OK Tornado

[chestercheeto48]

I meant exactly what I said. Tornados are not predictable, do not happen with enough frequency, or with enough certainty to be able to require insurance from a group of people who live in a geographic area. Tornados can happen in every state in the union should we require every homeowner to have insurance to cover it? Wisconsin is 300+ days without one. Moore has had 3 in the last two decades in which the path never traveled the same route.

On the other hand Earthquake and Flood prone areas do require special insurance because they are in a defined risky area flood plain/fault line.

 

[GSRCRXsi]

are you seriously trying to say that the entire area commonly known as "Tornado Alley" is not more prone to tornados than the rest of the country?

 

[chestercheeto48]

No I am saying that while that area (all the way up to my state) know as "Tornado Alley" has more tornados than any other area in the US it doesn't make it predictable. What I am saying is that any one city, town, block, house, etc in that area does not see enough activity to garner a special insurance for homeowners. This is in fact due to the lack of predictability, frequency and certainty of forcastability associated with tornados. No one on this planet can predict them with certainity. With a Hurricane you can predict the path. With a flood you know the flood plain. With a wild/forest fire you can say that this area will burn. With an earthquake you know where the fault line is. All of these have special insurance policies most likely attached to them.

With tornados you know only that there is a geographic area where certain atmoshperical conditions can (and occasionally do) combine to make the possibility of a tornado likely. Even if those conditions are perfect that does not guarentee a tornado. All I did was give a possible reasoning why an insurance company does require special insurance.

 

[E_SolSi]

holy shit lol

someone had to

 

[Jeef]

I think somewhere in New York had one today, had the warnings a county over from me.

 

[chadcharb]

http://mynorthwest.com/76/2279005/Video-Woman-finds-her-dog-in-rubble-during-CBS-interview

 

[Jeef]

Wow, I bet there a ton of displaced pets after the tornadoes. It would be bad not only to lose my house and everything in it but losing my dog would be the worst.

 

[chadcharb]

Wow, I bet there a ton of displaced pets after the tornadoes. It would be bad not only to lose my house and everything in it but losing my dog would be the worst.

I know. You're pets can keep you sane in a situation like thisand to lose them to could make things far worse. I heard on the radio this morning that there were only 29 people that used red cross shelters the night after the tornado. With 2400 homes destroyed that means there are allot of friends family and community stepping up and helping out. Its incredible

 

[Briansol]

red states take care of themselves.

 

[GSRCRXsi]

you know, i initially posted that truck pic, thinking it was a huge boulder, but closer inspection shows its just a dirty sheet of metal.

 

[jamesA]

i figured tornado ins would be an add-on to the standard homeowners.

It's usually standard and listed under "natural disasters", except for flooding.

 

[GSRCRXsi]

yeah i did some research and seems it is mostly covered.

 

[Briansol]

That's homes. what about power lines? roads?
who insures those? does a city rider cover those? the power company?

 

[chadcharb]

That's homes. what about power lines? roads?
who insures those? does a city rider cover those? the power company?

We will all be paying for that shit

 

[E_SolSi]

confused::unsure::wacko:

how in the hell.........

 

[chestercheeto48]

That's homes. what about power lines? roads?
who insures those? does a city rider cover those? the power company?

I have always wondered why cities don't put their utilities underground when they can. I understand that some of them are old but I would hope that as the old gets replaced they put the new stuff underground instead of on poles. As for roads most of the damage is usually to the pavement/black top and is really pretty easily fixed. In most cases they aren't even damaged.

 

[Jeef]

Underground utilities are expensive to install and harder to locate problems. With that being said give me underground.

 

[chestercheeto48]

I would say maybe in a large dense metro like Boston or NYC but at some point there has to be cost benefit to putting that stuff underground especially with new development. I love the fact that my neighborhood has underground. We NEVER lose power when storms blow through.

 

[GSRCRXsi]

yeah, its really a trade off and im sure it takes a lot of analysis to decide whats truly cheaper (and thats what it comes down to)

above ground is cheaper to install and maintain, but repairs are more frequent
below ground is expensive to install and maintain, but repairs are less frequent

 

[Briansol]

my neighborhood is underground.
most newer areas are around here.