Non Footy Chat Thread II

[Eelogical]

If the sun sets in the woods

We don't need to light the barbie?

 

[Bandwagon]

On flood insurance for what it's worth it's a f**king joke.

2017 My business went under around 2.2m deep, my flood premium was around 10k PA and I wasn't paying that as at that money it wasn't a true reflection of the risk.

Last time flood water was in my premises was 89 and the flood cost me around 100k, so do the maths and it just aint worth it.

It so happened my insurance was up for renewal just afterwards, and the only quote my broker could find was for 75K. Which just says to me they don't want it, but hey if you're dumb enough to pay it, well they're gonna take your money.

Thing is after the 2017 flood you could tell who was insured and who wasn't, because the merkins like me that weren't either closed for good, or were back trading within the month.

The ones that were, which is mainly your corporates who would be doing as a group, thus spreading the risk anyways, took months, in some instances more than a year to re-open

The problem there is if you're insured, you don't give too much of a f**k, you lock the doors, go home and lodge your claim the next day. Whatever, you're covered.

Talking to my broker yesterday and they're trying to push for some kind of nominated cover scheme, where you might buy say 50k or 100k of cover, which would cover some of your losses, but still keep you with enough skin in the game to ensure you minimised your loses as much as is possible.

Yet nothing, no interest at all. The whole Idea of all or nothing is bizarre in both the cost and the behaviour it is inevitably going to encourage.

 

[Poupou Escobar]

If the sun sets in the woods

*Pope

 

[Gary Gutful]

On flood insurance for what it's worth it's a f**king joke.

2017 My business went under around 2.2m deep, my flood premium was around 10k PA and I wasn't paying that as at that money it wasn't a true reflection of the risk.

Last time flood water was in my premises was 89 and the flood cost me around 100k, so do the maths and it just aint worth it.

It so happened my insurance was up for renewal just afterwards, and the only quote my broker could find was for 75K. Which just says to me they don't want it, but hey if you're dumb enough to pay it, well they're gonna take your money.

Thing is after the 2017 flood you could tell who was insured and who wasn't, because the merkins like me that weren't either closed for good, or were back trading within the month.

The ones that were, which is mainly your corporates who would be doing as a group, thus spreading the risk anyways, took months, in some instances more than a year to re-open

The problem there is if you're insured, you don't give too much of a f**k, you lock the doors, go home and lodge your claim the next day. Whatever, you're covered.

Talking to my broker yesterday and they're trying to push for some kind of nominated cover scheme, where you might buy say 50k or 100k of cover, which would cover some of your losses, but still keep you with enough skin in the game to ensure you minimised your loses as much as is possible.

Yet nothing, no interest at all. The whole Idea of all or nothing is bizarre in both the cost and the behaviour it is inevitably going to encourage.

Lismore doesn't flood. Do you even Lismore?

 

[Gary Gutful]

 

[hindy111]

On flood insurance for what it's worth it's a f**king joke.

2017 My business went under around 2.2m deep, my flood premium was around 10k PA and I wasn't paying that as at that money it wasn't a true reflection of the risk.

Last time flood water was in my premises was 89 and the flood cost me around 100k, so do the maths and it just aint worth it.

It so happened my insurance was up for renewal just afterwards, and the only quote my broker could find was for 75K. Which just says to me they don't want it, but hey if you're dumb enough to pay it, well they're gonna take your money.

Thing is after the 2017 flood you could tell who was insured and who wasn't, because the merkins like me that weren't either closed for good, or were back trading within the month.

The ones that were, which is mainly your corporates who would be doing as a group, thus spreading the risk anyways, took months, in some instances more than a year to re-open

The problem there is if you're insured, you don't give too much of a f**k, you lock the doors, go home and lodge your claim the next day. Whatever, you're covered.

Talking to my broker yesterday and they're trying to push for some kind of nominated cover scheme, where you might buy say 50k or 100k of cover, which would cover some of your losses, but still keep you with enough skin in the game to ensure you minimised your loses as much as is possible.

Yet nothing, no interest at all. The whole Idea of all or nothing is bizarre in both the cost and the behaviour it is inevitably going to encourage.

You need to sandbag

 

[84 Baby]

*tea

 

[Bandwagon]

You need to sandbag

Mate the flood ripped my front doors apart, pulling the post that supports one off the slab, it also pushed a large industrial roller door out of it's tracks.

This is because the building is fairly well sealed, and when locked up the inflow of water is restricted enough to cause a height differential between the water which is outside, and the water which is inside.

Now the water level through the building was at around 2.2 metres, do you really think a coupla sandbags would have done more than f**k all?

 

[hindy111]

Mate the flood ripped my front doors apart, pulling the post that supports one off the slab, it also pushed a large industrial roller door out of it's tracks.

This is because the building is fairly well sealed, and when locked up the inflow of water is restricted enough to cause a height differential between the water which is outside, and the water which is inside.

Now the water level through the building was at around 2.2 metres, do you really think a coupla sandbags would have done more than f**k all?

Sounds like a flood of biblical proportions. What type of buisness?

 

[Incorrect]

Sounds like a flood of biblical proportions. What type of buisness?

Waterproofing

 

[84 Baby]

Sounds like a flood of biblical proportions. What type of buisness?

Bible sales.

 

[Gronk]

FFS.

 

[hineyrulz]

Waterproofing

Lol

 

[Twizzle]

FFS.

how the f**k do they get Dominos delivered

 

[84 Baby]

how the f**k do they get Dominos delivered

Sloppily and cold. Like everyone else

 

[Gary Gutful]

Mate the flood ripped my front doors apart, pulling the post that supports one off the slab, it also pushed a large industrial roller door out of it's tracks.

This is because the building is fairly well sealed, and when locked up the inflow of water is restricted enough to cause a height differential between the water which is outside, and the water which is inside.

Now the water level through the building was at around 2.2 metres, do you really think a coupla sandbags would have done more than f**k all?

Was that in 2011? I spent a bit of time in Lismore as a kid (lived in Tenterfield) and have vivid memories of the 1974 flood marker levels.

 

[Barry O'Speedwagon]

We don't need to light the barbie?

Didn't Eddie Murphy shove Barbie up his arse while taking a bath? Or was it GI Joe?

 

[Gary Gutful]

Was that in 2011? I spent a bit of time in Lismore as a kid (lived in Tenterfield) and have vivid memories of the 1974 flood marker levels.

Oops, just read your first post - 2017 it is.

 

[Poupou Escobar]

Didn't Eddie Murphy shove Barbie up his arse while taking a bath? Or was it GI Joe?

The latter

 

[Gary Gutful]

Didn't Eddie Murphy shove Barbie up his arse while taking a bath? Or was it GI Joe?

Pretty sure it was Smokin’ Joe Kilroy.