FEMA

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Is that your homeowners, your flood or your windstorm. There are 3 separate policies. The combined premium for me is about $3500 with the high deductible option. I do have the money to cover the deductible tho. In the last 3 storms that kicked our ass I never got up to my deductible but we took care of the problems ourselves. One big factor is how fast you start mitigating the damage. You don't go looking for tarps after the roof comes off (have one) and you make sure you do a good level of prep before the storm.
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On Mon, 06 Feb 2006 21:30:36 -0500, snipped-for-privacy@aol.com wrote:

That's for sure. The mother of the friend I mentioned had for decades a modest home in .. I think we were still in Tamarac, Fl, and they had iirc shutters that got bolted over the windows when storms were expected. Not the pretty shutters with hinges and louvers that one sees in the northeast, but solid ones. Of course this doesn't protect the shingled roof.
Now that she is old and widowed, the condo community she moved to sells, and I think everyone has steel shutters of the sort above, and the window frames were built with, or there has already been drilled, holes to accept the bolts that hold these steel shutters.
I'm sure it was dark in the apartment after their power failed but when the shutters were still on.
They also had these half-barrel tiles on the roof, and in a n'hood that has more than 1000 people, they lost a few hundred tiles, which is not many considering. I guess the bulk of the storm missed them. Their deductible is iirc 1% of the value of their condo. (maybe that is the average price of condos sold this year.) Since there is one apartment on top of another, 2 high, I don't know if the costs is shared by those two owners, or the entire cost is shared by everyone.
Remove NOPSAM to email me. Please let me know if you have posted also.
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My daughter is a state employee in a state that did not get the brunt of the storms. As part of her job she was working to get evacuees settled into housing, employment etc. She was also trying to locate missing relatives.
She pointed out one day during a phone call that FEMA is a four letter word.
Charlie
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Appeal your settlement to the insurance company. They should base their settlement on your $17,000 repair quote, not on the $14,800 repair estimate. At the same time, appeal FEMA's decision. Was your area declared a "federal disaster area"? If so, I believe you are entitled to a small grant from FEMA even if they're saying your damage isn't "enough". From my understanding FEMA wants to see what your insurance paid and will base your eligibility on the difference between what the insurance paid and what it will actually cost you to make repairs. Best of luck to you!

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I am appealing the insurance settlement but that doesn't help. No matter what they give me to repair the roof, I still have that deductible. I've already appealed to FEMA twice. Yes, my area was a Federal Disaster Area and received the most damage in the area. FEMA will not give me any grant, just a loan application for a "low cost loan". To quote what a "Low cost loan" is on their application: If you are not creditworthy the interest rate is 2% If you do have a good credit history the interest rate is 5.35%
Tell me what that means.
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clipped

Most likely to force folks to commercial lenders whenever possible.
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Sounds like you've done everything I can think of other than perhaps contact American Red Cross and see if they have any other resources for you. BTW, I applied for an SBA disaster loan, was approved (at the higher interest rate due to good credit - go figure!) and decided not to accept the loan because the reporting and follow up paperwork looked like a nightmare. Well, they are still sending me late payment notices even though their records show I've never accepted or cashed any of their checks. Unfortunately not the most efficient agency. Well, best of luck to you!
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Forgot to suggest in my previous reply that you contact a local chapter of United Way or other non-profit group like Catholic Charities. Even if they can't help directly, they may know of organizations that can help.
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--WebTV-Mail-28773-5686 Content-Type: Text/Plain; Charset=US-ASCII Content-Transfer-Encoding: 7Bit
Before you bash the gentleman for not having a lower deductible. The deductible for wind or hurricane used to be $500 on homeowners policies here in Florida.
New law went into effect in 2004. no matter what you chose for a deductible say $200 to $1000 or more for any other damage. The new law staes on every policy written in Florida. Deductible for wind or hurricane damage is 2% of the value of your house. 200K assessed value $4000 deductible.
You really can't change insurance companies here for homeowners ins. Companies are not writng new policies in Florida. Then you have to go with the state run Insurance company. They have just raised their premiums between 45 and 95%. And a lot of insurance companies like State Farm and All State and other companies have dropped peoples policies. Over 40K policies have been dropped in this state. and you don't have to live on the coastal regions for this to happen.
PJ
--WebTV-Mail-28773-5686 Content-Description: signature Content-Disposition: Inline Content-Type: Text/HTML; Charset=US-ASCII Content-Transfer-Encoding: 7Bit
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--WebTV-Mail-28773-5686--
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You should go pursue the SBA loan. Foe people over 65, the government does have loans that are deferred and become payable by your estate or at the time you sell your home (attached to the property not you). They also have loans with a 1% interest and low payments (like $35/month) again attached to your property. The SBA will help you figure out if you qualify for one of these. Don't throw away help just because it says "loan". My grandmother, also on a fixed income, used one of these to get her home a much needed repair. We have since paid it off.

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Thank you, I'll question them about this but the loan form they sent me is very explicit about the interest and terms.

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They'll always try to sell you the standard product first, but there are others out there. You just have to push a little to find them. I found out about the loan for my grandmother from the United Way Gatekeepers program. It is a program designed specifically to help the elderly and disabled. Try to look up the program in your area. Good Luck.

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Explain to them that you you have ties to Halliburton. You'll get a lot of money then.
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I survived Charlie and our whole area was trashed. Bottom line about FEMA is you have to be destitute to receive help. You must have been displaced due to your home being destroyed. To qualify for the low interest loan you must not be able to secure a loan any other way. In other words- have no credit or be a general low-life, drug addict, homeless bum etc. If you have good credit (me) you can qualify for a higher interest (8%) loan from the SBA but they will demand you account for every penny used for the loan, and the loan is "only to put your property back to where it was before the storm, NOT to upgrade or add anything new".
Bottom line- as mentioned here- don't depend on the government to help. Only my neighbors whose homes were trashed and unlivable got some help, and a couple got FEMA trailers (after 3 months). All of us who were still able to live in our homes, or had decent credit, were not qualified for any help except to be reimbursed for the cost of our generator and chain saws.
P.S. A home with a barrel tile roof in Fla is usually a pretty nice home. Usually only upscale homes have tile roofs. You were taking a chance living in a nice home while only able to live on Social Security. Maybe you should sell your place and downsize into something affordable to you, and easier to repair if needed.
thetiler
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Have you considered dumping the exceedingly expensive barrel tiles and re-roofing with something that will be covered by the $11,535? Here in Mississippi, a LOT of folks had to "downsize" some of their cosmetic appeal (self included) in trade for something more practical and more in line with their financial situation.
You might find a roofer who will take the barrel tiles off your hands in trade for some of the labor costs. Taking that route "might" allow you re-roof with a nice architectural shingle for the $11,535 you already have in the bank, negating the need for more funds from FEMA.
But, in answer to your original question - yes, FEMA actually did quite a lot for many in Mississippi (again, self included) but my situation is a little different in terms of extreme loss. With five feet of water in the house, virtually everything was destroyed, making it necessary to strip the entire house to the studs and the floors to the joists. And even with FEMA, my out-of-pocket expenses have (and will) far exceed what I recouped from both them and State Farm.
Pre-Katrina, I was not destitute at all and live in a modest neighborhood. However, post-Katrina, my wife and I lost our jobs at Grand Casino - both of which we had been in for eleven years. Perhaps FEMA looked at that too as a reason for their generosity... That, and the fact that we were NOT in a flood zone (we're 24 feet above sea level here) may have contributed to their decision as well.
Generally, folks here who "only" had roof damage (I know it's all relative) were unable to recoup much money from FEMA.
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Perhaps the original poster should get a job.
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Perhaps the original post, which is me is old and disabled? Some of you people are so quick to make derogatory judgements against people without knowing the facts. What if I answered your post and said "Perhaps this poster should get a brain".
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disabled? Some of you

against people without

this poster should get a

Jerry don't sweat it! This is usenet. Some people talk a lot tougher than they ever would to your face. Once you sift thruogh the crap you'll probably find that some folks actually give good advice. Good luck to you. I hope you find a way to stay in your house.
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Perhaps the original poster is sick and old and can't work.
Scott, I hope you never hit hard times.
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snipped-for-privacy@gmail.com wrote:

A lot of folks are on SS due to total disability. That is advice probably already considered. Life doesn't always go according to plan.
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