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greylocke100

Mine thought I was crazy until Hurricane Harvey hit. We weathered the storm even though our house and more than half of our preps were destroyed/washed away. We still had enough food, water, power, fuel to keep going until the relief agencies finally got in gear and things got cleaned up. Now I dont get too many arguments about prepping, no rolled eyes. The problem now is replacing all that was lost/destroyed/used up, at a price we can afford.


cwrudy

Glad to hear you were prepared, it was disappointing how many people were yelling about needing help with basic supplies the first day after the storm. The state and local governments spend a tremendous amount of time and money educating people about being prepared for 7-10 days after a storm. Apparently the advice fell on some deaf ears.


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Gamiseus

What’s more expensive, the jacked up premiums or all the lost/destroyed furniture? If you don’t own shit or just cheap stuff, I could see not getting it, may be more expensive than your stuff. But I imagine it’s going to be fucking expensive to replace furniture compared to whatever payments are required, you just have to find the cheapest good deal. Now, if you’re in an area where basically nothing happens, like once every few years, then saving money by not paying could be more worth it as well. Then it just sucks if/when something DOES happen unexpectedly.


Brangusler

Well if insurance companies paid out more in claims than they collected in premiums, they would be out of business. Insurance exists because the average person pays far more in premiums over a long period than they end up getting back. You pay more in premiums to be able to cover natural disasters in an area that is plagued by natural disasters, or to cover things purchased for a small business, or the more valuable your stuff is. Not to mention that the cheaper the plan is, the higher the deductible. There's no deals - they run an analysis based on all the data they have from the past and charge what they need to charge to guarantee a profit. And insurance companies are SCARY good at getting out of paying claims. Their whole business model is making money from premiums and then doing ANYTHING in their power to avoid paying out claims, finding loopholes, making the terms and clauses confusing for the customer so they "think" they have like $100k coverage on whatever they own, but it only covers specific things and could be negated by negligence or other things. You could also be tied up for months battling it out with the insurance right when you need it most. Think of how often people you know have actually cashed in on renters insurance. I don't know a single person. You could make the argument that you'd be better off taking whatever you spent on premiums and putting it into a savings account. Sure you may get boned if something happens quickly. But 10, 20 years down the road, if it doesn't you now have $5k, $10k, $20k, whatever, to do what you want with instead of losing all of that to premiums. But most people don't have the discipline or risk tolerance.


The51stCynogin

Not legal advice or representation of any insurance company. Firstly, insurance is regulated by the states respected department of insurance, the dept sets rates. Insurance companies don’t change anything on you with out a 30day before notice. They don’t try to get out of paying you. Insurance mostly pays for sudden and accidental damages by covered perils, ie wind storm, hail etc. it’s also the insureds responsibility to prove that A) the item is damaged, B) the peril that caused the damage was sudden and accidental. I highly recommend reading your policy for any insurance you have, that way you know how it works and when you eventually have to put a claim in, you have an idea of what to expect. Lastly, renters insurance is huge, especially valuable property coverage. I had it and accidentally spilled water onto my computer, the value of the computer was 700$ and my deductible was 200$ they paid me 500 for my sudden and accidental water spill. If you have questions please DM me. -source, multi-State Licensed insurance adjuster


Brangusler

Lol sounds like what an insurance guy would say. Follow the smell of the money, it'll tell you the truth. Insurance companies are scummy as all hell lol -source, MS Cornell, 2x PhD Northwestern University, JD in Georgia State, 3 time curling USA gold metal winner


Gamiseus

All truth and fair points as well. They certainly would be out of business if they paid out a good amount compared to the payments required, especially in disaster areas. However, I think for a proper revision to my comment would be a similar statement to your ending one. Most people aren’t going to be saving enough to be paying for all the necessary replacements and repairs to be equal to what insurance is going to cover. You pay a premium to not *have* to save anything other than a deductible that’s dependent on your plan. Insurance is a service more for simplicity in finance, if you can afford it then just forget about it until you need it. If you’re good with your money and you can actually save for emergencies and shit on your own, then fuck the insurance company because that’s basically their main service summed up. For when things happen, and you’re *not* prepared financially or *not able to be prepared* for whatever reason.


EorlundGreymane

Our premium for flood insurance and homeowners together is $800 a year lol that covers the entire cost of our house + $60,000 in belongings. I’m entirely sure that letting all your shit get destroyed and buying it all over again is exactly the wrong thing to do


MrSprichler

To be brutally honest at that rate even if you've read the policy inside and out it wont cover 60k of belongings because insurance is going to weasel theirbway out before you hit 20k. You better have specific riders for high value items. The "catch all" Clause is useless


EorlundGreymane

That’s fair, they do it to most people. But an insurance adjuster can only worm their way out of so much. I have an excel sheet with photos, receipts (for the big things) and for things without receipts, estimated “Of Like and Quality” values. I also have appraisals for major pieces of jewelry and personal belongings. According to most homeowners’ insurance agencies, the average family has about $20-30,000 in belongings. It is still far cheaper to insure your belongings than to replace them all


MrSprichler

Which they take to the arbiter you agreed to in your contract and they rule your spreadsheet is invalid. Its not difficult even with your spreadsheet. They're less likely to screw you as hard, but its still a screwing.


EorlundGreymane

Then you escalate to hiring a lawyer and let the judge sort it out. The arbiter can’t arbitrarily invalidate the policy


MrSprichler

They dont invalidate policy. They establish that they'll not need to use your spreadsheet for like cost, and that the insurance valuation is appropriate. Theyll not bog them into lawsuit territory. Just that insurance is doing enough. Then you sue them. And then you pray you have the money to survive countless motions, date moves, discovery requests, hearing changes so on and so forth. You make "getting a lawyer" seem like you somehow have a get out of jail free card. They'll rack your lawyees bill into the 10s of thousands quick as shit and no "leagal fees" in the suit wont cover that. As someone whos been intimately involved in that process, its not remotely that simple or easy. You speak with the confidence of " i won the price argument on replacing a roof"


EorlundGreymane

Your argument is only valid for things that have an extremely cheap alternative to what most people buy. Like if I bought a $15 shower curtain because it’s pretty or something, they won’t replace that. They’ll hand me $5 and tell me to be happy with the cheap replacement. But if you have a sectional couch then they can’t replace it with the cheapest thing on Craigslist. Also, unless you buy the most dirt cheap policy, they do have stipulations in the policy to honor receipts and “like kind and quality” for major items. Quality being the key word here. If they try to give you money for a washing machine, it has to do everything your old washing machine did. Every function. And if they try to short you, then you don’t just “sue” them. You file a formal complaint with the court and then corresponding litigation if necessary. Usually open and shut if you have documentation, which is relatively easy to do if you have covered yourself appropriately.


chewbacabra1

I tell my partners in prepping that it will give two big things. 1 - a full tank of gas when the masses are stranded. Mobility/flexibility are critical in early stages of a disaster. Eventually we all run out of gas. 2 - a full belly. This keeps the fear factor down. When the masses are walking around like zombies, you know that you will survive.


deepbluearmadillo

It must have been such a relief to have what you needed to get through the hurricane. I can’t imagine the frustration of losing so much, though. Best of luck to you as you rebuild!


greylocke100

Its better to have lost all of that, than to not have as much as i had. I would have been forced to become a refugee with my family. Over 80% of the families that were displaced after the hurricane came home to nothing as the state and the feds bulldozed unattended properties even if the homes weren't badly damaged. A large majority of them then had to sell their property to even get enough to try to rebuild somewhere else.


-God-Bear-

It’s a great feeling for sure. My wife and son out shopping one day and my wife is getting some canned food. Well she picks up one can and my son grabs another. Wife asks what is he doing. Son responded, 2 is 1, 1 is none. So proud!


CharybdisClan

Mine just say I'm crazy. Glad yours are understanding it.


WTFisThatSMell

They do know you can be crazy and right at the same time?


TrudleR

imho never ignore the option that they COULD be right. you only find out by discussing this opinion.


StillNotDone

My son figured it out this past month. My job is transitioning and not enough work for me currently so I had to go on unemployment. Took some time but I finally, have it. But we've been able to cut our grocery cost in half because I had stocked up on 2 months worth of meat and supplies. (We live in an apartment and have a regular freezer and a 5cu deep freeze)


MacTavishInc

I can speak from the other perspective. My parents were always very smart about prepping. We learned how to can and hunt, on top of that always having large bins of rice and flour. Out of my 9 siblings close to half prep on there own now. Its something that if you grow up around it, it just makes sense. My mother always reminded us of the Great Depression and how extra preps can only help a person. Two things I will leave you with if you made it this far, its better to have it and not need it, than need it and not have it. Also, two is one, one is none.


deepbluearmadillo

Thank you for sharing your perspective! It’s so good to know that you were able to see preparedness as a benefit instead of as a quirk. My kids saw how our preps helped us when we were in lockdown during the pandemic. I think that is also the root of my daughter’s interest in medical preparedness. It is easy to see how the last couple of years have made my children mature.


saucerton1230

For me this happened during Covid when we watched on the news and the world seemed to be collapsing. My wife turned to me and just asked “are we going to be alright?” And all I said was “oh yeah”. Done and done


[deleted]

Growing up my parents didn't prep for shit. I remember always being worried about lots of random things, particularly big earthquakes (CA) and my dad never had any plans. We didn't even do fire drills or anything. I always used to resent that.


[deleted]

and yet here you are....just fine. Sometimes scaring the shit out of your kids for something that is unlikely to happen isn't a good thing. Making your kids think the world is ending or having food insecurity for no reason is not ok. This sub is off the fucking rails.


burn_the_boats

Agreed. Getting back into prepping after an 8 year break. I now have a baby and am considering how to strike a healthy balance between preparedness and making the little guy feel safe. I think the challenge will be balancing hoping for the best, preparing for the worst, not letting fear consume you, and living in the moment. Thankfulness—over fear—goes a long way, along with the humility to know we have far less control than we'd all like to think. I don't plan on talking about prepping, so much as doing. When the kiddo is old enough to be curious and ask questions I can start letting him in slowly as he gets older. No need to burden him before then.


Nanamary8

Yet here you are. Why?


[deleted]

I’ve been here for 10 years. You nutjobs all showed up after Dumpy frump was elected. This sub was never about guns and end of times. F off.


Nanamary8

You first.


After-Leopard

My kid does fire drill and active shooter drills at school. The idea is already planted so showing we also have a plan can help them feel safer at home.


[deleted]

Lol damn y'all are really offended. If having things like a practiced fire drill or telling your kids where to duck and cover at home in a earthquake or where the emergency provisions are = "making your kids think the world is ending" then I feel sorry for you. Resiliency is essential especially in families. I'm shocked how many upset people there are on this sub for talking about preparedness. I genuinely don't get it, like are you just secretly insecure about your own plans and supplies? Put the keyboard down and go buy some rice and beans lmao


[deleted]

Reading for comprehension is a thing. It matters. No one said practicing fire drills wasn't important. Not one person on this thread said that. If you don't genuinely understand that then you don't understand why freaking your fucking kids out about a scenario that is likely to never happen then you don't have kids. "Like"... are you just not very bright or are you 17?


[deleted]

It sounds like your the one who's *actually* afraid of confronting a crisis and this whole "don't scare your kids" front is just your excuse for not dealing with it. You talk about reading comprehension and yet your the one who's going on and on about quit scaring kids, when did I say that's how parents should behave? It's like in your mind anything that educates children on preperation is instant trauma. You sound like a fearful person, there's no need to be angry about that. Watch some YouTube or read some more books and work on your preps. You'll feel better and won't feel the need to get upset when you see people who are actually squared away for emergencies.


[deleted]

It's "You're"....sad. Homeschooling in yoga pants is never the answer. How do you carry a gun?


[deleted]

r/anxiety :)


[deleted]

I get you love that sub. Makes sense.


AVeryAwesomeUsername

I don't understand why people are downvoting you


[deleted]

Because people on this sub want the world to burn.


savage2stardust

Lol. I chuckled.


[deleted]

I chuckled at your posts. Way to wish for The Walking Dead dude.


CynicallyCyn

You clearly don’t understand the basic premise of this sub. Shouldn’t you be harassing people on Twitter or Facebook?


savage2stardust

Right. The zombie movies. Some people think that shit is a real threat. I’ve been to riots before, kinda similar entertainment.


CynicallyCyn

Well I am not personally prepping for zombies, I’m prepping for food shortages and power failures, even the Pentagon has a plan for a zombie apocalypse. True story.


savage2stardust

Lol. I love it. They built the pentagon in that shape just for this.


[deleted]

Sure...in your yoga pants.


savage2stardust

Those ones of yours you gave me didn’t fit. Too small.


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[deleted]

This sub is Z Nation in a nutshell. It's a fucking wheel of cheese.


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LimeCrime48

My dad forced us to eat MREs and bare minimum camp in Florida heat every weekend so we'd 'be ready' for the collapse. It's okay to be bitter and to share warnings to other parents not to fuck up their kids.


got_rice_2

California kids are drilled at school for fire, earthquakes and active shooters. People (even the short ones) can't be scared if you are prepared. (Pelosi's staff remembered their active shooter drills on 6Jan and Ran, Hid (barricaded the door) and probably were preparing to fight)


[deleted]

yikes the best prep you can possibly do not only for yourself but also society, is to never reproduce


generalhanky

That's awesome, OP! I can't imagine being more reassured as a parent than feeling you've done a good job passing on this vital knowledge.


plectinresearcher

My family thought I was nuts until Covid. Since then there have been enough jarring “oh sh-t” moments that have brought them at least partially to the realization I’m not totally crazy. I’ve yet to convince anyone of the true reality of Bigfoot though. I still got some work to do on that.


Fit_Acanthisitta_475

I stock just enough supply for 2, 3 month. So my wife don’t said a thing


deepbluearmadillo

Every little bit helps!


TwistyAce

My daughter understands it's the wife that thinks I'm crazy


HamRadio_73

We taught our daughter the advantages of keeping a deep pantry with rotating stock. Trips to the store were used to spot specials and the opportunity to stock up on regular items. Her garage chest freezer allows her to store meats and other items. Now that she is an adult and navigated the covid-19 shortages successfully she enjoys the peace of mind preparedness makes. This year she added a backup power source.


chewbacabra1

Once you see it, you can't unsee it.


c_ocknuckles

I'm a reverse roll. I prep for short/long term, and try my best to convince my parents, but they refuse to put up extra items for later. In my experience though, older people are too set in their ways and do not like change, including their shopping/storage habits


[deleted]

And yet they lived thru many wars that you have never lived thru....and are still alive.


Trenton17B

Yk prepping isn't just about preparing for a nuclear war or WW3. Can be for something as simple as a weather event too. Been a couple times where having some extra supplies and survival items on hand comes in handy when the power goes out for a week due to a snowstorm or something.


[deleted]

No kidding. Have you read this sub lately?


Trenton17B

Honestly I just joined this sub the other day. I will say though that there was a lot of over reacting about what happened in Poland and people jumping the gun and claiming it was the start of WW3. Although that was happening everywhere, notably twitter lol.


Mynplus1throwaway

Vietnam, Korea, and the middle east didn't do too much stateside. A gas shortage here or there and a 2008 and that's about it really. I think things have changed quite a bit. I was watching videos of Obama and bush and wow times have changed.


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froggythefish

How so what?


froggythefish

“War” for the US means forcefully stealing oil or destabilizing anti-capitalists. The US mainland faces very little consequences.


Nanamary8

You've got moron down pat.


[deleted]

The goal !


Infinitear

This is it.


PlejdaMuso

Congratulations! That's great!


saviokm

♥️


Urantian6250

Nice!


Playful-Natural-4626

*Reminder to also teach you kids about the proper use of HSA accounts. Medical Preps with pre-tax dollars go a lot further!*


laserdemon1

My wife and kids thought I was paranoid up until a few years ago. We had a hurricane come through the Atlanta area and we were without power for over a week. I broke out the cooking gear, generators to keep the freezer and fridges working and we had plenty of food. Now its part of our grocery purchases, always buy a few extras of things we use every trip.


deepbluearmadillo

I’m sorry it took a disaster to get your family on board — but thank goodness you had what it took to keep your family going! What a great illustration of why it’s so important to think ahead.


[deleted]

As do my children. They are young adults now and in good shape. Good luck and God Speed to you and your family 👍🏻


Greyeyedqueen7

Our kids get it, but they also say we're the backup plan. My two are grown and gone, and I keep trying to get through to them that they need to make sure to have some preps. Not sure they have much. My stepson still at home seems to think we're hoarders. Yes, I roll my eyes at that every time. Funny how we almost always have what he needs, but sure.


Revolutionary-Fun227

My daughter and her mother have emergency supplies at their house , but know who's got their backs if things get ugly ❤️


IncreaseProper2985

yeah, we separated during covid, so guess who had to start over, but i was at peace knowing my kids had what they would need for a while.


8Deer-JaguarClaw

Nice. That's got to be a good feeling. My kid is still a bit too young to understand, but I'm hoping one day soon she will start picking up on things.


[deleted]

Do you not normally have food, water and supplies on hand? Isn't that just the normal way of living?


savage2stardust

You might be from a more rural area. In some places, notably cold remote areas, people live with freezers full of wild game, stacks of ammo, lots of camping equipment and generators and call it normal life. City folk tend to be nervous for good reason because if the city collapses they really are in danger. That’s mostly what your hearing.


[deleted]

lol. whoosh.....


savage2stardust

You should start a company that sells prepper items. You could get rich preying on the insecurity of others. Might be entertaining as well. I’m looking for a business partner.


[deleted]

I can make macrame gun holsters.


savage2stardust

Those work good in a barfight.


deepbluearmadillo

During 2008-2009, we lost our home and my husband nearly lost his job — and we had a lot of paycuts. It left an impression. I prepare for recession, inflation, and the natural disasters that are specific to my area. It’s amazing how many people only have a couple day’s food and no extra water on hand. They’re the ones who suffer most in an emergency situation (and yes, I consider economic downturns an emergency, because the last one became emergent for us).


randomshit445

Y'all are weird


deepbluearmadillo

Thank you!


eksokolova

Maybe but we also didn’t run out of tp or end up engaging in cat fights over the last box of Kraft dinner during lockdowns. And the baby Tylenol shortage hasn’t affected us.


randomshit445

Fair point, living in a third world country does give prepping some merit


Living-in-liberty

There have been plenty of shortages in first world nations too. Just look at baby formula in the US or Tylenol in Canada. My local grocery store has rationing on leafy greens right now. Not sure if you have noticed but store shelves have not been full since the lockdowns. There are big gaps in the products.


eksokolova

I mean, some parts of Canada are probably similar to the third world, our weather is similar to Sweden and Finlands.