House flooded (1 Viewer)

[Tater]

During Kathrina we had a tree blow over and the roots cracked our bricks from slab to the roof. It even cracked the slab in one of our bedrooms. Our roof was pried up about an inch and our home owners insurance told it was caused by the flood.
We still are in a group suing the insurance company. Glad I can hold my breath for a long time.

 

[Complex Kid]

 

[bonnjer]

Oh no, not again?

 

[efil4stnias]

we were just discussing in office...LC got what another 11 inches today?

so again?

 

[Complex Kid]

Oh no, not again?

Unfortunately it looks like the water is over a foot deep this time and it’s still pouring over here.

Fortunately though we had only just started work to fix everything from the last flood (hurricane delta!). So we only had the new dry wall done and the baseboards down. Although it looks like everything we managed to salvage from the last flood and put in the garage is toast now.

After the last flood we applied with the parish to see if we qualify for the house to be raised or demolished and rebuilt higher. It was approved by the state and waiting on FEMA’s approval. I think flooding a third time in about 26 months will do it hopefully

 

[efil4stnias]

Unfortunately it looks like the water is over a foot deep this time and it’s still pouring over here.

Fortunately though we had only just started work to fix everything from the last flood (hurricane delta!). So we only had the new dry wall done and the baseboards down. Although it looks like everything we managed to salvage from the last flood and put in the garage is toast now.

After the last flood we applied with the parish to see if we qualify for the house to be raised or demolished and rebuilt higher. It was approved by the state and waiting on FEMA’s approval. I think flooding a third time in about 26 months will do it hopefully

ahhhh ffs man.

yeah i would think that this will do it. Repetitive loss should get you on the docket for elevation.

That is just brutal. loss for words.

 

[Complex Kid]

ahhhh ffs man.

yeah i would think that this will do it. Repetitive loss should get you on the docket for elevation.

That is just brutal. loss for words.

I would think FEMA would be tired of paying about ten times what I pay in insurance each year but you never know.

 

[Tapxe]

I would think FEMA would be tired of paying about ten times what I pay in insurance each year but you never know.

My parents house flooded repeatedly like that. They did the program where they sold it to the city and moved. That took forever though so not sure it's an option for you. Although things may move faster as it was all approved quickly enough and they had to wait on the president to sign off on the funding. The last admin wasn't too good about spending for regular tax payers.

 

[efil4stnias]

I would think FEMA would be tired of paying about ten times what I pay in insurance each year but you never know.

FEMA could care less- it aint their money.

Its ours ( policy holders and congressional funding ) Next time you get your declarations page, take a look at HIFAA , Assessment and Reserve assessment fees. In some instances, the fees are equal to the actual premium ( $375 fees and premium is $375 )

But yes, the elevation program really slowed down in S LA about 4-6 years ago. Insurance became insanely expensive for the elevation contractors- i actually just wrote a policy for one not 1 month ago.....i honestly didnt think he would purchase. lol.

And fwiw, i think they now assign you a contractor and they ALL must carry the proper insurance in the event something happens to your home during lifting process.

 

[Complex Kid]

FEMA could care less- it aint their money.

Its ours ( policy holders and congressional funding ) Next time you get your declarations page, take a look at HIFAA , Assessment and Reserve assessment fees. In some instances, the fees are equal to the actual premium ( $375 fees and premium is $375 )

But yes, the elevation program really slowed down in S LA about 4-6 years ago. Insurance became insanely expensive for the elevation contractors- i actually just wrote a policy for one not 1 month ago.....i honestly didnt think he would purchase. lol.

And fwiw, i think they now assign you a contractor and they ALL must carry the proper insurance in the event something happens to your home during lifting process.

I can imagine. I’ve watched several videos on how raising a house works and I don’t see how you can do it without something getting messed up even if done perfectly.

 

[zeetes]

Unfortunately it looks like the water is over a foot deep this time and it’s still pouring over here.

Fortunately though we had only just started work to fix everything from the last flood (hurricane delta!). So we only had the new dry wall done and the baseboards down. Although it looks like everything we managed to salvage from the last flood and put in the garage is toast now.

After the last flood we applied with the parish to see if we qualify for the house to be raised or demolished and rebuilt higher. It was approved by the state and waiting on FEMA’s approval. I think flooding a third time in about 26 months will do it hopefully

ouch. sorry

 

[jrdbrn]

My understanding is that if FEMA buys the house because of issues like this, that the land becomes useless and no one can build a permanent structure. Can someone verify?

 

[efil4stnias]

My understanding is that if FEMA buys the house because of issues like this, that the land becomes useless and no one can build a permanent structure. Can someone verify?

ive never heard of FEMA buying the land/home.

They will place you in the Severe Repetitive loss program which then qualifies you for grants to raise your home. Up to 75% of cost. ( and if State kicks in, usually 15% - its 90% ) and the average rate around 2009-11 was close to $100,000...of which 90k was pad for thru state/federal funds.

That was an average cost- obviously different from home to home.

 

[Complex Kid]

ive never heard of FEMA buying the land/home.

It is one of the options in the Severe Repetitive Loss Program:


• Acquisition or relocation of at-risk structures and conversion of the property to open space;
• Elevation of existing structures; or
• Dry floodproofing of historic properties

https://www.fema.gov/pdf/nfip/manual201205/content/20_srl.pdf

At this point I'm good with any of those.

 

[efil4stnias]

It is one of the options in the Severe Repetitive Loss Program:


• Acquisition or relocation of at-risk structures and conversion of the property to open space;
• Elevation of existing structures; or
• Dry floodproofing of historic properties

https://www.fema.gov/pdf/nfip/manual201205/content/20_srl.pdf

At this point I'm good with any of those.

yeah i meant in my 25 years in insurance, ive never heard of FEMA buying the property to become "open space" - they may do in very rural areas, but in metropolitan areas, it would cost them 3x the cost to elevate to give you FMV for your home. FEMA would be broke, flood insurance would be cost-prohibitive and we would be up schitts creek in S LA.

Baton Rouge got it again Tuesday as well. i have 2 clients in BR now doing tear outs. One is BACK in Lake Charles as well on a 6000 sq ft home they JUST FINISHED IN MARCH from 2020 Hurricane.

I dont remember a time when we have had this much precipitation to start the year.