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2012-06-19 at 22:46

LETTER: Flood insurance payout only goes so far

By Shelley Cooke
Rebate, Rebate, RebateRebates for just about everyone. $500 Graduate Rebate; $500 Loyalty Rebate; $500 Rebate for Active Military Personnel.www.thunderbaymitsubishi.ca

To the editor:

For all of you who think that we are being greedy, here is some news. I too, had more than two feet of water in my home. This was where my kitchen and living area was located.

We lost almost everything that was downstairs. I risk infection everytime I walk in my home, as I have had a few infections already in the past year. I did get a bad rash from the sewage water creeping over the rubber boots that I was wearing for protection. I just finished my antibiotics.

My husband had to take two weeks off due to violent nausea and abdominal pain.

To make myself absolutely clear, I am so happy for all of our neighbours who will benefit from the generosity of all of the donations from both the general public and all of the businesses that raised a substancial amount of money. Thunder Bay is second to none when we come together as a community.

Here is my problem: because I do have insurance, this means that I have a $2,000 deductible. I had to ask my adjuster what I have to give up in order to pay for this. My fridge and stove? Once wecomplete our list of contents, we get a whopping 75 per cent of the value of our contents.

What about the 90 year-old curio cabinet that my husband treasured from his grandmother that was busted-up by the clean-up company?

The sad part here is that we pay a large amount of money for insurance all year long. Now, not only is our rates going to skyrocket, the value of our homes have all plummeted. I do realize that the city has done all that they could do to help us out in the aftermath of this desperate situation. However, we are all just human, and it does seem to me that somebody did make an egregious error where the plant is concerned.

Shelley Cooke,
Thunder Bay

 

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Comments

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wayne says:
Intact Insurance (don't know what insurance provider you have) provides 75% of the new replacement cost of items, and you don't have to buy replacements for everything that was lost. In fact you can even rescue some items that could be quickly cleaned and still be paid for the replacement value. Appliances such as washers, dryers, fridges, ovens, freezers, etc. are covered 100% of new replacement value including HST!

My in-laws had over 2' of water and sewage in their basement and the basement was fully finished and furnished and used for two bedrooms, rec room, laundry room, full bathroom, etc. They too had a $2,000 water deductible, but I helped them itemize and research online replacement values and meet with the insurance adjustor. Last week they received a $2,500 advance and just two days ago they received a hefty cheque for the contents.

Sorry to hear about the illnesses, but that is your fault for not abiding by the health unit warnings and common sense.
6/20/2012 1:55:57 AM
Sui Generis says:
The health unit warnings came AFTER many people were already in their basements attempting to save their belongings and fight the rising water.

Many weren't aware that it WAS sewage at first.

Was everyone involved expected to run from their homes the minute they noticed foot after foot of water rushing into their basements? That's what you would have done, just left everything to ruin?

Shame on you for blaming the victims!
6/20/2012 10:45:06 AM
wayne says:
If you see dirty water geysering out of a toilet, it aint safe. Oh, and if you are walking about in a foot or more of water (it took only minutes for the water and sewage to get that deep), where do you think the electrical sockets are located?

As I said, COMMON SENSE!
6/20/2012 4:35:41 PM
wayne says:
"I risk infection everytime I walk in my home, as I have had a few infections already in the past year. I did get a bad rash from the sewage water creeping over the rubber boots that I was wearing for protection. I just finished my antibiotics."

Then why walk into your home? Is your health taking a backseat to commonsense?
6/20/2012 6:59:39 PM
kosty1 says:
You knew what your deductable was when you purchased your insurance.You are lucky to have the benefit of having insurance as many families do not.Tell your husband to get his curio fixed by a professional restoration tech.and then hand your bill to the adjuster.
I myself live in the east end of Thunder Bay
and I do understand the the frustrations that our citizens are going through.Believe me this was not a major flood.
6/30/2012 8:07:57 AM
moonpie says:
Wayne is the type of person that would walk right on past a burning school and not dare venture inside to save a life because "common sense" tells him not to risk your health/safety to save others. Thankfully there are real men and women out there that will take risks to save themselves, their homes, their families, their pets, their possessions. Wayne's just not one of them.
6/30/2012 10:39:44 AM
wayne says:
moonpie, your ignorance outshines your stupidity. You have no clue as to what personal safety means, preventive measures to ensure one is not risking injury or death. To compare people walking around in 2 or more feet of water with live electrical circuits to a burning school is ridiculous. And for those who say they risk infection every time they walk into their homes is stupidity.

moonpie, get a grip!...lol
6/30/2012 7:58:57 PM
wayne says:
and moonpie, commonsense is not choosing to walk in raw sewage, or place your hand on a red-hot stove element, or sticking a knife in a toaster to remove a piece of toast, etc. Those people who choose to put themselves in harms way deserve what they get, a Darwin Award. Especially when the only ones they are 'saving' are themselves are those who don't exercise commonsense. Comparing that to a real rescue, is not the same thing.
6/30/2012 8:12:31 PM
wayne says:
"Help! HELP!...my 90 year-old curio cabinet is under 4' of raw sewage!"

moonpie: "Don't worry miss, I will save it by risking my life and health! even though it is just a material possession."

[commonsense epic fail]
6/30/2012 8:21:50 PM
wayne says:
"If you can't handle people voicing differing opinions, perhaps it would suit you better to avoid online forums altogether."

Sounds like good advice to follow, eh Sui Generis?
6/30/2012 8:57:28 PM
det john kimble says:
i have a car ,antique which was my dads, he loved that car.
I thought i insured properly, until it got hit while parked, there was alot of damage.
The insurance company wanted to write it off!!!
I insisted otherwise, the insurance company then stated they would allow me to buy it back, and pay me out a lump sum.
This car was not replaceable, the time my father had spent on it , the parts that took hundreds of hours to find at car rallys and automeets. The time that he and I had spent together as father and son.
The money i recieved will probably not pay for the countless hours needed to fix it back to what it was.
Extra insurance, higher premiums, I did not have this , i sould have looked at this closer and I paid the price.
Seems people who took this flood on the chin couldnt predict this happening , or had flooded previously and ignored the chance of a repeat.
Some people deserve help others however are a big part of the " Why me ? me! me! society"
man up.
7/2/2012 9:33:22 PM
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