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Im flooded!!!!!!!!!!

Old 02-27-2019, 07:00 AM
  #61  
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Originally Posted by fishingfun View Post
EVERYONE IS IN A FLOOD ZONE. People need to stop saying they are not in a FLOOD ZONE. YOU ARE IN A FLOOD ZONE PERIOD. You might not have been required to carry flood insurance to get a loan but that does not mean your not in a flood zone. If it was not required to get a loan then that puts you in a Preferred Flood Zone. The rate for the most coverage you can buy through the National Flood Insurance Program $250,000 Dwelling and $100,000 contents is around $480 a year.

Sign me up for that policy.......it's a lot less than the close to $4,000 premium we had to pay this year.
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Old 02-27-2019, 07:09 AM
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Don't know if it's to late, but around here a lot of people on the river ( Ohio) will turn on there tubs, sinks, and let them overflow in the house. This keeps the majority of sediment and small debris from collecting in the house. Just a thought. Sorry to hear man, Good luck.
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Old 02-27-2019, 07:21 AM
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Lodi - I don't know the process, and man hate it for you. Best thing you can do is be proactive and once the water goes down get everything wet out of the house. How much water are you getting? Be smart about what you cut out on the sheetrock - I.e. cut out the height that is devisable by 48" to make the rock go further when you put it back. Purchase dehumidifier(s), (I have one you can have if you have a way to get it from Biloxi) let that joker run and help with the moisture that will be in the wood. Really hate it for all the delta and folks impacted right now. Wish I was closer to you to help out but will still try however I can. Having been through Katrina down here I understand how bad it sucks. Don't listen to the negative guys on this thread, they are just grumpy old men. If you have any questions on the demo and put back of your house shoot me a PM, will be glad to discuss. This will be a great time for neighbors to come together and help each other out up there. What a mess.
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Old 02-27-2019, 07:28 AM
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the worst part of the clean up after a flood is the bath room areas, when the sewage backs up and flows out into the house it gets bad quickly.
even tile floors tend to get some of that bad water under them
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Old 02-27-2019, 07:32 AM
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then don't be a farcking drain on the system. be a man and fix it yourself.
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Old 02-27-2019, 07:36 AM
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I agree that the government should not bail out people without insurance; however, I'd rather seen them help US citizen taxpayers than send all the money overseas like we do.
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Old 02-27-2019, 07:39 AM
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Still waiting on my Harvey money.
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Old 02-27-2019, 07:51 AM
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The only solace I can offer is that if the president designated the area where your house is located to be a disaster area your loss was a result of the event triggering that loss you will qualify for taking adeduction on your federal tax return under the new tax laws. Otherwise casualty losses are not deductible under the Tax Act passed last year.
If the house is a rental property, flood insurance would only reimburse you up to the depreciated value of the building but you would have to carry flood insurance on the full appraised value of the dwelling.
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Old 02-27-2019, 07:52 AM
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Originally Posted by mystery View Post
Huh?

What if you live 200 feet above sea level in a house that is on a sloped property where no water can pool and it all runs downhill with no rivers, lakes, bodies of water nearby? That is considered a flood zone???
He's correct. My house is 170' foot elevation, not in a flood zone, water can't pool, and I have flood insurance.

I'm going to be another asshole in the thread. While I feel bad for the OP and know what it is like to have my home flooded it's just plain silly to live by a lake fed by 2 rivers and not have flood insurance.
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Old 02-27-2019, 07:59 AM
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Originally Posted by joshd472 View Post
He's correct. My house is 170' foot elevation, not in a flood zone, water can't pool, and I have flood insurance.

I'm going to be another asshole in the thread. While I feel bad for the OP and know what it is like to have my home flooded it's just plain silly to live by a lake fed by 2 rivers and not have flood insurance.
OP didn’t ask for your opinion about whether it’s ok to accept government disaster aid. He asked what to do about his flooded house.

A other thought I had - just as soon as you can get a generator or power on, get as many fans blowing as you can, ventilate the place ASAP. Will cut down or even prevent mold and mildew.
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Old 02-27-2019, 08:04 AM
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Originally Posted by mystery View Post
I wish i could find the article but there was one a few years ago that dug into the government subsidizing flood assistance in areas where the same home has been flooded not one, two, three but something like a dozen times. I think that is why they changed something saying they will not let you rebuild after one time. Wish I could find it or specifics on this rule.
Look up FEMA Repetitive Loss rules, long list of what you can and cannot do with respect to purchase of flood insurance and rebuilding structures. Not sure if they will still front the one time $30k for elevation/water proofing or not.
Good luck Lodi, gonna be a mess for awhile.

https://www.fema.gov/txt/rebuild/rep..._loss_faqs.txt
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Old 02-27-2019, 08:23 AM
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Originally Posted by AsurfAholic View Post


OP didn’t ask for your opinion about whether it’s ok to accept government disaster aid. He asked what to do about his flooded house.

A other thought I had - just as soon as you can get a generator or power on, get as many fans blowing as you can, ventilate the place ASAP. Will cut down or even prevent mold and mildew.
Actually he did but ok.
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Old 02-27-2019, 08:43 AM
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take pictures and gut asap , do not use bleach there are chemicals that work far better for this
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Old 02-27-2019, 08:52 AM
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When you self insure, it’s a financial decision, but it still sucks when it’s time to pay the claim. Hopefully you have a few years of having the house with no insurance, thereby you’ve saved a bunch of money on premiums. That might make me feel a little better, not much.

I’d hurry and gut 4 feet up, the water crawls up the insulation like a dang spider monkey after just a few days. My parent’s sprayed their Katrina house (6ft in the house) with bleach water, 2005, still going strong. I’m sure there’s better chemicals though.
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Old 02-27-2019, 09:48 AM
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Originally Posted by joshd472 View Post
Actually he did but ok.
i dont see it that way. He asked “what kind of assistance could he receive”, not “do you think it is morally ok for someone to receive assistance for uninsured flood damage.”

but ok.

not trying to be in a piss match. I guess I read the OP and kinda understood the guy is in a bit of a crisis mode here. Some people see a political debate, I see someone who needs people with the experience of disasters to chime in with advise.
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Old 02-27-2019, 09:59 AM
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Originally Posted by joshd472 View Post
He's correct. My house is 170' foot elevation, not in a flood zone, water can't pool, and I have flood insurance.

I'm going to be another asshole in the thread. While I feel bad for the OP and know what it is like to have my home flooded it's just plain silly to live by a lake fed by 2 rivers and not have flood insurance.
Your in a Preferred Flood Zone which is a flood zone.
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Old 02-27-2019, 10:01 AM
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Originally Posted by Kenner 23 View Post
Look up FEMA Repetitive Loss rules, long list of what you can and cannot do with respect to purchase of flood insurance and rebuilding structures. Not sure if they will still front the one time $30k for elevation/water proofing or not.
Good luck Lodi, gonna be a mess for awhile.

https://www.fema.gov/txt/rebuild/rep..._loss_faqs.txt
They will still pay the 30k if they deem your house to be in an area that will likely flood again.
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Old 02-27-2019, 10:05 AM
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Originally Posted by mystery View Post
Huh?

What if you live 200 feet above sea level in a house that is on a sloped property where no water can pool and it all runs downhill with no rivers, lakes, bodies of water nearby? That is considered a flood zone???
Yes you still in a flood zone.

Every one of us lives in a flood zone in the Unites States. According to the National Flood Insurance Program (“NFIP”), “everyone lives in a flood zone—it’s just a question of whether you live in a low, moderate or high risk area.”1 Coastal areas may be at a higher risk, but flash floods can occur in the desert.

https://www.propertyinsurancecoverag...-the-property/
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Old 02-27-2019, 10:11 AM
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go back no insulation, breadboard plywood and a chair rail so you can skip step one if it happens again.

This is great advice. My river cabin has been flooded in the past, and the previous owner did this very thing.
So when the ice maker leaked and saturated one wall it was a very quick fix.
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Old 02-27-2019, 10:14 AM
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Originally Posted by mac7769 View Post
I hope you get nothing. Without insurance, you should be on your own. Why the hell should I have to subsidize your lack of responsibility?

Retracted.
Some people can not get flood insurance you moron!
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