#they also said that if you don't have the money you should get on medicaid/social security

[petpetpinixy]

saw someone saying that trans people who haven't/won't medically transition are a danger to the community. never heard that one before

[whimsically-ominously-auspice]

Alright so a lady said she called the insurance company and they said they wont cover a thing.

This is true. Many insurance companies do not covet flood damage. This is because insurance companies are greedy.

American Modern, my insurance company and one I use personally does.

Now if you dont want to change your entire insurance that is understandable. However everyone should have flood insurance which is sold seperate.

Googling flood insurance is more help than this website when PURCHASING but it explains flood insurance like the 30 day waiting period that covers

So people in Michigan like this lady are sold out of luck.

Flood insurance is usually $100 or less per year.

We have designed a flood insurance policy that will cost $1000 for 2020 IF you have been flooded already such as Houston and such as this lady. Then it will go down to $29 per year. Tree will post the link and more information after i post. First i will ramble on.

In New Mexico it is the law if we are in a flood zone we must have flood insurance if we have a mortgage. Some banks require it in other states. I live within a miles of the Rio Grande River and thus I am required flood insurance and every year when my insurance updated, i would get a letter from Wells Fargo who is dumb and they would say that i needed flood insurance. Because they didn't read the premium notification that it is included in American Modern. The first year i called myself. The second i called the local insurance office I got the insurance from, went in and explained the problem. She said she would cuss them out. Next year same again. So i called and she said "again?!" She gets really mad. And whatever she said worked because they never sent me another letter.

So I know about having it...

Now y'all check your insurance and see if you have flood covered I'll pay every one $5 regarding insurance today.

Renters should have insurance also and Tree has a website for y'all for $5 - 79 per year.

Yes per year. I pay $1000 about and nothing happens! So why charge so much?!!? Lets not be so greedy!! I only cover $92,000 on my house. Not millions. It's a trailer in town on a small plot of land. I paid $82k and now it's worth as a regular home because Facebook moved to town $160k but because it's mine and celebrity ststus it's worth, $800k substantially. So i don't cover all that but i do have other insurance policies up to $1M that i don't pay the policy for they in the CIA database and because i own the insurance company that i use, i get $1M of free coverage per home I cover with that company. Which then harms our pocket book when things happen and I have to use the policy and make a claim.

So now, the point is. Y'all need insurance for now in case something should occur. For emergency areas or disaster areas where people were uncovered we will be proactive and use our hundreds of Billions of dollars collected on insurance premiums to help Y'all out for this year. The website will list who will be covered retroactively. Meaning you didn't have,insurance but pay a high premium and we will,pay whatever it is to restore your home or buy you a new one.

Premium will be $1000 to $5000 for what is labeled as flood insurance. So a little house like mine to a big mansion.

It is high but if my house was damaged it would cost 20k to repair or at least $5k So i would save $4k and we will include damage already done like plumbing and electrical. So if you had damage to those prior to flooding we will repair. Floors will probably be covered on flood damage I do assume. Furniture replacements of low average cost so about $1500 for a couch, loveseat and chair. $200 for TV. And so on.

If you have proof you had a monster of a TV then you can post pictures and get 100% replacement value. Otherwise you'll get the $200 which can buy a 47" LED non smart on sale.

Reciepts of furniture and so on will give you full replacement cost. Otherwise its average low cost... Good quality still. Talking like a discount furniture store. Or online furniture purchase.

So talking receipts because "but Sabrina! Its a flood and you're telling me to save paper and the ink fades!"

No, baby, take a photo of your receipt and upload it to the cloud in s special labeled folder titled "receipts" then you'll always have them.

So say you pay $5000 for a TV 10 years ago. So,that T.V. today will may be cost about $1500 so you get the replacement cost. Not the $5000 you paid but what it cost to replace it. So you'll get the same exact thing at the store. But say it was plasma. And they don't sell that any more. So its the same size and smart capable and LED which is better than what you had but cheaper. So don't freak out. You'll get enough money to buy again what you bought.

Insurance can be kind of confusing but it's today's prices for yesteryear's items

They keep up to date on prices. There's teams dedicated to knowing,exactly what items,cost. They would,win killings on the Price is Right. In fact they're banned from participating.

So get y'all $5 to LOOK at your current premiums and how much they are and what it covers.

If you have insurance and you need flood $5 to get that ASAP.

$5 for renters to check out insurance and $5 to buy.

Same for homeowners without insurance.

American Home and Geico will now offer 15% less automatically to what they usually charge. So it's on an auto 15% less for the next year no coupon or announcements. So until May 20, 2021 the charge will be 15% less than They would usually charge. For your safety and convenience.

American Home doesn't do commercials so its already cheaper. Lower overhead cost. Just by $10 - 200 per year.

Also for the retroactive flood. We will do payment arrangements. So like me i don't have $1000. So you pay $50 until you get to $1000 (Or $5k whatever it is) but we won't work on your house or give you money until your premium is full. Except when on EBT AND Medicaid. Show proof of income. We will check with social security to see if you've lied and if not we can omit your premium and deductible from your pay out. So say its a $2000 premium with $500 deductible and you're out of work. Social security can tell us that and then we can give you the $1,500,000 MINUS 2500.

People marked on SMS:BrightGady and their homes will be rejected for insurance coverage on retroactive. Find the ass hole idiot that damaged your home on purpose and collect from them.

We are only covering INNOCENT HUMANS. So if you got DNA4U to prove that you are, you KNOW you can get the retroactive coverage. If you don't have DNA4U then you can try and see.

There is no hotline available to call and whine you're an alien or terrorist that can't get coverage

After a person is approved, obviously of course, phone numbers will be available.

As for the flood -- PREVIOUS damage about a year ago was done to the dams. But this overage and failure was due to simply too much rain water.

So I apologize on the behalf of myself and tree. And we will do this insurance for y'all although it is not our fault, we just apologize that there's inconsiderate ass holes that have not died of COVID yet. And this occurred.

Hopefully family heirlooms or special items to the heart which are not replaceable are magically protected by love. And you'll be able to find them to be in a good condition, surviving the floods.

Im sorry for the pain of the floods..

Chicago and Houston and some other places globally. And also Australia and the Amazon Rain Forest Fire Victims can apply for retroactive insurance.