So... If you're bored, Lisa and I are thinking of buying a house now...

Ok, so a quick update. All the negotiating is done. Offer accepted. Inspections are done. We are awaiting appraisal and survey and close on July 24th. Still don't have an exact mortgage figure, but it should still be in the ballpark of above (hopefully).
 
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Wayne said:
Thanks. The problem I see with that list is the "within 150 miles". Hell, 1/2 of the entire state is "within 150 miles"...
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Without context, I can see how that number might seem high. But did you know that typical hurricanes are 300 miles wide?

My dad is weird. He always said "I have insurance. It's just stuff", and I guess -- as long as we can get out -- that applies to my train of thought as well...
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It is a not a bad attitude to have. That said, if you consider a house as an investment, it is also not a bad idea to consider common risks and then make purchasing decisions based on how to best mitigate them (without breaking the bank).
 
JoBBo said:
It is a not a bad attitude to have. That said, if you consider a house as an investment, it is also not a bad idea to consider common risks and then make purchasing decisions based on how to best mitigate them (without breaking the bank).
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In Florida, as Jim will be quick to point out I'm sure, there's only SO MUCH you can do with Hurricanes. You are either prepared, or you're not. This house has the top wind mitigation roof that you can have on a concrete block base (stucco facing) and it comes with what they call "hurricane shutters" which are the big metal coverings you place over your windows and doors. The rest is really up to God and Mother Nature, and it's probably best that everyone understands that.. :)

The only saving grace is that we're on the west side of the peninsula facing the Gulf of Mexico which still gets it's fair share of hurricanes, though few direct hits, and nowhere nearly as many as the east coast (say Orlando and Miami)...
 
Wayne said:
In Florida, as Jim will be quick to point out I'm sure, there's only SO MUCH you can do with Hurricanes.
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Yup. Where you live is a biggie, and being in a CBS home with at least shutters is the biggest step.

Question, do you have natural gas service to the house? Probably unlikely in a newer house, but worth asking. If you do, I'd recommend a standby generator if you can afford it. I'm looking into getting one myself. Probably not worth it without gas service. Gas is really nice as I've not seen it interrupted during a storm yet.

If we get a hurricane potentially coming our way, I'll give you some tips on steps to take. Some may be obvious, others not as much so. Speaking of generators, I'd recommend at minimum buy a portable generator as soon as you can after moving in. I'd also suggest getting 5-10 five gallon gas cans, depending on the size generator you get. Also would recommend buying one window shaker, and a bunch of extension cords. I could help with sizing. You could also always get an electrician to wire up a transfer switch and a cable to have the generator power your breaker box directly, but that could be costly and a portable likely won't power your main A/C. A window shaker for a single room and extension cords for important items (fridge, light, TV) will help keep you safe and sane.
 
redrumloa said:
Question, do you have natural gas service to the house? Probably unlikely in a newer house, but worth asking.
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No to the gas. Will consider a generator, and probably one of those AC units like you had for the garage when you lived in Madison.
 
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