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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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1439 clicks; posted to Main » on 11 Oct 2020 at 3:35 PM (27 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



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2020-10-11 4:07:58 PM  

sdd2000: 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


It sounds like she's already on the ball.

The most important question was answered re: flood insurance.

AFAIAC, she doesn't need to contact the attorneys unless the insurance people screw her on the pre-flood damage. Which they almost certainly will because of the subsequent flood.
 
2020-10-11 4:08:49 PM  
If you are capable, gut the place yourself as soon as the water drops.

The sooner the wood starts to dry, the better chance you have of salvaging the structure.

Not sure what the adjuster is up to with 'unseen structural damage...' , but that's all the money you are getting from insurance. And it isn't coming soon, so get liquid (phrasing!).

Empty the place first, with an eye toward salvaging waterproof stuff, then mud and carpet, then drywall/plaster.
Get a 5 and 20 pound sledge while the store still has them. Harbor Freight hammers are fine for demo.

If Basement then generator and sump-pump. Generator, if possible, in any case. You'll want lights.

Generators, sump-pumps, shovels and even demo hammers are going to be hard to find locally. If away anyhow get them and bring them back with you.

Document everything. Put a camera on your hat. Also wear a hat when things are shiatty.

Bring: A camp stove, a kettle, a French press, many pounds of your coffee, Irish Whisky, canned vanilla whipped cream, bacon and a 12 gauge.
You could be 'camping' for weeks. Bring the rest of your backpack pack too.

If the water is still rising, it might not be too late for 'the lighter'. It's truly amazing the number of structures that catch fire right as a flood is approaching. Power is out and people make mistakes with candles.
 
vpc [TotalFark]
2020-10-11 4:13:46 PM  
Clean anything perishible out of the fridge and freezer, and bag it out to the curb, now now now. You're going to want to get in there a LOT less after that fish that thawed out has been sitting for a week. And if the rats and raccoons are poking around in the bags at the curb, at least they're not in the house.
 
2020-10-11 4:22:03 PM  
Damn, sorry you're dealing with this subby.

I had water halfway up the front yard during Harvey but folks just a few houses down weren't so lucky.

Based on their experiences and what I've seen in thread not much I can offer except condolences. It's probably worst thing I can imagine dealing with as far as property goes. Wish you the best.
 
2020-10-11 4:25:06 PM  

The knight who says EkiEkiPoontang: If you are capable, gut the place yourself as soon as the water drops.

The sooner the wood starts to dry, the better chance you have of salvaging the structure.

Not sure what the adjuster is up to with 'unseen structural damage...' , but that's all the money you are getting from insurance. And it isn't coming soon, so get liquid (phrasing!).

Empty the place first, with an eye toward salvaging waterproof stuff, then mud and carpet, then drywall/plaster.
Get a 5 and 20 pound sledge while the store still has them. Harbor Freight hammers are fine for demo.

If Basement then generator and sump-pump. Generator, if possible, in any case. You'll want lights.

Generators, sump-pumps, shovels and even demo hammers are going to be hard to find locally. If away anyhow get them and bring them back with you.

Document everything. Put a camera on your hat. Also wear a hat when things are shiatty.

Bring: A camp stove, a kettle, a French press, many pounds of your coffee, Irish Whisky, canned vanilla whipped cream, bacon and a 12 gauge.
You could be 'camping' for weeks. Bring the rest of your backpack pack too.

If the water is still rising, it might not be too late for 'the lighter'. It's truly amazing the number of structures that catch fire right as a flood is approaching. Power is out and people make mistakes with candles.


Always go through your home with someone not emotionally attached to the property  just like funeral arrangements your less likely to be scammed. I know from experiences. Sorry for your loss.
 
2020-10-11 4:38:03 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.


AAAH, GOATS! <3
 
2020-10-11 4:42:37 PM  
If you're going to rebuild on that land you better put it on stilts.
 
2020-10-11 4:47:01 PM  

bayoukitty: She has homeowners insurance, but canceled the flood insurance about two years ago when FEMA began raising the rates.


People make mistakes. Your focus now is to immediately tear the house down to the studs, because it needs to dry out or you'll get mold, and your other project is to secure a construction loan to rebuild. Don't count on FEMA. Look into getting a cheap RV or trailer to live in, and if the area is declared a toxic disaster, yes you will need to park that RV or trailer somewhere else because you can't be living there and get your cleanup money at the same time.

Hopefully your state will come through for you. Just get things going now, and if any disaster money comes later, you can put that toward your debts and loans.
 
2020-10-11 4:54:43 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.


Remove all rugs, all sheet rock that got wet (cut 12" above water line), remove any flooring/trim you can, toss out insulation to the cut line. Toss any furniture/kitchen cabinets etc unless it is hardwood it is most likely toast. Get fans in there asap get it dried out as fast as you can, if it is crazy humid put in dehumidifiers or get the AC working. Once it is all dried you can start making repairs.

As other mentioned if you do not have flood insurance, you can try to apply for a FEMA flood mitigation grant. They are sometimes offered in declared disasters, especially areas that have been hit more than once. These grants allow you to repair/rebuild if you make changes to the structure that will help prevent future flood damage (water proof materials on the first floor, relocation of electrical service/outlets, earth work on the property swales berms etc, hurricane rated roof replacement, hurricane rated replacement window etc) I personally helped 2 dozen people in Key West get these kinds of grants and FEMA paid to raise their houses on concrete piles to meet flood elevation as well as make repairs to the water damage from hurricane Wilma. Also contact the Red Cross, they can often assist home owners that are under/not insured apply for low interest Federal loans and sometimes grants to help with repairs.

FEMA money is tight under this admin, I hope you can find some help to get your house fixed.
 
2020-10-11 4:55:03 PM  
I'd add different advice on the fridge.

If you can safely get to it and remove, bag and photograph, do so, as said "now now now". BUT ...

If there is a delay of a few days in getting back to the property and the fridge has been there in heat, esp if partly submerged, then DO NOT OPEN IT. Tape it so it can't open when it is moved and toss it in the manner required by local rules.

This advice comes via stories from my brother-in-law, a landlord post Katrina in NOLA learning this the hard way.
 
2020-10-11 4:58:41 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.


So, so glad to hear that you're safe. This situation is scary, tragic and will be an epic mess to take care of. It's OK to have feelings about that.
 
2020-10-11 5:00:24 PM  

Roman Fyseek: Never call it a 'flood'.

It was a 'sump pump failure'.


Bit of a thread jack: I had an actual sump pump failure in February. I also had the sump pump endorsement. Insurance still denied the claim because the flooding was groundwater rather than water from, say, a broken pipe.
 
2020-10-11 5:03:20 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.


Best advice! Move the fark out.
My neighbors moved in after Katrina.
 
2020-10-11 5:35:55 PM  
Get the wet carpet, insulation, and drywall out and get some anti mold stuff and spray the wood with it.

Don't have to get fancy with where to start, just out.

Then once everything is dried out, you can look at getting the wiring replaced and then the rest of it.
 
2020-10-11 5:43:56 PM  
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2020-10-11 5:45:00 PM  
I am sorry for your loss and the trauma you are experiencing, but very glad that you and the critters are OK. It sounds like you are on top of things and know about the FEMA process, so you are aware of their deadlines.

I know you already know this, but don't walk around in standing water unless you know the power is off and will stay off. Watch out for snakes, they were flooded out of their homes too.

I hope everything works out well and everyone stays healthy. Best of luck!
 
2020-10-11 6:02:12 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.


You've got a great attitude. That's the hardest part. Good luck!
 
2020-10-11 6:10:23 PM  

bayoukitty: Subby here....



It's really horrible that you're going through with this. Here's a few pointers, no particular order:
1. Pictures- try to keep anything recently taken before storms hit. Even selfies, that have the property in the background, can be used to prove the condition something was in. It's easy to document what condition it is in now, but if insurance comes and says "it was a worthless dump before the storm" you'll have pictures to prove otherwise.
2. Where you're going to stay (I mentioned this in a thread recently)- start thinking about this. Rentals near you are going to disappear fast, if they haven't already. Try out of town friends, even if just for a short time. Also, ask if they know of rentals in their area- sure, it might mean moving a long distance, but it might mean having a place to live sooner.
3. Keep your head about you and consider what you're going to do next. Are you going to rebuild, or move on? Don't rush into either decision, but if the answer is move on, determine what needs to be done to clear the land (you may not be able to sell it right away).
4. Utilities- if you haven't, consider having them shut off. No reason to pay for electric service, etc. for a nonexistent house.
5. Get a PO Box and forward your mail there. Maybe at the post office, but places like UPS also offer them and you can have (Amazon, etc.) packages shipped there also (helpful if you're not staying in the same place for very long). Make sure you change your address with work so your payroll information and benefit info goes there.
 
2020-10-11 6:16:55 PM  

fargin a: 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.

Best advice! Move the fark out.
My neighbors moved in after Katrina.


Seriously think about moving out.

Find out how much insurance is going to cover - of course doing the mitigation steps other have provided.

When you find out they're boning you completely, or even if they're giving you replacement cost...

Move.  Just take the hit and leave.

It will take so long to get it all put back together.

So sorry you got flooded out in the storm.
 
2020-10-11 6:26:12 PM  
I'm so sorry for you and I wish you luck.

Massive flooding is a major headache for the home owner. Down here in Florida, a lot of folks don't have flood or any homeowners insurance because of the big hike in rates after Katrina. Those living in flood plains are required to carry flood insurance when they buy the house.

I can't add anything else to what previous FARKers have said but I hope you get the help you need. Especially, try FEMA and take lots of pictures. If you are denied the first time or get a minuscule amount, you can protest and apply again, which will usually get you somewhere. FEMA inspectors are not always sympathetic because that's all they do is walk around wreckage all day and meet grieving owners. Sometimes, you have to fight to get close to what you need with FEMA.

They actually pay attention to grievances.
 
2020-10-11 6:58:35 PM  
Take pictures, even stuff that wasn't damaged but is removed from the house before commencing work. A sizable portion of personal belongings were never returned.
 
2020-10-11 6:59:51 PM  
Set the house on fire and forget to call the fire department. Chances are that you have fire insurance but do not have flood insurance. Problem solved!
 
2020-10-11 7:01:45 PM  
move to Phoenix
 
2020-10-11 7:05:45 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.


That's why flood insurance exists--regular homeowners insurance does **not** cover floods and a house underwater is a flood.  Previous damage is usually irrelevant.  I wouldn't even say it's being farked, homeowner's insurance makes it very clear it doesn't cover flooding.  The people who feel farked are the ones who didn't pay attention to what was actually covered.

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.


You're farked.  The fact that premiums are going up says a lot about the evaluation of the risk.

12349876: If you're going to rebuild on that land you better put it on stilts.


I wish this was written into the building codes.  Your building was destroyed by a natural disaster that might reasonably recur?  The plot gets a restriction on it that any future construction must be able to withstand that disaster.  (Exceptions for expendable non-houses--say, beach huts.)
 
2020-10-11 7:26:56 PM  

o4tuna: it kills all mold, bacteria and things that cause bad odors, even inside the wall cavities.


That's good to know - I knew about ozone machines but didn't know they were that good. You'd think this would be more common knowledge, as preventative maintenance. I'm guessing that re:mold it's useful for sanitizing an area that got wet once(like from a pipe leak or clogged gutter), and will dry on its own with enough time and running a dehumidifier? If it's a chronic problem and the wood is all wet and starting to rot there isn't really a substitute for opening it up and removing the rotting material or it will just come right back after a while. But it definitely sounds like something that can buy years of time before having to do a renovation.

It's 2020 and we build our homes out of garbage. "Safe garbage, but garbage nonetheless" according to one Farker. Vulnerable to fire, flood, wind, rodents, etc we have the worst homes in human history in terms of durability and resilience to the elements. It's also why home ownership is such a risk. You take out a 30 mortgage on a home only built to last 35, so you better hope that the value goes up with the cost of inevitably rebuilding parts of it.
 
2020-10-11 7:29:19 PM  
Dehumidifiers don't magically suck water out of your house, They make dry air that evaporates water.

Set up fans in a circular flow with the dehumidifier so that it blows dry air to the wet areas and then wet air is returned to the dehumidifier to dry out.  Ideally you have two or three dehumidifiers in the loop.

/maybe more relevant to a basement flood event in the Midwest than a hurricane flood
 
2020-10-11 7:41:09 PM  
Buy a yurt.  I was considering buying a yurt, and I'd like you to figure out whether or not it will suck.
 
2020-10-11 8:18:36 PM  

Shostie: 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.


Even that sucks.  It does not cover temp housing costs.  Buy a trailer.
 
2020-10-11 8:21:12 PM  

Roman Fyseek: Never call it a 'flood'.

It was a 'sump pump failure'.


And if it was a flood, throw a brick through a window and call it wind blown water.
 
2020-10-11 8:22:36 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.


This, sadly
 
2020-10-11 8:22:40 PM  
with power or not...

open up all doors and windows.

 
2020-10-11 8:42:22 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.


Glad you and the animals are safe. When my mom died several years ago, I used Google sheets to track stuff. You could do that for your call logs, inventory, claim submissions, denials or responses from insurers and/or FEMA.

I also used Google Drive to store scanned and electronic document images. That came in handy this week: I got a letter from a credit card company addressed to my deceased mom. They have money they owed her and want to give it back to the estate or heirs. Mom's been dead over seven years, and the estate closed for about 5-1/2, but I had scans of the Will, Letters Testamentary, and Death Certificate that I printed off to mail to them.
 
2020-10-11 8:54:27 PM  

Froman: o4tuna: it kills all mold, bacteria and things that cause bad odors, even inside the wall cavities.

That's good to know - I knew about ozone machines but didn't know they were that good. You'd think this would be more common knowledge, as preventative maintenance. I'm guessing that re:mold it's useful for sanitizing an area that got wet once(like from a pipe leak or clogged gutter), and will dry on its own with enough time and running a dehumidifier? If it's a chronic problem and the wood is all wet and starting to rot there isn't really a substitute for opening it up and removing the rotting material or it will just come right back after a while. But it definitely sounds like something that can buy years of time before having to do a renovation.

It's 2020 and we build our homes out of garbage. "Safe garbage, but garbage nonetheless" according to one Farker. Vulnerable to fire, flood, wind, rodents, etc we have the worst homes in human history in terms of durability and resilience to the elements. It's also why home ownership is such a risk. You take out a 30 mortgage on a home only built to last 35, so you better hope that the value goes up with the cost of inevitably rebuilding parts of it.


In the UK houses are generally built of brick. On the ground floor of my house everything below the ceiling is brick or concrete except for the stairs (wood) and windows (UPVC). The floor is concrete, the walls are brick covered in plaster.
A flood would be bad but it wouldn't affect the structure. The stairs and internal doors might need replacing, and it would need redecorating, but would be basically sound.
 
2020-10-11 9:36:24 PM  

Opacity: bayoukitty: Subby here....


It's really horrible that you're going through with this. Here's a few pointers, no particular order:
1. Pictures- try to keep anything recently taken before storms hit. Even selfies, that have the property in the background, can be used to prove the condition something was in. It's easy to document what condition it is in now, but if insurance comes and says "it was a worthless dump before the storm" you'll have pictures to prove otherwise.
2. Where you're going to stay (I mentioned this in a thread recently)- start thinking about this. Rentals near you are going to disappear fast, if they haven't already. Try out of town friends, even if just for a short time. Also, ask if they know of rentals in their area- sure, it might mean moving a long distance, but it might mean having a place to live sooner.
3. Keep your head about you and consider what you're going to do next. Are you going to rebuild, or move on? Don't rush into either decision, but if the answer is move on, determine what needs to be done to clear the land (you may not be able to sell it right away).
4. Utilities- if you haven't, consider having them shut off. No reason to pay for electric service, etc. for a nonexistent house.
5. Get a PO Box and forward your mail there. Maybe at the post office, but places like UPS also offer them and you can have (Amazon, etc.) packages shipped there also (helpful if you're not staying in the same place for very long). Make sure you change your address with work so your payroll information and benefit info goes there.


Good ideas. Sounds like someone that has been thru a natural disaster before.
/Still really happy I don't live in a hurricane area  anymore and no earthquakes that are survivable. If Yellowstone goes off dead quick is better.
 
2020-10-11 9:54:44 PM  

Wanebo: 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.


No.  You're only  forced to buy flood insurance if you have a  mortgage.  Otherwise it's optional.

I live in a flood plain.  Was forced to buy  flood insurance because I had a mortgage.  Cancelled  it the day after I paid  off the mortgage.
 
2020-10-11 10:03:21 PM  

AnotherBluesStringer: 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. ...


Excellent advice! Thanks! I suspect I'll have to tell my mother more than once to take it slow. She's still in denial about the extent of the damage. I don't think she's realized we're not moving back in two weeks from now.
 
2020-10-11 10:04:54 PM  

a_room_with_a_moose: 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-​your-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.


Fortunately, we already have access to fans. We've already made arrangements. Great link!
 
2020-10-11 10:16:15 PM  

gameshowhost: 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.

AAAH, GOATS! <3


The friend of one of my nephews has a goat herd, so he offered to take ours in. So grateful. They made it through the storm fine in their stall, but the water was at the door. We moved them out, and the stalls were underwater later Saturday.

Our two females probably will get knocked up while they're away, of course.
 
2020-10-11 10:18:40 PM  

Publikwerks: [i.kym-cdn.com image 600x450]


There has been some discussion.
 
2020-10-11 10:22:35 PM  

MadHatter500: fargin a: 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.

Best advice! Move the fark out.
My neighbors moved in after Katrina.

Seriously think about moving out.

Find out how much insurance is going to cover - of course doing the mitigation steps other have provided.

When you find out they're boning you completely, or even if they're giving you replacement cost...

Move.  Just take the hit and leave.

It will take so long to get it all put back together.

So sorry you got flooded out in the storm.


That could happen, at least for me. A lot of elevation work will be done before any rebuild, though.
 
2020-10-11 10:48:04 PM  

BlippityBleep: Don't get a public adjuster as they charge 10% and are completely worthless.


This was not my experience. When I hired a public adjuster after my basement flooded here in Michigan the amount the insurance company offered me more than tripled, and he pre-warned me about a few stunts that the insurance company adjuster absolutely tried to pull (trying to get away with butting the new flooring up to the molding instead of removing the molding and replacing it, or suggesting just drying out the carpeting instead of replacing it, etc.). And the insurance company guy had a well-rehearsed air of golly shucks, just trying to be helpful the whole time he was cutting corners and pinching pennies on behalf of the company. If I had signed off on his original estimate I would have been screwed.

Your insurance company is a multimillion-dollar corporation with trained professionals whose job it is to give you the very least you're willing to accept. It is absolutely in your best interest to hire your own professional to look looking after your interests.
 
2020-10-11 11:51:50 PM  
I strongly recommend reaching out to your local Red Cross office for assistance. They provide feeding, shelter (hotel rooms when possibel for social distancing) and can connect you with mental health assistance and recovery services with follow up casework: https://www.redcross.org/ge​t-help/disa​ster-relief-and-recovery-services/find​-an-open-shelter.html
 
2020-10-12 12:45:33 AM  
Used to work for a public adjuster. I would say - you don't need a public adjuster, you can do this yourself. Hopefully you have a copy of your policy - it's amazing how many insurance companies don't keep copies of individual homeowners policies. And a lot of times the policies are just cut and paste from older policies, so you have contradicting terms within the policy. If you're detail-oriented and like to read, go through your entire policy and mark every section that seems weird, contradictory, or oddly worded. Or, as mentioned above, hire an attorney. If they are going to pay something out, you need to understand if you have a replacement cost policy or an actual cash value (ACV) policy. Replacement cost is better for you.

Also, don't just take pictures. You need to print them out or somehow arrange them and label every one of them. What's in the photo? What room was that stuff in? You think you will be able to recognize everything but once it's been damaged you will not remember what the sad looking brownish things are in the photos. Everything will look like a lump of mud.

Yes, most insurance adjusters are not great, but, if you do get a good one, make their life as easy as possible by making lists of everything that was damaged. Handing the adjuster a bunch of photos is not helpful. We used to make big binders, divided out by room, with lists of damaged goods, and replacement prices for each item (with Hyperlinks) for the adjusters - maybe there is a better way to do it now? Ask the adjuster what they need. They are now responsible for hundreds, if not thousands of claims; if you make it easier to process yours there is a chance it will go faster and that you will get more $$. Take names, take numbers, if you happen to get a good adjuster try to keep in contact with them.

And - don't forget about the principle of matching. If you have to tear out part of your rug, insurance has to pay for the entire rug if they cannot match the original material exactly (obviously this assumes that you will somehow have coverage even without flood insurance).

Sorry that you have to go through this. Lots of good advice above. Watch out for snakes. Don't open that refrigerator; just toss it. the food doesn't matter. Good luck. You will make it through this.
 
433 [TotalFark]
2020-10-12 2:30:07 AM  
I think it's legacy now, but if your adjustor uses Integriclaim over Xactimate or one of the outliers, I can help some.

I am so sorry.  My best.
 
2020-10-12 5:29:23 AM  
If you had applicable homeowners insurance, this reddit repost from someone who worked to minimize insurance payouts provides useful info on how to avoid your losses being undervalued. It was dealing more with fire, where there is little evidence of what was destroyed, and I'd imagine flood damage is different in that respect, but some of the principles might still be of value as you review your claim. For example, don't list "Toaster from Wal*Mart", or you'll get $4.88, list "High-end Toaster, Stainless Steel, Blue glowing power button"...according to the author, "You might get $35-50 instead. We had to match all features that were listed."
 
2020-10-12 8:04:58 AM  
The depth the standing water reached on the walls is the starting point for removal of the the wall covering.
You should get the walls down to the studs, so that the drying can start.
Every electrical outlet, switch or connection should be taken apart to dry or be replaced, that water inside will probably corrode the steel or non copper parts.

The standing water level is just the first indicator of where to start looking for damage or moisture inside the walls.
Water will wick up to a hight above the standing water point.

After everything is corrected, then for several months you still must keep looking for mold.
So don't sign off with your insurance until you are totally satisfied that ALL the damage has been corrected.
Have your lawyer and a flood damage specialist  go over the settlement before you sign.
 
2020-10-12 9:21:06 AM  
Here's what you do:

1. Get a time machine.

2. Go back to 2019.

3. Tell your 2019 self to sell the house to someone you don't like.

4. Come back to 2020 to live in your new house on a hill, far away from a flood plain.
 
2020-10-12 4:42:14 PM  
Didn't read the whole thread, so I apologize if I'm repeating... but go ahead and cut the sheet rock at least 4 feet up. If you have to go above 4 feet, go to 8 feet. It's easier to just replace full sheets of sheet rock than cutting odd increments. Get dehumidifiers going if you can. Depending on time / electricity / plumbing functionality, do your best to find a balance between "fark it all and throw everything away" and "I've got to save everything." When rebuilding, try to focus on the things you really, really want better. 10%-20% on every upgrade adds up really quickly.

Good luck to you. We flooded during Katrina and definitely erred on the "fark it all" side. A cooler head might have saved me some money in the long run.
 
2020-10-12 6:21:19 PM  

bayoukitty: gameshowhost: 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.

AAAH, GOATS! <3

The friend of one of my nephews has a goat herd, so he offered to take ours in. So grateful. They made it through the storm fine in their stall, but the water was at the door. We moved them out, and the stalls were underwater later Saturday.

Our two females probably will get knocked up while they're away, of course.


should there be any surprise babbies, at least there's SPROING to look forward to

Fark user imageView Full Size
 
2020-10-12 9:00:10 PM  

BlippityBleep: 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.


Here to second the AOB advice. It might have served a purpose at on point, but it's been completely taken over by shysters and crooks.  If a contractor suggests an AOB, it's 99% likely they're a scammer and will do crappy work or no work at all and sue everyone in sight.
 
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