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Started By
Message
re: Flood participants- what stage is your house in now?
Posted on 10/3/16 at 9:55 am to Kramer26
Posted on 10/3/16 at 9:55 am to Kramer26
quote:
Rebuilding without a permit is not a smart move. The city could make you rip it out and start over.
Yeah, I fricking doubt that. They can't do shite.
What's with all the negative nancys around here?
0
Posted on 10/3/16 at 9:55 am to madamsquirrel
Woodwork, with cabinets, tubs/showers and flooring remaining.
Posted on 10/3/16 at 10:02 am to madamsquirrel
I have insulation installed, sheetrock hung. Its being floated and textured this week. Cabinets are being built and Im waiting on doors, molding, trim so I can paint.
Nothing from insurance yet.
Nothing from insurance yet.
Posted on 10/3/16 at 10:08 am to meauxjeaux2
quote:
and she more than likely will not ever be able to get the home insured and if she ever decided to sell it any potential buyers will not be able to finance it or have it insured. But hey,at least she has a place to live now
A couple of things are going on here that are worth mentioning. First, she does not have a mortgage or insurance. Never did. She was not willing to wait around for the city to tell her what she can and can not do. She also did not even bother with FEMA. She has the wherewithal to fix her shite and move on with her life, so that's what she did. She only got a foot to 18 inches of water anyway so it wasn't a big deal.
I wish Livingston parish all the luck in the world if they try and force her to pull sheetrock down. She's a bullheaded chick with more money than any reasonable person should ever need. I doubt very seriously she will be willing to entertain any conversations with the city/parish.
Posted on 10/3/16 at 10:16 am to Barf
So her situation is a one-off.
While meauxjeaux may be a little over-the-top here, many people are going to be cautious in a situation where there are so many unknowns and first-times.
While meauxjeaux may be a little over-the-top here, many people are going to be cautious in a situation where there are so many unknowns and first-times.
Posted on 10/3/16 at 10:20 am to ell_13
quote:i was simply saying what i heard the representative for the city of Denham Springs telling my friend last week. Was not trying to be insensitive at all ,just hoping someone isn't making a mistake by getting the stuff done before the word gets out that it's ok to do so.
While meauxjeaux may be a little over-the-top here,
Posted on 10/3/16 at 10:23 am to meauxjeaux2
It's a tough decision. You are taking a chance either way. If I hadn't waited on my permit, I'd be only a couple weeks away from moving back in. And the "inspection" was a joke.
Posted on 10/3/16 at 10:25 am to madamsquirrel
You are one of the lucky ones to find an apartment. I'm glad to hear that.
Posted on 10/3/16 at 10:48 am to madamsquirrel
We got all of our houses sheetrocked and ready for paint. Waiting on cabinets...
Posted on 10/3/16 at 10:55 am to ell_13
People that aren't waiting for proper inspections and permits are rolling the dice. If you're in Zone A/AE and your bottom floor is below the BFE, the floodplain manager is required to perform a substantial damage determination. Also, if you're in Zone A/AE and didn't have flood insurance before but received federal assistance from this, even SBA loans, you'll be required to get and maintain flood insurance on the structure forever. That means if you go ahead and rebuild without waiting for the substantial damage determination you would be fricked if it came back at greater than 50%. You wouldn't be able to get flood insurance without raising.
Posted on 10/3/16 at 10:58 am to andrewm
Took a hit on time waiting for the permit to be issued. We have sheet rock hung and textured, cabinets are made and waiting install, floors are bought, painter is scheduled.
Posted on 10/3/16 at 11:30 am to madamsquirrel
In-laws are living in their upstairs apartment. Sheetrock has been been put up and primed. Sheetrock work should be done by this week, and painting should also be done this weekend. Appliances are being delivered this week, counter-tops will be installed in a couple weeks. They are expecting to be finished by the end of this month, but they are also doing some re-modeling, on top of "fixing" the damaged parts of their home.
They were lucky that they knew a contractor and work began almost immediately. We've also pitched in and helped with a lot of the manual labor.
They were lucky that they knew a contractor and work began almost immediately. We've also pitched in and helped with a lot of the manual labor.
Posted on 10/3/16 at 11:48 am to Kramer26
quote:
Rebuilding without a permit is not a smart move. The city could make you rip it out and start over.
No they wont. Unless the work does not meet codes.
If it meets code, they will charge you double the normal fee cost and require you to sign a hold harmless latter.
Posted on 10/3/16 at 12:19 pm to madamsquirrel
One rental property the wood just finished drying and just had the Sheetrock delivered this morning. My brother in law is a commercial painter and sheetrock finisher and should have it up this week. Cabinets are built, trim ordered, and interior doors should be in next week.
Another rental property almost done just have a few punch list items to finish.
Another rental property almost done just have a few punch list items to finish.
Posted on 10/3/16 at 1:02 pm to meauxjeaux2
We are on Carol Sue St just off S Woodcrest and we are still trying to get estimates from realtor and contractors. Just trying to stay under the 51% threshold to not have to tear down and elevate.
Posted on 10/3/16 at 1:09 pm to LSUFANDS
What was the city's estimate?
Posted on 10/3/16 at 1:09 pm to andrewm
I didn't wait on a permit. But I'm in zone X, got 10 inches only. I purchased flood insurance last week.
Posted on 10/3/16 at 1:15 pm to andrewm
They haven't given me one yet. Still trying to get the permit into them. They told me to get some dumbed down estimates and get an appraisal from a realtor. The tax office had our house at fair market value of just over $64,000 and I believe the house was worth way more than that. Had a couple of contractor bids at $61,000 and $60,000.
Posted on 10/3/16 at 1:24 pm to madamsquirrel
Wells Fargo inspector came for inspection and reported house is 55% complete. Actual claim money received from Wells Fargo is 0%. They want me to hire a general even though I have all the subs lined up. The stories about Wells Fargo being evil are true.
Posted on 10/3/16 at 1:40 pm to LSUFANDS
You can't use a dumbed down estimate. Has to be a legit estimate from a licensed contractor to repair back to pre-flood conditions. Can't have a repair estimate for vinyl flooring if you had wood, for example. Then get a pre-flood market analysis of the house only (not including the lot) by a realtor. Public officials want to minimize damage so people will rebuild. But you'll be the one in a jam if the analysis isn't done per FEMA guidelines. Based on where you live, I'd be shocked if you don't have substantial damage. That area was devastated. 5'+ of water in most houses.
Btw I'm an engineer that does elevation certificates and have done a lot of research on this. Not trying to be a downer just stating the facts as the laws are right now. Good luck.
Btw I'm an engineer that does elevation certificates and have done a lot of research on this. Not trying to be a downer just stating the facts as the laws are right now. Good luck.
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