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The new “what did you do to your Z today” (with off topic replies) XXXVIII

Originally Posted by eastwest2300 whats up fellas. Hey bud, I’ve been thinking about your situation re. flood insurance. My advice, and I’ll leave it be after this, would be to

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Old 12-15-2020, 05:30 PM   #1 (permalink)
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Originally Posted by eastwest2300 View Post
whats up fellas.
Hey bud, I’ve been thinking about your situation re. flood insurance. My advice, and I’ll leave it be after this, would be to research it online and then contact your home insurance agent and speak with them about it and how to go about getting set up with it.

PS- don’t forget about getting, if you don’t already have it, mold and mildew remediation coverage added to your homeowners policy. That **** can get expensive super quick, I’ll lay out a scenario for everyone:

Storm hits, your roof gets damage and water intrusion aka some flooding. Home insurance company says okay, your roof is covered but not the water damage, that’s flood insurance, flood insurance then covers the water damage but in the course of that repair, they find extensive mold issues bc Florida and it took months to get contractors and the insurance company crap squared away. Flood insurance will cover new drywall and appliances but it won’t treat the mold issue. Without a mold policy rider, you may end up with no coverage for that, kinda hard to close up everything if there’s mold behind. Now you need to come up with that $$ for mold immediately or the whole project is in limbo.

Mold remediation can get real expensive quick, think asbestos remediation levels of $$.

Ok, sorry to be sounding like a Debbie downer and I’m not trying to scare you, just trying to educate and hopefully help a new homeowner avoid common pitfalls for first time homeownership.
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Old 12-15-2020, 05:47 PM   #2 (permalink)
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Originally Posted by FL 4Motion View Post
Hey bud, I’ve been thinking about your situation re. flood insurance. My advice, and I’ll leave it be................Ok, sorry to be sounding like a Debbie downer and I’m not trying to scare you, just trying to educate and hopefully help a new homeowner avoid common pitfalls for first time homeownership.
Excellent advice and you sound like you understand the insurance game quite well. Your scenario is exactly what could easily happen.

The only part of your story that disturbs me is that my wife’s name is Debbie.

Last edited by Spoiler; 12-15-2020 at 05:51 PM.
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Old 12-15-2020, 06:08 PM   #3 (permalink)
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Originally Posted by Spoiler View Post
Excellent advice and you sound like you understand the insurance game quite well. Your scenario is exactly what could easily happen.

The only part of your story that disturbs me is that my wife’s name is Debbie.
My knowledge of the insurance game pales in comparison to your knowledge of bacon. You sir, have probably forgotten more about bacon than I’ll ever know.
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Old 12-15-2020, 06:15 PM   #4 (permalink)
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One brace down, one to go. After I'm done. Then it's off to Bill for powdercoating.
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Old 12-15-2020, 06:21 PM   #5 (permalink)
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Wifey got the Insta-pot out. She made a chicken and bean soup. Boy.....it was good. Has a bit of a southwest kick. About 2 alarm. It will clean out your sinus.
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Old 12-15-2020, 07:16 PM   #6 (permalink)
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One brace down, one to go. After I'm done. Then it's off to Bill for powdercoating.
Just let me know however much to PayPal you
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Old 12-16-2020, 06:00 AM   #7 (permalink)
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Just let me know however much to PayPal you
I'll get some powder ordered this weekend. For real this time I'm not going to dream for 3 hours and leave a cart full of powder just sitting again

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Old 12-15-2020, 07:26 PM   #8 (permalink)
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One brace down, one to go. After I'm done. Then it's off to Bill for powdercoating.
Swank. Hit me with how2pay.
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Old 12-15-2020, 09:10 PM   #9 (permalink)
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Just let me know however much to PayPal you
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Swank. Hit me with how2pay.
Once I ship them to Bill, and what the cost to ship them to him. Then I'll tell you how much. Then you can paypal me.
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Old 12-16-2020, 06:03 AM   #10 (permalink)
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Swank. Hit me with how2pay.
Are you still ok with that flat wrinkle black? If so I should have yours done and ready to go this weekend.

I also have gloss white on hand.

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Old 12-16-2020, 06:48 AM   #11 (permalink)
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Looks like we're supposed to get anywhere from 3" - 10" of snow today. Given Philly's terrible snow mitigation tactics in the NE, I'm working from home again. 40 extra minutes of sleep, even with a workout, and a much better view. How are things for all of you?
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Old 12-16-2020, 08:32 AM   #12 (permalink)
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Are you still ok with that flat wrinkle black? If so I should have yours done and ready to go this weekend.

I also have gloss white on hand.

Sent from my SM-G965U using Tapatalk
Oooooh let's try a gloss white that sounds... shiny
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Old 12-15-2020, 07:20 PM   #13 (permalink)
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Originally Posted by Spoiler View Post
Excellent advice and you sound like you understand the insurance game quite well. Your scenario is exactly what could easily happen.

The only part of your story that disturbs me is that my wife’s name is Debbie.
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Old 12-15-2020, 07:19 PM   #14 (permalink)
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Quote:
Originally Posted by FL 4Motion View Post
Hey bud, I’ve been thinking about your situation re. flood insurance. My advice, and I’ll leave it be after this, would be to research it online and then contact your home insurance agent and speak with them about it and how to go about getting set up with it.

PS- don’t forget about getting, if you don’t already have it, mold and mildew remediation coverage added to your homeowners policy. That **** can get expensive super quick, I’ll lay out a scenario for everyone:

Storm hits, your roof gets damage and water intrusion aka some flooding. Home insurance company says okay, your roof is covered but not the water damage, that’s flood insurance, flood insurance then covers the water damage but in the course of that repair, they find extensive mold issues bc Florida and it took months to get contractors and the insurance company crap squared away. Flood insurance will cover new drywall and appliances but it won’t treat the mold issue. Without a mold policy rider, you may end up with no coverage for that, kinda hard to close up everything if there’s mold behind. Now you need to come up with that $$ for mold immediately or the whole project is in limbo.

Mold remediation can get real expensive quick, think asbestos remediation levels of $$.

Ok, sorry to be sounding like a Debbie downer and I’m not trying to scare you, just trying to educate and hopefully help a new homeowner avoid common pitfalls for first time homeownership.
dude, thank you.
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Old 12-19-2020, 07:46 PM   #15 (permalink)
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dude, thank you.


Happy to be able to help out.
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