[Phantom Lord]

And the problem is?

How long before a government program is set up to help these people pay for their "high risk" insurance policies?

[Bikers4Bush]

I'd agree with most of it except that last one where the city nicked a water line near the womans home. Including that on the record is BS.

[TroutStalker]

I don't see a problem with this. My reason for posting is to let FReepers know about the CLUE database as one more factor to check when purchasing a home.

[isthisnickcool]

How long before a government program is set up to help these people pay for their "high risk" insurance policies?

I had my agent read this thread. He says that that already happens with crop insurance and for individuals for Flood Insurance which is exclusively handled by the Fed. gov't ( you may get paperwork with your insurance companies name on it but it's ALL federally insured) . Federal backing of insurance for terorism will likely be another item that we see in the near future..

[luckystarmom]

My parents filed their first insurance claim in over 40 years for their house when they had some smoke damage from a pot that got left on the stove. The claim was for only $2000.

Their insurance company upped their premium by over $1000 dollars. They couldn't find another insurance carrier until finally they went with AAA to cover their car and house.

This is not fair. My parents have probaly paid a lot of money into that insurance firm over the past 40 years. That insurance company has made lots of money from my parents and others.

[RWG]

There already is for people who live in hurricane, tornado, and flood zones. Taxpayers subsidize beachfront homes and farming operations in areas that should never see permanent construction.

[GovernmentShrinker]

I was just informed by my insurance brokeryesterday, in connection with my pending purchase of a rural Pennsylvania property, that the state of Pennsylvania already has such a program.