View Poll Results: Should Taxpayers pay to rebuild homes damages by Hurricane Sandy

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  • Yes, if the damage not covered by insurance

    13 15.29%
  • No, this is not a government responsibility.

    62 72.94%
  • Other/IDK

    10 11.76%
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Thread: Should Taxpayers pay to rebuild homes after Hurricane Sandy?

  1. #21
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    Re: Should Taxpayers pay to rebuild homes after Hurricane Sandy?

    Get insurance, it's not that expensive compared to your mortgage. Why do you think lenders requrie it, because they don't want to lose their investment. Hint hint. If you can't afford it, you can't afford to own a home, rent. And then get renters insurance, it's even cheaper. If you can't afford that, you're sharing a home/apartment and splitting it, and can still afford it. If you can't afford that, as long as you have your health, you didn't lose that much most likely and will need assistance no matter what...but surely not assistance for buying you a home...

    I love the "we are in this together" posters. No, you don't pay most of the tax burden, you are not really getting the "together" part.

  2. #22
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    Re: Should Taxpayers pay to rebuild homes after Hurricane Sandy?

    Quote Originally Posted by tessaesque View Post
    It isn't disdain, it's practicality.

    If you build your house in an area that is at risk of specific natural or man-made disasters, you insure your house against them. If you don't, it's a sad situation, but it isn't the responsibility of the rest of the country to rebuild for you in the exact same area with the exact same risks. There are ways we can help people who experience hardship that don't encourage them to repeat the same bad behavior. Rebuilding their house on the tax payers dime isn't one of them.
    And how much of the country would that stance disallow people to live in? The entirety of California is out from the earthquakes. A lot of the northeast suffers substantial damage from blizzards. Tornado alley would be emptied. A large amount of the southeast coast is out from hurricanes and flooding. NYC and Long Island are out... most of the east coast, really. A lot of the midwest is subject to damage from droughts. So, by your logic, living in about half of the continental US is "bad behavior".

    Probably more than half, actually. That's not practical at all. Practical is to realize that there is no magical safe place to live. There are dangers. And we must have the good sense not to throw a hissy fit when the world doesn't cater to us. Disasters happen. And they happen EVERYWHERE. This is nothing more than a selfish refusal to help others in need. I have no doubt that if you were the one in trouble, you'd want their help. I'm also pretty sure you'll deny that here, but it's purely speculative until it actually happens.
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  3. #23
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    Re: Should Taxpayers pay to rebuild homes after Hurricane Sandy?

    More than likely, my post will be echoing what many have already stated, but here goes regardless;

    While questions like this come up from time to time, the fact is that the charity organizations are more concerned about getting people food, water, and temporary shelter. Not building them a new house.
    Second, the responsibility stops when the community does. The government is not the person you want picking up the community torch......

    https://community.elca.org/page.aspx?pid=784
    LCMS prepares for Hurricane Sandy - The Lutheran Church
    Catholic Community Mobilizes to Help Those Affected by Hurricane Sandy | Daily News | NCRegister.com
    International Orthodox Christian Charities

  4. #24
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    Re: Should Taxpayers pay to rebuild homes after Hurricane Sandy?

    Quote Originally Posted by Paschendale View Post
    And how much of the country would that stance disallow people to live in? The entirety of California is out from the earthquakes. A lot of the northeast suffers substantial damage from blizzards. Tornado alley would be emptied. A large amount of the southeast coast is out from hurricanes and flooding. NYC and Long Island are out... most of the east coast, really. A lot of the midwest is subject to damage from droughts. So, by your logic, living in about half of the continental US is "bad behavior".

    Probably more than half, actually. That's not practical at all. Practical is to realize that there is no magical safe place to live. There are dangers. And we must have the good sense not to throw a hissy fit when the world doesn't cater to us. Disasters happen. And they happen EVERYWHERE. This is nothing more than a selfish refusal to help others in need. I have no doubt that if you were the one in trouble, you'd want their help. I'm also pretty sure you'll deny that here, but it's purely speculative until it actually happens.
    It isn't practical to insure your house against the most common natural disasters known to affect your area? That's what you're arguing against, in case you weren't aware.
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  5. #25
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    Re: Should Taxpayers pay to rebuild homes after Hurricane Sandy?

    Quote Originally Posted by joko104 View Post
    The damage is estimated at $20 BILLION plus. Insurance is estimated to only cover half, few homes have full coverage and many have no insurance coverage at all. Should taxpayers pay to rebuilt homes damaged or destroyed by hurricane Sandy?
    Generally I say no. The government should pay for the cleanup, the search & rescue missions, and to restore functioning city services. I'm also not opposed to the government providing those rendered homeless with some temporary housing assistance. But it should not pay for the damage to the homes themselves...that's what homeowner's insurance is for.
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    Re: Should Taxpayers pay to rebuild homes after Hurricane Sandy?

    Quote Originally Posted by tessaesque View Post
    It isn't practical to insure your house against the most common natural disasters known to affect your area? That's what you're arguing against, in case you weren't aware.
    Again with the Fallacy. Now in what could only be politely described as Disgenuously.
    Many Areas hit by the Hurricane This time were NOT in an area that could be classified as "the most common natural disasters in the area.."
    Nag's Head NC, certainly Could, Alot of others Not so.
    Last edited by mbig; 11-01-12 at 12:14 PM.
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  7. #27
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    Re: Should Taxpayers pay to rebuild homes after Hurricane Sandy?

    Quote Originally Posted by Kandahar View Post
    Generally I say no. The government should pay for the cleanup, the search & rescue missions, and to restore functioning city services. I'm also not opposed to the government providing those rendered homeless with some temporary housing assistance. But it should not pay for the damage to the homes themselves...that's what homeowner's insurance is for.
    Home owner insurance is a patchwork of what is covered and what is not covered. You can have hurricane insurance but it won't cover flood damage (I know stupid right?). Apparently hurricane coverage covers a limb that fall on your home but not the flooding the water causes. If there was some magic policy that covered all damage it would make sense, unfortunately that's not how insurance works.
    “Capitalism is the astounding belief that the most wickedest of men will do the most wickedest of things for the greatest good of everyone.” John Maynard Keynes

  8. #28
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    Re: Should Taxpayers pay to rebuild homes after Hurricane Sandy?

    Quote Originally Posted by mbig View Post
    Again with the Fallacy. Now in what could only be politely described as Disgenuously.
    Many Areas hit by the Hurricane This time were NOT in an area that could be classified as "the most common natural disasters in the area.."
    Nag's Head NC, certainly Could, Alot of others Not so.
    I'd say it's more likely for a sea-baring storm to hit the east coast than an earthquake. It's more likely for a blizzard to hit the northern east coast than a dust storm. You see what I'm saying, right? If your area has been hit in the last 100 years with a major natural disaster, you insure against it. Haven't you heard about 100 year flood plains? It's the same premise. Your argument that people shouldn't have to insure against something that doesn't happen incredibly often is idiotic. Insurance is designed to protect against the unexpected, not the everyday events of life. That's the point of insurance. If you fail to utilize it correctly it isn't the tax payers' responsibility to replace your ****.
    Last edited by tessaesque; 11-01-12 at 12:32 PM.
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  9. #29
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    Re: Should Taxpayers pay to rebuild homes after Hurricane Sandy?

    Quote Originally Posted by iliveonramen View Post
    Home owner insurance is a patchwork of what is covered and what is not covered. You can have hurricane insurance but it won't cover flood damage (I know stupid right?). Apparently hurricane coverage covers a limb that fall on your home but not the flooding the water causes. If there was some magic policy that covered all damage it would make sense, unfortunately that's not how insurance works.
    Never having owned a home myself, I'm not too familiar with the ins and outs of homeowner's insurance. But if that's a problem, it seems to me that the easier solution would be to fix the homeowner's insurance market, rather than have the government essentially insure the homes itself. I don't think it would be out of line to pass some new insurance regulations that mandate that insurance companies which cover hurricanes also cover flooding (since most consumers would associate the two, and wouldn't read the fine print). Consumer protection would seem to be the issue, not the lack of available insurance. I don't really see any reason for the government to be involved in the homeowner's insurance business itself, absent any reason to think it could do a better job than the private sector.
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  10. #30
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    Re: Should Taxpayers pay to rebuild homes after Hurricane Sandy?

    Quote Originally Posted by tessaesque View Post
    I'd say it's more likely for a sea-baring storm to high the east coast than an earthquake. It's more likely for a blizzard to hit the northern east coast than a dust storm. You see what I'm saying, right? If your area has been hit in the last 100 years with a major natural disaster, you insure against it. Haven't you heard about 100 year flood plains? It's the same premise. Your argument that people shouldn't have to insure against something that doesn't happen incredibly often is idiotic. Insurance is designed to protect against the unexpected, not the everyday events of life. That's the point of insurance. If you fail to utilize it correctly it isn't the tax payers' responsibility to replace your ****.
    I hope you have earthquake insurance...a 6.4 magnitude earthquake hit Texas in 1931. That was less than 100 years ago. If you don't your just being irresponsible.
    “Capitalism is the astounding belief that the most wickedest of men will do the most wickedest of things for the greatest good of everyone.” John Maynard Keynes

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