I’m linking to the CAI site only for the purpose of backing up a previous blog.
If you are living in a Homeowners Association which experiences a weather or earthquake disaster, don’t count on getting federal help of any kind. An HOA member hit by a flood is not considered a homeowner, but an investor in a corporation. When 20,000 homes were damaged in the Boulder flood two years ago, many homeowners discovered they were flat out of luck. Those inside HOAs found that FEMA wouldn’t help them and they couldn’t get federal loans. They couldn’t buy federal flood insurance either because they didn’t live inside recognized flood zones. Who knew Boulder Creek could ever launch that big a flood?
Feel free to send my web link to everyone you know. This story should go viral.
It’s hard to make long stories short, but I’ll try.
When my wife and I were out of state a number of years ago, a squirrel got into the house and did thousands of dollars worth of damage, chewing up the sofa, all the drapes, the carpets. I called State Farm and asked if I was covered. They said “no.” If an elk or a bear had gotten in your house you’d be covered because those are wild animals.