I was just being cheeky.
It is interesting though how the determination occurs.
Say if the tree straddles the line equally.
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As I understand it in NC, I insure my house and you insure yours. If that straddling tree hits mine, my homeowners covers it and if it hits yours, your homeowners covers it. That eliminates protracted arguments over who's to blame and gets on with repairs. The insurance companies will have as many go one way as the other, so their aggregate losses are the same either way, but the claims are resolved quickly.
If the tree is clearly on your property but hits my house, nothing is changed. My insurance is the operative one. But, if I've told you in writing at some time in the past that the tree is dangerous, I can transfer that liability to you. But I have to be able to prove the communication and that you received it.
When folks are chintzy with their coverage, like saving a few bucks each year by raising their deductibles, then they howl when some sizable damage is not covered. But they can't have it both ways: low premium and neighbor assuming the risk they should have paid to cover.
We all have to remember that deductibles are the amount that we're willing to assume ourselves when something happens. Whether it's health insurance, auto collision insurance, or homeowners insurance, we need to keep the deductible within the limits of the loss that we can stand.?ÿ
It all makes good sense if you think about it.
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From the images I've seen there will be a grain storage problem in and about the Derecho. Many of the metal bins and loading equipment were empty awaiting this years harvest. Its easier to crush an empty pop can than a full one.?ÿ?ÿ
The areas with crushed bins won't have much grain to store. Corn as flattened as the pix I've seen probably wont come back.
Silage choppers are probably busy, if they can get the corn stalks off the ground.
@bill93Boy I feel for those guys with corn flat on the ground, it is a real pita to try to combine. People think crop insurance will cover it, and it will, but you still have to harvest it to see how much loss you have.?ÿ
One way harvesting only.?ÿ Lots of wasted miles per field.?ÿ Had a milo field that went sideways.?ÿ Running across the rows is quite a joy, let me tell you.
I knew something was up when the scattered rains were coming in from the Northeast.
Those are usually very destructive somewhere.
Yesterday was a whole lot of lightning that stayed for about half a day and dumped lots of water on me with it being several inches deep all across my 2ac for the most of it.
Returned at daybreak today and like yesterday when it went the sun broke out and it was hot.'
The heat warning for today was posted at 3am for a period from 3am till 8pm. At 3am the air was so thick I was getting wet just from being outside on my front porch and under a roof.
Power restored before noon today while I was out and about, a few hours short of 6 days without.
I think we kept the refrigerator cool enough that the food is safe, by running it on the generator for 3 or 4 hours a day.?ÿ Frozen stuff still frozen but getting softer.?ÿ Still had ice cubes. Darn things refrigerators seem to be designed with a small motor to run lots of hours to maintain desired temperature. That's not fuel efficient with a 5 kW generator, but we kept more $ of food than spent on gasoline and got some other benefits from having power as well.
Our electrical utility serves 971,000 customers. As of 15 minutes ago they are reporting 81,000 still out.
We're on a grid that serves 45 customers among 2.5 million that Duke Energy serves in NC - SC. In a disaster like yours, if we have a downed line in the neighborhood, we're gonna be out for 5 - 7 days. If we're good here, but lines down outside the neighborhood, we may be up in a couple of days.
They fix the stuff that gets the most people up first and work their way down. Lord help the last 10,000, the onesies and twosies, in the group that's left. They may be down for weeks.
