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Louisiana and Houston posters I have insurance/fema questions
Posted on 10/16/18 at 7:21 pm
Posted on 10/16/18 at 7:21 pm
As many of y’all know we’re in Panama City and got hit pretty hard by Michael. If anyone has any advice for dealing with insurance and fema please let me know. We’ve been working since the storm with no cell service and therefor no info.
Please let me know what y’all have learned from lessons in the past. Thanks guys
Please let me know what y’all have learned from lessons in the past. Thanks guys
8
Posted on 10/16/18 at 7:32 pm to PT24-7
Do you have flood insurance? Or are you relying on FEMA?
Posted on 10/16/18 at 7:34 pm to PT24-7
Pictures pictures pictures
Posted on 10/16/18 at 7:35 pm to PT24-7
File your claims with both flood and homeowners ASAP. Get your claim number and stay on top of it.
I would hope you’ve already done that.
Also, get your FEMA # As well.
I would hope you’ve already done that.
Also, get your FEMA # As well.
This post was edited on 10/16/18 at 7:37 pm
Posted on 10/16/18 at 7:40 pm to PT24-7
quote:
File your claims with both flood and homeowners ASAP. Get your claim number and stay on top of it.
I second this. Get a file folder and start getting organized. It’s a year of dealing with the whole rebuild process. Get on the adjusters schedule ASAP so you can get your rebuild money faster. Once contractors are booked, you will be waiting a while and paying higher prices. Get organized, clean out your own place and find a reputable contractor to rehab your house. Nothing worse than dealing with problems on top of problems.
Posted on 10/16/18 at 7:52 pm to PT24-7
Document EVERYTHING!!! Even time and dates of phone calls, who you spoke with, etc.
Do not pay the contractor until the work is completed. There’s going to be a lot of people trying to steal your insurance money.
Also, if you have to, the sba loan is great. if you ran a business out of your house, you will get more benefits.
Just be patient, it’s going to be a long hard process.
Edit: I just saw that you’re a contractor, keep good records of the work you’re doing.
Do not pay the contractor until the work is completed. There’s going to be a lot of people trying to steal your insurance money.
Also, if you have to, the sba loan is great. if you ran a business out of your house, you will get more benefits.
Just be patient, it’s going to be a long hard process.
Edit: I just saw that you’re a contractor, keep good records of the work you’re doing.
This post was edited on 10/16/18 at 7:55 pm
Posted on 10/16/18 at 9:38 pm to PT24-7
Also look into SBAloan, small business association. They doled out a shite ton of money after the floods to everyone. I think this money also never needs to be repaid. Does not require a business
Posted on 10/16/18 at 10:03 pm to PT24-7
Wind damage is covered by your homeowners insurance- water damage is Flood Insurance. You will 100% prefer working with your traditional homeowners insurance because Flood Insurance is a Federal Program and a bureaucratic bitch.
Good luck - SBA was offering 1% loans to us after the 2016 flood in Louisiana.
Good luck - SBA was offering 1% loans to us after the 2016 flood in Louisiana.
Posted on 10/17/18 at 5:32 am to PT24-7
When listing items that need to be replaced, be as specific as possible.
Example: "white 2-slice toaster" will get you a $35 white toaster from Target or Walmart. But, if you say "white Dualit New Generation Classic 2-slice toaster", you will get reimbursed for the price of that specific item, which is $200+.
It is really easy to leave a lot of money on the table by not being specific. It is also really difficult and time consuming to provide that much detail, but you owe it to yourself. Good luck!
Example: "white 2-slice toaster" will get you a $35 white toaster from Target or Walmart. But, if you say "white Dualit New Generation Classic 2-slice toaster", you will get reimbursed for the price of that specific item, which is $200+.
It is really easy to leave a lot of money on the table by not being specific. It is also really difficult and time consuming to provide that much detail, but you owe it to yourself. Good luck!
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