Sunday, October 02, 2005

What am I paying for?

Columbus is a pleasant place, with the feel of a college town rather than a major city. The college is, of course, Ohio State with its 50,000 students. Columbus is about half-again as big as New Orleans, with a population of over 700,000. Its metro area is about 25% more populous than greater N.O., at 1.6 million.

It has been said that New Orleans has two seasons, summer and February. Columbus is definitely changing seasons. Afternoons are beautiful, with temperatures in the seventies, but we leave home in the morning bundled up for the 50’s or colder. Forecasts are that the 70’s may be over for the season.

So we are looking at winter coats while planning a visit to New Orleans in a couple of weeks. I can barely lift the coats that Susan is suggesting I try on. At home we would call them "parkas."

It’s hard to know what is home any more. Our house is damaged enough that we don’t want to go back to it, but not enough for the insurance companies to "total" it. We are the only people I know that had excess flood insurance, and yet the insurers are questioning its true worth.

It is quite a racket they have going. They will take our premium payments on a $375,000 policy, but now question whether the property is worth that much. They sure did not raise any doubt when we signed up. I promise a long rant about insurers before this is all over. The trouble is that it may never be over.

It would be interesting to know what percentage of New Orleans citizens’ net worth is currently held by their insurers. The insurers are certainly in no hurry to release it, either.

The area economy is further restrained by the wide range of opinions on where market values of real estate are heading. Let me know your opinion.


jbv's Competitive Edge 


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