
Utv's
Seadoo
House
What do you do , if you don't have coverage your stuff that you worked hard for can disappear and then what .
And now since hard times are around the thiefs are stealing stuff left and right . And our over priced insurance is only paying a fraction of what the stuff costs to replace .Even if your lost toy is replaced with the same year of used .


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[lilduke]

Can't even hardly afford the insurance on my sleds,quads, sxs, Lamborghini,Yaht, trophy truck ext. times are tuff! Lmao

 

[Radar78]

Isn't it the sign of the times? People wanting, wanting, wanting and not really willing to wait for various possessions and living way beyond their means. IMHO, insurance, even though expensive should be a no brainer. There are way too many people out there without it and have the attitude "it won't happen to me" or "someone will look after me".

I totally agree with you. Although I'm somewhat guilty of this myself.


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[mbmb]

Ok , first yeah I know I'm gonna have guys telling me what a heartless jerk imam with no compassion, so that should save a couple posts for some of you. But, was listening to the news re the Chetwynd/Dawson flood situation and no way you can't feel terrible for those families in those areas devastated by the flooding, no fault of their own and really no way to prepare for that. I feel horrible for those affected and am thankful that me and my loved ones were spared that grief.
But, yesterday on the news I heard some talking head making announcement telling the people who chose to have no insurance how to move forward to receive disaster relief , I assume provided by the provincial or federal governments.
Now this is a bit of a knee jerk reaction, cause I haven't really totally thought this through, but is no insurance not a choice we all make, a risk we take, with all our possessions that are not mandated to be insured because of lenders requirements or governmental obligations ? And if many people who suffer these disasters have insurance, and the ones who chose not to , yes it's a terrible thing for their family members who may have been blameless, can expect to receive emergency benefits from taxpayer funded sources, is that a fair situation and a reasonable expectation ? Should we not be expected to make decisions in our lives and then live with the consequences ? And please understand I hate insurance companies, but I'm no way enough of a gambler to say screw it I'll take my chances, cause this may happen.
Sorry if this hits to close to home for some of you whose lives have been turned upside down . Just seems like I keep hearing these same stories form here, Ft Mac, Canmore and others, and those personal choices become governmental emergencies as soon as the $hit hits the fan. ????????

Totally agree with you LennyR, I insure everything. However if times did get tough to make ends meet it would be the first thing I cut. I'm guessing most who did not have coverage chose not to rather than it being something they couldn't afford.

 

[snopro]

Its this way in farming to. If I get dried out I claim on my crop insurance. If a whole region gets dried out then the government steps in to offer payouts to the guys with no insurance. Why do I pay $20,000+ every year? Doesn't make sense.

 

[LUCKY 7]

I might have to come up for a visit to talk about the whole fixed income and get more information about it.

You must have a lot of everything!

2000 sqft house, attached garage, two out buildings, two new vehicles, and a new holiday trailer is only $4000 in the eastern Kootenays. I agree that insurance is expensive and yes, I am on a fixed income.

What really amazes me is that we pay $3600 for friggin' phones, cable, and internet. Not that long ago, TV was free and phones were real cheap.

 

[DRD]

Didn't think you could get flood insurance in Canada even if you wanted it,? You would be screwed without government in situations like Chetwynd


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[winterax]

Cooperator's automatically put overland flooding on my home policy last year even though I'm nowhere near water. Flooding due to sewer back up was always on.

 

[LennyR]

Sorta seems to me , more often lately than ever before , people have the opinion that " MY lack of planning and use of common sense constitutes YOUR emergency ". In some cases obviously it's warranted , but in others , not so much.

 

[ferniesnow]

I might have to come up for a visit to talk about the whole fixed income and get more information about it.

Any time you have time buddy. I'd be glad to help out.