insured property

for those of you like me who have lost your homes in the fires

For everyone who lost their home. This is so helpful!

Please share!!

A friend who lost their home in a fire has provided this action plan for those who have recently lost their homes…

Start with the small list:

1. Get a PO Box

2. Longer term rental search - include insurance on it so they pay directly for rental. Find a nice place that you like, don’t settle. You should be able to get a “Like Property” so insurance should cover a nice place for you to live while you work through all this. You might be living here for 2 years, so choose wisely.

3. Find a place to buy some sturdy boots and gloves. Get some shovels.

4. Start working on the personal property list (this is not fun at all, be prepared to cry we sure did). Write down the moment you remember – keep list on phone or pad of paper with you at all times.

5. Save receipts. Loss of use insurance will cover incidentals too – hairbrush, phone chargers, etc.

6. As you buy things, tell the store owner your situation. Most stores will give you some level of discount as their way of helping you.

7. Let people do things for you. Do you have a friend that you can send to the store to buy you some basic clothes or comfort foods? Let them do it – they want to help and you don’t need to spend time doing these errands. (The ‘fun’ of shopping is gone…it quickly becomes a chore because you don’t want a new shirt, you want the one that you always liked to wear but now it’s gone and you are sad/mad.)


The Big List:

1. Register at the shelters, with Red Cross and any other agency there, california FEMA, etc.
a. Most of the aid coming in will use these lists as a point of contact and will help to ensure that you don’t get left out of anything.
b. This will be especially important should FEMA be activated, which in my opinion is very likely with the amount of devastation experienced.

2. Call Homeowners/Rental insurance to trigger “Loss of Use”
. This typically will allow you to be in a “Like” property for x number of years and sometimes has a dollar limit attached and sometimes not, this is dependent on your policy.
a. This coverage should also give you some immediate access to funds for essentials, clothes, toothbrushes, food, etc.
b. This will also get the ball rolling for the insurance claim on your home and rebuilding/personal property Dollars.

3. Get a PO Box and forward all mail to the Box.
. Use this PO Box as the mailing address on all forms you begin to fill out.

4. Start Searching for a Long term rental.
. Coordinate with your insurance company so that payments can be made directly from them using your “Loss of Use” money.
a. Plan on renting 1-2 years, but do not necessarily sign a lease for a full two years as circumstances can change.

5. Itemized List of belongings - (This is very hard but very necessary for your claim)
. I would organize by room and list everything that was there with a replacement cost. (you will cry a lot doing this and that is ok)
a. Replacement Cost should be what it would cost to replace not on sale from pottery barn, it should not be the price you paid for it with that 50% off coupon.
b. Make sure you list everything, even if it is above and beyond your policy limit. This is very important because everything above and beyond the policy limit is considered a Loss and can be claimed as such on your taxes - See #9

6. Call all of your utilities and either freeze or cancel service.
. Electric, Gas, TV, Land Line phone
a. Newspaper delivery, either cancel or update to PO Box.

7. Call the rest of your insurance points as needed.
. Car insurance
a. Any specialty insurance for unique items

8. Permits - An unfortunate necessity.
. Debris Removal - as things wind down it will be necessary to remove the debris, this requires a permit usually. (This should be covered by your insurance, we had to force the issue but ask repeatedly.)
a. Erosion Control - If you are on any kind of hill or have sloped property you will need to put some sort of erosion control measures in place, again this will need some sort of permit.
b. Temporary Power Pole/Trailer on site Permit - Getting this earlier on can prove helpful in both the rebuilding process.

9. Taxes
. You will be able to claim the monetary loss of the value of all your items minus what you receive from your insurance company. I’m unfamiliar with the exact laws, but I believe that we were able to carry our losses back 2-5 years and received most of the money that we had paid in taxes back in a nice large check.

10. Network with others. You will learn so much from others as you go through the rebuilding process. We all have our strengths so share yours and use others. The amount of time that you will spend on the rebuild, insurance, recovery process is staggering so you need to use all your resources.

Please share!!

Insurance Agent: Mr Strange, it’s you again.

Strange: It’s Doctor. Nevermind. I want to claim insurance for property damage of my Sanctum.

Agent: *sigh* Which God this time?

Strange: It’s Hulk.

Agent: Sorry, we don’t cover for Acts of Avengers. That will be an extra 15000.

Strange: You didn’t pay when I tried to claim the last time and I’ve increased my premium.

Agent: Yeah, that’s for Acts of Gods. You asked me to make it plural.

Strange: So you only add the Gods clause but not Avengers.

Agent: Yup. By the way, we don’t cover the end of the world scenario either.

Strange: That’s it. No more insurance. I’ll just use magic even with the price.

Creepypasta #1059: I Don’t Think I’m Allowed To Leave

Length: Long

I’ve been a penny pincher all my life. Never gambled, never splurged. I’m a real tightwad, to be honest with you. The type of guy that glares at a girl on a date with when she asks for dessert and I’m paying. As you can imagine, this hardly made me the most popular of guys, but it’s out of my control. It stopped being mere frugality and became a sort of neurosis.

I eat rice and beans every night, when I could afford steak. I drive a 1999 Pontiac, when I could be driving… well, I don’t really know anything about cars, but you get the drift.

Anyway, my end goal was always a house. I figured that with all the investments I’d made while living in my parent’s house rent free for years longer than was socially acceptable, I could cover insurance, property taxes, all that nonsense, buy a cheap house outright, and retire young. To me, “young” usually meant 50. Against my wishes, but at my father’s demand, at 29 I finally moved into a cheap one-room apartment.

I was shocked, then when at age 30, the opportunity arose. I was surfing Zillow one night, just poking around out of boredom. I turned the settings to only show me houses under $150,000, and was thus surprised when the house I clicked on still popped up for only fifty thousand.

20 acres. Wooded. Three bathrooms, four bedrooms. I scoffed. Things like this happened sometimes, programming errors. This was easily an 800-900,000 dollar house, more than likely over a million. Still, curious and bored, I clicked on the listing

The house was beautiful, and older looking estate built of heavy, grey stone, combined with large logs that gave it a sort of hunting lodge appearance. I double-checked the price: yup, still fifty grand. “Fifty grand my ass,” I thought, but still I checked out the contact info.

The realtor was listed as a Clarence Helms, and a phone number was given. No address was listed. Again, odd, but it clearly popped up on the map at the center of a pretty rural area. I had thought that land was national park property, honestly, but what do I know?

Still thinking this was all some joke, but desperately looking for something to do, I gave the number a call. It picked up after one ring, as if somebody had been waiting.

“Hello?” I asked, yawning.

Silence.

“Hello?” I repeated.

Silence.

“Is somebody there?”

Keep reading

punkcandy  asked:

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i am going to fucking vore you

WHAT THE FUCK IS CAR INSURANCE?

Okay everyone sit down, buckle in, and shut the fuck up. You’re about to learn a thing. Please leave your questions until after class. 

(Disclaimer: This is only for car insurance based in the United States. You’ll have to do a little more digging if you live elsewhere. Although, maybe other countries teach this shit better, what do I know.

((Disclaimer inside the disclaimer: This will be an overview of what insurance is and how it works, talk to your insurance company and look over your policy in detail to see what is offered and how you can make it fit your specific needs)) ) 

As someone who works with car insurance 8 hours a day 5 days a week, it’s come to my attention that not many people understand what the fuck it is or how it works. So not only is insurance a huge part of our lives, unless you work with it on a intimate level, it can be confusing as hell. 

So let’s get started. Because these metal death traps aren’t going to insure themselves.

THE FIVE(ISH) PORTIONS OF CAR INSURANCE 

LIABILITY (aka: how to keep your ass from being sued) 

There are two types of liability when it comes to car insurance: Bodily Injury and Property Damage

Bodily Injury is split into two parts: per person and per accident. Per person is just how much is paid if one person is injured. Per accident is the limit that will be offered if it is more than one person hurt in the accident. Property Damage is just per accident and is mostly used to pay for the other person’s car (stuff like houses/mailboxes/streetlights/ect also fall under this category). 

These two are in no way covering you or your property. They are for the people/things that you hit. The only thing they cover are your finances because accidents are fucking expensive, my dudes. And if it’s your fault then well, it’s gonna cost you if you’re not properly covered.  

Every state has it’s own limits on what it will offer. Double check on the lowest limits that your state requires because if the company you’re with is offering less that the state minimum….well. Not a good sign. This coverage is not optional. Every car insurance ever is going to have liability coverage. 

COVERAGE FOR YOU AND YOUR PASSENGERS 

I wish this section had a nice little title to go along with it but it does not. Basically these are to protect you and the people riding with you. This would be in case the accident is deemed your fault or if the fault lies with both parties. 

This coverage is most likely going to be called Personal Injury Protection and this covers stuff like medical bills, paying a portion of your wages while your unable to work, funeral expenses stuff like that. Some states require it, others do not. Often times Medical Payments (self explanatory) will be an separate/optional coverage. Medical Payments and Personal Injury protection can overlap with coverage that is offered with Health Insurance so it’s not always a requirement when it comes to car insurance. 

Not every state is going to have Personal Injury Protection and will instead have medical payments attached with additional benefits that provide the same type of coverage. Again, double check your insurance packets. 

The other person’s liability will step in if you are injured and they are the one at fault. 

‘But, Mae!’ I hear you say, ‘What about if that person isn’t insured?’ 

Well, person reading this and who I told to leave all questions to the end, that is where Uninsured/Underinsured Motorists coverage comes in. If a person who does not have insurance (or doesn’t have enough insurance to cover your medical expenses) hits you, then your insurance will step in. This coverage almost always matches up with Bodily Injury Liability as far as limits go. Some states will let you decline it but, honestly, it’s just a good one to have. 

PROTECTING YOUR VEHICLES 

Now this section breaks down pretty easily into two categories: Comprehensive and Collision. 

(except some states are a pain and call comprehensive ‘other-than-collision’ instead and what the hell??? States are weird. Whatever. Let’s move on) 

Comprehensive is covering your vehicle for everything except hitting other vehicles. Tree falls on your car and smashes it? Covered under Comp. Hail storm shits all over your car leaving huge dents? Covered under Comp. Hit a deer while driving home? Covered under Comp. 

ALSO! Glass damage is placed under this coverage. A few really lucky states have full glass coverage, most don’t though. 

Collision is, you guessed it you smart son-of-a-gun, hitting another vehicle (also hitting an object other than an animal). Again, this is if the accident is deemed your fault. Other person’s liability will cover if it’s theirs. Collision is more expensive because crashes cause more damage. 

Deductibles for these coverages must be paid before your insurance steps in to take care of the rest. No matter what.

A higher deductible means a lower premium but it does mean that you have to fork out more if something happens. Play around with your deductibles and see if having a lower one is worth it for you.

Also some states will have Uninsured/Underinsured Motorits Property Damage which is similar to uninsured/underinsured motorists bodily injury expect it protects your car. If it is not on the policy, then it’s covered under Collision. 

So taa daa. Pretty much everything that could happen to your vehicle is covered. 

EXTRA STUFF OR WHATEVER 

I can’t look at every insurance statement and see what they offer as incentives but it should at least have two things 

Rental Reimbursement and Towing and Labor 

Rental Reimbursement is fairly self explanatory, it pays for a rental vehicle while yours is being repaired due to a covered loss. (Note: Covered loss does not mean mechanical breakdown, it means accident.) 

Towing and Labor is also pretty easy. This pays to tow your vehicle to a body shop in case of mechanical breakdown. The Labor portion is paying for the person who comes to help at the sight of the breakdown. 

STUFF THAT COMES UP A LOT

“Will my insurance cover a rental vehicle???” 

If you’re renting a vehicle for vacation or because your car broke down, double check with your insurance company to see if they will cover the insurance on the rental vehicle. The rental car company is going to be pushy about buying their insurance and maybe you’ll have to but it never hurts to check. 

“I had an accident, will my rates go up???”

If you’re not at fault, no. If you are, yes. Tickets will also increase your insurance. They don’t last forever but yes your insurance will be affected. Insurance companies will use Motor Vehicle Reports to determine your driving history. If you have something on your history you don’t agree with you’ll have to take it up with the DMV. 

“Why are my rates going up???” 

Accidents are more expensive now than they’ve ever been. Cars aren’t just nice little metal boxes anymore. They’re metal boxes with expensive shit like cameras and sensors and electronics and whatever. So not only are insurance companies having to pay for the bumper of a car but now they have to pay to replace all of that extra stuff. If your car doesn’t have that good for you, but remember that pesky liability coverage. 

“But why do I have to pay for other people’s insurance?!?!?” 

Ok. 

So. 

That’s what insurance is. Take away all that fancy legal talk and that’s the fucking basis of insurance. It’s putting money in a big pot so that when someone has an accident, they can pull out of it. 

Look, no matter what you’re paying for car insurance, it’s not going to be enough to pay for all the damage you might cause in an auto accident. It’s just not. 

Look at how long this fucking post is! Look at all that shit that might have to be covered! Are you prepared to pay for someone to go to the hospital or fix their fancy future car or pay if you smash into a tree because it’s dark out? No! This is all incredibly expensive! You make monthly payments to your insurance so they can step in and take over the risk if something happens. You’re paying your way. 

Insurance is transferring risk and paying so there’s money to pull from in case something does happen. Kumbaya, we’re all working together. 


Alright I think I’ve typed enough for one day. If you have questions or you’ve noticed that I missed something, pop into my inbox and I’ll do my best. 

HOWEVER!!!! 

I am not your insurance agent. Please talk with your company and look over your stuff before you make any big decisions. This, again, is an overview drafted to the best of my ability. 

Now get out there and drive safe m’dears! 

livingmeatloaf  asked:

Hello! I'm not sure what category this falls under, but what kind of insurance rate increases and housing price/property value decreases could you expect to see in an area with regular or increasing superhero/villain/fighting occurances? Especially fighting where property damage is the norm.

SUPERHEROES ARE MY JAM! You’ve come to the right place, my friend.

You’re definitely going to get both insurance rate increases and property value decreases if supers are trashing the area on a regular basis. If your house gets knocked down every other year, your insurance company isn’t going to keep charging you a nice low rate, because they hate forking out to rebuild your house. They need to cover the cost of continuously rebuilding your house, which means charging your characters a lot more money. They might even refuse to provide insurance at all if they deem the area too high risk: after flooding in England some families couldn’t get house insurance for love nor money, just because of where their houses were situated. Likewise, if the Joker is running around torturing kids every third weekend, you aren’t going to want to buy a house there for your young family, are you? A lack of demand will drive house prices down until property values (could) hit close to the value of the bricks and mortar, and nothing else.

Unfortunately, the exact numbers are impossible for me to quantify, because everything comes down to a matter of extremes. You have villains running around that aren’t particularly harmful to the general populace, like Catwoman? House prices won’t be so badly affected, though your contents insurance might hit as yet unseen heights. But Juggernaut busting down walls every third month? That’s gonna have a much bigger effect on property prices and insurance rates.

In summary, the extent of these problems is entirely up to you. Are your villains pretty cuddly, or brutal mass murderers? And what about your heroes? Do they care about property damage? Do they even care about keeping your civilians alive?
xx

anonymous asked:

About health insurance im still confused about deductibles so if i got a plan with a 4,000 deductible i would have to pay that myself then health insurance will start working? Also is out of pocket maximum how much i might spend a year at most? Thanks <3

i apologize in advance - this is going to sound a bit rambly, but i promise i’m trying to just explain it as thoroughly as possible.

okay, so, deductibles.  in things like property insurance they tend to be low ($500) and you, the beneficiary of the plan, have to pay it in full for repair costs or whatever before your insurance then kicks in and pays all of the rest.  so if you get rear-ended and the repairs to the bumper are $750, you would pay the first $500 and the insurance would pay the remaining $250.  that’s a pure and simple deductible.

it seems more confusing in health care because what is “charged” by the provider (cost of service) is different than what the insurance company has negotiated to pay for that exact service (contracted rate), both of which are different from what your financial responsibility is.  this is because health care costs have inflated significantly over the years, to the point where pretty much nobody can afford them at the cost of service, but car repair rates have stayed consistent and reasonable.  

so let’s say you have a health plan with a $1,000 deductible. you trip during zumba class and hurt your wrist and go to see your doctor, who inspects it, does some x-rays, casts it.  the total cost of that treatment is $2,000.  the doctor will send the bill to your insurance company, who has a negotiated (contracted) rate with this provider of $1,100 for this collection of services.  since your deductible is $1,000, the insurance company would pay the provider their balance ($100) and you would receive a bill for $1,000.

the important thing to remember is that deductibles are cumulative.  that means that, exclusive of premiums (your monthly payments) and copays (what the doctors may charge you just to get in the door of their office, basically), any costs of care you may incur add up into the deductible.  so you think you have mono and they do some bloodwork and it costs $50; that counts towards your deductible.  your knee has been hurting and you go to see an orthopedist and it costs $200; that goes towards your deductible.  that’s $250 of your $1,000 deductible already paid down; by the time you fall in zumba and break your arm, you only owe $750 before the insurance company steps in to pay.  

after you hit your deductible, your plan may have, say, and 90/10 split: they cover a full 90% of any costs incurred after the deductible has been paid, and you’re responsible for 10%.  this is where the out of pocket maximum becomes relevant.  it used to be, before the OOP max was instituted, that if you had extremely expensive care required– chemotherapy, or major surgery– then even if you had hit your deductible and had a 90/10 split, the 10% of a $700,000 bill would bankrupt you.  the OOP max basically is the total amount of payment for services (again: exclusive of premiums and co-pays) that you will have to pay in a year.  

so if, after you break your arm at zumba and get your cast off, you’re off parkouring around the city because why not, and you fall off a wall and re-break your arm really terribly and need four surgeries to properly repair it.  the total sticker price on that is $500,000 when all is said and done.  without the OOP max, you would be responsible for 10%, or $50,000, right out of your own pocket. if you OOP max is, say, $10,000, though, then that’s the cap.  that’s where you get to stop being responsible for the cost. it’s specifically in place to mitigate the possibility of major medical expenses bankrupting people and spiraling them into massive debt.  (there’s plenty to say about how it doesn’t go far enough, which it obviously doesn’t, but it’s better than nothing).

i hope this (long, rambly nonsense) was helpful!  :)

2

I am sorry I destroyed your zen garden. And you may call me Kory again.

I love Kory.

One of the best things about comics is when they address practical concerns. Like.. where do they all get their costumes from? What about property damage.. oh, there’s special super hero property insurance premiums? Who do superheroes see when they’re having a hard time? Well, if you’re Superman or Starfire or Dick Grayson trying to convince your little brother he needs help, you seek out Dr. Claire Foster in Metropolis. 

Seattle May Day Riots

Read this and just think about it for a second

Every year, Seattle hosts the only scheduled riot in America.

Every year, the people of Seattle, Anarchist groups from all over the country, BLM members and anyone who just wants to destroy something, can come to Seattle on May 1st and destroy businesses, set fires, assault and kill citizens and throw Molotov cocktails at cops. Free of charge, both monetary and legal.

Every year, the police department is told to stand down and allow this riot to take place. They are only to intervene if they see someone’s life in danger. This doesn’t mean simple assaults, or the cops themselves getting hit with bricks and Molotov cocktails. It means the cops literally have to see someone being killed, to intervene. Tough to see at the perimeter.

Every year, millions of dollars in damage to public and private property is passed on to the tax payer and insurance companies of these properties. This means, not only are these UNconstitutional riots allowed and promoted, but they are also funded.

THIS YEAR, Kshama Sawant, an openly socialist and Leftist extremist city council member for Seattle, in regards to this years May Day, stated “If we want to build a resistance to Trump and the Billionaire Class, we need mass peaceful civil disobedience that shuts down highways, airports and other key infrastructure” and we all know what she means by “peaceful disobedience” in the midst of a scheduled riot…
Sawant also agreed, last year, during a council meeting, that the new police station being built in Seattle is “literally an act of war against minorities” and that the new police station “is actually a bunker for white supremacists”…. Also, while virtually touring the new station, her staffer asked a police officer “so this is where you’ll change your clothes when you go out to kill black and brown people?” Ya…..

THIS YEAR, Schools in the area are being shut down because “the city cannot guarantee the safety of the children” LET THAT SINK IN…… The riots are not only being allowed, funded, promoted and directed, but the police are also given orders to stand down.. and the city cancels SCHOOL FOR CHILDREN, because they “CANNOT guarantee the safety of the children”… Sorry Seattle, but you misspoke.. what you meant to say is “”“We WILL NOT guarantee the SAFETY and EDUCATION of YOUR CHILDREN, because pushing extreme Leftism, fascism and hate, is far more important than the SAFETY AND EDUCATION OF YOUR CHILDREN”“”… Absolutely disgusting..

THIS YEAR, will be far worse than any other May Day in Seattle. We now have Soros funded protester and hate groups like BLM and Antifa. Anarchists willing to travel any distance to riot, along with every nut job Leftist anit Trumper in Washington. Sprinkle on all the gang bangers that come over the hill to “party” and there you go.. Seattle lets them know there will be no consequences and you’ve got yourself a ticking time bomb. Not to mention, it’s just a matter of time before an Islamic extremist drives a box van through them or blows himself up…. This is the environment they support and perpetuate.

Seattle is lost. It’s gone. Seattle is destroying itself day by day and instead of correcting the course, they double down. They have deteriorated to the point, that they’ve invited anyone willing to come and burn the city to the ground, assault or kill their citizens, destroy businesses, block freeways and Airports and injure or murder members of its own police force…. This is the face of hive mind, socialism, Leftism, Social justice and fascism, all bottled up, lit and thrown down the Street of Seattle.

My hat is off and my prayers are with any pro freedom fighter heading down to Seattle to face these TRUE fascists. Fighting for Free Speech, Religion, Conservatism and standing up to Anarchy and Fascism is a truly just venture. However I’d advise against doing it at this time and at this venue, unless you have an overwhelming number of people walking with you… This May Day will be the most destructive and largest one yet, so please be safe, God Bless.

Having watched the Tom Hanks film Sully, about the miracle on the hudson and post the incident where they had to investigate his actions to determine what happened

It just reminded me more and more how ridiculous people’s arguments are about how Avengers don’t need accountability simply because they are superheroes and saved people

That’s not how life works though

Even Sully, having saved all the people aboard his plane, even he had to still answer to an investigative board about what happened, even he had to held accountable, even he had to answer to someone

We do not nor should we live in a world where just because you saved someone that you’re automatically off the hook from answering about how an incident came about and someone to look over your actions

Yes the Avengers saved lives, that’s all well and good, but who answers for the buildings destroyed and lives lost while they were playing heroes? Who pays for funeral expenses? Therapy sessions? Grief counseling? Insurances? Property damages?

Zemo had to spend two days digging his loved ones out on his own, the Avengers came to save the day and then left, they didn’t do anything to help the aftermath, where were they?

The reality is this, you cannot go around effecting people’s lives and cause untold amount of property and psychological damage and not be answerable to someone or some group who can represent interests of citizens everywhere, to think you could simply get away with doing whatever you want by your own code of conduct is a childish, insular, and naive view

However broken our real world can be, we all are answerable and held accountable in what we do, cops who fire their weapons are always questioned by IA, governments still have to answer to the people, employees answer to their bosses, soldiers answer to their superiors - at the end of the day, we all answer to a larger entity that isn’t just ourselves, and often it can become being answerable to the public itself.

For Steve to simply think because he knows best, because he doesn’t trust governments, that he should just answer to no one but himself is such a dangerous thing - a benevolent dictatorship is still a dictatorship

You can’t claim to be part of a world, a protector of a world, if you don’t even listen to the concerns the world is asking you to see. 117 countries on this planet are concerned, and they had every reason to be, a super powered private group operating on an international scale without any control? It is a ridiculous notion for safe guards and monitoring measures to not be suggested.

Trust goes both ways, you can’t ask a world to keep trust you if you won’t trust it back.

Being a hero doesn’t equate to not having to be answerable to anyone except your conscience. If so, we wouldn’t have laws.

The truth! Let’s make this viral #LouisianaStrong

A FB friend wrote this. I’m just forwarding it:

Dear CNN, Fox News, MSNBC, ABC News, CBS News, Good Morning America, the Today Show and whatever other news organizations professing to employ people who refer to themselves as Journalists:

cc: all Facebook Friends (as promised)

FYI There is a flood in Louisiana.

You’ve met us before. You came and camped out over here during a very painful period in our existence about a month ago. You went into a neighborhood you’ve never been in, in a state it’s quite possible that you’ve never visited (despite that you are “very well-travelled”). Although, I realize you are sophisticated, and accepting of “other” cultures, you managed to pass judgment on an entire community in your own country, who were mourning and struggling to figure out – what the hell just happened – and where do we go from here – all of us (well most of us) – in good faith. You didn’t offer help, you didn’t offer support, you offered criticism – and then you left.
Oh you came back, a few weeks later, a lunatic, who also had never been here, showed up and murdered three of our finest citizens. In broad daylight. In the middle of town. You came back. With more criticism. More speculation. More side taking. When in the community I live, we were basically all on the same side. We’re all in this together. I hate to pull a hashtag, but seriously ‪#‎unBRoken‬.

Not one person I watched on the national news during the weeks following Alton Sterling’s death, or the murder of three police officers gave my friends, my family, my neighbors – any credit or the benefit of the doubt. Nope. The entire news media looked for someone to blame. Depending on what network you watched the target of blame was Sterling himself, the cops, the South, the guns, the whatever. Not one person I watched on the national news assumed that the whole city was by and large, and in good faith, just trying to wrap our brains around what happened, and trying to make our city whole again.
I think you people are stone cold silent about this flood, because really, there’s no agenda to push. There’s no side to take. There’s nobody to blame. So even though you don’t seem in the least bit curious, here’s what’s been happening around here since you left.

First – as previously stated. There was a Noah’s Ark Level Flood. It affected all of us. Black, white, dog, cat, man, woman, child, transsexual.
While it was still raining, a spontaneous, private, and well-meaning navy of ordinary people assembled themselves. They were black, white, asian and otherwise. They weren’t protesting anything. They got into their own boats, spent their own money, spent their own time, risked their own lives. Black people saved white people. White people saved black people. Nobody asked what color you were before knocking on your door. These are not first responders on some list somewhere. These are a bunch of guys who like to hunt and fish and as a result own flat bottom boats and they assumed that the actual police and other first responders, not to mention their fellow citizens – could use a little help. So they just showed up. Nobody told them to. They wanted to.

Meanwhile, across town, a spontaneous, private and well-meaning army of ordinary people assembled themselves in a 7 warehouse, un-airconditioned sound stage. (And FYI, it’s REALLY hot in August in Louisiana). They found some fans. And they had plenty of room. They gathered canned goods, bottled water, Gatorade, Neosporin, BandAids, Toothbrushes, deodorant, hairspray, sleeping bags, chairs and pillows. They set up kitchens with their tailgating party supplies. Nobody told them to. They just did it. Why? All because people who just lost everything about a half hour ago, got plucked off of their rooftops in helicopters and this army knew that they needed somewhere to go, and something to eat. Pretty much instinctively.

Meanwhile, across town, people who usually lived as one family unit in well-kept homes slept on air mattresses in friends homes watching flood waters threaten every memory, every belonging, every photograph, everything they spent their whole lives building, every spot their child took their first step become over-run with ruin, knowing it would be months, if not years before they clean up the mess. People who lost homes in Katrina, went through the same thing again. People who don’t own much to speak of, have nowhere to return to. All of these people woke up in a place where they have nowhere to send their kids to school. Indefinitely. All of these people I’ve seen, are sad, they are tired – but they are resilient – they are smiling.

We have not even begun to count our dead, much less bury them, and we’re still in mourning over the events from last months. For the love of goodness the least you could do is offer us a little encouragement.
I suppose a bunch of self-sufficient folks that actually love one another, and are trying to figure things out isn’t as interesting to you as casting gross stereotypes over people who live fly-over country. But we are a little bit baffled after all that unwanted attention we got a few weeks back, when we actually need you to get the word out, you are nowhere to be found.

As much as it pains me to ask, we need you to shine a light on this. There are people here who need help. Let’s take a time out from monitoring Donald Trump’s Twitter Feed and deal with this one. We need attention because we cannot rebuild our infrastructure, our schools, our homes, our businesses without the money that the attention will bring. So here is what we need you to explain to people that don’t live in Louisiana:

1) This water damage was caused by rain. Not a tidal surge. There’s a difference. I don’t have lots of time to explain, it – but the main difference is, that this is such a bad ass amount of rain that it only happens every 1000 years. Yes. One thousand years.

2) As a result of how infrequently this happens (yes every 1000 years) Nobody knew this was coming. We thought it would rain. We did not realize we would get almost three feet of rain in some places. 14 trillion gallons water is now trying to drain out of rivers, and bayous and ditches that are stretched beyond capacity. Think about that. Where’s all the water gonna go? Hell I don’t really know, but I can tell you this on its trip to the Gulf of Mexico (which is incidentally where a lot of your rainwater goes) – it’s gonna travel over places it hasn’t been for one-thousand-years. Sometimes that’s the first floor of your house. Sometimes – it’s the only floor of your house. Sometimes its your entire business. That supports you, and supports others. Either way, you have no place to inhabit for months because you can’t live in a house that’s been covered in water or sell your wares out of a store that nobody can get to.

3) This flood affected people from every walk of life. It did not discriminate between the good side of town, or the bad side of town. It was an equal opportunity offender. It just tried to ruin half a state. Despite what you may think, we’re fairly united against this slithering, slimy common enemy. We have only just begun to figure out how to dig our way out. Maybe you can help us figure it out. At this point, we’re open to suggestions, or at least some assistance in ripping out wet sheetrock.

4) You can buy maximum value flood insurance, and it will not – repeat not – cover the cost of the average price of a home in East Baton Rouge Parish. Plus, notably, flood insurance must be purchased separately from regular homeowners/property insurance. Most Homeowners insurance policies will cover you if you suffer any other form of natural disaster – by that I mean earthquakes, tornadoes and wildfires. But for some reason, not floods. Nope. That is limited. There are maps that insurance companies have where they think it could possibly flood. There are uninsured houses right now, that are in a place that some beancounter in an insurance company did not think it would flood. Maybe someone could check out what the hell is going on with flood insurance. We certainly talk a lot about health insurance.

5) There’s stuff we have that cannot be replaced.

6) Al Sharpton, Donald Trump, Hillary Clinton, President Obama, Kim Kardasian, and others - are nowhere to be found. (Although props to Taylor Swift for the cool million she sent us).

This education is sorely needed because the few, and I mean very few, articles I have been able to locate on the national news have said nothing about the above 6 points. But the best part? The comments. They clarify how uneducated the rest of the United States is about Louisiana (while usually, and ironically calling the people in Louisiana uneducated). In addition to the fact that “environmentalists” who love the Earth do not realize that Baton Rouge is NOT on the coast or below sea level (my favorite irony), these people think we are cultural Neanderthals. They don’t realize that we have our own music, food, language and culture. It’s a gift, and we are grateful and proud of it. It’s your fault you won’t take the time to understand it – not mine.

However, the recurring criticism and/or question from these “commentators” is why don’t these people just move? I have two responses to you.
The First, by way of example: Remember the Tsunami that happened in Thailand? A bunch of people on expensive vacations got mowed down by an unpredictable, unforeseeable weather event. Not once did I hear anyone ask: why would you go on vacation where there could be a Tsunami? Nope. All the people I know were too busy praying novenas and donating money to go to some country they may never see to stop and ask such a thing.

The more significant reason we don’t move away is because this is the kind of place that prays novenas and sends money to places we’ve never been in the hope of sending help and comfort to people we have never met. We are the kind of people that assemble a volunteer army, and a volunteer navy whose sole mission is to spread love, support and a hot meal to our neighbors and community. We’re dropped off in a shelter with a couple thousand of our new friends, and honestly still find a way to laugh together. The Cajun Uber joke on Facebook is priceless. That’s it. Our joie de vie is in our DNA, and it grows out of this soil, and it is contagious. But only in this place. On this little part of muddy earth. We know all our cousins. We live a block from our grandparents. Plus the food is really, really good.

Come hell or high water, we’re not going anywhere. You’re welcome to visit anytime. We promise, no matter what, we will love you anyway, we will always send rescue, and we will always find a way to make you smile. And after all that we will, most definitely, feed you.

Love,
The State of Louisiana
#unBRoken

A few tidbits from Dragon*Con:

– Doc was writing some while he was at Con. He gave us a minor “spoiler” and said shortly before the Quiet Time panel he had been writing something to do with Lady Au Pair.

– The season 6 commentary will apparently include Doc admitting a horribly dark secret from his past, and he wouldn’t say more about what it was for the time being.

– When asked if it bothered him– “Nothing bothers me,” he interjected– when people called Dr. Girlfriend “Sheila”, he answered “..That one does bother me” and compared it to people calling him Eric (which apparently even his mom doesn’t do anymore). He prefers to think of Dr. Girlfriend as her default name. (While he wasn’t mentioned, I feel like it’s pretty safe to assume the same goes for the Monarch and being called “Malcolm”– if not moreso, given he doesn’t even call himself by his given name, where she at least does that.) The bad news is I’m really lazy and don’t want to write out Dr. Girlfriend all the time but I guess I’m alternating between that and Dr. Mrs. from now on, outside of select situations. Wehhh.

—– He is apparently also bothered by people calling Dr. Venture “Rusty”, but a lot more people in-universe do that including Rusty himself in public settings, and it’s kind of not the fandom’s fault that when you just talk about “Doc” without really clear context, everyone has to stop and go “…wait, Venture or Hammer?” so… xD; I’ll… make an effort to say Rusty a little less but… Clarity.

– Doc says that Orpheus is the sort of guy who would have had his property heavily insured, so he’s probably not hurting financially or living-situation-wise right now. ALSO, he promises that they’ll figure out a way to get Orpheus to New York eventually.

– Apparently, the biggest reason that Tatiana hasn’t had any lines yet is because they can’t decide who to cast as her voice, and they want to make sure if/when they eventually do it that it’s something they’ll be happy with that will stick. They don’t want to write her one line off-hand and just toss the part to whoever’s available and then run into a thing down the road where they need to use her and the previous VA is no longer available or that voice no longer suits the ideas they’ve gotten for building the character, etc, so they’re holding back on using her until/unless they have a pretty clear vision of what to do with her.

“Hello, I am traveling insurance seller, and we have a stellar offer to you! Do you see that large iceberg at the port? It was brought here several days ago by our brave sailors from cold faraway seas. And there is something inside it. Something we call The Thing In The Ice. Today, I am here to insure your property, health, and loved ones against any damage caused by The Thing In The Ice. We do not know what The Thing In The Ice is. But it’s big. And can probably gobble up a human person just as well as any other monstrosity of that size could do. The Thing In The Ice could destroy our town as we know it! But if you buy these insurances, I promise you that your life will be set back on track as soon as possible if The Thing In The Ice would ever be awakened and do harm to you, your loved ones, your house, the things that own you, or your business. Buy Insurance for The Thing In The Ice now, or face the consequences… Without our extremely good insurance!”

Flare 13

This part is kind of short, but in positive news, Myka and HG eat food together. There is also an extended math metaphor, so: one for my nerds! Speaking of math, a short numerical sidebar: I never know how to feel about the number 13 anymore. I used to have that tiny “it’s unlucky” feeling about it, but then the show came along and it was all special, but then the show became a horrible exercise in “how bad can it get? that bad, really?” and I started having negative thoughts about the number again. Even on, like, the 13th rep of a set at the gym. Is that weird? </sidebar> Meanwhile: amatterofcomplication’s masterpost, part 1, part 2, part 3, part 4, part 5, part 6, part 7, part 8, part 9, part 10, part 11, and part 12.

Flare 13

The morning after the fire, Myka is at the firehouse, dealing with things. She wants to call Pete, but that feels dangerous; she wants to talk to the Chief, but she isn’t in her office, and no one seems to know where she’s gone. So instead, she calls her insurance company, like a normal person would. After several calls back and forth, the reasonably nice woman who’s been assigned to her case informs her that she needs to meet an insurance adjustor in the afternoon, at the place where her house used to be.

She doesn’t want to go. She doesn’t want to see the place where her house used to be, not ever again.

“Do you want company?” Amanda asks. “I’ll get somebody to cover for me. Or I’ll find Pete and make him go with you.”

Myka says, “I think it’s probably best if Pete stays as far away from me as possible, where this fire’s concerned.”

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