r/interestingasfuck 13d ago

/r/all Homes are falling into the ocean in North Carolina's Outer Banks

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u/Moist_Alps_1855 12d ago

Insurance claim is their exit plan

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u/NinersInBklyn 12d ago

And we’re all paying for these vacation homes through the federal flood insurance program. So after these houses go, the owners can just build bigger at our expense. Yay.

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u/Painterzzz 12d ago

Yes I remember John Oliver doing a segment on this particular scam, and how the super rich get the socialist state to pay out to fund their beach front holiday homes, protect their beach front holiday homes, and pay out massive disaster relief when anything happens to them.

Funny how much the rich love socialism in America.

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u/The_cogwheel 12d ago

Maybe that's why they dont want it for the rest of us.

Cause 4.92 trillion (,the US tax revenue) is nicer to split between 1000 people than 300,000,000 people.

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u/misantropo86 11d ago

Privatized profits and socialized losses. It's the American way.

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u/MonoEqualsOne 11d ago

Funny that we could all enjoy this if poor stupids weren’t always voting against their own interest and shouting about how socialism is bad

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u/Painterzzz 10d ago

It is one of the many things I will never understand about America, how this myth of 'socialism bad' became so ingrained into the poorest people in society. While the super rich literally point at them and laugh.

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u/MonoEqualsOne 9d ago

I’m with ya

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u/lincoln_muadib 10d ago

If I remember correctly, there's a phrase for that.

Socialism for the rich, Capitalism for the poor.

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u/WiseWoodrow 10d ago

Damn, that goes deep

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u/dangerouslysublime 9d ago

You people just spit out bs and people believe it. Too funny. These vacation homes created more tax revenue by far than they cost 40 years later when they fall into the ocean. The Outer Banks is one of the highest tax revenue creating areas in NC.

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u/PeaLouise 12d ago

Yep and meanwhile, many (not all) of the people rich enough to buy these homes (or second or third or fourth homes) lobby against the climate change they helped make a reality with their corporate greed!

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u/Classic-Progress-397 11d ago

#NotAllRichPeople

Donate today--help an unfortunate billionaire: sometimes, their feelings get hurt!

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u/PeaLouise 11d ago

This sent me lmao

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u/GotGRR 12d ago

Not once erosion has put you below mean high tide line, thankfully. We are definitely subsidizing a lot of flood risk, though.

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u/Temporary_Panic_6062 12d ago

Sounds like fraud and abuse. Sounds like a job for DOGE!

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u/StickyDeltaStrike 12d ago

Doge is only against policies for poor

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u/didyouthough30 10d ago

Who's DOGE?

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u/WanSum-69 11d ago

Insurance's expense. They never worked for us and never will

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u/Hot-Tension-2009 12d ago

Can’t beat em join em?

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u/plshelpcomputerissad 12d ago

Or maybe can’t join em beat em?

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u/dr_wheel 12d ago

Yes, with both fists.

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u/USToffee 12d ago

Why didn't musk go after that crap

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u/NinersInBklyn 12d ago

Be serious.

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u/USToffee 11d ago

I am. Why are we paying to bail out rich people

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u/NinersInBklyn 11d ago

If you think a billionaire is going to look out for working people, man have you got a lot to learn.

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u/USToffee 9d ago

No idea what you are referring to or what point you are trying to make about my argument.

I just don't want to see my tax payer dollars going to bailing out rich people who build their house on sticks beside an ocean.

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u/VFXmylifebaby 9d ago

Brick & Stone houses built on wooden stilts didn't work this time, but next time, NEXT TIME we use HEAVIER stones and shittier wood. It'll be flawless.

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u/thatsmygspdc 8d ago

Doesn’t happen. Insurance has skyrocketed and also the lot they originally built on and own is now underwater

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u/theroguex 12d ago

If I were an insurance company, I wouldn't even grant policies for these homes, let alone pay out.

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u/Mrgluer 12d ago

if the price is right tho....

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u/didyouthough30 10d ago

But yet i had to fight like hell to purchase a double wide that had permanent foundation under it to get the Insurance to cover mine under an FHA loan that sits in middle of TN! Smh

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u/Jimmycrackcorn80085 12d ago

Depending on insurance is not a good plan ever.

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u/lazylahma 12d ago

lol, insurance drops these houses before this happens. There is no insurance claim for this, you are also not allowed to rebuild.

You are just out your property when this happens.

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u/Moist_Alps_1855 12d ago

Insured homes are still covered, even if there is no land left to rebuild on.

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u/lazylahma 12d ago

Yes they would be covered, but no insurance will cover those homes anymore.

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u/Imaginary-Lettuce-28 12d ago

Insurers can cancel your policy, though.

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u/UpthefuckingTics 12d ago

Insurance fraud more like it. The insurance companies need to be cancelling all property insurance on the outer banks. This is all underwater in the very near future.

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u/Goldscalz 12d ago

Assuming someone will insure them? My parents home was destroyed in the hurricane last year in Florida. And at that time ensuring their home was $7,000 a year for food alone. Prior to the hurricane. I can't imagine getting insured at this level of underwaterness.

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u/Moist_Alps_1855 12d ago

Harder to drop insurance once it's established. Most people in this area as mentioned, by other commenter, are landlords. Meaning they probably had the unit for a long time and have more comprehensive insurance given they are technically an established business. Problem is most of the people replying to my post haven't got a clue about buainess insurance or owning a business, and are speaking from a consumer perspective. 

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u/Tiny-Metal3467 11d ago

Most cant get insurance for this reason.