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Autor:  Tom
E-mail:  não-disponível
Data:  04/ABR/2005 10:34 AM
Assunto:  Re: quanto tanto para a Ana M
 
Mensagem:  What they are saying is this: The fact that a forty foot wave, caused by wind and sea motion, came across the barrier islands and then hit your house means the damage was not from the wind. It was the force of water that damaged your property. So, we don't have to pay. Or, the wind blew off your roof before the river came above it's banks and flooded your garage and the downstairs of your house. We will pay to have the roof replaced. That's fifteen thousand dollars. The damage to the rest of the house (foundation, walls, electrical system, furniture, appliances, the car in the garage) was caused by water and we don't cover that kind of damage. If people don't have both hurricane insurance (wind mitigation) and flood insurance (available only through the federal government) then they will have a hard time getting enough insurance money to rebuild. Even with both kinds of insurance people are having problems with the adjustors (what percentage of the damage was from wind and what was from water). Neither insurance company wants to pay for repairs that the other might be forced to cover. There are many older people who are just selling their property. They don't even try to repair anything. They have lost all of their memories, fotos, comfort, etc. They just want some money to go rent a place until they die. It's a shame really. The other group of people having problems is the one made up of people who live up north and have a summer home down here. The Federal Emergency Management Agency (FEMA) doesn't want to help them repair or replace stuff on what's considered a second home. Those people are seen as having a primary residence (the house up north or in a city here in the south....with the damaged home being the vacation location) and they don't need help like people who lost their primary residence. Some of the insurance companies have already gone out of business. They didn't have what's called a reinusurer (a back up company that insures them to make sure they have enough capital to pay claims when there is a natural disaster). How would you like to have paid insurance for fifteen years and then when you finally put in a claim you find out that the company filed for bankruptcy and is going out of business!! Pretty sad. Like I said, go to www.pensacolanewsjournal.com and look at the photos of the storm damage. Right now they are doing a series on what it's like six months after the storm. They are visiting different areas of the city and county to take pictures and interview people.


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 English Made in Brazil -- English, Portuguese, & contrastive linguistics
quanto tanto para a Ana M  –  Tom  02/ABR/2005, 4:21 PM
Re: quanto tanto para a Ana M  –  Ana M  02/ABR/2005, 4:52 PM
Re: quanto tanto para a Ana M  –  Tom  02/ABR/2005, 5:14 PM
Re: quanto tanto para a Ana M  –  Ana M  02/ABR/2005, 11:28 PM
Re: quanto tanto para a Ana M  –  Tom  03/ABR/2005, 1:11 AM
Re: quanto tanto para a Ana M  –  Ana M  03/ABR/2005, 2:23 PM
Re: quanto tanto para a Ana M  –  Tom  03/ABR/2005, 2:42 PM
Re: quanto tanto para a Ana M  –  Ana M  03/ABR/2005, 11:05 PM
Re: quanto tanto para a Ana M  –  Alexandre  04/ABR/2005, 7:33 AM
 Re: quanto tanto para a Ana M  –  Tom  04/ABR/2005, 10:34 AM
Re: quanto tanto para a Ana M  –  Ana M  04/ABR/2005, 4:24 PM
Até as ...and à  –  Tom  04/ABR/2005, 10:47 AM
Re: Até as ...and à  –  Ana M  04/ABR/2005, 12:03 PM
the insurance companies  –  Tom  04/ABR/2005, 12:33 PM
Re: the insurance companies  –  Ana M  04/ABR/2005, 4:09 PM

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