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(Fark)   Farkers who have dealt with floods, help. My house is under water after Hurricane Delta. Never flooded before. House likely is a loss, considering damage already done by Hurricane Laura. Any tips on what to be aware of or expect?   (fark.com) divider line
    More: Sad, Flood, Tropical cyclone, River, Insurance, National Flood Insurance Program, contest theme, Hydrology, Dam  
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1415 clicks; posted to Main » on 11 Oct 2020 at 3:35 PM (7 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



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2020-10-11 12:46:52 PM  
Does your homeowners insurance cover floods?
 
2020-10-11 12:49:44 PM  
Sorry for your loss. Photos and line items of things you lost help your insurance figure out value of items lost. The more time/effort you spend, the more money you can get back. At least that's how my motorcycle crash worked.
 
2020-10-11 12:50:09 PM  
You cannot take too many pictures of the damage. Do not hire people that just show up at your door. Do not pay more than 10% of quote upfront. Ask to pay on completion. Have your insurance certificate and policy.
 
2020-10-11 12:51:19 PM  

eurotrader: You cannot take too many pictures of the damage. Do not hire people that just show up at your door. Do not pay more than 10% of quote upfront. Ask to pay on completion. Have your insurance certificate and policy.


All this, and it will take 5x longer than originally expected.
 
2020-10-11 12:51:43 PM  
Expect to get f*cked by your insurance company.

If its overland flooding, then almost certainly only federal flood insurance will cover it.
 
2020-10-11 12:52:12 PM  
Mud and vermin.
Is the foundation concrete or just piers of unsecured block?
How much of the wood is Cypress? That stuff doesn't rot, so those parts are reuseable - assuming you can afford to rebuild.

VERY sorry for the financial hit in any case.
 
2020-10-11 12:52:27 PM  

itsdan: Does your homeowners insurance cover floods?


Homeowners almost never covers floods. You have to buy flood insurance separately.

I really hope you have flood insurance, subby.
 
2020-10-11 12:54:04 PM  
FEMA sometimes helps with rebuilding if you build with a level of buffer.
 
2020-10-11 12:55:53 PM  
I got nothing for you in terms of advice, but stay strong.  You'll get through it and rebuild your lives.  In the meantime, it's going to suck.
 
2020-10-11 12:57:30 PM  

eurotrader: You cannot take too many pictures of the damage. Do not hire people that just show up at your door. Do not pay more than 10% of quote upfront. Ask to pay on completion. Have your insurance certificate and policy.


This. Pictures and a video walkthrough.  Millions of pictures.  Right down to the content of your refrigerator and freezer.
 
2020-10-11 12:58:21 PM  

itsdan: Does your homeowners insurance cover floods?


It never covers flooding from the surface, only water damage from seepage due to rain or ice melt.

weddingsinger: Expect to get f*cked by your insurance company.


Ubfortunately subby, this is the correct answer.

Get everything wet pulled out and arrange what can be salvaged to dry and what cannot in a dump pile. Get the structure dry as soon as possible and line up an HVAC person as soon as you can to get the systems inspected and ready to be fired back up asap.

You can rest assured that if you do not have federal flood insurance you are totally f@cked. If you do have true flood insurance you might be okay depending on your policy.
 
2020-10-11 1:00:08 PM  
Oh, and if you weren't in a designated flood plain before and thus not eligible to purchase flood insurance you may rest assured that now you are and will be forced to but flood insurance.
 
2020-10-11 1:02:02 PM  
I'm useless as far as advice is concerned but I am really sorry you're going through this. I hope you have a safe place to stay while you are dealing with this.
 
2020-10-11 1:08:26 PM  
Completely submerged or flooded only up to waist high? Did you take steps to protect the property after Laura (tarps)? And can you document that (receipts for tarps, photos before Delta hit)?
 
2020-10-11 1:13:50 PM  
Storm damage is covered by insurance but not flood damage. If the structure has evidence of storm damage document it immediately. Is the roof damaged or tree limbs through the walls? Any pay out from your insurance company can help.
 
2020-10-11 1:20:53 PM  
Sorry, I hope it turns out as well as it can for you though.
 
2020-10-11 1:28:56 PM  
Set fire to your house. Then claim on your fire insurance.

/Not legal advice.
//Do not do this.
///As mentioned above clear it out and get it dry quickly, photograph everything and rebuild. Stuff can be replaced. Save documents, family photos etc. Furniture, blankets, carpet etc just throw away.
 
2020-10-11 2:18:44 PM  
move to lower ground. that should help.
 
2020-10-11 2:29:44 PM  
I believe if FEMA declares it a flood disaster, you can expect to receive money to repair or rebuild.
 
2020-10-11 2:33:58 PM  

itsdan: Does your homeowners insurance cover floods?


Homeowners insurance never covers flood. Flood insurance is national and a seperate policy required.

Got that?
 
2020-10-11 2:42:54 PM  
Homeowners doesn't cover floods, as has been covered here. But depending on how well insured the contents were, that may get you started on rebuilding.


Contact fema. Then do it again, at least once a week. They are slow as hell but usually, eventually , they come through.

Remember that water seeps. I believe the rule is remove 3 ft of drywall above the high water line.

I'm really sorry. Ive been there, and it sucks.
 
2020-10-11 2:45:08 PM  
I have no advice other than buy beer but I'm sorry you're going through this subby. Hope everyone in your fam came through it unharmed. Start a Gofundme and post a link. I've seen other Farkers do it.
 
2020-10-11 2:55:56 PM  

Wanebo: itsdan: Does your homeowners insurance cover floods?

It never covers flooding from the surface, only water damage from seepage due to rain or ice melt.

weddingsinger: Expect to get f*cked by your insurance company.

Ubfortunately subby, this is the correct answer.

Get everything wet pulled out and arrange what can be salvaged to dry and what cannot in a dump pile. Get the structure dry as soon as possible and line up an HVAC person as soon as you can to get the systems inspected and ready to be fired back up asap.

You can rest assured that if you do not have federal flood insurance you are totally f@cked. If you do have true flood insurance you might be okay depending on your policy.


Maybe not totally, if any of the damage from Laura was covered by subby's insurance. The question is whether there was enough time between the two storms to go through the whole claims process. Of course, I'm neither a homeowner nor in hurricane country, so I wouldn't know.

Also, thanks for the unexpected TF last week. I'd just been trying to find your name in a thread somewhere for the last few days to acknowledge that.
 
2020-10-11 2:59:02 PM  
Never call it a 'flood'.

It was a 'sump pump failure'.
 
2020-10-11 3:02:30 PM  
Subby here. Thanks for the comments. The property belongs to my mother, and I've been living there after Dad got sick and died 10 years ago. She has homeowners insurance, but canceled the flood insurance about two years ago when FEMA began raising the rates. Been talking to our neighbors and learned they did the same. At least we're all farked together.

We had tarps up from Laura's damage, which our adjuster told us was more severe than we imagined. We had unseen structural damage. He did the inspection a week before Delta, so we're still waiting.

Definitely taking tons of photos and videos. We spent yesterday removing items we wanted to salvage. I'll be making another pass today. The water is still rising.

So, I figured we were farked from an insurance standpoint. Still made a claim today. I submitted the damage report to our parish office of emergency preparedness for its FEMA assessment. But any advice is welcome, including "buy alcohol." 😁

The house and half-acre property were paid for, so I'm viewing this as a chance to do it right the second time. Family and all the animals (dog, cats, goats) are safe. I know it'll be frustrating, but it'll eventually work out.
 
2020-10-11 3:20:41 PM  
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2020-10-11 3:25:17 PM  

bayoukitty: Subby here. Thanks for the comments. The property belongs to my mother, and I've been living there after Dad got sick and died 10 years ago. She has homeowners insurance, but canceled the flood insurance about two years ago when FEMA began raising the rates. Been talking to our neighbors and learned they did the same. At least we're all farked together.

We had tarps up from Laura's damage, which our adjuster told us was more severe than we imagined. We had unseen structural damage. He did the inspection a week before Delta, so we're still waiting.

Definitely taking tons of photos and videos. We spent yesterday removing items we wanted to salvage. I'll be making another pass today. The water is still rising.

So, I figured we were farked from an insurance standpoint. Still made a claim today. I submitted the damage report to our parish office of emergency preparedness for its FEMA assessment. But any advice is welcome, including "buy alcohol." 😁

The house and half-acre property were paid for, so I'm viewing this as a chance to do it right the second time. Family and all the animals (dog, cats, goats) are safe. I know it'll be frustrating, but it'll eventually work out.


I'm so sorry. Document everything. Write down the names of the insurance people you speak with and the date, same goes for FEMA. Im glad youre all safe
 
2020-10-11 3:30:59 PM  

bayoukitty: The house and half-acre property were paid for, so I'm viewing this as a chance to do it right the second time. Family and all the animals (dog, cats, goats) are safe. I know it'll be frustrating, but it'll eventually work out.


Well at least you're not underwater on a mortgage....

Family and pets safe. That's the main thing. Stuff can be replaced.
 
2020-10-11 3:42:23 PM  
Sorry about that, subby.

My family's experience with flooding (washed the house away in 64, long before I was around) prompted the family to move to a different town.
 
2020-10-11 3:42:25 PM  
Mosquitoes.
 
2020-10-11 3:43:01 PM  

weddingsinger: Expect to get f*cked by your insurance company.

If its overland flooding, then almost certainly only federal flood insurance will cover it.


No flood insurance means your likely f*cked as the home owners insurance will definitely  try to blame overland flooding to wriggle out of paying or to pay as little as they absolutely must.
 
2020-10-11 3:43:06 PM  
Here's a copy and paste from a local insurance agent in Nola. It's all great advice.

To the evacuees returning from the storm.  Like many, I worked through the aftermath of Katrina and wanted to give some advice. This is not an exhaustive list but things to think about before heading back.
1.) It is now a marathon not a sprint.  Everything is going to move slowly.  Traffic, lines at gas stations, grocery stores, etc.
2.) Before you head back pick up these supplies: 
a. Tires- fix a flat. Debris will be all over the road not just from the storm damage but for weeks and months as contractors move debris across the area to dumpsites. Put in your budget the cost of a new tire.  The tire repair shops will be overloaded expect it to take a while.
b. Hand sanitizer but also anti-bacterial cream and ointments.  If you are going through flooded areas, all sorts of decaying matter will be in the water and open cuts and sores are the entry way for bacterial diseases. Lost a friend to a Blood disease he picked up after trudging through Katrina waters.
c. Work gloves. Heavy duty work gloves are a must. Get a few pair before heading back.
d. Gas cans. They will be in short supply back home. You may need some gas just to get back out of the area.  Utility companies and emergency response teams try and power up the grid along major thoroughfares which can get the gas stations up but getting fuel deliveries to certain areas will take time.
e. Wet wipes - this will be your bath, shower, only way to clean your hands sometimes.  
f. Toilet paper and Paper towels.
g. Water. Drinking water will be in short supply.
h. Rope, twine, ratchet straps and duct tape.
i. Some empty boxes to put things in you want to bring back.
j. Plenty of garbage bags.
k.      Food. Fast food and grocery stores may not be open for long while.
l. Ice. 
3.) Insurance issues:
a. Most insurance companies learned from Katrina they probably already have your file pre-loaded for a potential claim due to the location.
b. Adjusters will be in high demand and they will be on the way as soon as the way is clear and safe.
c. Some people who have nowhere to live, may get serviced before the person who has a damaged, but complete roof over their head.  This is how it should be. Wait your turn. It is a marathon not a sprint.
d. Keep all receipts. If you must buy something to keep the house from further damage, those cost can go towards your deductible.
e. Take plenty of pictures before you start repairs.
f. If you must tear out the house flooring. Keep small pieces of flooring, carpet, molding, etc. to show the adjuster as proof to the kind of quality you had in the house.
4.) Contractors:
a. Do not pay a contractor in cash up front.  You are going to be desperate for things to get done right away. Fight the urge to pay cash up front to any contractor.  There are some evil people in this world who prey on people in times like these.  They collect cash, do a little work, and leave in the middle of the night. The La. State board of contractors has a great brochure here: http://www.lslbc.louisiana.gov/wp-cont​ent/uploads/brochure.pdf
b. If you do hire a contractor get a copy of his certificate of insurance up front.  Make sure he has at a minimum General Liability and Workers Compensation insurance. If the form looks off, white out, missing dates, different fonts in filled in areas, call the agent on the form and verify if the insurance is still in effect. Ask questions and be prepared to wait for a licensed contractor...it is a marathon not a sprint.
5.) Communication:
a. If you can find one bring a battery-operated radio. Cell towers will be hit or miss, and texting will be intermittent as more people come back to the area.
b. Bring a battery back-up for your electronics.
c. Let someone know where you are going and when to expect you back. Watch your time when you get back and check in regularly. Time does weird things after a storm it speeds and slows with no rhyme or reason. one second you're thinking about lunch the next the sun is going down.
Take a break from clean-up and the devastation occasionally.  Go visit a friend or neighbor, lend a helping hand. 
You will see a tremendous outpouring of support from your fellow humans. There will be no gender, race, political or other dividers. Rich and Poor will be standing in the same long lines for gas , ice and water.  People will just be helping people. That is how it should be.
 
2020-10-11 3:43:11 PM  
As soon as the water goes down, rent as many high powered fans/blowers as you can. Other folk will have the same plan, so prepare accordingly.

A good reference:  https://topwindowfans.com/how-to-dry​-y​our-home-after-water-damage/

After that, a good, independent home inspector to isolate the main trouble areas and a general contractor you can trust.

Sorry for your luck, subby.
 
2020-10-11 3:49:21 PM  
If your insurance determines it was an act of "god" sue Álvaro Theiss from Brazil; he claims to be Jesus. As we all know, the father, son and holy ghost are three and the same. If he wants to take responsibility for your loss, make him pay or deny he is Jesus.
 
2020-10-11 3:50:56 PM  

puffy999: Sorry about that, subby.

My family's experience with flooding (washed the house away in 64, long before I was around) prompted the family to move to a different town.


Sounds line the Xmas flood, we got flooded too

Stay strong Subby
 
2020-10-11 3:52:53 PM  
Well, fark.  Speaking from a major flood claim experience, I was going to tell you to hire an independent adjuster.  But since your mom cancelled the flood insurance a few years ago, that advice is shot in the ass.

Invest or rent a commerical air mover and use it constantly.  You might be able to find one cheap on Craigslist or Facebook marketplace but these things dry things out a heck of a lot faster than fans.  Here's a link to one that is 3600CFM (cubic feet per minute).  I know it's a bit pricey but wanted to give you an idea of what it looks like.  You definitely one the highest rated one you can find at the least cost.
 
2020-10-11 3:54:23 PM  
If the waters rose, they often push sewage back through the plumbing. This is important for 2 reasons: 1) you need to clean this stuff up and 2) you might have a small claim for sewage in house due to rising waters.
 
2020-10-11 3:57:34 PM  

itsdan: Does your homeowners insurance cover floods?


If it doesn't, FEMA should.  Mistake a lot of people make is they only cut the dry wall at the high level mark, and replace everything, dry wall and insolation, below that mark.  You are actually allowed to go well above the flood mark.  I can't remember if it is one foot or three feet, but look it up.  You are allowed to do so because the insolation can soak water and rot upwards.
 
2020-10-11 3:58:11 PM  
Begin drying process ASAP. Photos from 2 different cameras (in case one crashes). Tear out. Pile at curb. Dry, dry, dry.

Very sorry for your ordeal...
 
2020-10-11 3:58:16 PM  

bayoukitty: Subby here. Thanks for the comments. The property belongs to my mother, and I've been living there after Dad got sick and died 10 years ago. She has homeowners insurance, but canceled the flood insurance about two years ago when FEMA began raising the rates. Been talking to our neighbors and learned they did the same. At least we're all farked together.

We had tarps up from Laura's damage, which our adjuster told us was more severe than we imagined. We had unseen structural damage. He did the inspection a week before Delta, so we're still waiting.

Definitely taking tons of photos and videos. We spent yesterday removing items we wanted to salvage. I'll be making another pass today. The water is still rising.

So, I figured we were farked from an insurance standpoint. Still made a claim today. I submitted the damage report to our parish office of emergency preparedness for its FEMA assessment. But any advice is welcome, including "buy alcohol." 😁

The house and half-acre property were paid for, so I'm viewing this as a chance to do it right the second time. Family and all the animals (dog, cats, goats) are safe. I know it'll be frustrating, but it'll eventually work out.


Post a GoFundMe link.  I'll throw in some help.
 
2020-10-11 3:59:01 PM  
Expect the process to last about 2 years to resolve, and expect everyone from the contractors and insurance company to be bad actors.  Don't let them tell you you're not owed loss of use, if you can be out there when the adjuster visits (get an independent estimate as well because the person the insurance company sends is a crook and will comically lowball the repair cost), and find a lawyer to potentially hire if it comes to it.  Don't get a public adjuster as they charge 10% and are completely worthless.  If your state allows assignment of benefits (AOBs) to the contractor DO NOT SIGN ONE.  Document everything in writing and keep records.  You're in for a long and absurd process.  Sorry it's not more positive advice but it's realistic.  Good news is that it will end.
 
2020-10-11 4:00:21 PM  

winedrinkingman: itsdan: Does your homeowners insurance cover floods?

If it doesn't, FEMA should.  Mistake a lot of people make is they only cut the dry wall at the high level mark, and replace everything, dry wall and insolation, below that mark.  You are actually allowed to go well above the flood mark.  I can't remember if it is one foot or three feet, but look it up.  You are allowed to do so because the insolation can soak water and rot upwards.


When I had a flood claim about a decade ago, the independent adjuster's contractor went through the property with the FEMA adjuster with a moisture meter.  I had no idea until I see these readings four feet off the ground where the water had peaked.
 
2020-10-11 4:01:10 PM  
Rip out any wet sheet rock now; down to the studs. Get everything as dry as possible as quickly as possible.

Bring everything you need; masks, gloves, tools, gasoline, extra batteries, clean water, etc

A million pictures, especially stuff damaged by wind and storm.

Keep samples of anything that has to go so you can prove to your insurance that it was good quality ( otherwise they assumed it was painted cardboard).
 
2020-10-11 4:01:34 PM  
If the drywall got wet, expect to replace all of that. Carpets and pads, too. If you have electricity, get some air movers working in all the rooms exposed to floodwaters, and open all the doors and windows. The furniture might be salvageable, depending on how it's constructed. Depending on how long the floodwaters were in contact with any wood structures (framing, joists, etc), those may also need replacement. For many houses, that's probably at the "tear-down" point.

Your insurance company is almost certainly going to try to fark you over, so document everything, using photos and hand-written chronology of events. Get the name of EVERY SINGLE PERSON you speak to at your insurance, any estimates for repair work, and your local government: names, dates, times, and brief description of what was discussed. No matter the provocation (there will absolutely be provocation), try to avoid yelling at anyone. Count on insurance taking their own sweet time to actually pay you for anything (it took almost 8 months after my house flooded in South Texas back in 2001).
 
2020-10-11 4:02:38 PM  
From an email exchange a few years ago:

I am just a collections manager at a small local history museum in the Southwest, so I would default to any recommendations from Peter Brothers.  With that said, I would recommend reading the Northeast Document Conservation Center's texts on archival salvaging:

https://www.nedcc.org/free-resources/p​reservation-leaflets/3.-emergency-mana​gement/3.7-emergency-salvage-of-wet-ph​otographs

https://www.nedcc.org/free-resources/p​reservation-leaflets/3.-emergency-mana​gement/3.8-emergency-salvage-of-moldy-​books-and-paper

I am assuming that these photographs are personal photographs and not a part of an archival collection, so the best standards and practices for the archival and museum field would be unnecessary.  I would say it is safe to return photographs to their housing once they feel completely dry.  That might take a few days or a week, but it entirely depends on the surrounding environment and how conducive it is to drying wet items.  You just have to check them regularly until they are no longer wet as it is entirely subjective.  Once they are dry, I would suggest (1) storing them in individual sleeves instead of albums, which would minimize damage and spread should mold colonies develop, and (2) keeping them in as dry and cold environment as you can manage.  If you cannot store them in individual sleeves, then acid-free tissue paper would be good for separating the individual photographs.  There are archival vendors that sell acid-free paper, but I believe Hobby Lobby sells it to in their scrap-booking sections, and Walmart might sell it too as they are branching into craft supplies in some of their stores.  Mold colonies can develop on them even if they are dry, because humid air will allow them to develop.  Keeping them separate from photographs that did not get wet would be a good idea, and a store-purchased desiccant kept in their storage should help reduce the risk of mold.  If you can find digital thermometers with hygrometers, I would recommend keeping one in the specific location where you keep the photographs to watch the humidity, and either keep Damp-Rid type desiccants or a dehumidifier in that room.  Be sure to check them on a regular basis.
For future floods, NEDCC and other organizations have advice on how to freeze items that got wet.  That is also a good practice for small non-replaceable items with visible mold or obvious insect infestation.I strongly advise wearing safety gear when around these items.  Mold colonies are irritants, as are mold spores in the air.  If you can smell something musty, then you must wear a mask around the area until you remove the source of trouble.  If you find mold colonies developing, then you might want to buy protective coveralls as well.  The same goes for anything else in a house or building.  Your health is far more important than any photograph.


Email two:
At a museum, a photograph collection should be at 65 degrees or lower, with a non-fluctuating relative humidity of between 40%-50%.  For your purposes, I would just try to keep them under 72 degrees with a low relative humidity.  The cool air will deter mold growth.  As for killing mold, bleach is an excellent and thorough biocide, but I believe concentrated Lysol will also kill mold as well.  I could not tell you how effective it is, but I know some bottles are advertised as such.

Email three (products to use when trying to dry out and flatten photographs/papers):
It should be safe to store them temporarily with wax paper.  Wax paper is used by conservators when photographs are frozen, but the wax can melt off if the temperature gets to be high enough, which will damage photographs.  I also doubt that wax paper is acid-free, but in an emergency you need to use what you have, and replace later.

Email four (storing everything after it is dried out and cleaned):
That should be fine, if a bit pricy for its purpose; a 250-foot roll of acid-free tissue paper from an archival supplier like Gaylord or University Products will cost around $100 as as point of reference.  Or you can use acid-free printer paper from Walmart or Office Depot.  You can always buy or borrow a pH testing pen later to verify.  Acid-free paper lacks the acidity found in common wood pulp paper, either through manufacturing it with a fiber other than wood pulp, or through chemically treating the paper with basic materials like potash during manufacture, and has a completely neutral pH.  That is essential, because wood pulp paper breaks down over time; the by-products are acidic and will damage whatever they touch.  Think of old yellow newspapers; the cheap wood pulp paper breaks down and stains everything else it touches, and the acidity weakens adjacent materials like photograph emulsions and other paper.  When a newspaper clipping is removed from a scrapbook, the paper leaves a yellow stain on the surface of the scrapbook in the shape of that clipping from shallow acidic burns.  Acid-free paper, especially paper made from cotton, will not break down as quickly and does not become acidic as it breaks down.  On top of that, wood pulp paper contains lignin, which turns yellow from oxidizing in the air; that also stains everything it touches.  I see it three times a week, as my newspaper is longer than my mailbox and there is a yellow stain on the end of the paper.  Lignin is usually chemically removed from good-quality paper during the manufacture process, which increases costs and makes it unsuitable for mass-market printing use for newspapers and cheap paperback books.  It takes a few years for paper to turn, especially standard printer paper or plain tissue paper, so there is no urgent rush to replace wax paper with acid-free paper; but for long term storage, acid-free and lignin-free paper is the safest.

Email five (last email):
That storage should be fine.  I would advise adding a desiccant to the box, because sealed boxes can create microenvironments.  You should check it every so often to make sure the desiccant is working.
 
2020-10-11 4:03:09 PM  
I don't know if this will help you specifically, but might help somebody.
For mold growing in walls, commercial ozone generators can be rented cheap, and work like a miracle.

I used to do apartment maintenance. Had a one bedroom apt, on a slab floor. Woman lived there for 5 years with 3 full sized pit bulls. She didn't let them out very often. The unit stank so bad, it burnt your eyes. Ripped up the carpet & padding, washed the walls & concrete floor with bleach, vinegar, soap, enzymatic pet odor remover. It still stank bad. Figured the urine had wicked into the walls. We were talking about tearing the drywall off & reframing some of the walls. One of my suppliers suggested a commercial ozone generator. It was like $25 per day to rent. Used it for 48 hours. Smelled like a swimming pool in there. Let it air out for a couple days, no urine smell. Apparently, it kills all mold, bacteria and things that cause bad odors, even inside the wall cavities.
 
2020-10-11 4:03:23 PM  

bayoukitty: Subby here. Thanks for the comments. The property belongs to my mother, and I've been living there after Dad got sick and died 10 years ago. She has homeowners insurance, but canceled the flood insurance about two years ago when FEMA began raising the rates. Been talking to our neighbors and learned they did the same. At least we're all farked together.

We had tarps up from Laura's damage, which our adjuster told us was more severe than we imagined. We had unseen structural damage. He did the inspection a week before Delta, so we're still waiting.

Definitely taking tons of photos and videos. We spent yesterday removing items we wanted to salvage. I'll be making another pass today. The water is still rising.

So, I figured we were farked from an insurance standpoint. Still made a claim today. I submitted the damage report to our parish office of emergency preparedness for its FEMA assessment. But any advice is welcome, including "buy alcohol." 😁

The house and half-acre property were paid for, so I'm viewing this as a chance to do it right the second time. Family and all the animals (dog, cats, goats) are safe. I know it'll be frustrating, but it'll eventually work out.


One other thing to do is to interview and find an attorney who deals in insurance claims and not rely solely on the internet for legal advice as to what is covered and what is not. Do not sign an agreement with any attorney until you have talked to more than one.
 
2020-10-11 4:04:39 PM  

fat boy: puffy999: Sorry about that, subby.

My family's experience with flooding (washed the house away in 64, long before I was around) prompted the family to move to a different town.

Sounds line the Xmas flood, we got flooded too

Stay strong Subby


Yeah, that was one farked off winter.
 
2020-10-11 4:05:37 PM  

o4tuna: I don't know if this will help you specifically, but might help somebody.
For mold growing in walls, commercial ozone generators can be rented cheap, and work like a miracle.

I used to do apartment maintenance. Had a one bedroom apt, on a slab floor. Woman lived there for 5 years with 3 full sized pit bulls. She didn't let them out very often. The unit stank so bad, it burnt your eyes. Ripped up the carpet & padding, washed the walls & concrete floor with bleach, vinegar, soap, enzymatic pet odor remover. It still stank bad. Figured the urine had wicked into the walls. We were talking about tearing the drywall off & reframing some of the walls. One of my suppliers suggested a commercial ozone generator. It was like $25 per day to rent. Used it for 48 hours. Smelled like a swimming pool in there. Let it air out for a couple days, no urine smell. Apparently, it kills all mold, bacteria and things that cause bad odors, even inside the wall cavities.


God how I wish I knew about those 12 or so years ago....
 
2020-10-11 4:05:57 PM  

bayoukitty: Subby here. Thanks for the comments. The property belongs to my mother, and I've been living there after Dad got sick and died 10 years ago. She has homeowners insurance, but canceled the flood insurance about two years ago when FEMA began raising the rates. Been talking to our neighbors and learned they did the same. At least we're all farked together.


As much as you may love the house, it might be time to consider cutting your losses and joining the climate refugees earlier rather than later. Those rates certainly won't be getting any cheaper.
 
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