News

23151 readers

3053 users here now

Welcome to the News community!

Rules:

1. Be civil

Attack the argument, not the person. No racism/sexism/bigotry. Good faith argumentation only. This includes accusing another user of being a bot or paid actor. Trolling is uncivil and is grounds for removal and/or a community ban.

2. All posts should contain a source (url) that is as reliable and unbiased as possible and must only contain one link.

Obvious right or left wing sources will be removed at the mods discretion. We have an actively updated blocklist, which you can see here: https://lemmy.world/post/2246130 if you feel like any website is missing, contact the mods. Supporting links can be added in comments or posted seperately but not to the post body.

3. No bots, spam or self-promotion.

Only approved bots, which follow the guidelines for bots set by the instance, are allowed.

4. Post titles should be the same as the article used as source.

Posts which titles don’t match the source won’t be removed, but the autoMod will notify you, and if your title misrepresents the original article, the post will be deleted. If the site changed their headline, the bot might still contact you, just ignore it, we won’t delete your post.

5. Only recent news is allowed.

Posts must be news from the most recent 30 days.

6. All posts must be news articles.

No opinion pieces, Listicles, editorials or celebrity gossip is allowed. All posts will be judged on a case-by-case basis.

7. No duplicate posts.

If a source you used was already posted by someone else, the autoMod will leave a message. Please remove your post if the autoMod is correct. If the post that matches your post is very old, we refer you to rule 5.

8. Misinformation is prohibited.

Misinformation / propaganda is strictly prohibited. Any comment or post containing or linking to misinformation will be removed. If you feel that your post has been removed in error, credible sources must be provided.

9. No link shorteners.

The auto mod will contact you if a link shortener is detected, please delete your post if they are right.

10. Don't copy entire article in your post body

For copyright reasons, you are not allowed to copy an entire article into your post body. This is an instance wide rule, that is strictly enforced in this community.

founded 1 year ago

MODERATORS

rjc@lemmy.world

Thekingoflorda@lemmy.world

gedaliyah@lemmy.world

Blackbeard@lemmy.world

little_cow@lemmy.world

jeffw@lemmy.world

396

Insurance is failing hurricane survivors: ‘People thought they were covered’ (www.theguardian.com)

submitted 4 days ago by MicroWave@lemmy.world to c/news@lemmy.world

77 comments fedilink hide all child comments

Flooding is separate from typical US home insurance and many homeowners are not adequately covered

As millions of US residents begin working to file insurance claims on their homes in the aftermath of Hurricanes Helene and Milton, many could be denied, particularly if their homes were damaged by flooding.

A quirk in the US home insurance market is that flood insurance is separate from typical home insurance, which usually covers wind damage from hurricanes but not flooding. Homeowners must purchase flood insurance separately if they want their homes protected against flooding.

And many don't. In some areas where Hurricane Helene hit the hardest, less than 1% of homes had flood insurance when the storm hit. In Buncombe county in North Carolina, home to Asheville, only 0.9% of homes had flood insurance, according to data from the Insurance Information Institute.

The number of people with flood insurance in Florida, which was hit by Hurricane Milton two weeks after parts of the state were battered by Helene, is higher than in other parts of the country. But still, the take-up is low. In Sarasota county, which took a direct hit from Milton, just 23% of residents have flood insurance.

you are viewing a single comment's thread
view the rest of the comments

[–] No_Eponym@lemmy.ca 7 points 4 days ago* (last edited 4 days ago) (1 children)

Whoa whoa whoa, building codes? That's just costly red tape! How will builders see ever increasing profit margins with all this government bureaucracy?! Remove the building codes entirely, let the Free Market^TM^ do an invisible handshake with Jesus, and the rest will take care of itself /s

[–] RBWells@lemmy.world 3 points 3 days ago (1 children)

New houses are required to be built to code for hurricane force wind here, the "post-Andrew" building code is good. Most of us don't have new houses though, my house is from the 1940s, and the one I moved from is 100 years old this year.

We do have building code, what we don't have is anyone willing to say no to developers. Sprawl, less land to absorb water. I see houses being built on seasonal wetlands, they fill them and raise 'em then the rest of the neighborhood floods in the rainy season. Nobody should be able to do that.

[–] No_Eponym@lemmy.ca 5 points 3 days ago* (last edited 3 days ago)

Nobody should be able to do that.

Restricting freedoms too?! You must be one uhv them commi an-tee-fah immigrants takin' up all our jobs and unemployment benefits! Stay away from our cats! ... unless they belong to childless women, then it's fair game! /S