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emess48 | Should flood victims who had NO contents insurance expect financial help? |
If they do,what message is that sending to people who have paid premiums for years & those thinking of getting contents insurance? |
 |
 
mamatohaley+1
|
If you can't afford insurance that means you are living beyond your means!! I am sorry but that is not my fault. I choose a smaller home because that is what I can afford to live in and insure. People that choose to live beyond their means and then cry when they have no coverage for choosing not to pay their basic bills get no pity from me. I am willing to bet they had cable, cell phones, Internet, computers, digital cameras and other luxuries. The price of contents insurance is minimal. 1 digital camera would pay that bill for 6 months or more. |
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snetterton
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No I don't think they should. Everyone makes choices about what they spend their money on. Some prefer to buy the latest plasma TV rather than insure their house and its contents. So tough luck when the rains come and you lose the lot. What good is a 60" plasma TV screen then?? |
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ROB D
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You may find that some of these unfortunate people have been refused flood insurance due to the building of homes on flood plains, as such it is the town planner / council / government at fault therefore yes they deserve recompense, if only to discourage this bad practise of building in places the insurance industry are aware is extremely liable to flooding why are the planners unaware or not bothered? |
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pollywallydoodle
 |
I agree with both sides the human side of me says it is ok the personal side of me says if they didnt bother to insure, then their fault. If your house floods due to a burst pipe and you dont have insurance you pay, why, because it is a lot of people does it matter, when if this happened to just one individual they would say tough luck and noone would care that is what bothers me . |
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mbrcatz
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I think it's fair to expect help from your church family, and immediate family. Just like you contribute to help out others in your church family and immediate family, when the need arises.
I DON'T think it's fair to ask the government, aka taxpayers, to reimburse ANYONE after a loss. Just think about it . . . fires, thefts, muggings, where would it ever end? The government is NOT an endless source of revenue - they tax the PEOPLE to get their money. |
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Stephen A
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Everyone has the choice to obtain house insurance , if they decide not to , and something happens like flooding then , why should they expect help.
Sorry to be so blunt , but you get what you pay for. |
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welcome news
|
I would hope that the Government may make available low-cost loans so that they can buy necessities of life - but with the obligation of paying the loans back i.e. NOT grants.
Regrettably the sort of person (with some exceptions) who does not bother with insurance is also the sort of person who will look to sponge payments from all and sundry.
Naturally these comments do not apply to people who through force of circumstances are genuinely on the breadline. e.g. pensioners, carers etc For them I would regard help from the Authorities as being desirable. |
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retox
|
My heart goes out to the flood victims but honestly, not having insurance - I just can't understand that. You work hard, spend your money on nice things and then don't protect them! For some of course it is a question of money - evern ÂŁ30 per month is a struggle but for many, it's just cutting corners and thinking that it won't happen to them. Don't forget there are some people who cannot get insurance because they are in a flood prone area - the government has to take much responsibility for this - they continue to allow new homes to be built on flood planes and continue to ignore exisiting flood problems. So yes, in certain cases the government should help these people - they are quick to pledge money overseas so let's give our own some help. |
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swenjj
 |
rob, the insurance company didnt build the house on a flood plain, why force them to pay? punish the insurance company for something someone else didnt do correctly?
if you dont have the insurance you dont get your stuff insured,its as simple as that
say my neighbor and i are the same age, same income, he goes and spends all his money on crap, i buy insurance for my cars , me and the house, we both die in a house fire,
i should be covered and he shouldnt , how can you say any different,it is their choice
baha_smokey, i forgot the money just appears out of the air, of course it comes out of my pocket-higher taxes and higher insurance premiums to pay for this |
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Ellie
|
We have ÂŁ40.000 of cover for ÂŁ85 a year for a three bed semi. Insurance cost for contents has not risen since 1994 apparently. If the government hands out money to all those who are affected all it does is send a message that you don't need to bother with insurance because the government will bail you out- then none of us would need to bother either would we. Often these same people who are so poor and cannot afford 80p a week for insurance will be found in the kiosk queue at any supermarket checkout each week, buying lottery tickets, cigarettes in 100's and booze- believe me- i have worked in a kiosk and the money spent by the poorest people on their luxuries is wicked! So no, i think everyone should take responsibility for their own homes and lives and stop expecting to be bailed out because they can't be bothered. |
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Steven
 |
No. It looks like many of these people were on benefits but could still afford expensive electrical equipment. Would an individual be complaining to the government if his uninsured house caught fire and destroyed all his uninsured contents? I don't think so. Just because many people were caught at once by a single problem doesn't mean that a louder voice should have any more claim to government sponsored remuneration.
As stated in the question, it makes a mockery of buying insurance. |
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Without-style
 |
In theory, no they shouldn’t, but we’re talking about humans that have been effected by a natural disaster, they should get help, regardless of my opinion.
However some people in flood hit regions can be refused insurance, which I would question why they ever bought the house in the first place, as it would be something you’d look at, and at that moment, the value of their house is worthless, no one would want to buy a house that susceptible to floods. There needs to be investigations into developers, who have taken on these lands and built, the local council held responsible for allowing it to happen. In some places the developers have just raised the land and forced the water to channel else where which is not acceptable.
It falls into a “Risk” that you either take or not, you pay the price.
I don’t think, personally, myself who has paid for insurance, house and contents, should have to pay for someone who didn’t, for whatever reason, in the process there was a choice, a choice to buy the house, a choice to have insurance, a choice to live without insurance. I never made that choice, so it shouldn’t be me who has to subsidise the eventual outcome. |
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The Landlord
 |
as a general rule, then no, they shouldn't. However, there are many different individual circumstances, such as families with children who are in dire need, and I have every sympathy.
If the government just dished out the cash, then the people who paid their monthly premiums end up paying twice!
Having said that, I think the govt is establishing a limited fund to be administered by local authorities that will help people, and I think that is right.
For people who can't get insurance, the government needs to underwrite some sort of scheme that people can pay into and will cover their losses to some extent in the event of flooding again. |
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bullet b
 |
just say i had a flood, and i dont have insurance, would you give me 50k to repair my house? for those who live in flood prone places, they should voice their opinion to have a plan like paying a annual fee to protect their house up to so and so. The money would be invested into bonds or projects that has least risk and highest return. |
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annsummerswench
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difficult but i would be annoyed after paying all these years then they get the same help as me!, i think i would be cancelling all and taking my chances it would have worked for them why not me? |
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Indie Princess
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No they shouldn't expect financial help, I pay my insurance premiums, so why should the taxes that I pay then go towards paying to help those who don't pay for insurance?
There should be some sort of charity set up so that those do gooders that think they should get aid, can pay their hard earned cash to.
I am not totally heartless by the way, I give money to charities directly from my salary and they are causes that I feel are worthwhile. |
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steve
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yes they should get help . who knew such a flood would come we changed the river routes and these were not old flood plains |
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baha_smokey
|
ASK YOURSELF THAT SAME QUESTION.IF IT WERE YOU IN THAT SITUATION,WHAT WOULD YOU WANT?IF IT IS DECLARED A STATE OF EMERGENCY,THE GOVERNMENT AND LOCAL AGENTCIES WOULD HELP.
NOT ALL PEOPLE CAN AFFORD INSURANCE AS YOU KNOW.
IT'S NOT SENDING ANY KIND OF MESSAGE,WHEN THE MONEY ISN'T COMING OUT OF YOUR POCKET.THESE PEOPLE ALSO PAY TAXES LIKE YOU AND ME.
BUT WHEN YOU MAKE A BIG CLAIM YOUR PREMIUMS DO GO UP. |
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Big Bad Boris Mayor of London
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SO all those poor people in other countries who we give aid too should have contents insurance too? Beleive it or not some people actually CANNOT afford Insurance! |
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Nettles
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Mum and Dad pay for insurance on their property but the insurance company have gone and said they are not covered for that kind of flood even though 3 days before the flood turned up they said they were covered. Dad is the only employed person in the house as Mum is off work because of a medical condition. Dad and Mum have also been told by the government that they do not qualify for the Government support because Dad makes $80 over the means test. Now Mum and Dad have to find $100,000 to rebuild the house because the insurance company have said they have to knock all the walls out of the house and rip everything up. I laughed because after Dad and Mum's house went under water the Insurance company took out their premium. |
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yoyo
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Of course the hould get insurance.It is a natural disaster no one ever really saw it coming. No one knew how severe it would be |
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