After Hurricane Wilma, I sustained a minimum of $14800 damage to my barrel
tile roof. After my deductible, the insurance company gave me 11535 (3265.00
deductible). My only income is from Social Security so I applied to FEMA to
help me pay the deductible. I read in the papers and heard on TV how they
were giving away $2000 debit cards to everyone in Louisiana and Mississippi
among other goodies. I understand that a lot of these people are on Welfare
but I also understand their welfare checks are larger than my Social
Security check which I have to live on. At first FEMA referred me to SBA
for a low interest loan. I appealed and explained that there was no way I
could repay a loan on my income. They then sent an inspector down to verify
my damage. A month later they determined that I didn't have enough damage to
justify them giving me any aid. $14,800 damage isn't enough damage to a
person living on 1098 a month? Not only that, the lowest estimate I have
received to repair the roof is $17000. I'm trying to get my insurance
company to re-evaluate and give more money towards the roof but the fact
remains that I still have 3265 deductible which I can't afford. I don't want
to wave the flag or anything like that but I served 4 years in the U.S.
Navy, I paid taxes all my life and never got anything for free from the
government. What is the criteria the government uses to determine who gets
and who doesn't get? I have the answer in my mind but I won't put it in
I think the real problem here is that you saved nothing for your
retirement. A responsible person saves for the perverbial rainy day.
You did not. I don't feel that your irresponsibility should cause
other people's tax dollars to bail you out. try living within your
means. Living within your means includes saving a substantial portion
of your income for things like retirement and emergencies.
scott is a welfare bum...only someone receiving government handouts all
their life could be so callous.
write your local congressman or state rep...mention your veteran
status....go to the local news with your story......
Its sad that so many were hurt and I hope you get some additional help!
The US is big enough, perhapos we should have a nationwide disaster
insurance where in BIG cases the government picks up more of the cost
Certinally those in new orleans who lost everything from porely
maintained levees should be made whole. the government screwed up not
building them right from day one
They gave us SS, but that is going bust. They gave us Pension Benefit
Guaranty, but that is going bust. Somebody voted to reduce taxes.
Gonna' rob a bank?
No, some French trader screwed up by building a trading post there about
400 years ago. Tom Jefferson, I think, bought it from the French. The
rest is history :o)
Florida folks are getting their shorts in a bunch about the coming
increases in storm insurance. The state insures when nobody else will.
We don't want to pay for insurance, want to live on the water, and
want manna from heaven when the sky falls in. Don't want to pay for
national health insurance, but want everything it would cover if we
bought it. I'm working on a solution :o)
So are you suggesting that this is such a BIG case? The guy is out
the deductible of $3200. The insurance company his claim of $11,500.
And now you think the govt should cover the rest? I'm sorry, but I
don't think to have an emergency repair of $3200 is something
unexpected, or uncommon for any homeowner anywhere, with or without a
disaster. This happens all the time. Replacing a furnace can cost
What I would do is pursue the insurance company for a couple thousand
more, since he now believs that is what it will actually take to get
the work done. If he can show that the original estimate for repair
was low, and submit 3 valid quotes for a higher amount, they may
reconsider. Hopefully he didn't sign anything waiving his rights when
he accepted payment.
The problem was the silly idea you can actually be safe behind any
levee in the 140mph coastal wind zone.. They meed to barge in enough
dirt to get them 11' above sea level before they rebuild anything.
That is the FEMA rule everywhere else.
On Sun, 05 Feb 2006 22:16:49 -0500, email@example.com wrote:
The posts or whatever you call them didn't go down far enough. They
made this mistake 40 years ago, or was it more. Apparently it was
the fault of the Corps of Engineers, although where the fault lay
exactly, I haven't heard..
Remove NOPSAM to email me. Please let
me know if you have posted also.
On Mon, 06 Feb 2006 08:34:39 -0600, Frank Boettcher
It all depends on how close to the gulf you are and if it is a barrier
island. 11' is the inland rule. I am 3 miles from the beach and that
is code here. If you are on one of those sand bars people call
"islands" 17' is really not going to be enough.
On Mon, 06 Feb 2006 13:26:13 -0500, firstname.lastname@example.org wrote:
No it is not, at least on the Coast of Mississippi. Areas as far
north as interstate 10 which is in many places farther than three
miles, and is not on an island or sand bar, have been at 13' minimum..
And they are going to 17' as a minimum. And you cannot get your plans
approved for construction unless you fill or construct on a raised
foundation. And it still is not enough to offer protection. Nor can
you get federal flood insurance unless you meet the code.
There is no universal 11' inland rule.
On Mon, 06 Feb 2006 14:16:31 -0600, Frank Boettcher
That is right because it is really basaed on the flood map but here in
Florida where it is basically flatland all the way from the beach to
Orlando you can make somewhat blanket statements.
The government screwed up by building them in the first place. Nothing is
impenetrable and living below sea level is just plain risky. I don't want
any of my tax dollars going to rebuild. I'd rather see it spent to relocate
those people and give them a start elsewhere..
Jerry L wrote snip<" I paid taxes all my life and never got anything
for free from the
And now you do? It's a bad thing when people expect the fed to
come to their financial rescue. "We're here to help". Tom
On 5 Feb 2006 08:55:56 -0800, email@example.com wrote:
All he will find out is Florida windstorm insurance sucks. That was
the price we paid to get any company to offer any insurance at all.
After Andrew virtually every company simply wanted to stop writing
homeowner insurance in coastal Florida. I bet Mississippi, Alabama and
Louisianna are going to see the same thing.
BTW for you folks who don't understand, the OP must be buying the low
deductible insurance at a signifgicant premium to get his deductible
that low. Mine is closer to $10,000.
The twisted reality is the fact that he has any insurance at all is
what is hanging up help from FEMA
Who in the hell do you think you are to assume anything about me. Maybe I
did save for the rainy day and maybe catosthrophic medical bills wiped it
out. This responsible person has worked since he's 11 years old, served in
the military and paid taxes all his life. I'm irresponsible? You better pray
to your God that nothing ever happen to you or your family where you get
financially wiped out and while you're praying to him, ask him to give you a
little bit more brains.
I think those people lost their entire homes, not just damage to their
Those with dependant children you may well be right.
You could well argue that the damage is now 3265, your deductible.
But tile roofs are expensive. Storms are inevitable. 22% deductible
is pretty high, and one bears the risk that it won't be enough. I
have a friend whose mother lives in a condo in Floriday. (Condo
doesn't mean someone is rich, anymore than owning one's own home means
he is rich.) The whole n'hood sufferred roof tile loss. They are
being assessed by the condominum association to pay for part of it
(not all, because the CAssoc has storm insurance) and she has her own
insurance in addition that she expects will pay for most or even maybe
all of the rest. But she's paid for that insurance ever since she's
My mother occasionally complained that she was "insurance poor", but
she still bought it because she knew she had to have it. And if I paid
more attention to my situation, I might say the same thing.
BTW, I agree with having a high deductible. One should only insure
for risks one cannot afford to bear. For the rest, one can be a
self-insurer, and one doesn't have to pay for the insurance company's
profit or paper work. OTOH, you don't seem to be able to bear the
high deductible. What would the additional premium have been to have
a lower deductible?
You mean nothing exceptional. You got roads, police, fire, the
courts, an army, a navy, the FDA, the FCC, etc.
Would you want to trade places with those people on welfare whose
homes and all of whose belongings were totally destroyed?. Even if
there were not rainstorms, would like to live off of welfare?
How old are you? If you're considered too old to work (65?) and you
gave away most of your assets, you might be eligble for welfare too.
Would you want to live like that?
The US and the states have a general policy that even poor or
irresponsible people won't be left to die of exposure. It's
inevitably going to lead to results like your case that seem unfair.
But there is no "solution". If your losses were fully paid for,
people, not rich but with more money than you, or who bought better
insurance than you, who lost their roofs would think that paying you
It see,s they made some big mistakes in how they executed this, in the
case of these two strorms. Specifically it sounds like on the news
that the government paid the dailly rate to rent motel rooms instead
of negotiating a weekly or monthly rate. Unless they tried and
failed, which no news report I have heard or read has said, I think
that's pretty stupid. Heck, NYC hotels don't advertise a weekly rate,
but when my mother went to visit my brother there (in 1964) , what
she did the first day was go to about 5 nearby hotels and find which
would give her the next 7 days for the cheapest rate. A couple
offered no weekly rate, including the one she was staying at. But the
one across the street was about 40% or 50% off since she wanted to
stay a week. Maybe the demand exceeded the supply and no motel would
Remove NOPSAM to email me. Please let
me know if you have posted also.
I am sorry for your loss. I had a tree through my roof a few years ago, so
I know how that feels.
My contractor met with the insurance company and explained why their
estimate was off. The insurance company agreed and paid me the higher
value. You "should" be able to get them to do it also. Maybe I just have a
good insurance company (OneBeacon) but I have found them to be very
reasonable over the years.
As someone else pointed out, the high deductible was your choice; while it
might be callous, you really don't have a right to complain about that now.
Good luck in dealing with the insurance company.
HomeOwnersHub.com is a website for homeowners and building and maintenance pros. It is not affiliated with any of the manufacturers or service providers discussed here.
All logos and trade names are the property of their respective owners.