Posted On: November 21, 2005, 1:37 pm CST

Posted By: Les

There is a reason it is called the 100 year flood zone. Fool me once but don't fool me twice seems as though it should apply on a per property address. I as a property owner must take some responsibility. The issue of flood goes away if the first loss would allow proceeds to apply to purchase of another property if the loss exceeded a stipulated percentage of value and future claims were reduced by prior claims not to exceed the maximum insurance amount. Phase this in over a period of time and ultimately the issue will resolve itself especially on repeat losses.