Hurricane Harvey!!!

///M Power-Belgium · 08-27-2017, 12:12 PM

Quote:

Originally Posted by P1et

I'm on the top of a hill so I'm in good shape!

On top of a hill sounds good in this situation . My house is build on a hill too .

20 min. ago I saw images on CNN , this looked like downhill !
Saw people walking with their chest in the water . Looks no good

Hope the rain in Texas will stop ASAP..And watch out for crocs !

SakhirM4 · 08-27-2017, 12:21 PM

Here's a shot from Austin - but rain has not stopped....

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///M Power-Belgium · 08-27-2017, 02:31 PM

Quote:

Originally Posted by 37psi

Oh FFS.

You mean for f@cks sake ?

Why ?

Chappers 71 · 08-27-2017, 03:14 PM

I wonder when Isis will claim responsibility

///M Power-Belgium · 08-27-2017, 04:20 PM

Quote:

Originally Posted by Chappers 71

I wonder when Isis will claim responsibility

The s@ckers claim already too much ...

///M Power-Belgium · 08-27-2017, 04:24 PM

Quote:

Originally Posted by 37psi

All this calamity in the world. Good people losing their livelihood. That kind of thing.

I agree . Personal I feel the world climate is changing .
The Belgian sun is burning like hell . I never felt this before !

sy2767 · 08-27-2017, 06:13 PM

Prayers for everyone in southern Texas, my family lost absolutely everything in the Wildfire of 2016 in northern Alberta, Canada so I know firsthand how devastating this is going to be for a lot of people there, a lot of rough days and months ahead, unfortunately. Stay strong and safe, material things can be replaced but family and loved ones can't. Don't mess with Texas!

P1 · 08-27-2017, 06:15 PM

Quote:

Originally Posted by SakhirM4

Here's a shot from Austin - but rain has not stopped....

Attachment 1681496

Remember Memorial Day of 2015? That's the benchmark for me now.

P1 · 08-27-2017, 06:34 PM

Was shocked to see this...

gonzo · 08-27-2017, 07:06 PM

^ Dickenson TX. All rescued and safe.

Dickenson is just northwest of Galveston.

shockin330i · 08-27-2017, 07:31 PM

Quote:

Originally Posted by scostu

I think you Texans are pretty tough................

https://bluelivesmatter.blue/burglar...rican-harvery/

Texas doesn't fuck around.
I have a few friends in Houston z crazy how some are fine and others are losing everything.

scostu · 08-27-2017, 07:37 PM

Quote:

Originally Posted by P1et

Was shocked to see this...

Horrendous...... same happened with Katrina and Andrew....

scostu · 08-27-2017, 07:39 PM

Quote:

Originally Posted by SakhirM4

Here's a shot from Austin - but rain has not stopped....

.. I wonder how many hundreds....potentially thousands do NOT have flood insurance....

SakhirM4 · 08-27-2017, 07:41 PM

Quote:

Originally Posted by scostu

.. I wonder how many hundreds....potentially thousands do NOT have flood insurance....

Most people in Austin, except those in the 100 year flood plane, don't .... I don't.

scostu · 08-27-2017, 07:45 PM

Quote:

Originally Posted by SakhirM4

Most people in Austin don't .... I don't.

2008 tropical storm Fay came across central Fl..never made hurricane status. Took 4 days to cross the state.... I had $15k damage due to flooding.

I have USAA hurricane and flood insurance for my home. I do NOT live in a flood zone and it cost $250/ yr for a separate flood insurance policy in addition to my hurricane policy.

USAA said because Fay never became a hurricane.... my hurricane policy did not cover it... but my separate flood insurance policy did!

RickFLM4 · 08-27-2017, 08:06 PM

Quote:

Originally Posted by scostu

2008 tropical storm Fay came across central Fl..never made hurricane status. Took 4 days to cross the state.... I had $15k damage due to flooding.

I have USAA hurricane and flood insurance for my home. I do NOT live in a flood zone and it cost $250/ yr for a separate flood insurance policy in addition to my hurricane policy.

USAA said because Fay never became a hurricane.... my hurricane policy did not cover it... but my separate flood insurance policy did!

Your hurricane policy is separate from homeowners?

I also have flood insurance (also outside flood zone) and it is better to have than not have but it maxes out at less than full homeowners insurance. Even with flood insurance, we'd lose a lot if there was devastation like that flooding occurring. There seem to be many houses and content that are total losses.

scostu · 08-27-2017, 08:11 PM

Quote:

Originally Posted by RickFLM4

Your hurricane policy is separate from homeowners?

I also have flood insurance (also outside flood zone) and it is better to have than not have but it maxes out at less than full homeowners insurance. Even with flood insurance, we'd lose a lot if there was devastation like that flooding occurring. There seem to be many houses and content that are total losses.

Sorry.... hurricane is part of my home owners policy ... but when I first bought my home in 2006.... I opted in for additional flood insurance.

insanecoder · 08-27-2017, 08:13 PM

wow nearly biblical
hope everyone down there is well and if possible stick together & help out your neighbors

kscarrol · 08-27-2017, 08:15 PM

Need to read you policy but usually not separate from homeowners but "named storms" will have much higher deductibles than other weather events.

As for flood, I can tell you USAA (my insurer) and everyone else will push EVERYTHING they can onto the flood policy as that is paid by the federal government. As I noted very early in the thread, insurance companies (USAA included!) do not have your best interest at heart. They will try every way possible to minimize claim payments.

You can buy additional/excess flood cover above and beyond the $250k structure/$100k content that the federal food program covers. Ask me how I know! : )

RickFLM4 · 08-27-2017, 08:36 PM

I believe flood is supposed to cover damage from rising water. Homeowners is supposed to cover everything else, including water damage from a roof blowing away. There are definitely storms where it can be a gray area because damage come from all over. From initial reports I would expect much of the damage in Houston to be flood-related rather than homeowners, which is a shame for the people there.

In FL windstorm deductible are usually 2% but can be as much as 10%. Yes, you can buy excess flood coverage from a private company but I suspect very, very few do so. (I do not but I would if I lived closer to the coast or another body of water like a river.) Unfortunately, many don't even have a basic flood insurance policy.

smrtypants44 · 08-27-2017, 11:05 PM

These are from my parents townhome in the heights

Untitled by smarty-pants44, on Flickr

Watching The World Burn · 08-28-2017, 09:36 AM

Saw some pictures of Houston on TV this morning - huge flooding it looks like. Looks awful, can't imagine the damage to houses / cars and while no loss of life is good, at this point they are saying only 5 deaths. Be good if that was it.

Be safe Texas!

SakhirM4 - how are things - are you still there or did you leave? What is Austin like?

08-27-2017, 12:21 PM	#68
SakhirM4 Major General 10804 Rep 8,852 Posts Drives: '15 SO M4/'20 Z4 M40i Join Date: Jul 2014 Location: Austin, TX iTrader: (0) Garage List 2020 BMW Z4 M40i [10.00] 2015 BMW M4 [8.76]	Here's a shot from Austin - but rain has not stopped.... __________________ Tejas Chapter, BMW CCA, mem #23915, President 27 years, www.tejaschapter.org
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08-27-2017, 03:14 PM	#70
Chappers 71 Major General 6023 Rep 5,748 Posts Drives: Beige G31 540ix m sport Join Date: Feb 2016 Location: Kent, The Garden of England iTrader: (0) Garage List 2018 G31 xdrive 40i ... [7.67] 2006 E92 335i SE [9.50]	I wonder when Isis will claim responsibility __________________ G31 40ix M Sport E92 335i. E36 328is coupe E39 540i V8 6SP manual E34 3.6 M5. E34 525i sport. VW Jetta Mk2 GTI 16v. 1679cc 1967 resto-cal beetle
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08-27-2017, 06:13 PM	#73
sy2767 Major 150 Rep 1,133 Posts Drives: 2013 x5 Join Date: May 2010 Location: manitoba iTrader: (1)	Prayers for everyone in southern Texas, my family lost absolutely everything in the Wildfire of 2016 in northern Alberta, Canada so I know firsthand how devastating this is going to be for a lot of people there, a lot of rough days and months ahead, unfortunately. Stay strong and safe, material things can be replaced but family and loved ones can't. Don't mess with Texas! Last edited by sy2767; 08-27-2017 at 10:21 PM..
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08-27-2017, 06:34 PM	#75
P1 Lieutenant General 11735 Rep 11,191 Posts Drives: 2004 3/4 ton Duramax Join Date: Aug 2007 Location: United States iTrader: (1)	Was shocked to see this...
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08-27-2017, 07:06 PM	#76
gonzo Lieutenant General 10344 Rep 14,457 Posts Drives: as many as possible Join Date: Jan 2007 Location: TeXXXas iTrader: (0)	^ Dickenson TX. All rescued and safe. Dickenson is just northwest of Galveston. __________________ Crazy Diamond
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08-27-2017, 08:13 PM	#84
insanecoder Banned 1411 Rep 3,211 Posts Drives: 340isDrive Join Date: May 2016 Location: East Coast USA iTrader: (0)	wow nearly biblical hope everyone down there is well and if possible stick together & help out your neighbors
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08-27-2017, 08:15 PM	#85
kscarrol Brigadier General 9817 Rep 4,137 Posts Drives: 2021 X3 M40i, 1974 2002 Tii Join Date: Jun 2010 Location: Greenville, SC iTrader: (0)	Need to read you policy but usually not separate from homeowners but "named storms" will have much higher deductibles than other weather events. As for flood, I can tell you USAA (my insurer) and everyone else will push EVERYTHING they can onto the flood policy as that is paid by the federal government. As I noted very early in the thread, insurance companies (USAA included!) do not have your best interest at heart. They will try every way possible to minimize claim payments. You can buy additional/excess flood cover above and beyond the $250k structure/$100k content that the federal food program covers. Ask me how I know! : ) __________________ 2021 X3 M40i 1974 2002tii, Inka, 5 sp manual BMWCCA # 327475
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08-27-2017, 08:36 PM	#86
RickFLM4 Brigadier General 11940 Rep 4,877 Posts Drives: M4 Join Date: Jul 2015 Location: PB County, FL iTrader: (0)	I believe flood is supposed to cover damage from rising water. Homeowners is supposed to cover everything else, including water damage from a roof blowing away. There are definitely storms where it can be a gray area because damage come from all over. From initial reports I would expect much of the damage in Houston to be flood-related rather than homeowners, which is a shame for the people there. In FL windstorm deductible are usually 2% but can be as much as 10%. Yes, you can buy excess flood coverage from a private company but I suspect very, very few do so. (I do not but I would if I lived closer to the coast or another body of water like a river.) Unfortunately, many don't even have a basic flood insurance policy. __________________ Current: 2018 SO/SS F83 ZCP Gone: 2015 SO/SO F82
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08-27-2017, 11:05 PM	#87
smrtypants44 Captain 544 Rep 913 Posts Drives: 2022 X3M Join Date: Jul 2015 Location: Tulsa, OK iTrader: (2)	These are from my parents townhome in the heights Untitled by smarty-pants44, on Flickr Untitled by smarty-pants44, on Flickr __________________
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08-28-2017, 09:36 AM	#88
Watching The World Burn Lengthy but not a Girthy Member 1339 Rep 130 Posts Drives: 1971 Honda Civic Join Date: Aug 2017 Location: Riding the high seas of your emotions iTrader: (0)	Saw some pictures of Houston on TV this morning - huge flooding it looks like. Looks awful, can't imagine the damage to houses / cars and while no loss of life is good, at this point they are saying only 5 deaths. Be good if that was it. Be safe Texas! SakhirM4 - how are things - are you still there or did you leave? What is Austin like?
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