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Originally Posted by graciegirl
What is "the big one"?
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Ah, the big one?! (Sorry for leaving that hanging out there...) It is any event caused by (fill in your own preferred natural or man-made disaster) resulting in a power outage that lasts long enough to cause one to exclaim "Gadzooks, I should have installed an emergency generator last year!!" That event could range from the usual weather suspects such as hurricane, tornado, to the more exotic hacker-triggered electrical grid failure.
Let's not forget we're all products of our upbringing and our own personal experiences. Although I try to be rational when making decisions, I'm not unlike anyone else - emotions (based on prior experiences) are ever present.
For example, we did not buy owner's title insurance when we bought our property here in TV, and I suspect that is contrary to the VAST majority of other owners. Thirty years ago I lived where the title became clouded for all real estate in the entire community...even that real estate that was "covered" by title insurance. Title insurance covers against some - but not all - challenges to clear title. It became virtually impossible for anyone to sell their homes for years due to no fault of the owners. Although there are other considerations that influenced my decision, that experience certainly colors my decision making.
In contrast, I will probably will buy electrical-outage insurance (an emergency generator) since I've lived through a couple hurricanes, one of which resulted in no power for three weeks, which made daily life not only inconvenient but very uncomfortable. (During this period the propane trucks continued their deliveries.) We all make our decisions with both logical and emotional influences; I believe we are more confident in our decisions when we are able to understand and identify those influences.