Quote:
Originally Posted by dillywho
I bought flood insurance for the first time this year. We are not in a high risk area, but with all the land clearing for homes, parking lots, etc. it seemed like a good idea. (We live in Summerhill, and there is a sign on 301 that says the road there is subject to be under water.) Better to have it and not need it than to need it and not have it. All of FL is technically subject to flooding (it is a peninsula, you know), but not necessarily prone. There is a mandatory 30-day waiting period before it is in effect which has nothing to do with anything else. That's just the rule. You can't wait until a hurricane is predicted then buy. I bought mine in April so it would be in place long before the "official" hurricane season. Thank goodness, at least so far, their earlier predictions have not been right on target. We did get water up to just below the sliding doors on the lanai in 2004 during the hurricanes. I put down some sandbags just in case then.
TV has planned very well for drainage into the retention ponds, but those could overflow under the right circumstances. This is one of the better arguments for not putting things that don't belong down the storm drains which will stop them up and defeat their purpose.
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Since we are in the process of building our home (closing Oct. 12) the 30 day waiting period would not apply if we were getting a mortgage, but since we are paying cash, we have to wait -- that is my only beef.
