Hope you banana benders are OK

I am on high ground, surrounded by low lying roads, so getting to work could be interesting tomorrow, came home early today because my kids had to get evacuated from their vacation care place
 
The flood is about 10km from me so I'm cool. However, work is flooded so I get the rest of the week off. Judging by the footage on the news I'm wondering if I'll be back next week (I work at UQ at St Lucia).
 
I saw the video of that floating restaurant floating away and the manager said it was not covered by flood insurance because it is on the river....
What about the houses that are built along the river line? Are they covered by flood insurance or not?
 
I've got a mate up there who is doing alright but had his car washed away in the floods. In typical insurance industry style he's being told it's not covered by his insurance because it's an "act of God". Keep in mind this is the same insurance who paid out his claim when he had his last car written off by hail (lucky guy, eh?). How are hail and floods any different - if you consider floods to be an AoG then surely hail is too.

I've never had any kind of home/contents/health/etc insurance other than CTP for my cars, and looking at shit like that reaffirms by belief that you're better off just putting your own 'premium' aside regularly and 'insuring' yourself as much as possible. From pretty much everything I've ever seen or heard (with the exception of some travel insurance stories), it seems to me like formal insurance just an expensive version of Lotto with an added clause that drawing all 6 winning numbers voids your ticket.
 
I think with all they money insurace mobs have made over the years the cunts had better come through, but I doubt they will, and it's gotta have dire consequnces if the fucking arseholes don't come to the party, it is just not in the good ole ideaology of a 'fair go' if with their BILLIONS and BILLIONS of dollars profits they fucks don't give back
 
Yeah there'll be a big backlash if they don't pay out for people who assumed they were covered. I assume my house is covered for floods, but that's just common sense to me. Maybe I'm wrong?

My uncle's got a place on the river, but thankfully he's high up.
 
Billy Connolly and Judy Davis starred in a film called The Man Who Sued God a few years ago, about a guy whose boat was smashed by something or other and the insurance company said they didn't cover acts of God, so he, like, sued God for smashing his boat. Not bad. I can't remember many of the details though.
 
That was a pretty cool movie.

His boat was struck by lightning. It worked out that he sued the church, as God's representatives on earth...and the only way the church could win the case was if they could prove God didn't exist or something like that.
 
That movie was a class act.

On the floods news front, some Gov't official got to my parents place outside of Gympie and had a look over the place and had a chat, gave 'em a small cheque to help them out until the insurance mob tells them they can actually do something with the house and shit
 
I don't think many policies in Oz actually cover floods where the water comes in through the doors etc. Was advised by one bloke in the SES once that If I saw water heading for the door, to make sure there's a sheet of roof off, and enough water through the roof to sag the roof...would be technically fraud (?) I think, but the Insurance industry aren't much better.

Our former Contracts manager (good guy) was going head to head with a company who wanted to be indemnified by "Acts of God" in their contract...the battle was great to watch.

First offer, tongue in cheek was to tell them to get God's details, and we'd pay them to hold insurance expressly for acts that could be proven to be God's work (onus on them to prove it), however, once God was proven to have acted, we owned the rights (and the money) for proving he was there.

They told him he was being silly, so he again offered them that if they identified all of the acts that God was likely to do, we'd look at excluding each of those acts from the contract..

They told him that he was being silly again, so he asked them to list ALL of the items that could be covered, then started adding to the list himself...

They dropped it.
 
Better news, now they are in emergency housing fully paid for a minimum of a month, I can't believe they are actually getting looked after a little, I thought it would be another case of someone getting fucked over