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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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1432 clicks; posted to Main » on 11 Oct 2020 at 3:35 PM (14 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



Voting Results (Funniest)
View Voting Results: Smartest and Funniest

 
2020-10-11 2:59:02 PM  
26 votes:
Never call it a 'flood'.

It was a 'sump pump failure'.
 
2020-10-11 1:28:56 PM  
13 votes:
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 3:49:21 PM  
11 votes:
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 5:43:56 PM  
4 votes:
i.kym-cdn.comView Full Size
 
2020-10-11 10:16:15 PM  
3 votes:

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 8:21:12 PM  
2 votes:

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 2:18:44 PM  
2 votes:
move to lower ground. that should help.
 
2020-10-11 10:48:04 PM  
1 vote:

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 7:41:09 PM  
1 vote:
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 7:01:45 PM  
1 vote:
move to Phoenix
 
2020-10-11 6:59:51 PM  
1 vote:
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 4:38:03 PM  
1 vote:

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 4:03:23 PM  
1 vote:

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 3:58:16 PM  
1 vote:

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 3:43:01 PM  
1 vote:

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 12:58:21 PM  
1 vote:

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 12:46:52 PM  
1 vote:
Does your homeowners insurance cover floods?
 
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