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.
On Mon, 06 Feb 2006 21:30:36 -0500, email@example.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.
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.
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!
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.
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!
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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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
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.
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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.
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.
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.
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.
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
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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