Lot's of Angry Sandy Victims Without Flood Insurance

[flyboy56]

So many victims are angry because most of the damage their homes experienced flood damage and their homeowners insurance won't cover it. What really should they expect from their government?

[ms maggie]

So many victims are angry because most of the damage their homes experienced flood damage and their homeowners insurance won't cover it. What really should they expect from their government?

Emergency help. Uninsured house? Them's the breaks.

[Marshan Man]

FEMA will give them something via grants and/or loans...

[BlandFood]

Temp RV trailers just like the idiots in NOLA got. In their defense..... at least they weren't below SL. Shoulda bought insurance.

[flyboy56]

But so many victims really expect the government to help put their lives back together. They are seen screaming and crying at the government reps. Like it's their fault their lives are not what they should be. Saying things like, "hey you get to go home, but what about us? We have no home to go to." Where did this belief come from that the government should be there for us if we lose everything? What happened to personal responsibility?

[jessup270]

I know the people in the NE storm area are hurting now.

But when they finally get those 50 years house with leaking basements, asbestos shingles and little insulation, brought up to date, they will likely ask $500,000 for a little 1,000 sq. ft. cape cod, on postage stamp lot.

Hurting today, wealthy tomorrow.

[Marshan Man]

But so many victims really expect the government to help put their lives back together. They are seen screaming and crying at the government reps. Like it's their fault their lives are not what they should be. Saying things like, "hey you get to go home, but what about us? We have no home to go to." Where did this belief come from that the government should be there for us if we lose everything? What happened to personal responsibility?

You don't know WTH you'd be saying in a similar situation so judge not... I've been there before...luckily it was just me an apt and a dog...I couldn't imagine if I'd had a house, wife ki9ds, etc... that's some suicidal isht right there...

[Smokey 1]

I know the people in the NE storm area are hurting now.

But when they finally get those 50 years house with leaking basements, asbestos shingles and little insulation, brought up to date, they will likely ask $500,000 for a little 1,000 sq. ft. cape cod, on postage stamp lot.

Hurting today, wealthy tomorrow.

There was news story on the federal flood insurance program a few years ago that had this homeowner from Cape Cod saying how much she liked the insurance program because everytime they got flooded she was able to add on and improve the house with the money they got from the insurance.

[flyboy56]

I'm not judging. Just trying to understand. I've been through bad times too, but I never expected the government to help me out. What do you believe the government should do?

[BlandFood]

You don't know WTH you'd be saying in a similar situation so judge not... I've been there before...luckily it was just me an apt and a dog...I couldn't imagine if I'd had a house, wife ki9ds, etc... that's some suicidal isht right there...

So who to blame? Bob Turk, themselves OR the Gov't? Suck it up, eat it.... they COULD have bought flood insurance.

[flyboy56]

There was news story on the federal flood insurance program a few years ago that had this homeowner from Cape Cod saying how much she liked the insurance program because everytime they got flooded she was able to add on and improve the house with the money they got from the insurance.

So you think flood zones should have a building ban? Or just get rid of the government flood insurance and tell everyone to build at their own risk?

[Marshan Man]

I'm not judging. Just trying to understand. I've been through bad times too, but I never expected the government to help me out. What do you believe the government should do?

I believe FEMA should give loans, and grants in some cases. That's what FEMA does.

[Marshan Man]

So who to blame? Bob Turk, themselves OR the Gov't? Suck it up, eat it.... they COULD have bought flood insurance.

True. They could have, but it would be in the interest of local, state and fed. govt. to help create the conditions where these taxpaeyrs can go back to paying taxes... vs. maintaining them as a liability...

[BlandFood]

True. They could have, but it would be in the interest of local, state and fed. govt. to help create the conditions where these taxpaeyrs can go back to paying taxes... vs. maintaining them as a liability...

To completely rebuild them doubtful they would ever square the tab. Level it, make it a dump or beach, better economic sense.

[Smokey 1]

So you think flood zones should have a building ban? Or just get rid of the government flood insurance and tell everyone to build at their own risk?

Yes, I think no permits should be issued for new housing in flood zones and houses already in flood zones should get one payment and after that they are on their own.

[flyboy56]

I believe FEMA should give loans, and grants in some cases. That's what FEMA does.

Loans to cover what? The rebuilding of their homes?

[flyboy56]

True. They could have, but it would be in the interest of local, state and fed. govt. to help create the conditions where these taxpaeyrs can go back to paying taxes... vs. maintaining them as a liability...

So that would depend on the persons ability to work and pay taxes? And if they can't work do to a liability or whatever?

[flyboy56]

Yes, I think no permits should be issued for new housing in flood zones and houses already in flood zones should get one payment and after that they are on their own.

I think you pose a reasonable solution. Of course, this one time payment would only be for people who have flood insurance. What about those folks who are victims of Sandy and who don't have it flood insurance. What should they expect?

[Marshan Man]

Loans to cover what? The rebuilding of their homes?

Or to move somewhere else... or for a year's rent...or soemthing I'm not exacrtly sure. Each case is different. Post Katrina they gave money out depedning on zones... the harder hit zones got more money than others... I'm not so familiar with what they're doing for Sandy, but it's obvious people still need help.

[jessup270]

Yes, I think no permits should be issued for new housing in flood zones and houses already in flood zones should get one payment and after that they are on their own.

What you say makes perfect sense.

Flood insurance, because it is so heavily subsidized, is really akin to welfare.

Flood zone owners pay around $400 a year for policy that should run at a minimum $5,000 year in many areas.