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Flood regs travesty

December 14, 2013

Would not want to be in their shoes? What are the county commissioners of Lycoming County gonna do about this one? Half of Jersey Shore, Hughesville, all of Muncy, Lycoming Creek, ......

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(57)

MariananeK

Dec-16-13 11:02 PM

Private companies do sell flood insurance, however it is still the government that regulates it and pays the claims. So no matter how you look at it you still are dealing with the government. The rates are all set by the government. At one time you bought flood insurance through the government, but they decided to let private companies handle the selling of the policies. So that they didn't have to deal with it.

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firemedic08

Dec-16-13 3:42 PM

"By the way Kerstetter I was there and seen em.

Some time you should get off your fat butt and see what goes on in the world."

Bobbie2 ******************** I was there also. I surely didn't see anyone "Sitting around". But then again I'm a GOVT Employee, so by your logic, I'm part of the problem problem.

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mikekerstetter

Dec-16-13 3:41 AM

Bobbie2-"Is there only 1 hotel in the NJ, NYC area bubble butt? The world is larger than the 10 foot circle around your couch."

You're making yourself look like a bigger fool than you already are. Most people, when they realize they are digging themselves a hole, quit digging. Not you.

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farmer

Dec-15-13 9:34 PM

hopeforfuture "that the only flood insurance is government flood insurance. The government made the regulations so stringent for the insurance companies they no longer offer flood insurance." Sorry, this is false. Before the 1950s most homeowner policies covered flooding, however, as the payout cost started rising by 1960 virtually all insurance co. dropped flood insurance. There were no govt. regulations, it just cost too much. So in 1968 the fed gov. stepped in and created The National Flood Ins Act. And now the Govt. is having the same problem. So the question is do we subsidize the program more or raise the premiums?

Please use facts in your arguments, try not to always blame Big Bad Government. Lord knows they mess up enough without people making stuff up.

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BornHere

Dec-15-13 3:02 PM

Mike, private insurance companies do sell flood insurance policies the names of some can be found on the FEMA website for Pa.

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mikekerstetter

Dec-15-13 2:19 PM

Nobud, I don't think any insurance companies sell flood insurance.

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nobud74

Dec-15-13 1:29 PM

Spike, dikes will help with flood protection. But, they come with the price of taxation. Why should I pay to protect a home by increasing my taxes? If you choose to live there, pay the insurance. But, the bigger question is why and how we have come to this place. I think this is an issue that the insurance companies need to address. If you choose to live there you pay the price, it shouldn't be subsidized by my rates going up. If I drive a sports car, my insurance goes up, why not the same thing with houses? This will decrease the value of these homes and those people will be in a bind. I would really rather that happen and we help with resale as opposed to continually supplementing their insurance rates.

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spike2

Dec-15-13 6:15 AM

NoBud - I agree. I'll bet we paid less to replace low-end homes post- Katrina than multi-million dollar homes in California.I guess a big part of the problem is the value of homes and contents. What is needed to decrease the chance of some homes being flooded? Do we need dikes or other forms of flood protection?

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mikekerstetter

Dec-15-13 3:31 AM

Bobbie2-"Didn't say Manhattan, you did."

It was the article that you used that said the $300 rooms were in Manhattan. You didn't read that part. Now you want us to think that the FEMA people who complained they weren't being utilized in New Jersey were the ones who were staying in the $300 (below market value) rooms in Manhattan. Sorry, but just like your left leaning cuz Sham I don't believe a word you say and go look for myself. Nice try though, Butt Munch. Now run along and go play with the other silly trolls.

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nobud74

Dec-14-13 8:55 PM

Spike, I would bet that number does include summer homes and cabins. But, they have insurance. I was thinking about the people who live in areas prone to tornadoes. I wonder if they will also see their insurance rates increase. They should. They choose to live in an area prone to devastating weather events, just like the rain that causes floods, so shouldn't they pay a higher premium than those of us who don't live in such areas. Then, if they do, how will that affect the housing industry? What about homes in areas prone to wild fires? It really could be a bigger mess than it currently is.

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DavidBross

Dec-14-13 8:47 PM

Erik, your reply doesn't address the fact that you used the last Ice Age as a reason to not believe that people are having an impact on the climate. You may be right that we aren't having an impact, I doubt it, but you may be right. My problem with your Ice Age rationale is that no one is saying people impacted the climate during the last Ice Age.

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spike2

Dec-14-13 7:41 PM

does anyone have a list of the "flood-prone" areas or there boundaries? I can believe 53,000. I bet some are summer homes and cabins on the various creeks and streams.

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mikekerstetter

Dec-14-13 6:07 PM

Surely you can do better than that Bobbie. First you post about $300 rooms in Manhattan and then when it's pointed out that $300 is below market value, you switch to FEMA workers in NJ who reported to Management that they weren't being utilized as they should have been.

Really, that's the best you can do to denigrate public employees? Point out that they reported to management that they weren't being utilized? It looks to me like they did the responsible thing in reporting it.

Too much eggnog there egg head?

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mikekerstetter

Dec-14-13 4:41 PM

Bobbie's back to trolling. Must be snowed in and bored again.

What IS the going rate for a hotel room in downtown Manhattan during their busiest time of the year? Try telling the story in context Shaman of the Right.

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eriklatranyi

Dec-14-13 3:57 PM

DavidBross:

Since recent temperatures were not forecast be any climate model of the past 30 years, I question your faith in a failing theory.

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Capricorn1

Dec-14-13 3:12 PM

Mim, I agree and that was the point I was trying to make. People are getting swept up in these flood zones that have lived in their homes for years and never had any incident of flooding yet they are now burdened with these outrageous premiums. I have no problem with those that have a history of flooding and required aid to have to pay for this insurance if they choose to stay, but I have a hard time believing that all 53 thousand properties in Lycoming County that are in flood zones actually have this history.

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MimLogue

Dec-14-13 1:51 PM

Mr. Shame"If they just required all tenants to pay their water bill all would be right with the world.""

That would probably be enough money to pay my preimiums, lol

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MimLogue

Dec-14-13 1:46 PM

If I am in the 100 year flood plain that says I would flood once in 100 years , and to what damage? i have a 3 story home , I may lose my furnace and water heater and electric panel and maybe some carpet what is that damage 25,000 would be pushing it, so I am paying 9,000$ for 100 years that 900,000$ hom many times are these actuaries expecting my home to flood??I have been here since 1980 have never had a drop of water? these are the figures that make me wonder??

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MimLogue

Dec-14-13 1:41 PM

100,000$ home in flood plain woud pay 1,000$ a year and that would be enty of insurance to cover the liabiity, but now tha actuaries are adding the 27 billion they squandered and the Katrina debacle making premiums go to 9 to 16,000 a year, that is way more then should ever be paid out? Its not us building in the flood plain, my home has been here since 1898,

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DavidBross

Dec-14-13 1:18 PM

"eriklatranyi- weather is caused by climate change but what changes the climate? If it is man then how did man cause the Ice Age?" The people who say we are changing the climate are not saying we are the only impact on the climate in history. Rather, they are saying we are a current and significant impactor on the climate. Honestly, Erik, if you think the question you posed about the Ice Age is a good argument against the idea of humans impacting climate change, I have to wonder about some of the other arguments you have presented regarding economics, and politics.

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BornHere

Dec-14-13 1:14 PM

Thanks gavin, he sure is one sick puppy isn't he?

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gavinf56

Dec-14-13 1:05 PM

It's a fb group.

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BornHere

Dec-14-13 12:58 PM

erik, what is a Communist Study Circle?

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BornHere

Dec-14-13 12:42 PM

Mike, back in 2011 if you had no insurance FEMA was offering low-interest loans to help you repair or rebuild your home.

If you had insurance what they would not cover FEMA had money available to make up the difference, FEMA's goal was to help homeowner's with the cost of replacing the destroyed home.

FEMA also offered BUY-OUTS on some of these properties, but the homeowners were willing to stay, so they only bought out 8 properties.

To me if you were willing to stay you should have received nothing from FEMA.

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hopeforfuture

Dec-14-13 12:39 PM

eriklatranyi- weather is caused by climate change but what changes the climate? If it is man then how did man cause the Ice Age? The Earth is a fluid planet. Val canoes, earthquakes and the sun have more to do with climate change than man.

Some of the recent flooding in our area has to do with the building of highways that divert the water to places it never went before.

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