Hey so while this is fun, why don't you losers go argue about this bull#### somewhere else rather than filling these threads with stupid garbage while other people are trying to get info?
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FWIW, a bit of ladder time has me believing that the upper patio door's screen door was trapping water against the actual door. A driving rain from the east would force water past the screen and fill the gap between the glass door and screen door into a nice 2" pool.
A bit of dremel work to drill holes into the door track the screen door slides on and silicone all seams - hopefully this does the trick.
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Originally Posted by undercoverbrother
The term that is used is "help return essential property to it's basic function".
I had this debate with someone last night. If I have a 2.4 million dollar home in Elbow Park, and my basement development costs were $800,000 alone for some crazy toys like a bowling alley and theatre setup - how much would the goverment actually cover? I can't imagine they'll pony up the full $800K.
I had this debate with someone last night. If I have a 2.4 million dollar home in Elbow Park, and my basement development costs were $800,000 alone for some crazy toys like a bowling alley and theatre setup - how much would the goverment actually cover? I can't imagine they'll pony up the full $800K.
Yeah I don't really know, I think that the gov't sends in their own "adjusters" to access the damage and price it out. I am not sure of the percentage they pay, but would be floored it is was total replacement cost.
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Captain James P. DeCOSTE, CD, 18 Sep 1993
If being Jewish lets me make Jewish Lightning jokes, then sure, call me Ishmael. Anyone got a good doc to get the snip-snip done?
Its been a while since anyone's called me Adolf though. Appreciate the comment, amazed you were able to make that one up, you racist. Making a derogatory comment towards Germans, the ultimate and purist race.
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So I think this thread has been derailed enough. If you wish to continue arguing, please take it to pm. Can we get this thread back to talk about what people have to do to try and get financial help from insurance companies if they need it?
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"Opinions are like demo tapes, and I don't want to hear yours" -- Stephen Colbert
"You're not covered," spokesman Steve Kee said. "There's no overland flooding coverage in Canada.".
Colour me naive, but why? Why is it not possible to insure a home from overland flooding? Too expensive? How is it different from fire damage? Just curious.
Colour me naive, but why? Why is it not possible to insure a home from overland flooding? Too expensive? How is it different from fire damage? Just curious.
Because they can't make money from it. No one who wasn't at risk would ever buy it.
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Originally Posted by MisterJoji
Johnny eats garbage and isn’t 100% committed.
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INDIVIDUALS AND FAMILIES COVERED
Debris clean up, removal of hazardous waste.
Mould caused by the flooding.
Furnishings, appliances and clothing “of an essential nature to individuals and families.”
Repair or replacement of lawnmowers, snow blowers and personal computers.
Costs of replacing damaged equipment for vocational trades.
Meals and accommodation expenses incurred during the immediate evacuation period. NOT COVERED
He also added that Ted Menzies, minister of state for finance and an Alberta MP, has raised concerns with the Insurance Bureau of Canada about flood coverage. "We encourage the industry to respond in an appropriate way," said Kenney.
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Captain James P. DeCOSTE, CD, 18 Sep 1993
Location: Close enough to make a beer run during a TV timeout
Exp:
Quote:
Originally Posted by undercoverbrother
I find this interesting:
Quote:
He also added that Ted Menzies, minister of state for finance and an Alberta MP, has raised concerns with the Insurance Bureau of Canada about flood coverage. "We encourage the industry to respond in an appropriate way," said Kenney.
Actually this makes sense to me. No matter if it's through insurance or gov't bailouts, the bottom line is that everybody is chipping in to cover the losses. Maybe if it was up to insurance, people who choose to live so close to rivers and on flood plains might pay a higher premium. It might be a way to discourage building where it isn't safe.
I'm not saying that anybody deserved what happened this week; nor should they have to lose everything they own over this. However it a way to reduce the risks going forward.
Actually this makes sense to me. No matter if it's through insurance or gov't bailouts, the bottom line is that everybody is chipping in to cover the losses. Maybe if it was up to insurance, people who choose to live so close to rivers and on flood plains might pay a higher premium. It might be a way to discourage building where it isn't safe.
I'm not saying that anybody deserved what happened this week; nor should they have to lose everything they own over this. However it a way to reduce the risks going forward.
I actually read it that the gov't might put pressure on the industry to pay claims that they might otherwise not cover.
Many property policies deny sewer back up, if that back up is the result of overland flooding.
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Captain James P. DeCOSTE, CD, 18 Sep 1993
Actually this makes sense to me. No matter if it's through insurance or gov't bailouts, the bottom line is that everybody is chipping in to cover the losses. Maybe if it was up to insurance, people who choose to live so close to rivers and on flood plains might pay a higher premium. It might be a way to discourage building where it isn't safe.
I'm not saying that anybody deserved what happened this week; nor should they have to lose everything they own over this. However it a way to reduce the risks going forward.
I don't know this to be the case, and it might ruffle some feathers, but I'll ask it anyway. Is this type of loss fortuitous? (I'm using that in the insurance sense of the word here, before anyone gets bent out of shape and suggests otherwise!). What I mean is are these events entirely unforeseen and not preventable?
I have a hard time with this to be honest. Take a home that is say 40-50 feet away from river (its the back boundary of their yard). That seems like the chances of a loss are almost certain.
I don't know this to be the case, and it might ruffle some feathers, but I'll ask it anyway. Is this type of loss fortuitous? (I'm using that in the insurance sense of the word here, before anyone gets bent out of shape and suggests otherwise!). What I mean is are these events entirely unforeseen and not preventable?
I have a hard time with this to be honest. Take a home that is say 40-50 feet away from river (its the back boundary of their yard). That seems like the chances of a loss are almost certain.
Almost. My relative's house on Bow Crescent, backs on to the Bow, was spared.
