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Message
re: $32K max from FEMA but the average is $7500 paid out?
Posted on 8/17/16 at 12:00 pm to stout
Posted on 8/17/16 at 12:00 pm to stout
The $7500 is the average from "past flooding events", not from this flood. After Katrina tons of people were getting FEMA money and literally had no damage to speak of. They probably got $1000 or whatever so the $7500 average makes sense. I cant speak for how it will play out now, but everyone I know who had significant damage from Katrina got the max FEMA was offering and most got the max from their flood policies (even above what their actual losses were). Adjusters were having the homeowner submit a list of contents that were lost with prices so obviously no one was cheating themselves on the values.... Most people made out good financially (not minimizing the stress or depressing events, just speaking raw dollars).
1
Posted on 8/17/16 at 12:00 pm to stout
Just curious...do poor people get larger checks or does the gov't just screw everyone?
Posted on 8/17/16 at 12:01 pm to Nado Jenkins83
If you put them out on the streets with nothing it will likely cost you more in the future anyway. Get them back to where they were and they will not have to rely on the government at all once that check is written. Quite simple man.
Posted on 8/17/16 at 12:02 pm to Golfer
quote:
If you're referring to the larger number of people that took on water and are not in a FEMA designated flood zone, surely you can understand the difference in applying for disaster loans. Considering its the same agency that certifies and approves these flood zones...they can make up for their error.
I support assistance. But that narrative that not being in a flood zone meant there was no need for insurance is a flat lie. I've spoken with numerous people who were flooded with no insurance...and every one of them had the internal conversation prior to the flood about whether they should have flood insurance.
He'll, I didn't get flooded, but can honestly say that prior to this, I've had this conversation with myself.
Accept assistance and be grateful that it is available. Don't convince yourself that it is someone else's fault.
Posted on 8/17/16 at 12:03 pm to Nado Jenkins83
quote:
if you are in a floodzone and don't have insurance you shouldn't get squat.
How much did they help the Road Home people with legitimate flooding?
A lot of people flooded were not in flood zones.
This post was edited on 8/17/16 at 12:08 pm
Posted on 8/17/16 at 12:06 pm to KG6
quote:
Is it? I read it as getting a bonus 7500 on average without having to pay any premium at all.
Some people live on really limited budgets. Senior citizens(like my parents) that live on mostly meager social security benefits. $400-500 a year on something they are told they don't need cause they don't live in a flood zone...that's a lot of money.
My parents aren't welfare queens, they have always been poor...but have worked for everything that they do have. There are from the generation where you work for what you want and don't take help unless you absolutely need it. I get some people are annoyed that "these people" may get govt money....but it's not like my parents are gonna be using this money to go buy big tvs and go on a cruise and shite. They are using this money to start all over.
Why can't people just be happy that they aren't facing what sooo many are facing right now. Talk about kick a man in the face when they are down.
Posted on 8/17/16 at 12:07 pm to member12
not sure. why don't you go look that up for me?
Posted on 8/17/16 at 12:08 pm to lsunurse
quote:
Why can't people just be happy that they aren't facing what sooo many are facing right now. Talk about kick a man in the face when they are down.
This. Hard not to empathize with people who had water in their homes right now.
This post was edited on 8/17/16 at 12:10 pm
Posted on 8/17/16 at 12:12 pm to lsunurse
quote:
told they don't need cause they don't live in a flood zone.
nobody is talking about them.
geez thought you were smarter than this.
its simple. you live in a paid off property in a flood zone. you don't want to pay for insurance or financially can't. maybe you should move out of flood zone then. all im saying.
Posted on 8/17/16 at 12:13 pm to Mrs. Amaro
And, don't believe it when you are told you don't live in a flood zone.
Posted on 8/17/16 at 12:14 pm to Golfer
quote:
If you're referring to the larger number of people that took on water and are not in a FEMA designated flood zone, surely you can understand the difference in applying for disaster loans. Considering its the same agency that certifies and approves these flood zones...they can make up for their error.
Just a little perspective. I read that the powers that be are calling this a 1000 year event. I looked up earthquake probability on the usgs website. See below
Now the way I read this is PGA % can vary from 2%(minor) to 8%(major). So LA has a 4% -8% chance of a minor earthquake every 50 years.
So everyone on their high horse assuming everyone in LA should carry flood insurance simply because it's LA should kindly show me the earthquake rider on their homeowners policy. I mean if we're talking probability, you are statistically more likely to receive earthquake damage than have a flood event of this magnitude.
This post was edited on 8/17/16 at 12:16 pm
Posted on 8/17/16 at 12:14 pm to The Mick
quote:
The $7500 is the average from "past flooding events", not from this flood. After Katrina tons of people were getting FEMA money and literally had no damage to speak of.
There will be thousands of people with no flood damage to their home or apartment file a claim with FEMA for spoiled food due to power outage. They will get a couple hundred bucks lowering the avg. pay out #.
Posted on 8/17/16 at 12:17 pm to Nado Jenkins83
quote:
nobody is talking about them.
Oh but they are. I've seen numerous threads with posters saying shite like "well everyone in LA should have flood insurance" and "well I'm not an idiot so of course I have flood insurance"
It's not like these people are partying it up saying "wooohooo FEMA checks are coming!" They know the FEMA money won't fix everything...but right now....it's a HUGE beacon of hope for many right now.
Posted on 8/17/16 at 12:22 pm to lsunurse
quote:
h but they are. I've seen numerous threads with posters saying shite like "well everyone in LA should have flood insurance" and "well I'm not an idiot so of course I have flood insurance"
It's not like these people are partying it up saying "wooohooo FEMA checks are coming!" They know the FEMA money won't fix everything...but right now....it's a HUGE beacon of hope for many right now.
well that isn't what was being discussed in this thread. but you and few others were quick to think that way.
Posted on 8/17/16 at 12:24 pm to elprez00
quote:
So everyone on their high horse assuming everyone in LA should carry flood insurance simply because it's LA should kindly show me the earthquake rider on their homeowners policy. I mean if we're talking probability, you are statistically more likely to receive earthquake damage than have a flood event of this magnitude.
Good post....and worth pointing out that a lot of flood victims here were not in flood zones. I still hope that a lot of people bought flood insurance in response to the flood event in the area in March/April 2016.
This post was edited on 8/17/16 at 12:27 pm
Posted on 8/17/16 at 12:25 pm to member12
For the folks arguing here I would like to present facts about Flood zones. I have heard and read hundreds of times "But I'm not in flood zone"
Every square foot of property in Louisiana is in a flood zone, I will call it the good, the bad and the ugly. The zones are a percentage of you flooding in any given year, the good zones are a lower and the bad and ugly are a higher percentage of flooding. The most common zones are:
The Good Zones B,C & X are generally where the ground is above the 100 year boundary or the property is protected by a structure like a levee.
The Bad: zones A1-A30 Areas where the ground is below the 100 year flood level and the flood level has been determined called the BFE base flood elevation. For new construction this is the elevation you have to build to.
The ugly: zone V1-V30 areas of 100 year coastal flooding with wave action. This would be the Grand Isle area.
If you have a mortgage on a structure in the good zones flood insurance is optional.
If you have a mortgage in either the bad or ugly areas flood insurance is required.
If you don't have a mortgage no matter the flood zone, flood insurance is optional.
Every square foot of property in Louisiana is in a flood zone, I will call it the good, the bad and the ugly. The zones are a percentage of you flooding in any given year, the good zones are a lower and the bad and ugly are a higher percentage of flooding. The most common zones are:
The Good Zones B,C & X are generally where the ground is above the 100 year boundary or the property is protected by a structure like a levee.
The Bad: zones A1-A30 Areas where the ground is below the 100 year flood level and the flood level has been determined called the BFE base flood elevation. For new construction this is the elevation you have to build to.
The ugly: zone V1-V30 areas of 100 year coastal flooding with wave action. This would be the Grand Isle area.
If you have a mortgage on a structure in the good zones flood insurance is optional.
If you have a mortgage in either the bad or ugly areas flood insurance is required.
If you don't have a mortgage no matter the flood zone, flood insurance is optional.
Posted on 8/17/16 at 12:25 pm to lsunurse
quote:
Oh but they are. I've seen numerous threads with posters saying shite like "well everyone in LA should have flood insurance" and "well I'm not an idiot so of course I have flood insurance"
It's not like these people are partying it up saying "wooohooo FEMA checks are coming!" They know the FEMA money won't fix everything...but right now....it's a HUGE beacon of hope for many right now.
FYI he is stuck on discussing the minute part of the SELA popuplation that were in flood zones that decided not have have flood insurance. He wont change subjects to discuss those 90%+ that werent in flood zones and didnt have insurance.
Posted on 8/17/16 at 12:26 pm to elprez00
quote:sorry but I call complete bullshite
mean if we're talking probability, you are statistically more likely to receive earthquake damage than have a flood event of this magnitude.
Posted on 8/17/16 at 12:27 pm to Odinson
quote:
My friend lost their entire house and was told that they will receive zero due to their income. Any suggestions??
If their income is good they will be ok, right?
The suggestion would be to accept the reality of the situation and wake up to the fact that they don't need to maintain their previous standard of living.
Posted on 8/17/16 at 12:28 pm to More beer please
quote:
YI he is stuck on discussing the minute part of the SELA popuplation that were in flood zones that decided not have have flood insurance. He wont change subjects to discuss those 90%+ that werent in flood zones and didnt have insurance.
thats what the OP quoted moron
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