OBX Connection Home > OBX Connection Forum > You've got to be kidding
You've got to be kidding

By: Whaler9818
10/9/2019 9:28 PM



By: ganuchyman2
10/10/2019 8:22 AM

This is a sad example of what is wrong with our country today. We have plenty of money for weapons
but no money for these poor folks, many who have lost everything. IMO, our priorities are out of whack.

Like +4QuoteFlag


By: Hllywud
10/10/2019 9:11 AM


By: marylander
10/10/2019 9:28 AM

How does that usually work? I always thought it was up to the homeowner to have sufficient insurance coverage to replace everything in the event storms like this come along. It's one thing to provide taxpayer funds to replace public infrastructure and facilities, but private homes is another matter entirely. Why would taxpayer money be given to someone whose house is destroyed in a hurricane, but not by a tornado or fire? When Isabel hit Maryland, I lost everything in my finished basement and because I didn't have flood insurance, not being anywhere near a body of water, my insurance didn't cover anything. I spend the next 6 years incrementally repairing and replacing everything as I could afford it. Should I have expected taxpayers to cover that cost for me? This is obviously a philosophical discussion of the role of government. Where do we draw the lines? When does a homeowner take responsibility for home location in situations where the house is built ocean front, in flood zones, under sea level, etc? I never understood building cities or towns on the coast that are under sea level like New Orleans. And I certainly don't want taxpayer funds to pay to rebuild those homes when the inevitable storm comes along. I can understand differences of opinion, but if you think that taxpayers should pay for those situations, then where do we draw the line? Why don't we use taxpayer money to pay for all home damage anywhere, anytime regardless of how many people were affected? As the article points out, why does taxpayer money kick in when the damage is high enough, but not when it's below some arbitrary threshold?

Would appreciate your thoughts.

Like +13QuoteFlag


By: Laszlo
10/10/2019 10:15 AM

Dorian vitims denied

Click to follow link...

Whaler9818


Thumbs down

I will say this, I don't understand how someone who lives on a place like Ocracoke doesn't have flood insurance or not not enough insurance

Like +4QuoteFlag


By: RDU&OBX
10/10/2019 10:33 AM

How does that usually work? I always thought it was up to the homeowner to have sufficient insurance coverage to replace everything in the event storms like this come along. ...

marylander


Some information from FEMA about this -

Will FEMA Rebuild My Home the Way it Was?
FEMA’s Individual Assistance Program provides financial assistance and direct services to eligible individuals and households who have uninsured and underinsured necessary expenses and serious needs. The program is not a substitute for insurance and cannot pay for all losses caused by a disaster. It is intended to meet basic needs and help you get back on your feet. FEMA is not empowered to make you whole.

What assistance is available?
Disaster assistance may include grants to help pay for temporary housing, emergency home repairs for the primary residence, uninsured and underinsured personal property losses and medical, dental and funeral expenses caused by the disaster, along with other serious disaster-related expenses.

Am I eligible for disaster assistance if I already have insurance?
Insurance is your main source for money to put your life back in order after a disaster. It’s very important for you to contact your insurance agent and file your claim. If you have not, do so right away.
Insurance does not cover many expenses so disaster programs may be able to help. So, you should apply for assistance even if you have insurance if you have unmet needs that FEMA may find to be eligible.

LikeQuoteFlag


By: RDU&OBX
10/10/2019 10:38 AM

Dorian vitims denied

Click to follow link...

Whaler9818


Thumbs down

I will say this, I don't understand how someone who lives on a place like Ocracoke doesn't have flood insurance or not not enough insurance

Laszlo


Flood insurance only covers a portion of the value. Full coverage is not an option..

The maximum amount of coverage for your home's structure available from NFIP flood insurance plans is $250,000 for the structure of your home, and $100,000 for its contents.

LikeQuoteFlag


By: colleen40
10/10/2019 11:05 AM

I think there is a lot of misunderstanding about what FEMA covers and does during a disaster. It is as a previous poster provided, it is LIMITED funding for a short stop gap till your insurance kicks in. Mainly covers temp housing, and basic needs. The program was severely curtailed after Hurricane Katrina because of the widespread fraud that happened. If it is a second home or vacation rental, it is not even applicable-they changed this after Katrina also.
FEMA is flat broke.
It is true that flood insurance only covers 350,000 in total. Depending on what part of the country you live this can stop you from rebuilding and let's not forget you could still have a mortgage to pay on an uninhabitable property. This was the problem for many many homeowners due to Hurricane Sandy. There are still a lot of people trying recovering from Sandy even today. I would guess the same applies to the greater Houston area.
I heard that many homeowners and businesses on Ocracoke could not get flood insurance-maybe because many cottages are historic and ground level. The FEMA decision is a blow to people that have lost a lot. After my family went through Hurricane Sandy(and I did not lose as much as some in Ocracoke) it infuriated me to hear lectures. People need to process -some families lives are going to be irrevocably changed and for some it will take years to recover. Now is the time for empathy and help.

Like +13QuoteFlag


By: Crunch
10/10/2019 12:40 PM

Not clear why taxpayer funding should be used to subsidize places like Ocracoke, other than the fact that the federal government, in particular, makes some bad decisions. The risks and hazards on Ocracoke are well known. You pay your money and you take your chances.

Like +7QuoteFlag


By: KDHBreeze
10/10/2019 2:10 PM

FEMA generally supplements state funding for infrastructure repair when weather or other disaster causes damage.
FEMA's individual assistance program provides stop gap funding for temp housing expenses and things like deductibles on insurance and some basic habitability. IT's capped at $33k total per household, but what is usually given in grants is much smaller, though it does provide access to some additional loans as well as some emergency SBA loans for things like rental properties, which aren't eligible for grant funding. It doesn't replace insurance, nor will it return a home to prior condition. At best it improves some basic habitability and safety, but only for owner occupied private residences.

The factors assessed for eligibility for the IA program also were changed in June 2019, so there may be some wrinkles to iron out.

Like +1QuoteFlag


By: Alexy
10/10/2019 2:50 PM


The reality is that the number of primary residence homes damaged in Hyde County was not enough by the guidelines established in 1987.
They don't cover 2nd homes which are considered investments.

FEMA Individual flood assistance is only available to people who have no insurance or are underinsured and need to pay for temporary housing, emergency home repairs for the primary residence, uninsured and underinsured personal property losses and medical, dental and funeral expenses caused by the disaster, along with other serious disaster-related expenses.

LikeQuoteFlag


By: judyk
10/10/2019 4:53 PM

What about the school? That’s going to take some rebuilding.

LikeQuoteFlag


By: vanative
10/10/2019 5:29 PM

What about the school? That’s going to take some rebuilding.

judyk


Hopefully the county has insurance to cover the school or use some other source of income to take care of it. I guess that is what is to be expected when you "live on a sandbar".

Like +2QuoteFlag


By: Koronin
10/10/2019 11:37 PM

My guess it that it's unlikely. We had schools closed for months after Florence and I do not remember them getting any help from FEMA for repairing/rebuilding the schools.

LikeQuoteFlag


By: caratoke
10/11/2019 12:07 PM

I wouldn't be surprised to see FEMA deny similar claims in other areas. They don't want people to think there's no consequence to living in flood-prone areas. I hope it doesn't turn out this way but maybe Ocracoke ends up like Portsmouth Island one day.

Like +1QuoteFlag


By: tc08105
10/12/2019 8:40 PM

After the fraud and abuse following Sandy, FEMA is tightening the purse strings. Rightly so.

People choose to have properties in vulnerable areas. Own it.

LikeQuoteFlag


By: tc08105
10/12/2019 9:43 PM

After the fraud and abuse following Sandy, FEMA is tightening the purse strings. Rightly so.

People choose to have properties in vulnerable areas. Own it.

LikeQuoteFlag