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I haven't been active on here for a while, I have had a lot on my plate what with work and stuff but I do keep a check on what is going on.
I see that people commented on my post about Acts Of God, there were some interesting views for sure but under British Law, an Act Of God has to be proven to be exactly that which is why Lloyds Bank Insurance had to pay for my roof to be repaired.
In Britain, when someone takes out buildings insurance, it is intended to cover all eventualities, including natural events such as flooding or hurricanes, yes, we do get severe storms here in Britain, the difference between here and, oh I don't know, America for instance is that here we build our houses out of brick, stone AND timber, not just timber so when a storm strikes, the buildings stand a chance of remaining intact with minimal damage whereas in the U.S, whole houses get flattened in a storm which would leave the average British house totally unscathed.
Just saying.

meister268 5 July 27
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Yes,, your housing developers are better than ours, because they don't sell the worst possible product at the highest possible price, to the most vulnerable population. Or... are our capitalists better than yours?

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>yes, we do get severe storms here in Britain,

Get back to me when class four (winds between 130-156 mph) hurricane with a 10 foot tidal surge (10 foot above the high tide mark) sweeps across one of your outlying islands. That levels anything that isn't built with reinforced concrete.

By the time a hurricane gets to Britain, it's a "tropical storm." That's what is also classified as a severe thunderstorm. You might get the wimpy class one hurricane (winds above 70 mph).

Should I mention I spent too much time in Florida? On average every town in Florida gets hit by a hurricane every five years. One year Pensacola, FL, got two hurricanes in one month.

With global warming, I left Florida for the mountains. It was a case of hurricanes getting bigger and stronger. Here in Senca, South Carolina we get severe thunderstorms that might loosen enough shingles to bring in a roofer.

As for those worried about hurricanes it's required to have both flood and wind damage coverage. Otherwise the Good Hands insurance company will drop you.

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I think you will find that "acts of god" disappeared from insurance policies years ago

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I think that makes good sense to me! Build the house to last, that should allow for less waste, all around!

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Most American building policies are written as a "named exclusion" policy, meaning unless it is specifically listed then it's covered up to the limit of the policy. The list is pretty short (flood, earthquake, acts of war, intentional acts, a couple other things) so maybe ours is a better deal than Britain's.

GwenC Level 7 July 27, 2019

@Allamanda >and a 200 yr old house is not much in Europe...

Here in the states the age of the house is often determined by how fast the real estate values rise. That five year old house that sold for $120,000 new will be torn down when the land it sits on goes up five fold. It's common for them to tear down mansions in Beverly Hills fairly often.

We'un's crazy we is.

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