Insurance Close to the Water

[Kelena]

Kathy, we are on twin timing tracks. What scares me down by the water is not the rust and salt --it's the insurance....yikes! Although I have to say, the stories about what CAN rust, corrode, disintegrate are pretty sobering.

Anyway, good luck to you, too.

[missydog1]

glen,
the house I was looking at already had a lot of rust and salt damage after 15 years. It was built from standard materials that could not stand up to the assault.

Right now I'm in a short term in Vacationland -- oceanfront although across the street -- and everything is rusted and corroded: roof eaves, appliances, lamps, fixtures, windows, screen doors are falling out.

It's just way too much maintenance. I would not use aluminum windows for sure.

Anyhow, there was way too much stuff for me to replace considering it was in the low 400's to start with.

But I really liked the location and the drama of the sea!

I did also have tsunami concerns there ... I mean, if there had been one, it wouldn't have been so good. It was a one story and the regular ocean waves breaking were at eye level out across the back yard ...

[Beachboy]

quote:

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Please forgive me for going to the Punaweb Well of Wisdom with such frequence lately. I am in our debt. Do any of you have any experience with getting insurance within close proximity to the lovely blue --but treacherous-- ocean? Agents? Companies that service that area? The agent I went through expressed difficulty, especially where the dwelling was within 500 feet of the water.

Really, just thinking that thatched huts may be a more practical idea than a stick and mortar house!

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For what it's worth Glen. With Pyramid Insurance you may pay a little more than others out there. But when the '"Mud" hits the fan', Pyramid is right there! Kevin Yee is also my agent. Kevin & Pyramid pay out their claims really fast making their service worth the extra $$$. It allows me not to lose sleep , which is important to me..