Katrina victims lose in appeals court

[jundp 191]

Did the people that forged the trail for you have losses? I will answer it for ya (YEP) Looking for someone to blame? Move along and get on with it! quit whinin!

REIMBURSEMENTS? OMG!

I fail to see how I was whining, but I've read enough of your posts to not worry overmuch about it.

I do like how you conveniently made your comments about sea level, yet disregarded my pointing out the fallacies in your arguement.

I don't believe people should get a free ride. Indeed, as I said my family's been in NOLA for 2 centuries and none of them asked for a free ride. However, the blanket "deal with it" response of so many for this situation (and others in fact) pisses me off. God forbid you actually show compassion to anyone.

Nope, to some of you it's all about the bottom dollar. Hope that works well for you with karma.

You must be experiencing KARMA? I am trying to get you to stand up and deal with what you were dealt. Life can be very hard,dont look for blame! It will take over your ability to deal with whats in front of you. Never depend on someone else.

1. Since I never said that I was dependig on someone else, I don't need or want your advice, but thanks. I am well aware of life's hardships and have dealt with a few myself without the help of the government or an insurance company. That does not mean that I don't believe in showing compassion to people in need.

2. Indeed I am experiencing karma. I do live my life in the "do unto others" vein.

3. You are "trying to get me to stand up and deal with what I was dealt"? ####### does that even mean? Because I commented that I think these people are getting screwed by their insurance companies? Perhaps that's a directive to others, sure, fine, works for me. Don't direct it at me, please.

4. City still more mostly at or above sea level, btw. Just saying is all....

[Pinocchio Liberal 268]

Did the people that forged the trail for you have losses? I will answer it for ya (YEP) Looking for someone to blame? Move along and get on with it! quit whinin!

REIMBURSEMENTS? OMG!

I fail to see how I was whining, but I've read enough of your posts to not worry overmuch about it.

I do like how you conveniently made your comments about sea level, yet disregarded my pointing out the fallacies in your arguement.

I don't believe people should get a free ride. Indeed, as I said my family's been in NOLA for 2 centuries and none of them asked for a free ride. However, the blanket "deal with it" response of so many for this situation (and others in fact) pisses me off. God forbid you actually show compassion to anyone.

Nope, to some of you it's all about the bottom dollar. Hope that works well for you with karma.

You must be experiencing KARMA? I am trying to get you to stand up and deal with what you were dealt. Life can be very hard,dont look for blame! It will take over your ability to deal with whats in front of you. Never depend on someone else.

1. Since I never said that I was dependig on someone else, I don't need or want your advice, but thanks. I am well aware of life's hardships and have dealt with a few myself without the help of the government or an insurance company. That does not mean that I don't believe in showing compassion to people in need.

2. Indeed I am experiencing karma. I do live my life in the "do unto others" vein.

3. You are "trying to get me to stand up and deal with what I was dealt"? ####### does that even mean? Because I commented that I think these people are getting screwed by their insurance companies? Perhaps that's a directive to others, sure, fine, works for me. Don't direct it at me, please.

4. City still more mostly at or above sea level, btw. Just saying is all....

Your energy is spent mostly on "Blame" Is it doin you good? Of course not! your anger rules you like a bad habit!

[ColombianoGringo 0]

While I feel for these people, the simple fact is that they were not insured for flooding. Most homeowners policies specifically exclude any type of flood damage. They will normally go into detail about excluding water damage from storms to river overflows and everything in between. It is not the responsibility of the insurance company to pay for something they weren't paid to insure. I hate the insurance mafia as much as the next guy, but it does not make them liable.

If you live below sea level and the only thing protecting your home is a levy built and maintained by the government, you need to buy flood insurance. If you can't afford it, you would do well to move. That is just a sad reality.

[Pinocchio Liberal 268]

While I feel for these people, the simple fact is that they were not insured for flooding. Most homeowners policies specifically exclude any type of flood damage. They will normally go into detail about excluding water damage from storms to river overflows and everything in between. It is not the responsibility of the insurance company to pay for something they weren't paid to insure. I hate the insurance mafia as much as the next guy, but it does not make them liable.

If you live below sea level and the only thing protecting your home is a levy built and maintained by the government, you need to buy flood insurance. If you can't afford it, you would do well to move. That is just a sad reality.

YAY, finally someone in reality!

[jundp 191]

Your energy is spent mostly on "Blame" Is it doin you good? Of course not! your anger rules you like a bad habit!

BWAHAHAHAHAHAHAHAHAHAHAHAHA

OMG sorry. Ok. I really think you must be reading something completely different from what I'm writing.

But you gave me a good laugh, thanks

I'm so not an angry person, but I do like intelligent discussions. And I don't apologize for being compassionate or for feeling that some people getting ripped off by their insurance companies for certain ambiguous wording means I'm angry. Sure there are always people who will try to beat the system and get a free ride. Just as there are people who are getting ripped off. True story. Doesn't mean I'm placing blame or being angry. That is reality.

G'night.

[Pinocchio Liberal 268]

Your energy is spent mostly on "Blame" Is it doin you good? Of course not! your anger rules you like a bad habit!

BWAHAHAHAHAHAHAHAHAHAHAHAHA

OMG sorry. Ok. I really think you must be reading something completely different from what I'm writing.

But you gave me a good laugh, thanks

I'm so not an angry person, but I do like intelligent discussions. And I don't apologize for being compassionate or for feeling that some people getting ripped off by their insurance companies for certain ambiguous wording means I'm angry. Sure there are always people who will try to beat the system and get a free ride. Just as there are people who are getting ripped off. True story. Doesn't mean I'm placing blame or being angry. That is reality.

G'night.

Your online compassion is worthless! (words are so cheap these days) Your (so not) an angry person? Very juvinile thing to say.

[Trumplestiltskin 5,791]

Half the problem with insurance is its all about 'how not to pay'.

Even if you have coverage it doesn't mean that the company will pay out. It wouldn't be the first time that a court has ruled in the insurance companies favour rather than them pay out on thousands of cases. Look what happened on 9/11. Think the insurance companies paid out on all those life insurance claims?

Edited August 3, 2007 by Number 6

[Dr_LHA 3]

Although I agree with the point that people in NO should probably have had flood insurance, I think that this post:

Well you know if you buy a house 20 feet below sea level, ###### happens! Dont expect me to come to the rescue with my taxes.

Sue? yep thats the answer! blame your decision on whatever you can.

Probably sums up for me everything that is wrong with America today, this awful "** you" attitude.

What would you rather your taxes were spent on? Helping US citizens or arming Isreal? Guess which got more government funding?

[Trumplestiltskin 5,791]

Although I agree with the point that people in NO should probably have had flood insurance, I think that this post:

Well you know if you buy a house 20 feet below sea level, ###### happens! Dont expect me to come to the rescue with my taxes.

Sue? yep thats the answer! blame your decision on whatever you can.

Probably sums up for me everything that is wrong with America today, this awful "** you" attitude.

What would you rather your taxes were spent on? Helping US citizens or arming Isreal? Guess which got more government funding?

I think people would be singing a different tune if it were their homes destroyed by a hurricane, and everything they've worked for for years is lost. I think that's enough to make some people tie a rope around their neck.

[Fandango 1,439]

When I lived down in S FLa, a few years or so after Hurricane Andrew (we weren't affected), my mom and I both got some small print policy information from our home insurance. We used the same ins, so we both made an appt with the franchise owner to sit and discuss what all the policy changes meant. They wound up changing a lot of t&c on the policy. Which made us have to each take out separate riders for flood, fine arts & collectibles, etc....

Guy said 'you are the only two who have called about the changes'

So I have to agree with Gary in this aspect.

___________________

What I DONT' understand is the way things work in NO. Where I am now, if you live in a flood zone, you are required to carry flood ins. I wonder why this wasn't the case in NO?

[MHandMB 0]

We just bought a house and were required to buy flood insurance even though I wouldn't really consider our area "high risk." It was a pain in our wallet, but we had some torrential rains here this week, and there was some flooding near the river a few miles down the road, and I kept thinking "well, at least we're covered if anything happens."

I know now that hindsight is 20/20, and the people in NO are wishing they had made better decisions about their insurance. However, it's a very sad and depressing thing to see all that these people have gone through and find out that they basically have nothing left. I can't even fathom what they must be going through, and whether they should have been more "responsible" or not, they are still basically left with nothing. It's a very sad situation.

[Trumplestiltskin 5,791]

When I lived down in S FLa, a few years or so after Hurricane Andrew (we weren't affected), my mom and I both got some small print policy information from our home insurance. We used the same ins, so we both made an appt with the franchise owner to sit and discuss what all the policy changes meant. They wound up changing a lot of t&c on the policy. Which made us have to each take out separate riders for flood, fine arts & collectibles, etc....

Guy said 'you are the only two who have called about the changes'

So I have to agree with Gary in this aspect.

___________________

What I DONT' understand is the way things work in NO. Where I am now, if you live in a flood zone, you are required to carry flood ins. I wonder why this wasn't the case in NO?

The insurance companies know that people don't read the small print. But I do that its weird that you have to buy separate insurance if you live in a flood/hurricane/earthquake prone area. It should surely be mandatory.

[MissStacey 1]

A friend of ours just got a Lawyer and is trying to settle up with Allstate. We'll see what happens.

[Fandango 1,439]

When I lived down in S FLa, a few years or so after Hurricane Andrew (we weren't affected), my mom and I both got some small print policy information from our home insurance. We used the same ins, so we both made an appt with the franchise owner to sit and discuss what all the policy changes meant. They wound up changing a lot of t&c on the policy. Which made us have to each take out separate riders for flood, fine arts & collectibles, etc....

Guy said 'you are the only two who have called about the changes'

So I have to agree with Gary in this aspect.

___________________

What I DONT' understand is the way things work in NO. Where I am now, if you live in a flood zone, you are required to carry flood ins. I wonder why this wasn't the case in NO?

The insurance companies know that people don't read the small print. But I do that its weird that you have to buy separate insurance if you live in a flood/hurricane/earthquake prone area. It should surely be mandatory.

Right, but it's not the ins companies' fault if the consumers don't keep abreast of changes in their policies...

Edited August 3, 2007 by LisaD

[Trumplestiltskin 5,791]

When I lived down in S FLa, a few years or so after Hurricane Andrew (we weren't affected), my mom and I both got some small print policy information from our home insurance. We used the same ins, so we both made an appt with the franchise owner to sit and discuss what all the policy changes meant. They wound up changing a lot of t&c on the policy. Which made us have to each take out separate riders for flood, fine arts & collectibles, etc....

Guy said 'you are the only two who have called about the changes'

So I have to agree with Gary in this aspect.

___________________

What I DONT' understand is the way things work in NO. Where I am now, if you live in a flood zone, you are required to carry flood ins. I wonder why this wasn't the case in NO?

The insurance companies know that people don't read the small print. But I do that its weird that you have to buy separate insurance if you live in a flood/hurricane/earthquake prone area. It should surely be mandatory.

Right, but it's not the ins companies' fault if the consumers doesn't keep abreast of changes in their policies...

True - but these days you pretty much have to have an advanced understanding of legal terminology to make sense of some of the hidden stuff in those contracts. Same with health insurance - I wonder whether people really do choose the right plans for them or merely choose to read what the insurance company decides is important to highlight.

I do think that the insurance industry needs to be better regulated so that their pursuit of profit (which lets face it is a big conflict of interest) doesn't come at the expense of diddling the consumer out of insurance payments; or giving them a false sense of security that they are covered when in fact they aren't.

Edited August 3, 2007 by Number 6