
Originally Posted by
warthog
So this whole incident has given us here in Tampa Bay a bit of PTSD. Watching this happen and knowing the horrible truth for these people is heartbreaking. We feel lucky to just have had to deal with water. Here is a little breakdown of my life since Sept 27th. Sorry for the brain dump, but it should make sense by the end, hopefully.
Hurricane Helene (Milton didn't do much other than tree and a little roof damage)- We only had 1" or so of water in the house. We lost all flooring (beautiful white oak real hardwood) and 2 ft of every wall in the house. Most of the garage was toast with 26" of water throughout. Lost a safe (contents were salvageable but a mess to deal with), 2 vehicles (1 a company car- the other a 2015 QX that was starting to cost us a bit of $$ anyway). The rest of the garage contents were dried out, sprayed down with salt-away, and most stuff was able to be saved. Certain items worked for a while, but then died. I just replaced our variable speed pool pump yesterday. It was starting to be way too loud since the bearings were quickly going out. Other than that stuff, we got super lucky.
Water intrusion wasn't high enough to affect electrical. We got the water out fairly quickly, and we got mitigation crews in a day later, thankfully. You have about 72 hours to get the wet shit out before the black mold starts to take hold. Luckily, our cabinets in the kitchen and bathrooms were very high quality and didn't show any bit of damage from the water. I popped a few 3" hole saw holes in the bases and sprayed and dried them out. Good as new. We were able to save everything structurally except the floors and walls. We have been living here ever since. Our contractor can start on our house in March. We feel very lucky about all of this after seeing what neighbors and friends are going through.
Many more people had over 2 ft of water in the house. This affects electrical. 3-4 ft (might as well go to 4 ft- it is a full sheet of sheetrock) of drywall needs to be removed. Wiring needs to be replaced up to the junction in the attic. Sewer systems back up dumping fecal matter in your house (they don't mention this part in the news much). Everything in the house needs to be removed and sanitized. Cabinets, sinks, toilets, etc- all gone. Those people can't live there. They also can't find anyone to fix it. Again, we were lucky.
Getting paid by insurance is a whole other issue. We hired a public adjuster to fight for us. We just got paid last week. Full ride for structure and contents minus the mitigation charges and the public adjuster fee of 10%. Others are still waiting, or still fighting. They may need to hire a lawyer and lose 40% of it to that. Others had no flood insurance. They are stuck. We also had roof damage from the BOGO storms we got through here, Helene and Milton. That claim has yet to be settled, and is with our homeowners, not flood. We will hopefully find out on that claim by end of February. This is round three after they have tried to lowball and we fought. 3 separate inspections. We just fight till we get what we want. Most don't. I am sure they will drop us once they pay, but they will pay and I will have a new stone coated metal roof, so fuck them.
The other wrinkle to this has been FEMA. Because we live in a flood plain, the federal government can tell you how to rebuild. They use these disasters as a way to get everyone up to code in these areas. Since flood is federally subsidized, they can keep you from rebuilding. I have seen comments above about how the rich will rebuild, and developers will move in. Well that is what is happening here. Imagine your house gets flooded, insurance pays out, and you can rebuild and get back to your life. FEMA comes in and tells you that since THEY deem your repairs to exceed 50% of the value of the structure, you cannot rebuild. You have 3 options- raise the structure 2 ft over the current 100 year flood line (subject to change due to remapping by FEMA), knock the whole thing down and start over per current code for floodplain, sell as is for land value and let someone else (BlackRock) knock it down and start over. 3rd option is what is happening, A LOT.
So my point of all of this is, imagine now that your house is just gone. Everything you owned, gone. I can't even begin to imagine the hopelessness those poor people feel, same with the folks in NC, many of whom didn't even have flood policies. Insurance only pays so much. Flood policies are pretty standard- a certain $$ amount for structure, and another smaller $$ amount for contents. I know from experience that it is not enough to cover much of a substantial rebuild and replacement of lost items, never mind complete loss of everything. I hope a lot of these people had homeowners protection for fire, but it is sounding like a lot of those policies have been cancelled over the years. What do those people do, sell the land? Like was said above. Someone will buy it, and that area will become a fireproof fortress of the 1%. How is this handled by the county too? Obviously any structure that is a total loss will be rebuilt to current fire code, but what about those that are partially damaged? That is the big problem here, a house is only partially damaged, but FEMA demands they rebuild. Will that happen out there? Because fire damage isn't federally subsidized, does FEMA have any say?
Sorry for the rambling, but this has been my life since Sept 27th and this one got me thinking about the differences and similarities between our area and LA. Hard to say I can totally relate with them, because I can't. I just know what it feels like (slightly) and my heart goes out to them.
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