Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hey, buddy, how you doing today. You're feeling good, You're
feeling You're feeling right. Is it Saturday night? I'm feeling good.
I'm feeling right.
Speaker 2 (00:06):
You know.
Speaker 3 (00:06):
I feel like maybe it's the weather, but the doldrums,
the doldrums of January are starting to the wind is
starting to pick up. It's hitting my sales. You know
what I feel like doing. Maybe it's because of yesterday's show.
I think I'm going to go for a run sometime
this weekend. I think I'm gonna do it. So if
you see somebody laying by the side of a nature
trail and it's jorts, just laying there, huffing and puffing,
(00:29):
just let leaving be okay, give them a moment unless
I need medical attention. But at that point, do not resuscitate.
Speaker 1 (00:35):
Okay.
Speaker 3 (00:36):
If I can't make it on a nature trail, run Okay,
that's what we've determined on today's radio show. Do not
resuscitate me. Let me go. No, no, I don't know.
If anybody roll me back into the woods, that's what
you should do. Take your boot and just give me
a good stiff roll back into the woods. You're gonna
be fine. Back from whence I came, You're going.
Speaker 1 (00:55):
To be fine. I think there's no doubt that if
there was a person, a fine person in this area
who found a huffing and puffing jorts wearing person who
obviously couldn't handle their own run, I feel like they
would probably help you out.
Speaker 3 (01:12):
I do run in jorts, Okay, So anybody who thinks
this is a bit, no, you don't, and I have been.
I have been to the gym in jorts.
Speaker 1 (01:18):
Is that right?
Speaker 4 (01:19):
That's right?
Speaker 3 (01:20):
But when you go to the gym and jorts, it's
a James that is no longer a gym.
Speaker 1 (01:25):
I'm just wondering if that was actually true, if they
would escort you.
Speaker 3 (01:29):
Out, I I would not lie on this radio station.
I have literally gone to the gym and done my
whole workout in a pair of jorts.
Speaker 1 (01:37):
How long ago is this? Was this in the nineties? No,
this would have been like twenty fourteen. Seriously, yeah, probably
around then. Might have even been in Grand Island, Nebraska
around then.
Speaker 3 (01:48):
You want to think I'm the only guy in a
pair of jorts at a gym and Grand Island, Nebraska, Yes, No, yes,
at least a dozen No, there was it's a Lisa
Baker's doesn't you're making stuff up? We're all and cut
off tease listening in Grand Island. He doesn't mean this.
Speaker 1 (02:02):
I got angry messages yesterday from people who thought you
were insulting people, and I'm just like, he's not insulting people.
It's just his tone. WHA What did I say? I
don't know that everybody at Grand Island is wearing cut
off shorts or shirts and jorts something that no one
is wearing. I guarantee you no one is wearing in
Grand Island, Nebraska. Come on, you got emails? Oh? I
(02:27):
don't even want to tell you what people were saying
about you?
Speaker 4 (02:29):
Really?
Speaker 1 (02:29):
WHOA? What are you hiding from me? I didn't know this.
This is why I don't tell you, because I don't
want I don't want you to be like, oh now,
I'm definitely going to wear my georts to work because
that's the last thing we need.
Speaker 3 (02:39):
You're hiding these from me. I need to know. I
want to know who I upset so I can do
it more exactly. That's why I'm not telling you.
Speaker 1 (02:45):
Man. That's not fair. Eh, it's not is it? The
super thing? No? That that didn't help I did get
multiple emails about the Superhu thing.
Speaker 3 (02:54):
You have to admit I was onto something.
Speaker 1 (02:57):
No, you're not onto something. No, no, oh we like
people who drives you baros, it's a fine car. Yeah yeah.
It was ridiculous in your liberalness and whatever. Anyway, so
it's Friday, there's stuff going on in the news. We're
gonna touch on this because you know, whatever the Uh
(03:18):
there's a lot of stuff with this FEMA thing today
and uh we're waiting to see Donald Trump land in
California and uh, I don't know, FEMA. What do you
think about the states just getting to control all that aid?
Is that what we would you?
Speaker 4 (03:33):
Uh?
Speaker 1 (03:34):
You know, not that Nebraska needs a whole lot of
disaster aid, right, sometimes we do, but nothing like what
Helene created for North Carolina or what these wildfires are
doing for California. Right. Is there too many things, too
many steps in the process. There's too many things that
you know, are creating a bigger issue. You know, we
talked about this just a little bit and I got
(03:55):
to thinking more about it, and it's like, you know,
if the money that was going into FEMA went away,
but instead we shared it equally amongst the seven, you know,
like the fifty states. What if we did that, you
think that would be a good use of our funding
a little bit better that the state gets the chance
to manage that money specifically as long as we well.
(04:20):
And then it goes to like how much more money
should you be paying if you live in Florida knowing
that you're likely going to need hurricane relief? Right you
live there? You know what's happening? Is there like a
hurricane tax that now has to go to the state
if we do it this way, And if that's the case,
then that should be less of a federal tax on us,
right because I mean, we don't exactly have tornado insurance,
do we?
Speaker 3 (04:39):
Well, yeah, I don't. Is that even a thing? Tornado insurance?
Speaker 1 (04:43):
Yeah? I know, there's flood insurance.
Speaker 3 (04:44):
Look, if somebody's gonna buy it, there's somebody out there
who will sell you insurance for it.
Speaker 1 (04:48):
That's true. I wonder if I can just look that up.
Is there tornado insurance? Mostly tornado damage is just homeowner's
insurance issue. It depends on your on your package. I
suppose maybe let's open the phones. Maybe somebody can help
us with this. You know, is there do you have
(05:11):
tornado insurance? Have you been affected by a tornado? And
how was that insurance process? Call us four h two
five five eight eleven ten, four row two five five
eight eleven ten, and we'd love to talk to you
about that. It's also it's a Friday open phone line Friday.
Let's just go ahead and do that too, because if
there's anything on your mind on the first full week
of Donald Trump being president of the United States, it
(05:31):
might be you know, interesting for us to talk about it.
So why don't we go ahead and do that. You
can again call us at any point with your thoughts
at four h two five five eight eleven ten. How
would you feel if judge of if there was a
natural disaster insurance or FEMA, if that just became kind
of a States thing. I would love to hear from
you on that, and we'll talk to you next on
(05:51):
news Radio eleven ten kfab and RaSE songer. What does
that look like for Nebraska or Iowa? You know, like
flooding obviously is a thing that you have to worry
about if you're in like a floodplaine, but also tornadoes
that's kind of like the other thing, right, maybe blizzards
is there such a thing as like a state emergency
for a blizzard? I don't know. I guess tornadoes would
(06:15):
be the one that I would think about the most.
So I was asking about how that works with your insurance,
and we got Trish on the line. Four two five
five eight eleven ten. Four two five five eight eleven ten.
What's up, Trich, Hey.
Speaker 5 (06:25):
Emory, nice to talk to you today. I just was
going to say that we were hit in April twenty
sixth by the tornado, and that was just regular insurance,
and you know, I'm glad it was because I wouldn't
have had anything extra.
Speaker 1 (06:41):
So yeah, so that's just a part of the homeowner's policy.
You didn't have to have anything extra or an appendage
to your homeowners.
Speaker 5 (06:48):
To cover that, right, Yeah, it was just in the
regular policy. So because of what happened, and after we
found out a lot of different particulars that we weren't
explained correctly, we had to learn the hard way, and
we didn't have some coverage that we needed, you know,
(07:10):
But that's just the way that game goes with the
insurance companies.
Speaker 1 (07:14):
So can I ask how much damage that you suffered
on that day?
Speaker 5 (07:19):
So we had about two hundred and fifty thousand dollars
worth of damage, and that was basically just structure. And
so we live a mile south of Crescent and we
have some land because we live on an acreage. Nothing
(07:42):
covered all the tree damage. So that stuff that we've
had to try to figure out on our own and
try to get people to help because it's just a massive,
a massive undertaking. And it was like, it's just like
what they say. I've a lot of people say it,
even with the fires. It's the only way you can
(08:04):
explain it is it looks like a bomb went off.
Speaker 1 (08:07):
It's so unbelievable. Well, I'm glad that you're okay, Trish.
I'm sorry to hear about the damage, but thanks for
calling in and telling us and helping us understand this
a little bit better today.
Speaker 5 (08:16):
Sure, And Emory, can I just say that I do
think that having FEMA maybe gotten rid of and maybe
the states taking care of things, that might be a
better idea. I think it's worth looking into because I
feel really bad for the people in the North Carolina
area and all that that happened to them, because that.
Speaker 4 (08:36):
Was just terrific.
Speaker 1 (08:38):
Yeah. Yeah, and that's the other thing too, and I
appreciate the call, Trish, thanks for being on the show.
I wonder if there's, like I wonder, in that scenario,
the only thing would be our states who are more
susceptible to stuff like this happening, say Californian wildfires. We
know there to be over you know, on average, you know,
something like nine thousand wildfires a year. This year obviously
(09:01):
has just been way more destructive than some others in
the past, But they should pay more into their state
for that protection, right. The same thing for Florida and hurricanes,
even though they seem to have a better handle on
something like that, and North Carolina potentially as well, even
if western North Carolina isn't usually seeing hurricane damage, that
(09:21):
obviously would need to be covered based on how many
people just were set up for, you know, a tragic
situation at that point, you would think that that'd be
more than what we would need to pay in Nebraska
and Iowa if it's a state related thing into that fund.
Because I just wonder how much money on an average
(09:42):
basis we actually need on a you know, for a
state of emergency based on natural disasters. Gina's on a
phone line of four h two, five, five, eight to
eleven ten. Hello, Gina, what's on your mind today?
Speaker 4 (09:54):
We were victims of the Arbor Day tornado.
Speaker 1 (09:57):
Oh okay, so how did that work work? How much
damage did you have?
Speaker 4 (10:02):
We lost absolutely everything, house, barn, vehicles, brand new camp
or motorcycle, everything.
Speaker 1 (10:09):
Oh my gosh, I'm so sorry to hear that, Gina.
How look okay? So like obviously in the moment, you're
not concerned about you know, you're trying to be safe, right,
and it was everyone safe in your family.
Speaker 4 (10:21):
Yes, my husband was in the house when it hit,
but thankfully he escaped with minor injuries. I just wanted
to provide some input in reference to FEMA. Yeah, our
our homeowner's insurance covered quite a bit, but you're never
made completely whole, even with homeowners. FEMA responded within a
(10:45):
few days, but we were led to believe we would
get FEMA funds, but that's really not the case. The
only thing we could possibly get from FEMA is a
two thousand dollars to cover our landscaping. We had just
put in ten thousand dollars worth of landscaping the fall
(11:06):
before the tornado. But I don't think we're going to
get any money for that.
Speaker 1 (11:11):
So have they told you kind of how that's supposed
to operate, and did it like this would obviously have
been before these hurricanes and everything like that. How does
FEMA operate if they're called in to help, Well, we had.
Speaker 4 (11:24):
To go through the process of meeting with them at
a designated location and everything, and downloading their app and
uploading a bunch of documents, and to be honest, I
haven't done all that yet because I've been dealing with insurance.
But it doesn't sound like we're going to get anything
from FEMA.
Speaker 1 (11:41):
That's I'm so sorry to hear all of that. Gina
is just absolutely tragic, But I'm really happy that you
guys are safe. And if there's any information as that
kind of if there's more developments on that, please feel
free to call us and help us explain or help
us learn about that, because it's certainly something that I've
never had to personally deal with. So I appreciate you
calling in and sharing your experience with that today.
Speaker 4 (12:04):
Thank you.
Speaker 1 (12:05):
Let's go to Chuck on a phone line four O
two five five eight to eleven ten. Hello, Chuck, what's
going on with you today?
Speaker 4 (12:11):
Hi?
Speaker 6 (12:11):
There, I was an underwriter for about fifteen years, and
I thought i'd give that this perspective on it. There
is somewhat of the more at risk people pay more
already in the private insurance a field. My expertise was
in center pivot irrigations. We covered flooding, we covered fire,
we covered high wind tornadoes. Those are all covered expenses,
(12:35):
and they cost of the insurance was based on the
amount of risk in that area.
Speaker 1 (12:40):
Interesting, So they're already theoretically through insurance, paying more money
yet and so to cover themselves in certain spots they
are paying for that just kind of upfront. That's not
a government thing, that's a that's an insurance.
Speaker 6 (12:54):
Thing right right exactly, and it's you know, it's based
on the amount of risk based on historical evidence of
what has happened in those areas in the past. And
it can vary from state to state, it can vary
from county to county even interesting, and I think that
also holds true for like people in Florida trying to
get hurricane or flood insurance. You can get it, but
it's just incredibly expensive because the risk is so high
(13:18):
for a catastrophic failure or a catastrophic damages that you've
got to be able to cover that risk with your premium.
So there you go. Yeah, well a bit of it
has already covered. Now when you're talking about you know,
natural disasters that go beyond private property and so forth,
then yeah, I think there's got to be a role
for something alike like FEMA or something along those lines
(13:38):
in addition to but a lot of people are covering
their own private property their own insurance.
Speaker 1 (13:44):
Interesting. Well, check, that's good insight. Thanks for letting us
know that today.
Speaker 6 (13:47):
You're welcome.
Speaker 1 (13:47):
All right, Well, before we hit the break, let's go
to Mike. Mike is on a phone line of four
h two, five, five, eight to eleven ten. Mike, what's
on your mind about this today?
Speaker 7 (13:56):
Well, I was an inspector for FEMA after Hurricane read
Down in a little part of Texas, uh called Lumberton,
right outside of Port Arthur, Okay, and uh, FEMA is
not there to make you whole. They're only there to
make sure that you're safe, sanitary.
Speaker 6 (14:13):
And secure.
Speaker 7 (14:14):
Interesting, it's a it's a temporary quick fix, and your
insurance is supposed to cover everything else.
Speaker 1 (14:21):
So how like your laws? So when you hear what
Donald Trump's talking about with FEMA in that process and
it needing either reform or to you know, just kind
of be eradicated in states, have you know more of
those resources? Uh, how do you feel about that?
Speaker 7 (14:36):
Well, it's got to get paid for by somebody, so
you know, like for the infrastructure, for the roads and
the the electrical utilities, all the utilities that were destroyed. Uh,
that's got to get paid somehow. And you know, if
the federal government decides to give block ramps, then you know,
I'd rather they do that than send it to Ukraine.
Speaker 5 (14:56):
Uh.
Speaker 1 (14:56):
Yeah, I mean that when you put it like that,
it makes an awful lot more sense, doesn't it.
Speaker 4 (14:59):
Mike.
Speaker 1 (15:00):
I appreciate you calling in. That's very interesting perspective, and
thanks for listening to us today. All right, let's go
ahead and take a break. When we come back, we
will take more of your calls. If you got some
thoughts on this, whether you've dealt with FEMA, whether you've
had insurance help you out with natural disasters here in
Nebraska and in Iowa, across the board, if you have
(15:20):
anything on your mind, we're here for you. Four oh
two five five eight eleven ten four h two five
five eight eleven ten. We got more on the way
coming on news radio eleven ten KFAB And what's the
bigger point here and how would that kind of affect
how we get aid in Nebraska and Iowa if that's
a thing. And that's why I'm asking if you had
some storm damage or you were affected by the tornado
or a big natural disaster of flooding here in the
(15:41):
last year or so, and it would be fresh how
all of this stuff works with insurance and potentially FEMA
and all that stuff. And we're getting phone calls today.
Four h two, five to five at eleven ten is
that number. And we'll start with Greg on the phone line. Greg,
welcome to our show today. What's going on?
Speaker 8 (15:57):
Thank you? Hey. I don't think it's the federal government's
responsibility to pay right down to the penny whatever you
lost in the natural disaster. I mean, maybe it's because
I'm older and I didn't buy into the entitlement mentality,
but come on, and I'm sorry for the lady to
lost everything in the tornado, but I don't think it's
(16:18):
the government's job to pay for landscaping.
Speaker 1 (16:23):
Yeah. I guess my only thing, Greg would be you know, yeah,
I mean insurance you would think would cover most of that.
I'm wondering if FEMA, in the way that we're understanding
is just like kind of like a stop gap of
you know, just like we had that one guy who
(16:44):
said he was actually a FEMA inspector in Texas, and
it's just making sure you're safe and sanitary. That's like
the main thing, you know, in making sure you have
the ability to get around instead of actually replacing anything.
I just wonder what that looks like, because obviously there
was some shortfalls with that in North Carolina based on
where that hurricane hit. So I don't think you're off
(17:04):
base at all. I just wonder if there's a you know,
like like where that line is of what insurance should
be covering and where FEMA or what federal aid or
even state aid will stop to help people who may
have lost some things.
Speaker 8 (17:21):
Well, you're absolutely right about that, because it's a bloat
of bureaucracy. Bureaucracies exist to expand their power and expand
their employees and everything else. Of course they don't get
it done. It should be done on the local level.
Who knows more about Omaha, Nebraska, thankfab listeners. It's certainly
not some bureaucrafts setting in the cubicle in Washington, d C.
Speaker 1 (17:43):
I'm hearing that. Greg. Hey, this is a good passionate discussion. Man.
Thanks for calling in.
Speaker 8 (17:48):
Yeah, thank you.
Speaker 1 (17:50):
Yeah, no problem, Bud. We appreciate you. Let's go to Jim.
Jim's on the phone line four the two, five, five,
eight to eleven ten. Jim, what's up?
Speaker 9 (17:57):
Hey. I was not in that tornado, but I was
close enough to where I had a lot of wind
damage on my roof. That's just about all that was affected.
My insurance homeowners insurance deductible is different for roof only.
My normal deductible is like five hundred bucks, but when
it was roof damage only, it's like ten percent of
(18:21):
the actual loss. My loss was like fifty thousand dollars
and I had to pay five grand.
Speaker 1 (18:27):
Dang. Well, is that you think that that's because we
have wind related events or is that it just kind
of blanket everywhere?
Speaker 9 (18:33):
Now, that was a blanket policy that my insurance company has,
no matter what the you know, the area. Because my
brother lives in Florida and he says this is pretty
much the same. It's roughly a percentage of the actual
loss rather than your normal deductible.
Speaker 1 (18:50):
Interesting. Interesting, So, but you didn't have any other damage
in that storm. I wonder if it would be different if.
Speaker 9 (18:57):
Minor stuff to the yard and my deck, which you
know I took care of myself.
Speaker 1 (19:01):
But yeah, interesting, they took care of them.
Speaker 9 (19:04):
Only forty five thousand of the fifty thousand.
Speaker 1 (19:08):
Dang well, Jim, even.
Speaker 9 (19:09):
Though my deductible is only five hundred.
Speaker 1 (19:11):
Right, I'm interested in kind of how they got to
that number. But certainly I think people's roofs generally have
more problems than anything else that they have on their property.
I thank you for the call, Jim. We appreciate it.
Let's get to Joe on the phone line four two
five eight to eleven ten. We'll welcome in Joe. It's up.
Speaker 2 (19:30):
We had storm damage, but it wasn't in the last year.
It was in two thousand and eight. We had tornado
here our place.
Speaker 1 (19:36):
And.
Speaker 2 (19:38):
Insurance paid. We got to check from them for like
two hundred and sixty thousand. That was the house and
the barns and everything, and our homeowners insurance didn't cover anything.
We lost thirty five trees around the yard and we
got to check from FEMA for less than eight dollars.
It was seven dollars and something, so we just sent
(19:59):
it back. We figured somebody else probably needs a worse
way to.
Speaker 1 (20:02):
So did they explain what it was for?
Speaker 2 (20:04):
Nope, nope, just gotta check in the mail from FEMA.
Speaker 1 (20:08):
It's interesting, you know, because we had that inspector on
a little bit earlier and he was talking about, you know,
kind of what their main issues or main plans are,
and yeah, I just wonder if the you know, did
did they just blanket send that to all your neighbors
and stuff too.
Speaker 2 (20:25):
I don't know. I didn't talk to any of them
about it. You know, they said that guy that called
instead of making sure you have safe sanitary we had
to stay in motels for it was over a week,
you know, because a tree fell through the roof on
the house and it was pretty much uninhabitable and when
the windows blew out, there was glass stuck in everything
(20:47):
that was material, carpet couches and everything. You know, we
couldn't couldn't live in there. And uh, I don't think
that seven dollars would go too far towards staying in
mot tell and sanitary conditions.
Speaker 1 (21:01):
Either, well, unless you're staying at a motel six am
I right, Hey, hey, just kidding, I like, Joe, No,
that's uh. I'm glad that you're safe and everything. I'm
sorry to hear about that, but it is interesting that
FEMA at least was aware of your situation and they
sent you a check for less than eight dollars. It's
just kind of strange to me.
Speaker 2 (21:21):
Yeah, you know, I didn't even buy a pack cigarettes,
which I needed.
Speaker 1 (21:27):
Well, Joe, I appreciate you calling and sharing the story
with me. Appreciate you, man, all right, thank you. That's
that's uh. Yeah, man, just makes you thankful when it's
not you. It makes you feel even works for the
people that do get hit with this stuff. I mean,
how do you how do you stop a tornado from
hitting your house and your insurance only covers you know,
like a you know, some chunk of it. I mean,
(21:50):
like let's say between the house, the stuff in the house,
your car, the yard, whatever land you might have. You know,
let's say got five one hundred grand wrapped up in
all that stuff, which isn't that outrageous these days? You
get a check for two hundred and sixty thousand bucks
about half of that. I mean that that hurts. May
I mean, like, how do we Is there a place
(22:12):
on earth that we can live and not have to
deal with natural disasters? That'd be my thing. Like the mountains.
The mountains have bad stuff happen, avalanche, Oh yeah, yeah yeah.
Speaker 3 (22:25):
And YETI YETI ah, yeah, you always got to worry
about Yetty if you're up in those mountains, up in
the haulers.
Speaker 1 (22:32):
Yeesh. Well, I'm gonna have to look into that. James said,
unless you have just roof damage, deductible is different than
the normal homeowners insurance if you have tornado insurance. So
I guess that's technically a thing. Christian says, the tornado
insurance is part of your normal homeowners but the deductible
for wind and hill is increasing quite a bit. It's interesting, right,
Teresa sent in an email, And I'm here to be
(22:54):
transparent when people give me information, I'm going to present
all of it, and then if you have different view
points on this, I'll let you come to your own conclusion.
But Teresa says, when I was shopping around, they did
have policy so that clearly state that hail damage and
wind damage is a percentage of your home's value rather
than your standard deductible. So I mean again that stinks,
isn't it. But at the same time, you know, it's
(23:16):
just like a risk that just kind of generally exists.
And I don't know. I guess I'd have to look
at high policy and see what it says to that
as well. Jason sent an email and says, I'm waiting
for a checkstell from the flood of twenty nineteen. FEMA sucks. Okay,
well that makes sense. It's fascinating conversation, and I just
I don't know, there's no Can you think of a
(23:40):
place in the United States of America that is generally
like free of any possible crazy natural disasters. There really
isn't a spot, is there. Like the Rocky Mountains are
like the only thing that I can think of. I mean,
I guess the Northeast, but they're susceptible to massive snow
events kind.
Speaker 3 (23:56):
Of like North Dakota. Do they get tornadoes up there?
Speaker 1 (23:59):
I don't know. They definitely get the snow, like a
lot more snow.
Speaker 9 (24:02):
Yah.
Speaker 1 (24:02):
Yeah, cold, no, and cold, but that's not a natural disaster.
Do tornadoes happen in or an average of thirty two
tornadoes each year? In North Dakota. It's not a gigantic
number much, but it's still big enough where it's like, yeah,
they definitely happen. I don't know. Also, I will take
(24:26):
a break, I'll come back. I got some other things here,
and I may have a contest that I want you
to call in on. So just stick around for that
right here on news radio eleventon KFAB and where you
songer foot of snow at a time. Let me see,
let me see what the or official intelligence what natural
(24:48):
disasters occur in New Hampshire. I'm sure they have flooding
right everywhere can flood if you're in the wrong spot.
And sure enough, it's the first thing. It says, flooding
from heavy rainfall and flo heading along rivers such as
the Merrimack and Connecticut rivers, especially during spring season. They
also are susceptible to intense snowstorms, ice storms, and also nor'easters,
(25:09):
which is heavy snowfall and ice accumulation along with strong
winds that can cause power outages. It says hurricanes and
tropical storms are very rare, but Hurricane Irene, remember that,
and it hit like the New York area. It did
hit New Hampshire as well, severe thunderstorms and tornadoes. Apparently
they get tornadoes up there as well. They say they're rare. Also,
(25:32):
New Hampshire lies in a seismically active area of New England.
Even though earthquakes are generally minor, they have had multiple
earthquakes with five point zero on the Richter scale or
more New Hampshire seismic activity. What are they doing out
there on the Richter scale. It's off of that scale,
it says. Wildfires, dry conditions and forests, often in late
(25:52):
summer fall can actually happen in New Hampshire. Droughts periods
of below average rainfall lead to water shortages and landslides
in the White Mountains, heavy rain snow melt, human activities
can trigger landslides in hilly or mountainous areas. Even a
place like New Hampshire has all this stuff happening, well,
there's nowhere to hide, Matt.
Speaker 3 (26:13):
I know, and I worry for the people in New Hampshire.
They don't seem like the type who could handle it well.
Uh GPT says.
Speaker 1 (26:19):
Though these disasters are part of the state's history, New
Hampshire residents often benefit from high level of preparedness. And
robust response systems. So you're wrong robust.
Speaker 3 (26:31):
I'm trying to get you to get tell me those emails.
That's what I'm trying to know. I'm not telling you all.
I did hear the emails.
Speaker 1 (26:37):
I did get an email here from Nicholas Nick says
went to a youth oriented, cool kids store for my
teenager in the mall the other day and was very
surprised to see jeorts A lot of them Frannie face
I see heavily tattooed in Pierce. Store worker told me
that they were popular again, Botta bing.
Speaker 3 (26:55):
Thank you very very much. Okay, everybody, you're canceled that official.
All right, I'm back on the map. That's all you
gotta do is wait. That's all you got to do
for that guy out there still wearing his bell bottoms.
Your time is coming, sir. That's not true. It's not true.
It's never been true, it never will be true. Although
you see some of these basketball players showing up for
these games, they're basketball games.
Speaker 1 (27:17):
Have you seen some of these NBA guys showing up? Yeah,
it looks ridiculous. Oh, they're awful. It's like, this is
not a runway for you.
Speaker 3 (27:23):
Kyle, Kuzma. Yeah, he's wearing a sofa. She's like sewing
a sofa to his back and he's just walking around.
Yeah yeah, yeah, shake Gila. Alexander is about his bat Like.
He shows up in the stupidest stuff too.
Speaker 1 (27:34):
It's like what happened to the guys just you know,
showing up to play basketball and kind of like a
suit like Jordan used to.
Speaker 3 (27:39):
But apparently Cam Newton is costplaying as a jockey these days.
Speaker 1 (27:42):
Did you see the glasses with the chains on him?
Like the guy in all the different hats. He has
hats with holes in the top of him so his
hair can come out the top. And it's just like,
this guy was a great player and he deservedly so
won the MVP one year and he made Super Bowl.
He's a complicated individual off the field, though.
Speaker 3 (28:04):
He made a business decision and now he's making more.
He's making business. It's a business decision, you know what
I mean. When he decided not to dive on the
fumble Super Bowl against the Broncos. Yea, he made a
business decision not to dive on that fumble, And he's
making a business decision to dress like a I think
he looks like a jockey. That's what I think.
Speaker 1 (28:23):
No, I don't think he looks like a jockey every day.
He's got different looks, but he definitely looks ridiculous all
the time. Hey, I don't know what that's all about.
The Jimsons, and an email says I lived in New
Hampshire and snow up to a foot at a time
is not uncommon. I never experienced any of the tornadoes
or flooding or earthquakes, but I do know the Merrimack
(28:44):
River does flood, so tragbt.
Speaker 4 (28:47):
You know.
Speaker 1 (28:50):
He said he didn't experience it, but it does happen,
So there you go. Thanks for the email, Jim.
Speaker 3 (28:55):
Yeah, maybe they should invest in a boat New Hampshire.
Speaker 1 (29:00):
Is it touched the ocean? It doesn't. No, it doesn't.
It's landlocked right because it's got May next to it.
It's got ver Month on this side, Canada above it,
and then Massachusetts below it.
Speaker 3 (29:10):
It does touch the ocean just slightly. Oh does it
just slightly? Map of New Hampshire. Oh yeah, just by Portsmouth. Yeah,
just a little tiny bit, a little tiny bit.
Speaker 1 (29:23):
Well, there you go. The more you know. Anyway, I
do have a contest here for you. We haven't done
one of these in a while. We got one for
the fantastic Omaha lawn Flower and Patio Show. This is, uh,
what do we have? Four pack of tickets? We got
a four pack of tickets right now and if you
want to win these this is by the way, it's
(29:43):
happening January thirty first through February second. That's six Friday
through the weekend, so next weekend, if you want to win,
you can go ahead and give us a call right now.
We'll take the forty seventh caller. Caller forty seven. You
can be winner by calling in at four oh two
five five eight eleven ten. Four oh two five five
(30:04):
eight eleven ten. Forty seventh caller gets a four pack
to tickets to the Omaha lawn Flower and Patio Show,
and we'll tell you who the winner is next on
news radio eleven ten KFAB
Hey, buddy, how you doing today. You're feeling good, You're
feeling You're feeling right. Is it Saturday night? I'm feeling good.
I'm feeling right.
Speaker 2 (00:06):
You know.
Speaker 3 (00:06):
I feel like maybe it's the weather, but the doldrums,
the doldrums of January are starting to the wind is
starting to pick up. It's hitting my sales. You know
what I feel like doing. Maybe it's because of yesterday's show.
I think I'm going to go for a run sometime
this weekend. I think I'm gonna do it. So if
you see somebody laying by the side of a nature
trail and it's jorts, just laying there, huffing and puffing,
(00:29):
just let leaving be okay, give them a moment unless
I need medical attention. But at that point, do not resuscitate.
Speaker 1 (00:35):
Okay.
Speaker 3 (00:36):
If I can't make it on a nature trail, run Okay,
that's what we've determined on today's radio show. Do not
resuscitate me. Let me go. No, no, I don't know.
If anybody roll me back into the woods, that's what
you should do. Take your boot and just give me
a good stiff roll back into the woods. You're gonna
be fine. Back from whence I came, You're going.
Speaker 1 (00:55):
To be fine. I think there's no doubt that if
there was a person, a fine person in this area
who found a huffing and puffing jorts wearing person who
obviously couldn't handle their own run, I feel like they
would probably help you out.
Speaker 3 (01:12):
I do run in jorts, Okay, So anybody who thinks
this is a bit, no, you don't, and I have been.
I have been to the gym in jorts.
Speaker 1 (01:18):
Is that right?
Speaker 4 (01:19):
That's right?
Speaker 3 (01:20):
But when you go to the gym and jorts, it's
a James that is no longer a gym.
Speaker 1 (01:25):
I'm just wondering if that was actually true, if they
would escort you.
Speaker 3 (01:29):
Out, I I would not lie on this radio station.
I have literally gone to the gym and done my
whole workout in a pair of jorts.
Speaker 1 (01:37):
How long ago is this? Was this in the nineties? No,
this would have been like twenty fourteen. Seriously, yeah, probably
around then. Might have even been in Grand Island, Nebraska
around then.
Speaker 3 (01:48):
You want to think I'm the only guy in a
pair of jorts at a gym and Grand Island, Nebraska, Yes, No, yes,
at least a dozen No, there was it's a Lisa
Baker's doesn't you're making stuff up? We're all and cut
off tease listening in Grand Island. He doesn't mean this.
Speaker 1 (02:02):
I got angry messages yesterday from people who thought you
were insulting people, and I'm just like, he's not insulting people.
It's just his tone. WHA What did I say? I
don't know that everybody at Grand Island is wearing cut
off shorts or shirts and jorts something that no one
is wearing. I guarantee you no one is wearing in
Grand Island, Nebraska. Come on, you got emails? Oh? I
(02:27):
don't even want to tell you what people were saying
about you?
Speaker 4 (02:29):
Really?
Speaker 1 (02:29):
WHOA? What are you hiding from me? I didn't know this.
This is why I don't tell you, because I don't
want I don't want you to be like, oh now,
I'm definitely going to wear my georts to work because
that's the last thing we need.
Speaker 3 (02:39):
You're hiding these from me. I need to know. I
want to know who I upset so I can do
it more exactly. That's why I'm not telling you.
Speaker 1 (02:45):
Man. That's not fair. Eh, it's not is it? The
super thing? No? That that didn't help I did get
multiple emails about the Superhu thing.
Speaker 3 (02:54):
You have to admit I was onto something.
Speaker 1 (02:57):
No, you're not onto something. No, no, oh we like
people who drives you baros, it's a fine car. Yeah yeah.
It was ridiculous in your liberalness and whatever. Anyway, so
it's Friday, there's stuff going on in the news. We're
gonna touch on this because you know, whatever the Uh
(03:18):
there's a lot of stuff with this FEMA thing today
and uh we're waiting to see Donald Trump land in
California and uh, I don't know, FEMA. What do you
think about the states just getting to control all that aid?
Is that what we would you?
Speaker 4 (03:33):
Uh?
Speaker 1 (03:34):
You know, not that Nebraska needs a whole lot of
disaster aid, right, sometimes we do, but nothing like what
Helene created for North Carolina or what these wildfires are
doing for California. Right. Is there too many things, too
many steps in the process. There's too many things that
you know, are creating a bigger issue. You know, we
talked about this just a little bit and I got
(03:55):
to thinking more about it, and it's like, you know,
if the money that was going into FEMA went away,
but instead we shared it equally amongst the seven, you know,
like the fifty states. What if we did that, you
think that would be a good use of our funding
a little bit better that the state gets the chance
to manage that money specifically as long as we well.
(04:20):
And then it goes to like how much more money
should you be paying if you live in Florida knowing
that you're likely going to need hurricane relief? Right you
live there? You know what's happening? Is there like a
hurricane tax that now has to go to the state
if we do it this way, And if that's the case,
then that should be less of a federal tax on us,
right because I mean, we don't exactly have tornado insurance,
do we?
Speaker 3 (04:39):
Well, yeah, I don't. Is that even a thing? Tornado insurance?
Speaker 1 (04:43):
Yeah? I know, there's flood insurance.
Speaker 3 (04:44):
Look, if somebody's gonna buy it, there's somebody out there
who will sell you insurance for it.
Speaker 1 (04:48):
That's true. I wonder if I can just look that up.
Is there tornado insurance? Mostly tornado damage is just homeowner's
insurance issue. It depends on your on your package. I
suppose maybe let's open the phones. Maybe somebody can help
us with this. You know, is there do you have
(05:11):
tornado insurance? Have you been affected by a tornado? And
how was that insurance process? Call us four h two
five five eight eleven ten, four row two five five
eight eleven ten, and we'd love to talk to you
about that. It's also it's a Friday open phone line Friday.
Let's just go ahead and do that too, because if
there's anything on your mind on the first full week
of Donald Trump being president of the United States, it
(05:31):
might be you know, interesting for us to talk about it.
So why don't we go ahead and do that. You
can again call us at any point with your thoughts
at four h two five five eight eleven ten. How
would you feel if judge of if there was a
natural disaster insurance or FEMA, if that just became kind
of a States thing. I would love to hear from
you on that, and we'll talk to you next on
(05:51):
news Radio eleven ten kfab and RaSE songer. What does
that look like for Nebraska or Iowa? You know, like
flooding obviously is a thing that you have to worry
about if you're in like a floodplaine, but also tornadoes
that's kind of like the other thing, right, maybe blizzards
is there such a thing as like a state emergency
for a blizzard? I don't know. I guess tornadoes would
(06:15):
be the one that I would think about the most.
So I was asking about how that works with your insurance,
and we got Trish on the line. Four two five
five eight eleven ten. Four two five five eight eleven ten.
What's up, Trich, Hey.
Speaker 5 (06:25):
Emory, nice to talk to you today. I just was
going to say that we were hit in April twenty
sixth by the tornado, and that was just regular insurance,
and you know, I'm glad it was because I wouldn't
have had anything extra.
Speaker 1 (06:41):
So yeah, so that's just a part of the homeowner's policy.
You didn't have to have anything extra or an appendage
to your homeowners.
Speaker 5 (06:48):
To cover that, right, Yeah, it was just in the
regular policy. So because of what happened, and after we
found out a lot of different particulars that we weren't
explained correctly, we had to learn the hard way, and
we didn't have some coverage that we needed, you know,
(07:10):
But that's just the way that game goes with the
insurance companies.
Speaker 1 (07:14):
So can I ask how much damage that you suffered
on that day?
Speaker 5 (07:19):
So we had about two hundred and fifty thousand dollars
worth of damage, and that was basically just structure. And
so we live a mile south of Crescent and we
have some land because we live on an acreage. Nothing
(07:42):
covered all the tree damage. So that stuff that we've
had to try to figure out on our own and
try to get people to help because it's just a massive,
a massive undertaking. And it was like, it's just like
what they say. I've a lot of people say it,
even with the fires. It's the only way you can
(08:04):
explain it is it looks like a bomb went off.
Speaker 1 (08:07):
It's so unbelievable. Well, I'm glad that you're okay, Trish.
I'm sorry to hear about the damage, but thanks for
calling in and telling us and helping us understand this
a little bit better today.
Speaker 5 (08:16):
Sure, And Emory, can I just say that I do
think that having FEMA maybe gotten rid of and maybe
the states taking care of things, that might be a
better idea. I think it's worth looking into because I
feel really bad for the people in the North Carolina
area and all that that happened to them, because that.
Speaker 4 (08:36):
Was just terrific.
Speaker 1 (08:38):
Yeah. Yeah, and that's the other thing too, and I
appreciate the call, Trish, thanks for being on the show.
I wonder if there's, like I wonder, in that scenario,
the only thing would be our states who are more
susceptible to stuff like this happening, say Californian wildfires. We
know there to be over you know, on average, you know,
something like nine thousand wildfires a year. This year obviously
(09:01):
has just been way more destructive than some others in
the past, But they should pay more into their state
for that protection, right. The same thing for Florida and hurricanes,
even though they seem to have a better handle on
something like that, and North Carolina potentially as well, even
if western North Carolina isn't usually seeing hurricane damage, that
(09:21):
obviously would need to be covered based on how many
people just were set up for, you know, a tragic
situation at that point, you would think that that'd be
more than what we would need to pay in Nebraska
and Iowa if it's a state related thing into that fund.
Because I just wonder how much money on an average
(09:42):
basis we actually need on a you know, for a
state of emergency based on natural disasters. Gina's on a
phone line of four h two, five, five, eight to
eleven ten. Hello, Gina, what's on your mind today?
Speaker 4 (09:54):
We were victims of the Arbor Day tornado.
Speaker 1 (09:57):
Oh okay, so how did that work work? How much
damage did you have?
Speaker 4 (10:02):
We lost absolutely everything, house, barn, vehicles, brand new camp
or motorcycle, everything.
Speaker 1 (10:09):
Oh my gosh, I'm so sorry to hear that, Gina.
How look okay? So like obviously in the moment, you're
not concerned about you know, you're trying to be safe, right,
and it was everyone safe in your family.
Speaker 4 (10:21):
Yes, my husband was in the house when it hit,
but thankfully he escaped with minor injuries. I just wanted
to provide some input in reference to FEMA. Yeah, our
our homeowner's insurance covered quite a bit, but you're never
made completely whole, even with homeowners. FEMA responded within a
(10:45):
few days, but we were led to believe we would
get FEMA funds, but that's really not the case. The
only thing we could possibly get from FEMA is a
two thousand dollars to cover our landscaping. We had just
put in ten thousand dollars worth of landscaping the fall
(11:06):
before the tornado. But I don't think we're going to
get any money for that.
Speaker 1 (11:11):
So have they told you kind of how that's supposed
to operate, and did it like this would obviously have
been before these hurricanes and everything like that. How does
FEMA operate if they're called in to help, Well, we had.
Speaker 4 (11:24):
To go through the process of meeting with them at
a designated location and everything, and downloading their app and
uploading a bunch of documents, and to be honest, I
haven't done all that yet because I've been dealing with insurance.
But it doesn't sound like we're going to get anything
from FEMA.
Speaker 1 (11:41):
That's I'm so sorry to hear all of that. Gina
is just absolutely tragic, But I'm really happy that you
guys are safe. And if there's any information as that
kind of if there's more developments on that, please feel
free to call us and help us explain or help
us learn about that, because it's certainly something that I've
never had to personally deal with. So I appreciate you
calling in and sharing your experience with that today.
Speaker 4 (12:04):
Thank you.
Speaker 1 (12:05):
Let's go to Chuck on a phone line four O
two five five eight to eleven ten. Hello, Chuck, what's
going on with you today?
Speaker 4 (12:11):
Hi?
Speaker 6 (12:11):
There, I was an underwriter for about fifteen years, and
I thought i'd give that this perspective on it. There
is somewhat of the more at risk people pay more
already in the private insurance a field. My expertise was
in center pivot irrigations. We covered flooding, we covered fire,
we covered high wind tornadoes. Those are all covered expenses,
(12:35):
and they cost of the insurance was based on the
amount of risk in that area.
Speaker 1 (12:40):
Interesting, So they're already theoretically through insurance, paying more money
yet and so to cover themselves in certain spots they
are paying for that just kind of upfront. That's not
a government thing, that's a that's an insurance.
Speaker 6 (12:54):
Thing right right exactly, and it's you know, it's based
on the amount of risk based on historical evidence of
what has happened in those areas in the past. And
it can vary from state to state, it can vary
from county to county even interesting, and I think that
also holds true for like people in Florida trying to
get hurricane or flood insurance. You can get it, but
it's just incredibly expensive because the risk is so high
(13:18):
for a catastrophic failure or a catastrophic damages that you've
got to be able to cover that risk with your premium.
So there you go. Yeah, well a bit of it
has already covered. Now when you're talking about you know,
natural disasters that go beyond private property and so forth,
then yeah, I think there's got to be a role
for something alike like FEMA or something along those lines
(13:38):
in addition to but a lot of people are covering
their own private property their own insurance.
Speaker 1 (13:44):
Interesting. Well, check, that's good insight. Thanks for letting us
know that today.
Speaker 6 (13:47):
You're welcome.
Speaker 1 (13:47):
All right, Well, before we hit the break, let's go
to Mike. Mike is on a phone line of four
h two, five, five, eight to eleven ten. Mike, what's
on your mind about this today?
Speaker 7 (13:56):
Well, I was an inspector for FEMA after Hurricane read
Down in a little part of Texas, uh called Lumberton,
right outside of Port Arthur, Okay, and uh, FEMA is
not there to make you whole. They're only there to
make sure that you're safe, sanitary.
Speaker 6 (14:13):
And secure.
Speaker 7 (14:14):
Interesting, it's a it's a temporary quick fix, and your
insurance is supposed to cover everything else.
Speaker 1 (14:21):
So how like your laws? So when you hear what
Donald Trump's talking about with FEMA in that process and
it needing either reform or to you know, just kind
of be eradicated in states, have you know more of
those resources? Uh, how do you feel about that?
Speaker 7 (14:36):
Well, it's got to get paid for by somebody, so
you know, like for the infrastructure, for the roads and
the the electrical utilities, all the utilities that were destroyed. Uh,
that's got to get paid somehow. And you know, if
the federal government decides to give block ramps, then you know,
I'd rather they do that than send it to Ukraine.
Speaker 5 (14:56):
Uh.
Speaker 1 (14:56):
Yeah, I mean that when you put it like that,
it makes an awful lot more sense, doesn't it.
Speaker 4 (14:59):
Mike.
Speaker 1 (15:00):
I appreciate you calling in. That's very interesting perspective, and
thanks for listening to us today. All right, let's go
ahead and take a break. When we come back, we
will take more of your calls. If you got some
thoughts on this, whether you've dealt with FEMA, whether you've
had insurance help you out with natural disasters here in
Nebraska and in Iowa, across the board, if you have
(15:20):
anything on your mind, we're here for you. Four oh
two five five eight eleven ten four h two five
five eight eleven ten. We got more on the way
coming on news radio eleven ten KFAB And what's the
bigger point here and how would that kind of affect
how we get aid in Nebraska and Iowa if that's
a thing. And that's why I'm asking if you had
some storm damage or you were affected by the tornado
or a big natural disaster of flooding here in the
(15:41):
last year or so, and it would be fresh how
all of this stuff works with insurance and potentially FEMA
and all that stuff. And we're getting phone calls today.
Four h two, five to five at eleven ten is
that number. And we'll start with Greg on the phone line. Greg,
welcome to our show today. What's going on?
Speaker 8 (15:57):
Thank you? Hey. I don't think it's the federal government's
responsibility to pay right down to the penny whatever you
lost in the natural disaster. I mean, maybe it's because
I'm older and I didn't buy into the entitlement mentality,
but come on, and I'm sorry for the lady to
lost everything in the tornado, but I don't think it's
(16:18):
the government's job to pay for landscaping.
Speaker 1 (16:23):
Yeah. I guess my only thing, Greg would be you know, yeah,
I mean insurance you would think would cover most of that.
I'm wondering if FEMA, in the way that we're understanding
is just like kind of like a stop gap of
you know, just like we had that one guy who
(16:44):
said he was actually a FEMA inspector in Texas, and
it's just making sure you're safe and sanitary. That's like
the main thing, you know, in making sure you have
the ability to get around instead of actually replacing anything.
I just wonder what that looks like, because obviously there
was some shortfalls with that in North Carolina based on
where that hurricane hit. So I don't think you're off
(17:04):
base at all. I just wonder if there's a you know,
like like where that line is of what insurance should
be covering and where FEMA or what federal aid or
even state aid will stop to help people who may
have lost some things.
Speaker 8 (17:21):
Well, you're absolutely right about that, because it's a bloat
of bureaucracy. Bureaucracies exist to expand their power and expand
their employees and everything else. Of course they don't get
it done. It should be done on the local level.
Who knows more about Omaha, Nebraska, thankfab listeners. It's certainly
not some bureaucrafts setting in the cubicle in Washington, d C.
Speaker 1 (17:43):
I'm hearing that. Greg. Hey, this is a good passionate discussion. Man.
Thanks for calling in.
Speaker 8 (17:48):
Yeah, thank you.
Speaker 1 (17:50):
Yeah, no problem, Bud. We appreciate you. Let's go to Jim.
Jim's on the phone line four the two, five, five,
eight to eleven ten. Jim, what's up?
Speaker 9 (17:57):
Hey. I was not in that tornado, but I was
close enough to where I had a lot of wind
damage on my roof. That's just about all that was affected.
My insurance homeowners insurance deductible is different for roof only.
My normal deductible is like five hundred bucks, but when
it was roof damage only, it's like ten percent of
(18:21):
the actual loss. My loss was like fifty thousand dollars
and I had to pay five grand.
Speaker 1 (18:27):
Dang. Well, is that you think that that's because we
have wind related events or is that it just kind
of blanket everywhere?
Speaker 9 (18:33):
Now, that was a blanket policy that my insurance company has,
no matter what the you know, the area. Because my
brother lives in Florida and he says this is pretty
much the same. It's roughly a percentage of the actual
loss rather than your normal deductible.
Speaker 1 (18:50):
Interesting. Interesting, So, but you didn't have any other damage
in that storm. I wonder if it would be different if.
Speaker 9 (18:57):
Minor stuff to the yard and my deck, which you
know I took care of myself.
Speaker 1 (19:01):
But yeah, interesting, they took care of them.
Speaker 9 (19:04):
Only forty five thousand of the fifty thousand.
Speaker 1 (19:08):
Dang well, Jim, even.
Speaker 9 (19:09):
Though my deductible is only five hundred.
Speaker 1 (19:11):
Right, I'm interested in kind of how they got to
that number. But certainly I think people's roofs generally have
more problems than anything else that they have on their property.
I thank you for the call, Jim. We appreciate it.
Let's get to Joe on the phone line four two
five eight to eleven ten. We'll welcome in Joe. It's up.
Speaker 2 (19:30):
We had storm damage, but it wasn't in the last year.
It was in two thousand and eight. We had tornado
here our place.
Speaker 1 (19:36):
And.
Speaker 2 (19:38):
Insurance paid. We got to check from them for like
two hundred and sixty thousand. That was the house and
the barns and everything, and our homeowners insurance didn't cover anything.
We lost thirty five trees around the yard and we
got to check from FEMA for less than eight dollars.
It was seven dollars and something, so we just sent
(19:59):
it back. We figured somebody else probably needs a worse
way to.
Speaker 1 (20:02):
So did they explain what it was for?
Speaker 2 (20:04):
Nope, nope, just gotta check in the mail from FEMA.
Speaker 1 (20:08):
It's interesting, you know, because we had that inspector on
a little bit earlier and he was talking about, you know,
kind of what their main issues or main plans are,
and yeah, I just wonder if the you know, did
did they just blanket send that to all your neighbors
and stuff too.
Speaker 2 (20:25):
I don't know. I didn't talk to any of them
about it. You know, they said that guy that called
instead of making sure you have safe sanitary we had
to stay in motels for it was over a week,
you know, because a tree fell through the roof on
the house and it was pretty much uninhabitable and when
the windows blew out, there was glass stuck in everything
(20:47):
that was material, carpet couches and everything. You know, we
couldn't couldn't live in there. And uh, I don't think
that seven dollars would go too far towards staying in
mot tell and sanitary conditions.
Speaker 1 (21:01):
Either, well, unless you're staying at a motel six am
I right, Hey, hey, just kidding, I like, Joe, No,
that's uh. I'm glad that you're safe and everything. I'm
sorry to hear about that, but it is interesting that
FEMA at least was aware of your situation and they
sent you a check for less than eight dollars. It's
just kind of strange to me.
Speaker 2 (21:21):
Yeah, you know, I didn't even buy a pack cigarettes,
which I needed.
Speaker 1 (21:27):
Well, Joe, I appreciate you calling and sharing the story
with me. Appreciate you, man, all right, thank you. That's
that's uh. Yeah, man, just makes you thankful when it's
not you. It makes you feel even works for the
people that do get hit with this stuff. I mean,
how do you how do you stop a tornado from
hitting your house and your insurance only covers you know,
like a you know, some chunk of it. I mean,
(21:50):
like let's say between the house, the stuff in the house,
your car, the yard, whatever land you might have. You know,
let's say got five one hundred grand wrapped up in
all that stuff, which isn't that outrageous these days? You
get a check for two hundred and sixty thousand bucks
about half of that. I mean that that hurts. May
I mean, like, how do we Is there a place
(22:12):
on earth that we can live and not have to
deal with natural disasters? That'd be my thing. Like the mountains.
The mountains have bad stuff happen, avalanche, Oh yeah, yeah yeah.
Speaker 3 (22:25):
And YETI YETI ah, yeah, you always got to worry
about Yetty if you're up in those mountains, up in
the haulers.
Speaker 1 (22:32):
Yeesh. Well, I'm gonna have to look into that. James said,
unless you have just roof damage, deductible is different than
the normal homeowners insurance if you have tornado insurance. So
I guess that's technically a thing. Christian says, the tornado
insurance is part of your normal homeowners but the deductible
for wind and hill is increasing quite a bit. It's interesting, right,
Teresa sent in an email, And I'm here to be
(22:54):
transparent when people give me information, I'm going to present
all of it, and then if you have different view
points on this, I'll let you come to your own conclusion.
But Teresa says, when I was shopping around, they did
have policy so that clearly state that hail damage and
wind damage is a percentage of your home's value rather
than your standard deductible. So I mean again that stinks,
isn't it. But at the same time, you know, it's
(23:16):
just like a risk that just kind of generally exists.
And I don't know. I guess I'd have to look
at high policy and see what it says to that
as well. Jason sent an email and says, I'm waiting
for a checkstell from the flood of twenty nineteen. FEMA sucks. Okay,
well that makes sense. It's fascinating conversation, and I just
I don't know, there's no Can you think of a
(23:40):
place in the United States of America that is generally
like free of any possible crazy natural disasters. There really
isn't a spot, is there. Like the Rocky Mountains are
like the only thing that I can think of. I mean,
I guess the Northeast, but they're susceptible to massive snow
events kind.
Speaker 3 (23:56):
Of like North Dakota. Do they get tornadoes up there?
Speaker 1 (23:59):
I don't know. They definitely get the snow, like a
lot more snow.
Speaker 9 (24:02):
Yah.
Speaker 1 (24:02):
Yeah, cold, no, and cold, but that's not a natural disaster.
Do tornadoes happen in or an average of thirty two
tornadoes each year? In North Dakota. It's not a gigantic
number much, but it's still big enough where it's like, yeah,
they definitely happen. I don't know. Also, I will take
(24:26):
a break, I'll come back. I got some other things here,
and I may have a contest that I want you
to call in on. So just stick around for that
right here on news radio eleventon KFAB and where you
songer foot of snow at a time. Let me see,
let me see what the or official intelligence what natural
(24:48):
disasters occur in New Hampshire. I'm sure they have flooding
right everywhere can flood if you're in the wrong spot.
And sure enough, it's the first thing. It says, flooding
from heavy rainfall and flo heading along rivers such as
the Merrimack and Connecticut rivers, especially during spring season. They
also are susceptible to intense snowstorms, ice storms, and also nor'easters,
(25:09):
which is heavy snowfall and ice accumulation along with strong
winds that can cause power outages. It says hurricanes and
tropical storms are very rare, but Hurricane Irene, remember that,
and it hit like the New York area. It did
hit New Hampshire as well, severe thunderstorms and tornadoes. Apparently
they get tornadoes up there as well. They say they're rare. Also,
(25:32):
New Hampshire lies in a seismically active area of New England.
Even though earthquakes are generally minor, they have had multiple
earthquakes with five point zero on the Richter scale or
more New Hampshire seismic activity. What are they doing out
there on the Richter scale. It's off of that scale,
it says. Wildfires, dry conditions and forests, often in late
(25:52):
summer fall can actually happen in New Hampshire. Droughts periods
of below average rainfall lead to water shortages and landslides
in the White Mountains, heavy rain snow melt, human activities
can trigger landslides in hilly or mountainous areas. Even a
place like New Hampshire has all this stuff happening, well,
there's nowhere to hide, Matt.
Speaker 3 (26:13):
I know, and I worry for the people in New Hampshire.
They don't seem like the type who could handle it well.
Uh GPT says.
Speaker 1 (26:19):
Though these disasters are part of the state's history, New
Hampshire residents often benefit from high level of preparedness. And
robust response systems. So you're wrong robust.
Speaker 3 (26:31):
I'm trying to get you to get tell me those emails.
That's what I'm trying to know. I'm not telling you all.
I did hear the emails.
Speaker 1 (26:37):
I did get an email here from Nicholas Nick says
went to a youth oriented, cool kids store for my
teenager in the mall the other day and was very
surprised to see jeorts A lot of them Frannie face
I see heavily tattooed in Pierce. Store worker told me
that they were popular again, Botta bing.
Speaker 3 (26:55):
Thank you very very much. Okay, everybody, you're canceled that official.
All right, I'm back on the map. That's all you
gotta do is wait. That's all you got to do
for that guy out there still wearing his bell bottoms.
Your time is coming, sir. That's not true. It's not true.
It's never been true, it never will be true. Although
you see some of these basketball players showing up for
these games, they're basketball games.
Speaker 1 (27:17):
Have you seen some of these NBA guys showing up? Yeah,
it looks ridiculous. Oh, they're awful. It's like, this is
not a runway for you.
Speaker 3 (27:23):
Kyle, Kuzma. Yeah, he's wearing a sofa. She's like sewing
a sofa to his back and he's just walking around.
Yeah yeah, yeah, shake Gila. Alexander is about his bat Like.
He shows up in the stupidest stuff too.
Speaker 1 (27:34):
It's like what happened to the guys just you know,
showing up to play basketball and kind of like a
suit like Jordan used to.
Speaker 3 (27:39):
But apparently Cam Newton is costplaying as a jockey these days.
Speaker 1 (27:42):
Did you see the glasses with the chains on him?
Like the guy in all the different hats. He has
hats with holes in the top of him so his
hair can come out the top. And it's just like,
this guy was a great player and he deservedly so
won the MVP one year and he made Super Bowl.
He's a complicated individual off the field, though.
Speaker 3 (28:04):
He made a business decision and now he's making more.
He's making business. It's a business decision, you know what
I mean. When he decided not to dive on the
fumble Super Bowl against the Broncos. Yea, he made a
business decision not to dive on that fumble, And he's
making a business decision to dress like a I think
he looks like a jockey. That's what I think.
Speaker 1 (28:23):
No, I don't think he looks like a jockey every day.
He's got different looks, but he definitely looks ridiculous all
the time. Hey, I don't know what that's all about.
The Jimsons, and an email says I lived in New
Hampshire and snow up to a foot at a time
is not uncommon. I never experienced any of the tornadoes
or flooding or earthquakes, but I do know the Merrimack
(28:44):
River does flood, so tragbt.
Speaker 4 (28:47):
You know.
Speaker 1 (28:50):
He said he didn't experience it, but it does happen,
So there you go. Thanks for the email, Jim.
Speaker 3 (28:55):
Yeah, maybe they should invest in a boat New Hampshire.
Speaker 1 (29:00):
Is it touched the ocean? It doesn't. No, it doesn't.
It's landlocked right because it's got May next to it.
It's got ver Month on this side, Canada above it,
and then Massachusetts below it.
Speaker 3 (29:10):
It does touch the ocean just slightly. Oh does it
just slightly? Map of New Hampshire. Oh yeah, just by Portsmouth. Yeah,
just a little tiny bit, a little tiny bit.
Speaker 1 (29:23):
Well, there you go. The more you know. Anyway, I
do have a contest here for you. We haven't done
one of these in a while. We got one for
the fantastic Omaha lawn Flower and Patio Show. This is, uh,
what do we have? Four pack of tickets? We got
a four pack of tickets right now and if you
want to win these this is by the way, it's
(29:43):
happening January thirty first through February second. That's six Friday
through the weekend, so next weekend, if you want to win,
you can go ahead and give us a call right now.
We'll take the forty seventh caller. Caller forty seven. You
can be winner by calling in at four oh two
five five eight eleven ten. Four oh two five five
(30:04):
eight eleven ten. Forty seventh caller gets a four pack
to tickets to the Omaha lawn Flower and Patio Show,
and we'll tell you who the winner is next on
news radio eleven ten KFAB
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