Hello Games office flood won't be covered by insurance - Polidicks

Isn't believing you're at risk of something the entire motivation to get insurance anyway?

[QUOTE=Forumaster;43338840]AFAIK, insurance companies can arbitrarily remap the "at risk" areas.[/QUOTE] Not 100% sure how much insurance companies adhere to it but here the government has a map of all the supposed flood risk areas. I guess there is nothing to stop an insurance company adding to that list though.

I'd be surprised if they actually did lose their data, because it seems to be common sense to have third-party backups? Or maybe an external or two someone kept at their flat.

[QUOTE=Keyblockor1;43338226]Make the Government step in and make the Insurance company pay. Everyone knows that this is [B]BULLSHIT[/B]. It's not even Hello Games it's also those people who lost everything but nope lol "Flood risk zone = No Flooding Insurance!"[/QUOTE] I feel for Hello Games but if your in a high risk flood area you need to make sure you are insured. You cant make the insurance company pay for something the specifically dont want to pay for [editline]28th December 2013[/editline] Granted if was a small print type of thing "which would be illegal I think" thats a different story, but I doubt thats the case

Why is corporate run insurance still allowed?

[QUOTE=Mingebox;43338718]I only just heard about this game recently. It looked like Infinity: Quest for Earth, but way better and not vaporware.[/QUOTE] If way better involves no multiplayer then thats good for you, but i like MP/

[QUOTE=Mattk50;43339680]If way better involves no multiplayer then thats good for you, but i like MP/[/QUOTE] Well "better" does include planets that look more interesting than a high-res version of something you could make in Tribes 2.

[QUOTE=Trumple;43337560][IMG]https://dl.dropbox.com/u/10518681/Screenshots/2013-12-28_22-20-22.png[/IMG] I could go down the road and help them! Their office is right next to where I used to work[/QUOTE] "No flood insurance for flood risk zones" wow, isn't that just great Also, having looked at that one game they were making was pretty awesome, this is all nothing short of a huge shame. [editline]28th December 2013[/editline] that and these devs sound super cool

[QUOTE=RenegadeCop;43341436]Insurance companies are the worst scum on earth. When our house burnt down (car exploded), our insurance canceled on us.[/QUOTE] did they at least lube you up before screwing you?

[QUOTE=Forumaster;43338840]AFAIK, insurance companies can arbitrarily remap the "at risk" areas.[/QUOTE] Say if they are just out of the flood zone and there is a particularly bad flood and the water flows into areas not deemed as flood risk, the company can turn around and say "well in 2013 flood waters reached there and we now class that as flood zone" which voids the insurance. Insurers always have ways around the law.

Hey now, if they are in an actual flood risk area, it's completely normal that you don't get insured for flooding. Same thing for any other hazard.

[QUOTE=SEKCobra;43341830]Hey now, if they are in an actual flood risk area, it's completely normal that you don't get insured for flooding. Same thing for any other hazard.[/QUOTE] "I live in an area that has a high risk of X. I know, I'll get X insurance!" "Sorry, we don't insure X in a high-risk zone (that we set)." Yep, makes PERFECT sense.

[QUOTE=mattmanlex;43342341]"I live in an area that has a high risk of X. I know, I'll get X insurance!" "Sorry, we don't insure X in a high-risk zone (that we set)." Yep, makes PERFECT sense.[/QUOTE] first and foremost: insurance companies are there to make money, they don't give a shit about anything else i remember from the brisbane floods the insurance companies were trying to wiggle out of paying because it was "an act of god", and insurance companies don't pay out in that certain circumstance.

[QUOTE=J!NX;43341725]did they at least lube you up before screwing you?[/QUOTE] Not if you live in a high-friction area.

In america the only type of insurance that would cover flood damage- is called flood insurance. It's quite expensive- as those who live in flood prone areas are prone to (frequent) flood damage. Does the country this company is in not have something similar? As for this... [QUOTE=RenegadeCop;43341436]Insurance companies are the worst scum on earth. When our house burnt down (car exploded), our insurance canceled on us.[/QUOTE] A car blowing up is hardly a normal occurrence- theres more to this story then just "it blew up". The company was within their rights to cancel after such an ~odd~ occurrence. If nothing shady contributed to the explosion it shouldnt be hard to find another company willing to write a policy.

[QUOTE=H8Entitlement;43342931] A car blowing up is hardly a normal occurrence- theres more to this story then just "it blew up". The company was within their rights to cancel after such an ~odd~ occurrence. If nothing shady contributed to the explosion it shouldnt be hard to find another company willing to write a policy.[/QUOTE] I gotta agree with this. What kind of car just fucking explodes? That kind of stuff would most likely be the manufacturer or the mechanic's fault, and if the car wasn't sent to service when it was supposed to, you're out of luck. It's kinda like the house burning down because of bad wiring in a house. Either it's on you, or it's on whoever approved it. Nobody approved it? It's on you.

Also, a friendly reminder to actually read a contract before signing it.

I never get why people buy houses or set up business in a flood plain and then are surprised when they can't get the right insurance to cover flood damage.

[QUOTE=markg06;43342995]I never get why people buy houses or set up business in a flood plain and then are surprised when they can't get the right insurance to cover flood damage.[/QUOTE] It's kinda like why people live in those fucked up places where a slight earthquake would kill everyone. It's cheaper, you don't always have too much of a choice, and "lol whens the last time that happened". [editline]29th December 2013[/editline] The US is worst at this though. If you look at flood pictures it's houses that look like they could be flattened using a 2x4, built on soil that looks like it came straight from the walmart gardening section, and insurance that specifically notes that if your house gets fucked up by the kind of shit that happens in your area, that's your problem.

[QUOTE=mattmanlex;43342341]"I live in an area that has a high risk of X. I know, I'll get X insurance!" "Sorry, we don't insure X in a high-risk zone (that we set)." Yep, makes PERFECT sense.[/QUOTE] Isn't that what I said?

The wonders of insurance companies in the UK. They'll cover you for most thing, except flooding. Because they're cunts.

Aren't there any mutual insurers out there? As in, a group of friends all pay into a pot every so often, and when something bad happens, the group decides on who get's what of how much. Isn't that basically insurance?

[QUOTE=James xX;43344939]Aren't there any mutual insurers out there? As in, a group of friends all pay into a pot every so often, and when something bad happens, the group decides on who get's what of how much. Isn't that basically insurance?[/QUOTE] Flood damage is usually very expensive, it wouldn't be practical for a couple people.

Wait, so, please correct me if I'm wrong : They got flood insurance, because they were at a flood risk zone. But that flood insurance is useless because the insurance company doesn't cover flood risk zones? What the FUCK is the purpose of that insurance company in the first place if they don't cover areas where floods are going to happen? The fuck do they cover? Helicopters with water tanks accidentally being unleashed on your house?

[QUOTE=WaRRioRTF;43345096]Wait, so, please correct me if I'm wrong : They got flood insurance, because they were at a flood risk zone. But that flood insurance is useless because the insurance company doesn't cover flood risk zones? What the FUCK is the purpose of that insurance company in the first place if they don't cover areas where floods are going to happen? The fuck do they cover? Helicopters with water tanks accidentally being unleashed on your house?[/QUOTE] They probably got a normal cover-all insurance, which usually covers burglary and other such things that don't happen all that often. Obviously anything you are in high risk off is excluded. Like if there's an old tree hanging above your house, they obviously won't cover you for tree damage. Same for flooding.

Insurance firms are retarded. I mean the concept is shit all around. And you have to pay it by law but anything that you are in risk of they wont cover? So more or less you are paying for not being insured on anything. They should at least get all of their money back that they put into the insurance policy.

[QUOTE=Buck.;43345902]Insurance firms are retarded. I mean the concept is shit all around. And you have to pay it by law but anything that you are in risk of they wont cover? So more or less you are paying for not being insured on anything. They should at least get all of their money back that they put into the insurance policy.[/QUOTE] There are separate insurances for high risk dangers. No smart insurance company will insure you for same price if the chances of damage are so much higher.

[QUOTE=Buck.;43345902]Insurance firms are retarded. I mean the concept is shit all around. And you have to pay it by law but anything that you are in risk of they wont cover? So more or less you are paying for not being insured on anything. They should at least get all of their money back that they put into the insurance policy.[/QUOTE] No they are not retarded, they are businesses which have to make a profit (the fact they are this is IMO wrong but it is the case). They do this by attempting to insure only the lowest risks possible. People in high risk areas / categories (people in flood areas, high crime areas, people with heart problems etc) have to pay more to be covered by insurance purely because there is a higher chance that they will need more money from the insurance company in the long run.

[QUOTE=MrFlashcat;43338469]Why would the insurance company even sell them Flood insurance to begin with, if it's completely useless.[/QUOTE] I'm pretty sure the point is that they never bought flood insurance, just regular insurance. [editline]29th December 2013[/editline] [QUOTE=D3vils Buddy;43341771]Say if they are just out of the flood zone and there is a particularly bad flood and the water flows into areas not deemed as flood risk, the company can turn around and say "well in 2013 flood waters reached there and we now class that as flood zone" which voids the insurance. Insurers always have ways around the law.[/QUOTE] But the flood that destroyed your stuff would have been before that classification was set, which means they are still obligated to pay out. [editline]29th December 2013[/editline] [QUOTE=Oscar Lima Echo;43342970]What kind of car just fucking explodes?[/QUOTE] [video=youtube;dT0J0rcJTLo]http://www.youtube.com/watch?v=dT0J0rcJTLo[/video]

I live in Florida, specifically an area classified as a flood risk zone. Insurance companies outright refuse to give us flood insurance. Same with sink hole insurance, this area is also a high risk for that and they outright refuse to insure us against it. Honestly insurance companies only insure people who won't need to be insured, because then the company keeps getting money but never gets to pay it out. If an insurance company insured people who need it, they would have to actually pay them insurance money to fix damage, which means less money for them. It sucks.