- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Flood insurance advice needed/questions
Posted on 8/13/16 at 4:08 pm
Posted on 8/13/16 at 4:08 pm
So I'm in my truck with my house flooded out
When does an insurance company total your house. Is there a guideline per feet of water in it ?
About how many months will it take to get back into the house if it's to be repaired ?
When does an insurance company total your house. Is there a guideline per feet of water in it ?
About how many months will it take to get back into the house if it's to be repaired ?
10
Posted on 8/13/16 at 4:09 pm to lsufan112001
check out emergency.louisiana.gov. Saw that there is disaster relief info there.
Sorry for your loss and wish I could give you other info. Surely others will be along to help with info.
Sorry for your loss and wish I could give you other info. Surely others will be along to help with info.
Posted on 8/13/16 at 4:10 pm to lsufan112001
Your house will not be totaled. The drywall will be cut at 2' or 4' or 8' depending on water height.
Posted on 8/13/16 at 4:10 pm to lsufan112001
They wont total your house.
It can always be gutted to studs and redone
It can always be gutted to studs and redone
Posted on 8/13/16 at 4:10 pm to lsufan112001
Sorry got no advice, just wanted to say sorry about your house. Hope it works out as well as it can. Thoughts and prayers 
Posted on 8/13/16 at 4:14 pm to LucasP
thx guys.
Didn't think they'd total it but a lot will need to be replaced.
Didn't think they'd total it but a lot will need to be replaced.
Posted on 8/13/16 at 4:16 pm to Cosmo
Unless structural damsge, which is rare just from flood.
Posted on 8/13/16 at 4:25 pm to lsufan112001
your house wont be totaled...just went thru this back in march and almost again last night.
depending on size and whar kind of house it is...4-6 mos. could be shorter, could be longer.
start cleanup now... the faster you move the less probs with mold you will have. don't get caught up in boohooing...get to work...now!
depending on size and whar kind of house it is...4-6 mos. could be shorter, could be longer.
start cleanup now... the faster you move the less probs with mold you will have. don't get caught up in boohooing...get to work...now!
Posted on 8/13/16 at 4:28 pm to lsufan112001
I will say this, after Katrina I spent some times going to houses that I thought would need to be demolished and a lot of those were gutted and redone. They can do some pretty impressive stuff with a house that's been flooded.
Posted on 8/13/16 at 4:46 pm to lsufan112001
Word of advice. In times like this the shady contractors come out to take advantage of victims. If a contractor needs a large sum of money to get started he/she is not established enough to take on the job. Read over your contract and make sure you have time stipulations inserted. IE if he doesn't finish the job when he says he will barring no major problems, he doesn't get paid the full amount as agreed upon.
Posted on 8/13/16 at 4:51 pm to lsufan112001
Look up "substantial damage". The cost of repairs would have to be 50% or greater of the fair market value of the home.
Like others stated, homes that are inundated but do not experience high velocity flood waters rarely reach this threshold.
Like others stated, homes that are inundated but do not experience high velocity flood waters rarely reach this threshold.
Posted on 8/13/16 at 5:50 pm to lsufan112001
Like others have said, the house won't be totaled. I was working for Servpro the year Katrina and Rita came through, and did a number of house. Basically they'll measure up to a certain point above where the water got to, and cut out all the dry wall. Set up fans and dehumidifiers to dry it all out, spray a sporicide to kill any mold that might have started, then go back in with new sheet rock.
Posted on 8/13/16 at 5:50 pm to lsuroadie
quote:
start cleanup now... the faster you move the less probs with mold you will have. don't get caught up in boohooing...get to work...now!
This. As soon as the water recedes. Tear all the carpet and pads up and drag to curb. Then kill the power at the main box and start cutting your drywall out and taking it to the street as well. All of this obviously occurs after the insurance people have done their assessment though. Pictures and video are your friend in case you have to negotiate the settlement.
Posted on 8/13/16 at 5:56 pm to lsufan112001
First off you need to make sure you have flood insurance, which I hope and pray that you do.
It will take a while due to the availability of contractors in the area due to the flood. Good lock and God bless you guys that is a shitty problem to have happen to you.
It will take a while due to the availability of contractors in the area due to the flood. Good lock and God bless you guys that is a shitty problem to have happen to you.
Posted on 8/13/16 at 6:04 pm to BamaScoop
confirm you carry flood insurance. Flood insurance is not homeowners insurance.
.
Once water recedes take lots of photographs and confirm contents in home, location type depth of water types of flooring etc
.
Remove wet drywall from home swap, Usually 2', 4' and 8' intervals depending on depth of water. Remove wet contents and start air movement and dehumidifying asap.
.
Dont throw away debris and keep all photos and documentation/ damaged property until the "flood" insurer settles claim.
.
Once water recedes take lots of photographs and confirm contents in home, location type depth of water types of flooring etc
.
Remove wet drywall from home swap, Usually 2', 4' and 8' intervals depending on depth of water. Remove wet contents and start air movement and dehumidifying asap.
.
Dont throw away debris and keep all photos and documentation/ damaged property until the "flood" insurer settles claim.
This post was edited on 8/13/16 at 6:07 pm
Posted on 8/13/16 at 6:18 pm to rballa19
Would that be true even for a house with water like the one below?
Posted on 8/13/16 at 6:31 pm to novabill
Yes, this home is salvageable
Posted on 8/13/16 at 6:33 pm to wickowick
quote:
Your house will not be totaled. The drywall will be cut at 2' or 4' or 8' depending on water height.
I suggest you get in there and get our any flooring/carpet that needs to be removed. Take pictures and cut your drywall at the appropriate height. Spray down inside of open walls with bleach. Get some fans/air movers to get the inside dry.
Posted on 8/13/16 at 7:09 pm to WPBTiger
What about wood cabinets, with granite? They both come out ?
Page 1 of 2
Back to top
Follow TigerDroppings for LSU Football News