Re: oh dear, i didn't insure my house....

On Fri, 06 Jul 2007 03:50:13 -0700, Maria <info@xxxxxxxxxxxxx> wrote:

On 6 Jul, 01:14, abelard <abela...@xxxxxxxxxxx> wrote:
On Thu, 05 Jul 2007 17:05:31 -0700, Maria <i...@xxxxxxxxxxxxx> wrote:
On 6 Jul, 00:45, abelard <abela...@xxxxxxxxxxx> wrote:
On Thu, 05 Jul 2007 16:34:12 -0700, Maria <i...@xxxxxxxxxxxxx> wrote:
On 6 Jul, 00:24, abelard <abela...@xxxxxxxxxxx> wrote:
On Thu, 05 Jul 2007 16:15:52 -0700, Maria <i...@xxxxxxxxxxxxx> wrote:
On 5 Jul, 20:11, abelard <abela...@xxxxxxxxxxx> wrote:
oh dear i purchased a house on a flood plain.....

oh dear mister clown....i want some of the taxes you're
taking from those idiots who paid for insurance and
who aren't idiotic enuf to buy a house on the flood plains....

please mister clown....
Er..half of Britain is on a flood plain! Funny...I'm fairly certain
that when I first bought a house back n the 1980's, most people only
had buildings insurance and then only cos they were forced to by their
lenders.

Anyone in particular you are referring to?

as is often the case, i don't understand your post....

guessing....
you buy a house on a flood plain....that is your decision....

I questioned it because
a) at least 10% of people in the UK live on flood plains, and they are
not necessarily new houses. I'd guess that the vast majority of
settlements are near a water course, even if all that is remaining is
a small brook.
b) some of the places I have seen badly flooded are not on a flood
plain - the water simply can't drain away fast enough to the flood
plain.

The geezer I saw on telly with a new house was saying that there was a
problem with inadequate drains on their new housing estate.

1)insure if you judge it necessary...
2)take into account such possibilities before purchasing a house

i see no reason to force people to insure themselves...
other than possibly third person risks...

but then government is turning the population into sheep....

where is oldnewold's government declared insurance policy?

I'm not even sure that everyone who buys a house would even know what
a flood plain is, let alone where they are.

agreed....
let the buyer beware....
educate, educate, educate :-)

I'm not saying that HMG should pay out everyone who has lost something
- I'm saying that given that Britain has lots of housing which has
become flood-prone due to climate change, we ought to be making
contingency plans - there are a lot of people who have lost the use of
their homes - what should we do with them?

nothing imv....
let them learn from mistakes....let them study....

if people were better educated the house prices would adjust
accordingly
I do agree with what you are saying, but OTOH, we have a situation
where anywhere can flood simply because of the volume of rain falling
in a short space of time. Remember Boscastle? 300 year old houses
swept away and not a flood plain in sight - just a steep sided valley
which could not contain the water flowing down to the sea. It's not
the water coming up that is the problem - the water going down is!

i expect you know that such flash floods are a world wide risk....
sometimes the kill large numbers...eg when a dam goes....or
a mud slide and other things....
you should know if you live under a dam or glacial lake etc...

you pays your money you takes your chances
you have options to insure....this isn't the third world

I don't think we can blame flood plains for all of this, but even if
we did, much of Hull, for example, is below sea level! It's not just
about new developments built by greedy buggers where they shouldn't be
- it's about much of the existing housing stock dating back 100+
years.

again, let the market adjust....
if hull is below sea level...so is much of holland....so was new
orleans....
people living in new orleans know that it's highly vulnerable....
the dutch organise...the broads/fens have experience....

i'm not quite sure whether you have a problem with any of this...
and if you do, what 'the' problem is


My 'problem' is with the fact that even if people are fully aware of
what a flood plain is , what global warming is, what heavy rain and
blocked drains mean, they can't actually do anything about it because
so much of Britain is affected by this. You are implying that they
have choices - what choices? They have to live somewhere

they can move....but that takes effort, self-education, work and
planning....

- yes they
can get house and contents insurance but you know as well as I do that
insurance companies will just apply exclusion clauses to policies as
this situation worstens.

of course....much of the insurance business is semi-criminal...
and that is met and aggravated by false claiming

This is one of those situations where the state has a big role to play
- exactly the kind of thing they should be there for, rather than the
petty tinkering they are engaging in most of the time.

i'm not going to swallow that without a fight!!

They must keep the drains and watercourses cleared and maintained -
that is their responsibility (unless you want to turn drain ownership
and emergency services over to individuals...)

this would alter if various levels of government were held fully
liable by courts when failing to maintain infrastructures for
which job they are more than handsomely rewarded out of taxation

- they must organise
emergency services to evacuate and temporarily house people. Surely
that is their role as things are - who else do you suppose is going to
do that?

they do their job properly in the first place....

I'm all for libertarianism these days, but there are some things which
are simply better organised by a public body.

i have little problem with consenting communal endeavours as long as
the endemic corruption and inefficiencies are forcefully removed..

regards....

--
web site at www.abelard.org - news comment service, logic, economics
energy, education, politics, etc 1,552,396 document calls in year past
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