Notices
Like Tree46Likes

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

Old 02-26-2019, 04:02 PM
  #1  
Admirals Club Admiral's Club Member
Thread Starter
 
Join Date: Jul 2009
Location: LODI, MS
Posts: 653
Default Im flooded!!!!!!!!!!

Heavy rains and already high water has pushed the lake into my house. With a Emergency declaration what of any assistance could I possibly get? I don't know how any of this works..
Thanks guys.
LODI QUACKER is offline  
Old 02-26-2019, 04:07 PM
  #2  
Admirals Club Admiral's Club Member
 
Join Date: Nov 2012
Location: Charleston, SC
Posts: 8,126
Default

Not trying to be captain obvious but call your insurance agent?
twentynine likes this.
Double tyme is offline  
Old 02-26-2019, 04:17 PM
  #3  
Admirals Club Admiral's Club Member
Thread Starter
 
Join Date: Jul 2009
Location: LODI, MS
Posts: 653
Default

NO insurance. and no lectures please.
LODI QUACKER is offline  
Old 02-26-2019, 04:27 PM
  #4  
Senior Member
 
Join Date: Oct 2017
Posts: 504
Default

If a flood is declared a national disaster than fema will step in and provide grants in many cases. The SBA may also step in and offer a loan to make repairs at an extremely low interest rates 1 - 2 %. This also depends on how widespread the flooding was and other factors like of you are in a flood zone or not. Best advice I can give is to keep a positive attitude and be ready for a marathon.
Gary999 likes this.
chrisbtr is offline  
Old 02-26-2019, 04:29 PM
  #5  
Senior Member
 
Join Date: Oct 2017
Posts: 504
Default

Also not knowing your situation but of you needed to remodel anyway it will work out in the end.
chrisbtr is offline  
Old 02-26-2019, 04:32 PM
  #6  
Admirals Club Admiral's Club Member
 
Join Date: Jan 2007
Posts: 11,870
Default

Originally Posted by chrisbtr View Post
If a flood is declared a national disaster than fema will step in and provide grants in many cases. The SBA may also step in and offer a loan to make repairs at an extremely low interest rates 1 - 2 %. This also depends on how widespread the flooding was and other factors like of you are in a flood zone or not. Best advice I can give is to keep a positive attitude and be ready for a marathon.
There are plenty of people still waiting and going through the process from Sandy 6+ years ago.

I know several people that gave up long ago and rebuilt out of their own pockets

I would not rely on grants, especially if this is a second/vacation home

mystery is offline  
Old 02-26-2019, 04:42 PM
  #7  
Senior Member
 
Join Date: Mar 2013
Posts: 568
Default

lots of people here in Tx still trying to get help from Harvey.
best to just get it done any way you can.
and pay for the insurance next time.
I have paid for flood for over 30 years but have only needed it once for a few thousand $
99yam40 is offline  
Old 02-26-2019, 04:46 PM
  #8  
Admirals Club Admiral's Club Member
 
Join Date: Jan 2007
Posts: 11,870
Default

i dont recall specifics from Sandy but I think there are requirements that come with taking grants etc. I.e. you might need to rebuild elevated and if you dont the next flood could mean you are not allowed to rebuild.
mystery is offline  
Old 02-26-2019, 04:48 PM
  #9  
lps
Senior Member
 
Join Date: Jul 2003
Location: NENC
Posts: 817
Default

Sorry to hear about your flood. I've been through it twice with my office, once in 1997 with Hurricane Floyd (got about 5 feet of water in the office, and it hung around for about 3 days before receding), and got about 5 inches in Matthew. Floyd was an absolute catastrophe. Fortunately, we had flood insurance on the building, but not contents. We ended up getting a low interest SBA loan to help rebuild. When my current office got flooded in Matthew, I had no flood insurance, but, fortunately, the flooding was not nearly as dramatic (5 inches vs. 5 feet). My wife and I did virtually all of the work to reopen after that flooding event.

My advice to you is to get all the wet stuff out of your house as soon as possible, including furniture, carpets, sheetrock, and insulation. You can just cut out the sheetrock up to the level it got flooded, and just pull out the wet insulation. Take a garden sprayer with clorox, and spray everything that got wet. Set up lots of fans and dehumidifiers, and let them work until everything is good and dry (might take weeks). Periodically spray clorox as everything is drying. Once it's dry, you can rebuild.

I wouldn't count on much help from the government. Without insurance, my experience is that the primary help is in the nature of loans, and they aren't usually available until months after the catastrophe. So you're kind of on your own for at least the initial response. My guess is that disaster relief money is going to be in short supply these days. We apparently have to build a wall to stop an invasion at our southern border.

I really feel for you. It literally took me years (decades) to overcome my "traumatic stress" over the flooding from hurricane floyd. Virtually all my nightmares for years involved rain and flooding. Rain became associated with doom and destruction. We got through it, but it sucked, and I wouldn't wish it on anyone.

Tingum likes this.
lps is offline  
Old 02-26-2019, 04:56 PM
  #10  
Senior MemberCaptains Club Member
 
Join Date: May 2003
Location: CT
Posts: 274
Default

Originally Posted by LODI QUACKER View Post
NO insurance. and no lectures please.
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.

Last edited by mac7769; 02-26-2019 at 06:19 PM.
mac7769 is offline  
Old 02-26-2019, 04:57 PM
  #11  
Senior Member
 
Join Date: Mar 2014
Location: S of Tallahassee on Apalachee Bay
Posts: 229
Default

Don’t depend on FEMA for squat.
Sweetwater500 is offline  
Old 02-26-2019, 04:58 PM
  #12  
Senior MemberCaptains Club Member
 
Join Date: Mar 2007
Location: pascagoula,ms
Posts: 9,050
Default

Originally Posted by LODI QUACKER View Post
NO insurance. and no lectures please.
are you self insured?
bluffman2 is online now  
Old 02-26-2019, 05:02 PM
  #13  
Senior Member
 
Join Date: Feb 2002
Location: NJ & MV
Posts: 3,836
Default

OP,
Sorry to hear. Did you have any advanced warning?

Originally Posted by bluffman2 View Post

are you self insured?
If he has no insurance than it seems by definition, he is self insured
aubv is offline  
Old 02-26-2019, 05:03 PM
  #14  
Senior MemberCaptains Club Member
 
Join Date: Mar 2007
Location: pascagoula,ms
Posts: 9,050
Default

Originally Posted by aubv View Post
OP,
Sorry to hear. Did you have any advanced warning?


if he has no insurance than by definition he is self insured
exactly. Hope he bank rolled enough to cover
bluffman2 is online now  
Old 02-26-2019, 05:06 PM
  #15  
lps
Senior Member
 
Join Date: Jul 2003
Location: NENC
Posts: 817
Default

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?

A@@hole.
Wow. There are some seriously hateful people in the world. When you are the victim of a disaster, I hope you get the same "love and care" you're showing here.
djy, Boataholic, GH02050 and 3 others like this.
lps is offline  
Old 02-26-2019, 05:07 PM
  #16  
Junior Member
 
Join Date: Jun 2016
Posts: 24
Default

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?

A@@hole.
really a rude stance to take. Iím as anti government as they come, and while I agree with you in principle, the fact is sometimes people get flooded who are not in a flood zone and have never been flooded until x natural disaster hit.

The reality is that the government ďassistanceĒ has been virtually useless. But in some communities itís all they got. With the vast sums that we give to Israel every single day, plus every single other country out there, the tiny amount allocated to helping local victims of devastating natural disasters is really the last place Iíd be looking to make a scene about.

for OP- get on a contractorís list ASAP. Chances are you are not the only one flooded and the good ones will book up fast leaving you choosing between billy the drunk, tommy the out of towner, and bitchy bitchface. Who knows what you will get. Pay a deposit get on the list of someone who is GOOD.

Dont wait for assistance, you will be waiting a lifetime and from what I hear from people trying to get help from Florence, they government wants you to expend every bit of your assets including retirement funds before they step in. Not sure if thatís true, we didnít flood, but the government assist people pretty much are screwed anyways.

Fisher-Price and Devil_Inside like this.
AsurfAholic is offline  
Old 02-26-2019, 05:08 PM
  #17  
Senior MemberCaptains Club Member
 
Join Date: May 2003
Location: CT
Posts: 274
Default

Originally Posted by lps View Post
Wow. There are some seriously hateful people in the world. When you are the victim of a disaster, I hope you get the same "love and care" you're showing here.
When I'm the victim of disaster, I will call my insurance company and have enough in savings to cover the deductible. He is on here begging from the rest of us to cover his lack of responsibility.
mac7769 is offline  
Old 02-26-2019, 05:09 PM
  #18  
Senior MemberCaptains Club Member
 
Join Date: May 2003
Location: CT
Posts: 274
Default

Originally Posted by AsurfAholic View Post

really a rude stance to take. Iím as anti government as they come, and while I agree with you in principle, the fact is sometimes people get flooded who are not in a flood zone and have never been flooded until x natural disaster hit.

The reality is that the government ďassistanceĒ has been virtually useless. But in some communities itís all they got. With the vast sums that we give to Israel every single day, plus every single other country out there, the tiny amount allocated to helping local victims of devastating natural disasters is really the last place Iíd be looking to make a scene about.

for OP- get on a contractorís list ASAP. Chances are you are not the only one flooded and the good ones will book up fast leaving you choosing between billy the drunk, tommy the out of towner, and bitchy bitchface. Who knows what you will get. Pay a deposit get on the list of someone who is GOOD.

Dont wait for assistance, you will be waiting a lifetime and from what I hear from people trying to get help from Florence, they government wants you to expend every bit of your assets including retirement funds before they step in. Not sure if thatís true, we didnít flood, but the government assist people pretty much are screwed anyways.

He lives on a lake.
mac7769 is offline  
Old 02-26-2019, 05:16 PM
  #19  
Admirals ClubCaptains Club Member Admiral's Club Member
THT sponsor
 
Join Date: Dec 2006
Location: At the floaters . . .
Posts: 9,320
Default

what lake?

my hunting property isn't too terribly far from Lodi?

Sorry to hear and i wish you the best possible outcome.
rbhankins001 is online now  
Old 02-26-2019, 05:26 PM
  #20  
lps
Senior Member
 
Join Date: Jul 2003
Location: NENC
Posts: 817
Default

Originally Posted by mac7769 View Post
When I'm the victim of disaster, I will call my insurance company and have enough in savings to cover the deductible. He is on here begging from the rest of us to cover his lack of responsibility.
Sorry, but that's pretty naive. When a disaster strikes, a lot of people find that their insurance doesn't cover what they think it would cover. Often, with insurance, all you end up with is a fight with your insurance company. It's good to have good neighbors, friends, and live in a country where its citizens care about each other. I don't see where he's begging from the rest of us to cover his lack of responsibility. He's asking for advice on how to deal with a crappy situation. You come on here and call him a A__hole. Look in the mirror.
lps is offline  

Thread Tools
Search this Thread