Mine did too.  But it’s not related to flood claims.  Your Home Owners policy does not cover rising water.

My insurance went through the roof after Katrina and I do not live in a flood prone area. Have never even made a claim.

Avoid the question with more nonsense… no suprise.  Do you have any support for your arguement that flood claims/loss drive up the cost of standard Home Owners Insurance?  So far you have offered nothing to support your arguement.  All you have done is rant and rave about sheep.

where have you been on the moon?

Ick, debating with you is a waste of time because you refuse to support your arguement.  Here is your first post.  The post that I was attemting to debate:

“you build in a flood plain you get flooded. it;s like a beach house. you know it’s coming so shut up about it. who ever gives these people insurance needs to be tarred abd feathered for driving up the rates of others and causing the needless harm in the fisrt place. just how many would have built if they could not be insured or at least told it was to come. sheep are dumb but the shepard needs to be hung.”

You have yet to offer any supporting arguements that flood or surge claims drive the rates of standard homeowners insurance.  So sheep this and shepard that… you have no arguement.

The most desirable locals or profit over ride pubic safety and we should all just pay for it. I got your debate. Double talk about whom and what insurance company, group or policy still does not make it right.  Having people build in a known surge zone or flood plain. But then again I guess ripping the public off is the American way. Passing on the cost of someone’s greed or wants to everyone. I remember places when I was a kid that would flood or get hammered from hurricanes and yet they build. I ask them why? Don’t you know what’s coming? It will be ok I have insurance. Then you have all the tax money that goes to save them, clean up, rebuild. Greed and money.

Ick - “lol yea right. like the whole beach is wiped clean but as long as you build 15’ your ok.”

Nobody ever said or implied that.  My comment, if you read it, was refering to structures along the rivers.

Unfortunately some of the most desirable coastal vacation locals are the in the area that you are referencing.  I don’t think that your idea of not allowing any type of developement there is even a remote possibility.  I think that the current approach is the best.  The insurance companies that DO write policies along the beach are not the same ones that write standard insurance policies.  Most of the “State Farms” and other ordinary companies no longer write in these zones.  There is a specialized group that writes Coastal Policies and their exposure/loss has little to no influence on the run of the mill Home Owners Insurance companies.  Take some time and do a little research on the matter before jumping to conclusions.  Its always better to enter a debate educated on the subject matter.  And yes, I did read your comment in which you were plainly refering to houses detroyed along the beach.

yo tide, why don’t you read my comment before you post. I’m talking about the system as a whole letting people build where it is know to take damage. It is like my first post, mark the places that take the damage and not insure anyone that builds there. Now just how many do you think will build where you can’t get insurance knowing what is to come. I’m not talk about high risk or low risk. I’m talking about fact. It is a fact if you build where these houses that just flooded it will happen again. It is a fact if you build on the beach to any code you will be gutted. Why insure those ppl? Ohhhhhhhh ok because it make insurance companies rich and they can just pass the cost on to others by higher premiums and letting the Feds bail them out.

“This is why you see all of the new coonstruction along the rivers elevated atleast 12- 15 feet.”

I said Rivers ICK, not beaches.  Please read before commenting.  Construction requirements for beaches are a lot more restricive and very costly.  This is why you see all of the old residential property seeling to big time investors.