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Started By
Message
The wife called FEMA today......
Posted on 8/17/16 at 7:35 pm
Posted on 8/17/16 at 7:35 pm
Her mom passed 8 weeks ago and and is the executor of the estate.
We were in the process of moving everything out to get ready to sell when the flood hit. House is in (Woodland Ridge) a flood zone but her mom did not carry flood insurance.
FEMA told her that because the residence is not our primary residence we are not eligible for assistance.
The house recieved 2 feet of water.
Any helpufl info will be greatly appreciated
We were in the process of moving everything out to get ready to sell when the flood hit. House is in (Woodland Ridge) a flood zone but her mom did not carry flood insurance.
FEMA told her that because the residence is not our primary residence we are not eligible for assistance.
The house recieved 2 feet of water.
Any helpufl info will be greatly appreciated
15
Posted on 8/17/16 at 7:37 pm to brsa
Sorry to hear for your loss and wish you the best with this situation. Sounds like you are in a bit of trouble on this one.
I would recommend speaking with an attorney, but the chips are stacked against you right now
I would recommend speaking with an attorney, but the chips are stacked against you right now
Posted on 8/17/16 at 7:38 pm to brsa
Is it paid for or does she still have a mortgage?
Posted on 8/17/16 at 7:38 pm to brsa
Damn damn damn. I'm sorry to hear this. Good luck man, seriously!
Posted on 8/17/16 at 7:39 pm to brsa
You are going to need to get an estate attorney.
Posted on 8/17/16 at 7:42 pm to brsa
Good lord, that is a shitty situation.
Posted on 8/17/16 at 7:43 pm to Aristo
paid for.
Posted on 8/17/16 at 7:44 pm to brsa
quote:
in a flood zone but her mom did not carry flood insurance.
I believe you are not eligible for FEMA assistance based on this alone. Can someone verify this?
Posted on 8/17/16 at 7:45 pm to IT_Dawg
That is our next step. Just an odd situation.
Thank you Dawg
Thank you Dawg
Posted on 8/17/16 at 7:46 pm to MikeBRLA
I think you have it backwards. If you have flood insurance FEMA doesn't help. If you do NOT have flood insurance than FEMA might help.
Posted on 8/17/16 at 7:48 pm to MSTiger33
Thanks MS.
The wife chuckled when I said "I'm going to the OT"
The wife chuckled when I said "I'm going to the OT"
Posted on 8/17/16 at 7:48 pm to omegaman66
quote:
I think you have it backwards. If you have flood insurance FEMA doesn't help. If you do NOT have flood insurance than FEMA might help
That is not what I'm referring to. I'm talking about the fact that the house was in a flood zone, yet they elected to not get insurance.
Posted on 8/17/16 at 7:49 pm to brsa
Obviously I'd contact an estate attorney. But you may be able to sell this quickly after gutting it. The neighborhood is still desirable and you'll be able to find an Episcopal family that wants to be near the school and have the freedom to design/renovate to their specs.
Posted on 8/17/16 at 7:49 pm to brsa
Just an option if you don't want to spend a lot of money repairing:
Remove floors, sheetrock, and any other non-salvageable items. Try to save your lower cabinets if possible. Hang the sheetrock yourself and sale at a discounted price. In order for the buyer to get a mortgage, it will have to have "finished" floors. You can accomplish this by floor paint or a clear coating to the slab.
Good luck.
Remove floors, sheetrock, and any other non-salvageable items. Try to save your lower cabinets if possible. Hang the sheetrock yourself and sale at a discounted price. In order for the buyer to get a mortgage, it will have to have "finished" floors. You can accomplish this by floor paint or a clear coating to the slab.
Good luck.
Posted on 8/17/16 at 7:52 pm to brsa
Yeah that's a tough spot but remember FEMA is just there to get you in a livable situation, and fixing up a second house doesn't exactly fit that bill for their mission.
My guess is that once the estate is settled, whoever receives the house may become eligible for some reduced assistance.
Good luck.
My guess is that once the estate is settled, whoever receives the house may become eligible for some reduced assistance.
Good luck.
Posted on 8/17/16 at 7:56 pm to Golfer
We do understand this but think it's just kind of shitty situation. we have been cleaning everything out and have someone coming tomorrow to start the gutting.
Just a strange grey area and didn't know if anyone had a similar experience.
Just a strange grey area and didn't know if anyone had a similar experience.
Posted on 8/17/16 at 7:56 pm to brsa
Let me start with condolences for your mother-in-law.
Insurance covers property losses and would have been contractually obligated to the estate. But FEMA only assists the resident of the flooded dwelling. Y'all do not live there and do not qualify. Unfortunately an act of God reduced the inheritance, but fortunately it did not compromise your day to day existence. I take no joy in both of your loses.
Insurance covers property losses and would have been contractually obligated to the estate. But FEMA only assists the resident of the flooded dwelling. Y'all do not live there and do not qualify. Unfortunately an act of God reduced the inheritance, but fortunately it did not compromise your day to day existence. I take no joy in both of your loses.
Posted on 8/17/16 at 8:02 pm to brsa
Sorry for your family's loss.
I would imagine that the stress of this crisis isn't helping, and it is tough to deal with the loss of an immediate family member.
I would imagine that the stress of this crisis isn't helping, and it is tough to deal with the loss of an immediate family member.
Posted on 8/17/16 at 8:04 pm to PrivatePublic
Yes, that is exactly the they explained it but shite, still kind of screwed up. Was no fault of ours but an act of god.
Don't get me wrong we feel horrible for others who have lost everything while we a least get to go back to our home, but just seeking advice.
Don't get me wrong we feel horrible for others who have lost everything while we a least get to go back to our home, but just seeking advice.
Posted on 8/17/16 at 8:05 pm to PairofDucks
Doesn't help but no woe is us here.
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