Sea damaged home

bringitbig

Well Known Member
Forum Supporter
That’s terrible for those affected. We’ve had super moons before, how is this one different I wonder. Is home owners insurance even a thing in PP?
 

Idyllwild

Active Member
Many and probably most homeowners insurance policies in the US won’t cover damage from tidal and wave action. I’ve got homeowners insurance through Portuguese, and they cover fire, theft, and not much else.
 

brokenwave

Well Known Member
In Mexico there is coverage for Hydro events, but the problem is many insurance companies won't cover beach front. Those policies that do have hydro coverage will cover catastrophic damage to your property only. So you need to add items like earthquake and HYDRO METEOROLOGICAL coverage as add on's, the policy will cost more. I added Earthquake coverage to mine and drove the cost up 50%. I'm use Pro Alliance for my insurance needs in Penasco. Paty is the main contact there.
 

fatboyharley

Well Known Member
That’s terrible for those affected. We’ve had super moons before, how is this one different I wonder. Is home owners insurance even a thing in PP?
The problem exists because over the years the shoreline has changed. What hasn't changed is the need for people to keep building closer and closer to the water and not back toward the road. Everyone wants the best view. The best views wins with the damage just ask Scott Getzer and what happened when he built a pier in front of his house.
 

Kenny

Well Known Member
Forum Supporter
I didn't go in there very many times through the years because I was always flying out of town to one of the estuary's and beyond, so could you tell me please, what years were those frontline home's shown built? I'd also be curious to know what their expectations were as far as the life expectancy of their place was then compared to now.
 

fatboyharley

Well Known Member
Starting in the mid 90's to current Each new home wanted a better view so they kept pushing their house closer to the water and father from the road.
 

Kelney

Well Known Member
I believe this was just a combination of a super moon (Very high tides) and high winds. Bad combo.
 

Mexico Joe

Cholla Bay 4 Life
In Mexico there is coverage for Hydro events, but the problem is many insurance companies won't cover beach front. Those policies that do have hydro coverage will cover catastrophic damage to your property only. So you need to add items like earthquake and HYDRO METEOROLOGICAL coverage as add on's, the policy will cost more. I added Earthquake coverage to mine and drove the cost up 50%. I'm use Pro Alliance for my insurance needs in Penasco. Paty is the main contact there.
Being on the San Andreas Fault line, historically, has the surrounding RP/Cholla Bay area ever experienced a big one? Definitely had at least 2 or 3 5.0's in the last 10 years if I remember correctly. The one a few weeks ago was near 5.0 I believe. North of Santa Clara?
 

brokenwave

Well Known Member
Joe, you may know this already from fishing Pinto Pt. there is an earthquake monitoring station at Pinto Pt.
It's a few yards to the right of where this Pic was taken.

PP.jpg
 

mexicoruss

Lovin it in RP!
My feeling is that for each new sea wall that is built it will affect some change in the way the waves break in a super moon high wind event. Couple that with what some say is global warming or other man made changes too the earth I would say that all of it together is the reason we are seeing so much damage to these homes. Before sea walls, the house was built away from the high tide line and between the house and the high tide were dunes....that is not the case anymore. I would not live beach front as anything your neighbor does to protect his property can have an effect on you.
 

Mexico Joe

Cholla Bay 4 Life
Joe, you may know this already from fishing Pinto Pt. there is an earthquake monitoring station at Pinto Pt.
It's a few yards to the right of where this Pic was taken.

View attachment 16940
Beautiful picture!!!!! You're making me miss CB more than ever right now.

Nope! I was not aware of that.

Do you know what the largest recorded earthquake in the area was? Is it USGS data or does Mexico have their own agency?
 

Mexico Joe

Cholla Bay 4 Life
My feeling is that for each new sea wall that is built it will affect some change in the way the waves break in a super moon high wind event. Couple that with what some say is global warming or other man made changes too the earth I would say that all of it together is the reason we are seeing so much damage to these homes. Before sea walls, the house was built away from the high tide line and between the house and the high tide were dunes....that is not the case anymore. I would not live beach front as anything your neighbor does to protect his property can have an effect on you.
I would tend to agree with that. Humans have added a variable into the mix. Generally variables have an effect on the outcome of the experiment, IE new moon waves. Sea rise is a fact. Why the sea is rising is the discussion so that has to be a factor too. What I don't understand, in a practical sense, what is another 20 feet closer doing for your property? I'd argue the view is identical.
 

brokenwave

Well Known Member
Beautiful picture!!!!! You're making me miss CB more than ever right now.

Nope! I was not aware of that.

Do you know what the largest recorded earthquake in the area was? Is it USGS data or does Mexico have their own agency?
I don't know if Mexico has their own system, the antenna on the building is pointing towards Baja if that helps.
On another note
Joe, I spoke with my local friend and he feels it will be June before Penasco gets opened back up and that's only if CV cases
plummet in surrounding areas. I was sure hoping for a 2-3 week stay in Cholla before then.
 

Mexico Joe

Cholla Bay 4 Life
I don't know if Mexico has their own system, the antenna on the building is pointing towards Baja if that helps.
On another note
Joe, I spoke with my local friend and he feels it will be June before Penasco gets opened back up and that's only if CV cases
plummet in surrounding areas. I was sure hoping for a 2-3 week stay in Cholla before then.

When this first started it was hard to imagine not being able to go down for a while but the farther we venture into this mess it appears it may be a while. Sadly, from time to time I always contemplate when or what trip may be my last. You really never know. Every trip down now I try to at least take five minutes and remember that any one of these trips to Cholla Bay could be your last. Appreciate the place and appreciate how much I've been able to frequent it over the years. Until next time, somewhere over the moon.
 
Top