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re: OB Advice-My House Flooded
Posted on 8/30/17 at 12:35 pm to MWP
Posted on 8/30/17 at 12:35 pm to MWP
My house flooded last august. Take pics and video everything possible. Do not wait on adjuster to start ripping out stuff get everything needs to dry out. Not sure about your ceiling height but if its 8ft and you have 4ft or more of water rip out all the way to the ceiling. Put all insulation in bags. FEMA is a crap shoot. I lived in my camper in my driveway for 8 months. I had flood insurance but no content now I have both. Good luck to you.
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Posted on 8/30/17 at 12:55 pm to MWP
My daughter's home flooded last August in La. Take pictures, rip out carpets and cut drywall above water line. Don't give up on appliances except fridge if it has old food. start a claim with FEMA. Don't wait. I know some La building supply companies will start trying to sell into Texas as soon as possible considering. Expect to pay $35-45K out of pocket and you may get half back from FEMA. Good luck. Find contractors now before they are hired away. Watch out fore scams. Don't pay in advance. No cash. Pay when job is finished. Buy supplies and materials yourself. Don't trust anyone you don't know. Good Luck
Posted on 8/30/17 at 12:57 pm to cajuncarguy
that $35 to 45K is you and friends/family doing a lot of the work.
Posted on 8/30/17 at 1:00 pm to TU Rob
My son in law lost almost 20 lbs running his company during the day and working at night. Took 2 months to get back in.
Posted on 8/30/17 at 1:03 pm to cajuncarguy
quote:
that $35 to 45K is you and friends/family doing a lot of the work.
Yep, I'm at close to $45k now for a three bedroom and I did all the work sans the drywall/texturing and some flooring. But, we used the flood as an opportunity to rebuild with the finishes we wanted. I also have a bathroom left to finish. We probably could have done it for 25K to make it just livable. FEMA gave us $14k.
Posted on 8/30/17 at 1:04 pm to MWP
Download a timestamp app for your pics.
Posted on 8/30/17 at 2:11 pm to MWP
Document everything that is lost with photos and values for income tax purposes and hire an accountant. The IRS will probably be a bigger friend to you than FEMA. SBA loan is good to use to get started BUT be aware if it sounds to good to be true it probably is. There are strings attached especially when you go beyond $25k.
Posted on 8/30/17 at 2:13 pm to MWP
Lots of good advice in here.
Make sure that first load of debris is out as far from your house as possible and pile it high. There will be way more material than you think. Be the first person to go in and retrieve key items. You can't stop the demo to dig through each wheel barrow load.
Your cars will be the easiest part of the process. They will be totaled will minimal questioned asked.
Make sure that first load of debris is out as far from your house as possible and pile it high. There will be way more material than you think. Be the first person to go in and retrieve key items. You can't stop the demo to dig through each wheel barrow load.
Your cars will be the easiest part of the process. They will be totaled will minimal questioned asked.
Posted on 8/30/17 at 2:17 pm to MWP
if you don't have flood insurance, then just document all the damage with pictures and then gut your house. There is an SBA(small business Association) loan that you can get to help with the damages. the sba worked wonders after the flood here. i had a friend get a 130k to repair his house at 2.6% for 30yrs. FEMA can help with emergency funds until the SBA came come thru. the average turnaround on the SBA loan is about 3 weeks. start now and beat the rush. The sba will send out an adjuster but they are very fair.
Posted on 8/30/17 at 4:53 pm to MWP
Best thing to do is document (photos/video) everything you can before you start ripping out and throwing away stuff. And once its been gutted, have a mold remediation professional come in to spray to make sure you don't end up with mold growing after you do repairs.
SBA has low interest disaster assistance loans to help with repair costs if you need it.
Did you have full coverage or liability only? As long as you have "comprehensive" coverage, car insurance will cover it and its almost assuredly going to be paid out as a total loss if you had 4' of water. So you'd basically get whatever the blue book value is.
SBA has low interest disaster assistance loans to help with repair costs if you need it.
quote:
What about my vehicles? Does car insurance typically replace those?
Did you have full coverage or liability only? As long as you have "comprehensive" coverage, car insurance will cover it and its almost assuredly going to be paid out as a total loss if you had 4' of water. So you'd basically get whatever the blue book value is.
This post was edited on 8/30/17 at 4:54 pm
Posted on 8/30/17 at 4:57 pm to Tiger Prawn
What's the story with the shed?
Posted on 8/30/17 at 5:00 pm to Muice
if you had comprehensive on vehicles - they are covered
Posted on 8/30/17 at 5:44 pm to MWP
I cant offer any help personally but I can tell you that my neighbor and good friend is a contractor here in BR. He and other contractors are already assembling an army of workers and material to head in when the Cajun Navy pulls out. They are already making sure they have all the insurance, bonds and licenses squared away for those that didnt for Texas.
The [good] contractors here are experts in flood damage repair and how to deal with insurance, FEMA, SBA, etc. I wouldnt hesitate to contact a contractor from BR area. Be sure to go off of reputation/referral and ask for contractor to have a contract limit in your own contract. One of the biggest things that ate people here was one contractor being able to sign and work on 30+ houses at the same time. Houston will be worse.
Good luck
The [good] contractors here are experts in flood damage repair and how to deal with insurance, FEMA, SBA, etc. I wouldnt hesitate to contact a contractor from BR area. Be sure to go off of reputation/referral and ask for contractor to have a contract limit in your own contract. One of the biggest things that ate people here was one contractor being able to sign and work on 30+ houses at the same time. Houston will be worse.
Good luck
Posted on 8/30/17 at 5:49 pm to choupiquesushi
Great advice here.
I'll add that a wheelbarrow is a huge help hauling out wet rock and insulation.
If sheet rock is hung vertically and you are only removing 4ft, pop a line and cut shallow with a cordless circular saw for clean lines when you rebuild. Wear a mask.
Good luck.
I'll add that a wheelbarrow is a huge help hauling out wet rock and insulation.
If sheet rock is hung vertically and you are only removing 4ft, pop a line and cut shallow with a cordless circular saw for clean lines when you rebuild. Wear a mask.
Good luck.
Posted on 8/30/17 at 6:01 pm to MWP
Seriously sorry for your loss man. I can't imagine, but i am interested to know what FEMA does for you. Are you pretty handy?
Surely they do.
quote:
What about my vehicles? Does car insurance typically replace those?
Surely they do.
Posted on 8/30/17 at 6:02 pm to AlxTgr
quote:
What's the story with the shed?
Bunch of us were in the storm thread on OT Friday night watching this guy Jeff on Periscope in Rockport where the storm made landfall. The shed was in his video stream and buildings around him were getting torn apart by 130mph winds, but the little blue shed held on and a legend was born
Posted on 8/30/17 at 6:21 pm to 007mag
I got 3 feet last year. So good luck.
It's hard to know what you will get from FEMA, but the first order of purchase is contacting a cabinet guy and getting in line. You can add months by waiting around. It causes the whole house rebuild to fall on it. It will already take them a while to build as it is.
It's hard to know what you will get from FEMA, but the first order of purchase is contacting a cabinet guy and getting in line. You can add months by waiting around. It causes the whole house rebuild to fall on it. It will already take them a while to build as it is.
This post was edited on 8/30/17 at 7:03 pm
Posted on 8/30/17 at 6:38 pm to lsufan112001
quote:
Cabinet guy
This is a good idea as they back up quickly. I originally was going to go this route last year but with a little elbow grease and some woodworking skills I was able to salvage mine- granted they were all wood and way over built.
Posted on 8/30/17 at 9:00 pm to AutoYes_Clown
Just checking in to my thread. I haven't really had a chance to digest it all since I was able to boat back in to my house today to kinda do a quick damage assessment and get a few more personal items. Water is coming down quick. I might be able to drive in by Friday.
We are a lot better off than I thought. All of the antique furniture we elevated that we couldn't get upstairs made it. Unfortunately my vehicles did not. I have filed claims with insurance and FEMA.
I am going into my office in the AM where I can get on a real computer and not my phone to really dive into this thread. I may have a few questions in the morning. Friday or Saturday looks like a mega shite ton of labor ripping out sheetrock, wood paneling, wood cabinets, and brand fricking new hardwood floors I just put in back in June. I am also really concerned with looters.
There are so many civilian boats, kayaker, and canoes running in there now that it's gonna be really hard to tell who the honest people are and who the looters are bringing stuff out. All the houses now are sitting ducks. In fact, we busted a fake cop wearing an HPD golf shirt driving a freaking wave runner at the launching point telling everybody to evacuate because 6' more water was coming because the Lake Houston levee was about to breach. There is no levee at Lake Houston.
Finally, I just want to tell everyone here on the OB that has chimed in with advice that I truly appreciate it.
We are a lot better off than I thought. All of the antique furniture we elevated that we couldn't get upstairs made it. Unfortunately my vehicles did not. I have filed claims with insurance and FEMA.
I am going into my office in the AM where I can get on a real computer and not my phone to really dive into this thread. I may have a few questions in the morning. Friday or Saturday looks like a mega shite ton of labor ripping out sheetrock, wood paneling, wood cabinets, and brand fricking new hardwood floors I just put in back in June. I am also really concerned with looters.
There are so many civilian boats, kayaker, and canoes running in there now that it's gonna be really hard to tell who the honest people are and who the looters are bringing stuff out. All the houses now are sitting ducks. In fact, we busted a fake cop wearing an HPD golf shirt driving a freaking wave runner at the launching point telling everybody to evacuate because 6' more water was coming because the Lake Houston levee was about to breach. There is no levee at Lake Houston.
Finally, I just want to tell everyone here on the OB that has chimed in with advice that I truly appreciate it.
Posted on 8/30/17 at 9:31 pm to MWP
quote:
we busted a fake cop wearing an HPD golf shirt
I was going to tell you the threat of looters tends to be drummed up by news crews but that is sketchy.
My offer still stands though. I'm taking a half day and heading to Texas Friday. My BIL and I can at the least give you one full day of help whether it be Saturday or Sunday and my Monday is free, I just want to be back to BR before 1 am Tuesday. Email me at my username @outlook and I will give you my cell phone number if you're wanting help. You got this!
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