Can a conservative explain to me why i should be paying for Texas' disaster relief when ...

[chucky2]

... conservatives from southern states (even Texas, lul) were against disaster relief for Northeast states during hurricane sandy?

Both Cruz and Conryn were against relief for the Northeast now they want handouts. This is bullshit. Fuck Texas, imo. I think the free market should sort this one out.

I agree. TX and the insurance companies who will largely cover a lot of this are rich enough to take care of their own. Fed disaster support is fine, Fed post-disaster funding short of Fed managed entities...(largely) No. Happy?

 

[imported_tajmahal]

Certainly not a lone opinion against the pork filled Bill. Not that it matters now since it was passed and then signed by President Obama.


"A whopping $13 billion will go to preventing future storm damage, including soil erosion and tree planting said to 'help reduce flood effects, protect water sources, decrease soil erosion and improve wildlife habitat.
Other slices of the pie will provide $4 million to Florida's Kennedy Space Center and $2 million to Washington D.C.'s Smithsonian Institution for museum roof repairs - damaged reported prior to the late-October storm.

Other beneficiaries include $207 million for the VA Manhattan Medical Center, $3.3 million for the Plum Island Animal Disease Center in New York, and $1.1 million for national cemeteries."

"http://www.dailymail.co.uk/news/art...uffed-pork-NASA-museums-Alaska-fisheries.html


"The Sandy relief bill on the cusp of final passage will provide billions for cleanup and more than $12 billion for transportation — including an unprecedented step toward making transportation networks around the northeast and NYC more resilient in the face of climate change, more frequent and unpredictable storms, and rising sea levels."

http://t4america.org/2013/01/18/san...pairing-and-improving-transportation-systems/

" Legislation to provide $60 billion to areas affected by Hurricane Sandy includes $100 million for the federal Head Start day care program. "

http://www.educationviews.org/hurricane-sandy-disaster-relief-bill-contains-new-head-start-spending/"


"“Congress shouldn’t keep passing massive ‘emergency’ relief bills that aren’t paid for, have little oversight, and are stuffed with pork,” Mr. Roth said. “Also, Congress shouldn’t use disasters like Hurricane Sandy as an excuse to spend billions on long-term projects that should be considered during the regular appropriations process.”

http://www.washingtontimes.com/news/2013/jan/14/watchdog-sees-pork-sandy-relief-bill/

 

[sactoking]

Insurance won't cover vast swaths of Henry (dare I say most of it?). Damage is largely flood which is a specific exclusion in all homeowner policies and most business policies. Large and some medium size businesses will be ok as they often buy commercial flood coverage but small businesses and homeowners will likely be shit out of luck in most cases.

 

[imported_tajmahal]

Harvey and you're right.

 

[chucky2]

Insurance won't cover vast swaths of Henry (dare I say most of it?). Damage is largely flood which is a specific exclusion in all homeowner policies and most business policies. Large and some medium size businesses will be ok as they often buy commercial flood coverage but small businesses and homeowners will likely be shit out of luck in most cases.

I know you know you're shit so I'm not going to challenge you, but, are you really sure about this? They're by the F'ing ocean (OK, Gulf) for chistsakes, which gets hurricanes, tropical storms, etc. HowTF can their policies not cover what for their area is a real risk? It'd be like living in KS and not having tornado's covered...

 

[sactoking]

Well you kinda hit the nail on the head, it's so likely that it had to be an exclusion and sold as a separate rider or it would make the base policy too expensive. California policies don't typically cover earthquake /earth movement for same reason. Flood takes that to the extreme nationwide, gotta buy through NFIP.

 

[ivwshane]

There's been a false narrative that Trump somehow managed to win blue dog Democrats. I need to find the article on five thirty-eight, but they published a study indicating the reality that Obama actually pulled right leaning independents who abandoned Hillary for Trump. Think on that for a second. Hillary might be a left leaning centrist, but she was also an uninspired and highly vulnerable candidate.

I also see a distinction between the populist appeal of the Sanders/Warren socialist democratic movement and the identity politics of the fringe left, who are not necessarily far left.

She lost for many reasons, one of which was that she was uninspiring. Another cause was that enough Bernie supporters didn't vote for her.

I don't see a distinction between Sanders/warren and the fringe left but that may be because we have different views on what exactly is the fringe left.

 

[Paratus]

I know you know you're shit so I'm not going to challenge you, but, are you really sure about this? They're by the F'ing ocean (OK, Gulf) for chistsakes, which gets hurricanes, tropical storms, etc. HowTF can their policies not cover what for their area is a real risk? It'd be like living in KS and not having tornado's covered...

Home owners doesn't cover flood insurance and in coastal counties in Texas most insurers won't cover windstorm, i.e. Hurricanes / wind driven rain. For that you have to get your policy from the Texas Windstorm Insurance Agency which is funded by the state. It runs me several thousand a year.

Flood of course is covered by federal flood insurance. It's only ~$400 but it only covers $250,000.

You see covering Windstorm and floods is expensive and not profitable for insurance companies so they don't want to cover it.

Building along the coast and in flood plains is very profitable but only if the mortgage companies will allow mortgages for them. Which they won't if they are likely to lose their investments to storms and floods.

So federal and state government steps in and provides the insurance.

 

[OutHouse]

Home owners doesn't cover flood insurance and in coastal counties in Texas most insurers won't cover windstorm, i.e. Hurricanes / wind driven rain. For that you have to get your policy from the Texas Windstorm Insurance Agency which is funded by the state. It runs me several thousand a year.

Flood of course is covered by federal flood insurance. It's only ~$400 but it only covers $250,000.

You see covering Windstorm and floods is expensive and not profitable for insurance companies so they don't want to cover it.

Building along the coast and in flood plains is very profitable but only if the mortgage companies will allow mortgages for them. Which they won't if they are likely to lose their investments to storms and floods.

So federal and state government steps in and provides the insurance.

This is correct.

 

[chucky2]

Well you kinda hit the nail on the head, it's so likely that it had to be an exclusion and sold as a separate rider or it would make the base policy too expensive. California policies don't typically cover earthquake /earth movement for same reason. Flood takes that to the extreme nationwide, gotta buy through NFIP.

Home owners doesn't cover flood insurance and in coastal counties in Texas most insurers won't cover windstorm, i.e. Hurricanes / wind driven rain. For that you have to get your policy from the Texas Windstorm Insurance Agency which is funded by the state. It runs me several thousand a year.

Flood of course is covered by federal flood insurance. It's only ~$400 but it only covers $250,000.

You see covering Windstorm and floods is expensive and not profitable for insurance companies so they don't want to cover it.

Building along the coast and in flood plains is very profitable but only if the mortgage companies will allow mortgages for them. Which they won't if they are likely to lose their investments to storms and floods.

So federal and state government steps in and provides the insurance.

I get that guys, I remember this being covered in the Sandy thread. What I'm saying is how is it possible a.) someone needing a loan doesn't have this as a requirement for getting the loan (why would any reputable loan company not ensure their investment is protected?) or b.) someone who lives in these areas who owns their property outright not ensure they are covered? Look I can see someone living on a mountain top not having flood insurance, but in freaking Houston?!

 

[Paratus]

This is correct.

What floors me though is how anal mortgage companies are about windstorm and how lackadaisical they are about flood.

Everytime something changes with my windstorm coverage my mortgage company assumes I've dropped coverage and threatens to buy me a policy and start charging.

With flood the mortgage company is like, oh you aren't in a 100 year flood plain according to these 50 year old assessments you really don't need it. Not to mention the insurance companies don't want to have to bother to file it for you.

The news said something like only 1 in 6 people affected by Harvey likely had flood insurance. WTF.

 

[chucky2]

snip

The news said something like only 1 in 6 people affected by Harvey likely had flood insurance. WTF.

That is f*cking insane...

 

[theeedude]

Let me guess, the small gubmint crew will want a government bailout for their uninsured losses?

 

[JSt0rm]

Let me guess, the small gubmint crew will want a government bailout for their uninsured losses?

somebody has to pay.

 

[bbhaag]

Can a conservative explain to me why i should be paying for Texas' disaster relief when ... conservatives from southern states (even Texas, lul) were against disaster relief for Northeast states during hurricane sandy?

Because when someone is cruel or acts like a bully you don't stoop to their level. When they go low, you go high.

 

[JSt0rm]

 

[agent00f]

She got slimed with an obscene double standard.

The democrats are where they are because people like you will always get played by people like this:

The answer is simple. To stop the insanity of the Republican core, you need to attract moderates and conservative leaning independents. You can't do that by constantly accomodating and pampering the left fringe and running vulnerable establishment candidates.

It's the economy, stupid.

 

[agent00f]

I am not sure how we change things, seriously. We need to talk about these things but dangling help above the people while taunting them about their political affiliations? I'm thinking that might win us more haters.

Calling out people like Cruz? Totally fine, withholding emergency help to those people carrying dogs & cats to safety in waist deep water? I'm not so fine with that.

Educating people about the facts in upcoming elections would be totally fine! Showing the differences in how each politician voted? also fine. Showing the amount of help that came from Blue states acting on their own, also fine. Heck even Mexico, has been helping & even offered the USA money!

There's only so much money to go around. Ie. you don't have insurance because dumbshit democrats prefer to spend it courting people who will never spend anything on you. Such is life.

 

[s0me0nesmind1]

Insurance won't cover vast swaths of Henry (dare I say most of it?). Damage is largely flood which is a specific exclusion in all homeowner policies and most business policies. Large and some medium size businesses will be ok as they often buy commercial flood coverage but small businesses and homeowners will likely be shit out of luck in most cases.

As someone that lives in Houston I will tell you this... you would have to be completely butt-fucking retarded to not have flood insurance... period. I carried it the moment I owned a home and will until the end of time here (and likely anywhere where it's possible).

It totally fucking boggles my mind that banks (mortgage companies) allow people to borrow for homes with the requirement that they have homeowners insurance, but they don't have a requirement for flood insurance.

 

[agent00f]

As someone that lives in Houston I will tell you this... you would have to be completely butt-fucking retarded to not have flood insurance... period. I carried it the moment I owned a home and will until the end of time here (and likely anywhere where it's possible).

It totally fucking boggles my mind that banks (mortgage companies) allow people to borrow for homes with the requirement that they have homeowners insurance, but they don't have a requirement for flood insurance.

Why waste money on flood insurance when democrats are tripping over themselves to hand you blank checks?

 

[Puffnstuff]

You forgot the POI update with human snacks on it.

 

[s0me0nesmind1]

Home owners doesn't cover flood insurance and in coastal counties in Texas most insurers won't cover windstorm, i.e. Hurricanes / wind driven rain. For that you have to get your policy from the Texas Windstorm Insurance Agency which is funded by the state. It runs me several thousand a year.

Flood of course is covered by federal flood insurance. It's only ~$400 but it only covers $250,000.

You see covering Windstorm and floods is expensive and not profitable for insurance companies so they don't want to cover it.

Building along the coast and in flood plains is very profitable but only if the mortgage companies will allow mortgages for them. Which they won't if they are likely to lose their investments to storms and floods.

So federal and state government steps in and provides the insurance.

Insurance just isn't sexy. And people just don't want to pay for something under the guise that they believe they will never use it.

Sounds like we need to put requirements in place like we do for driving that are stringent. e.g. If you live within x miles of a coast, you have to have flood insurance. Something to that tune.

 

[s0me0nesmind1]

Why waste money on flood insurance when democrats are tripping over themselves to hand you blank checks?

Not going to disagree here - It's not hard to figure out that when any entire city gets loud and angry regardless if it's their own stupidity someone always ends up bailing them out for votes.

 

[Puffnstuff]

Insurance just isn't sexy. And people just don't want to pay for something under the guise that they believe they will never use it.

Sounds like we need to put requirements in place like we do for driving that are stringent. e.g. If you live within x miles of a coast, you have to have flood insurance. Something to that tune.

Flood insurance is always a separate policy from the homeowners administered by the federal government. People who didn't buy into it will regret it and the saddest part is that its very reasonable. Those people will all be taking out SBA loans to cover their water related losses.

I never had it myself, however, I always looked at the topology of the area where I made my purchase to ensure that I was on the highest land available with enough contrast to ensure that I wouldn't flood even in the heaviest rainfall. In that area its impossible to avoid flooding.

 

[[DHT]Osiris]

Certainly not a lone opinion against the pork filled Bill. Not that it matters now since it was passed and then signed by President Obama.


"A whopping $13 billion will go to preventing future storm damage, including soil erosion and tree planting said to 'help reduce flood effects, protect water sources, decrease soil erosion and improve wildlife habitat.
Other slices of the pie will provide $4 million to Florida's Kennedy Space Center and $2 million to Washington D.C.'s Smithsonian Institution for museum roof repairs - damaged reported prior to the late-October storm.

Other beneficiaries include $207 million for the VA Manhattan Medical Center, $3.3 million for the Plum Island Animal Disease Center in New York, and $1.1 million for national cemeteries."

"http://www.dailymail.co.uk/news/art...uffed-pork-NASA-museums-Alaska-fisheries.html


"The Sandy relief bill on the cusp of final passage will provide billions for cleanup and more than $12 billion for transportation — including an unprecedented step toward making transportation networks around the northeast and NYC more resilient in the face of climate change, more frequent and unpredictable storms, and rising sea levels."

http://t4america.org/2013/01/18/san...pairing-and-improving-transportation-systems/

" Legislation to provide $60 billion to areas affected by Hurricane Sandy includes $100 million for the federal Head Start day care program. "

http://www.educationviews.org/hurricane-sandy-disaster-relief-bill-contains-new-head-start-spending/"


"“Congress shouldn’t keep passing massive ‘emergency’ relief bills that aren’t paid for, have little oversight, and are stuffed with pork,” Mr. Roth said. “Also, Congress shouldn’t use disasters like Hurricane Sandy as an excuse to spend billions on long-term projects that should be considered during the regular appropriations process.”

http://www.washingtontimes.com/news/2013/jan/14/watchdog-sees-pork-sandy-relief-bill/

Still here astroturfing? Formed your own opinions yet about which parts of the 2013 Disaster Relief Appropriations you actually have issues with, in your own words?