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Old 10-09-2013, 01:27 PM
 
562 posts, read 931,447 times
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Quote:
Originally Posted by MrBojangles View Post
Here is the floodmap for a part of Greenville: Uptown, East Carolina, Grid, TRUNA


I wonder if this will facilitate the removal of houses north of 1st Street? I would really like to see everything north of 1st Street, from the Town Commons to Dog Park to Green Mill Run, turn into a huge park (River Park South).

Dockside and Riverwalk developments are both on stilts, but I believe it would help out immensely, by reducing the supply of houses around that area.

Great map! That's the GIS map we used when we purchased our lot in Ocean Ridge Plantation to make sure we were no where in a flood zone - even a 500 year flood zone!! So much information on that web site, good going Mr. Bojangles!
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Old 10-10-2013, 05:09 AM
 
111 posts, read 206,526 times
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Quote:
Originally Posted by SandyJet View Post
To totally destroy a house that cost to rebuild more than 250K it would be a storm of epic proportions which would means tons of grant money available.

The catch 22 is that is not available for second homes or vacation homes. The double catch 22 is vacation homes and second homes flood insurances costs a lot more, so you cant afford more than 250K anyhow.

I took on six feet of water in Sandy and fixed it for 60K. My friends even closer to water took on 10 feet of water and fixed it for 160K and my friends whose houses were totaled completely got the 250K and on primary homes are getting tax free grants to buy them out at market value pre-storm minus the 250K.

Honestly, they really dont want you rebuilding in an area that can take out that big a home.
I think as time goes on there will be end to "Grant Money".

No more freebies form the Federal Government or State for that matter, to start counting on "Grant Money' to rebuild your home is foolish.

Ron W.
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Old 10-10-2013, 08:29 AM
 
3,321 posts, read 5,180,748 times
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Quote:
Originally Posted by rjsurfer View Post
I think as time goes on there will be end to "Grant Money".

No more freebies form the Federal Government or State for that matter, to start counting on "Grant Money' to rebuild your home is foolish.

Ron W.
Problem is, if you can afford a beachfront home, you probably have political influence. I agree it should be cut out, but the chances of it occurring are slim.

I mean just look what the coastal counties did when they got the General Assembly to mandate the back to school dates. They pushed it as far as they could, to ensure a summer break.
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Old 10-10-2013, 01:46 PM
 
2,361 posts, read 2,658,733 times
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Quote:
Originally Posted by SandyJet View Post
To totally destroy a house that cost to rebuild more than 250K it would be a storm of epic proportions which would means tons of grant money available.

The catch 22 is that is not available for second homes or vacation homes. The double catch 22 is vacation homes and second homes flood insurances costs a lot more, so you cant afford more than 250K anyhow.

I took on six feet of water in Sandy and fixed it for 60K. My friends even closer to water took on 10 feet of water and fixed it for 160K and my friends whose houses were totaled completely got the 250K and on primary homes are getting tax free grants to buy them out at market value pre-storm minus the 250K.

Honestly, they really dont want you rebuilding in an area that can take out that big a home.
Any hurricane that caused a 10'+ storm surge would wipe out the Outer Banks residents completely and every house would be a total loss.

If any house in NC/SC coastal area took on 6' of water you really have to worry about what happened to the pilings that support the house + mold. IMO, the house would be a total loss and since you have to have an NC license to build, most of the builders would already have a waiting list. I could take a year or more to start.

Hazard insurance is going up also, since that covers wind driven rain and you tend to get a lot of that during a Hurricane.
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Old 10-11-2013, 08:28 AM
 
4,539 posts, read 4,829,942 times
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Quote:
Originally Posted by mlhm5 View Post
Any hurricane that caused a 10'+ storm surge would wipe out the Outer Banks residents completely and every house would be a total loss.

If any house in NC/SC coastal area took on 6' of water you really have to worry about what happened to the pilings that support the house + mold. IMO, the house would be a total loss and since you have to have an NC license to build, most of the builders would already have a waiting list. I could take a year or more to start.

Hazard insurance is going up also, since that covers wind driven rain and you tend to get a lot of that during a Hurricane.
Depends. For instance my house took on six feet of water in a matter of minutes. Since house had NO flood insurance like most folks with no flood insurance off the books workers are hired to rebuild with no permits.


Folks with second homes or homes without insurance refused access to building inspectors. I recall after Sandy one knocked on my door and asked if he could inspect my house. . I politely told him even though entire lower half of house was boarded up no thank you. He then asks if I had Sandy damage. I say no. . Finally he asks if I can I come in or walk around property. I tell him sure as long as you come back here with a search warrant. I thank him for coming by. Pretty much everyone without flood was coached to say the same thing. I have no legal obligation to let them in to my house.

FEMA gave $31,900 and state gave $10,000 grand. Folks had a $41,900 budget to fix massive damage.

No licensed electrician,plumber, mold specialist etc visited any of our houses. Town could not condem homes, towns could not declare substainal damage. Who knows how half the houses were fixed.

Think off all the rental properties, second homes, vacation homes and primary homes without flood insurance. My new flood insurance policy says NO Flood Claims in history of house. Pull title no building permits or COs issued. I see tons of houses like this. In particular tons of widows and folks took $41,900 sold house as is to a flipper for a 150K loss and moved on. Flipper did "in-kind: repairs with off the books workers with no permits and it is back on market.

Sandy will be a problem for years to come as mold, faulty wiring, subgrade things will pop up. And oddly on houses folks bought that they thought had no sandy damage.
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Old 10-12-2013, 04:54 PM
 
2,361 posts, read 2,658,733 times
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Quote:
Originally Posted by SandyJet View Post
Depends. For instance my house took on six feet of water in a matter of minutes. Since house had NO flood insurance like most folks with no flood insurance off the books workers are hired to rebuild with no permits.


Folks with second homes or homes without insurance refused access to building inspectors. I recall after Sandy one knocked on my door and asked if he could inspect my house. . I politely told him even though entire lower half of house was boarded up no thank you. He then asks if I had Sandy damage. I say no. . Finally he asks if I can I come in or walk around property. I tell him sure as long as you come back here with a search warrant. I thank him for coming by. Pretty much everyone without flood was coached to say the same thing. I have no legal obligation to let them in to my house.

FEMA gave $31,900 and state gave $10,000 grand. Folks had a $41,900 budget to fix massive damage.

No licensed electrician,plumber, mold specialist etc visited any of our houses. Town could not condem homes, towns could not declare substainal damage. Who knows how half the houses were fixed.

Think off all the rental properties, second homes, vacation homes and primary homes without flood insurance. My new flood insurance policy says NO Flood Claims in history of house. Pull title no building permits or COs issued. I see tons of houses like this. In particular tons of widows and folks took $41,900 sold house as is to a flipper for a 150K loss and moved on. Flipper did "in-kind: repairs with off the books workers with no permits and it is back on market.

Sandy will be a problem for years to come as mold, faulty wiring, subgrade things will pop up. And oddly on houses folks bought that they thought had no sandy damage.
If you have the cash, you can self insure.
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Old 10-14-2013, 12:43 PM
 
4,539 posts, read 4,829,942 times
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Quote:
Originally Posted by mlhm5 View Post
If you have the cash, you can self insure.
I own two homes in a flood zone. I think self insurance is getting harder.

First on my primary, I am not allowed to self insure. My FEMA payout requires me to maintain flood insurance even though I dont have a mortgage. My condo I also dont have a mortgage, but building bylaws require flood insurance to be maintained plus my home insurer since condo is in a barrier island requires me to carry flood insurance on contents as part of getting homeowners.

Several homeowner insurance companies wont insure new business in a flood zone without some form of flood insurance. Down near beach very very few companies write homeowners insurance so when you find one writting your policy at a decent price you play ball.

Right now I am fully insured on both places.
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