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Old 09-21-2019, 09:55 PM   #1
Pineywoodkiller
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Default The unthinkable or inevitable happened. IMELDA!

Imelda put about 4Ē in my house. Never flooded before. No flood insurance. There goes my savings. Life will go on but itís gonna be a tough road ahead. We sure could use some green screen prayers.


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Old 09-21-2019, 10:01 PM   #2
lovemylegacy
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Before you spend your life savings, there should be some gov help you can apply for.
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Old 09-21-2019, 10:01 PM   #3
kcmarullo
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Prayers up for you and your family I have been there.
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Old 09-21-2019, 10:06 PM   #4
Rotney
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Prayers for ya. Ck every avenue for assistance
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Old 09-21-2019, 10:07 PM   #5
NotJose
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Sorry to hear that man.


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Old 09-21-2019, 10:09 PM   #6
Pineywoodkiller
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Old 09-21-2019, 10:10 PM   #7
Jon B
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Prayers up... Psalm 55:22. If you need help pm me. I will drive down to help a fellow brother out.
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Old 09-21-2019, 10:38 PM   #8
rtjh
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I went through that with Harvey, 5' of water in the house with no flood insurance. You need to apply for FEMA assistance. Life is going to suck for a while but dont worry it gets better.
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Old 09-21-2019, 11:15 PM   #9
Hunter98
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Prayers for you and your family. You should be able to apply for FEMA assistance

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Old 09-21-2019, 11:52 PM   #10
Artos
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Fire is worse for you mentally imo...was in the 3rd grade so didnít have all the adult responsibilities of the aftermath but the smell / images are forever stamped.

Started a thread right before weather season here on tbh about fema being worth it or not...amazing to me how many down here donít have it & consider the odds. Doesnít really take all that much to have a storm sit on you. Just got past my 30 day window for coverage & likely wonít have a claim just like other years I never needed.

Donít screw around & get it!!
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Old 09-22-2019, 12:19 AM   #11
Etxbuckman
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Quote:
Originally Posted by lovemylegacy View Post
Before you spend your life savings, there should be some gov help you can apply for.
Not to sound cold but National Flood Insurance Program flood insurance policies are government subsidized already. Everyone in SE Texas should have it.

OP I’m sorry this happened. Hopefully the repairs aren’t too costly and can get done soon.

Last edited by Etxbuckman; 09-22-2019 at 12:28 AM.
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Old 09-22-2019, 12:41 AM   #12
Kevin
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It’s ridiculous that our government allows insurance that doesn’t cover basic stuff like flooding. Same for uninsured motorist. We are a nation ran by corporate interests. Industry sectors like healthcare and insurance and not controlled by market demand but are instead bolstered by lobbyists and value manipulation.

Prayers up.
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Old 09-22-2019, 12:43 AM   #13
Kevin
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Quote:
Originally Posted by Etxbuckman View Post
Not to sound cold but National Flood Insurance Program flood insurance policies are government subsidized already. Everyone in SE Texas should have it.

OP Iím sorry this happened. Hopefully the repairs arenít too costly and can get done soon.
This is ridiculous. Do you need separate insurance coverage for someone driving a car into your house because your house is at an intersection? Do you need additional lightening coverage because you are located on top of a hill? How is this different?
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Old 09-22-2019, 08:47 AM   #14
JHT
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Y'all will get through it. Been there.

The tile floors need to go too. It looks like you might be trying to save them.
Not a good idea at all. That nasty water is trapped underneath them. They eventually will start to pop and for health reasons get rid of them now while the house is a mess.
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Old 09-22-2019, 09:06 AM   #15
Mike
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Quote:
Originally Posted by JHT View Post
The tile floors need to go too. It looks like you might be trying to save them.
Not a good idea at all. That nasty water is trapped underneath them. They eventually will start to pop and for health reasons get rid of them now while the house is a mess.
I will go against the grain here on this one as I have been through it myself with Ike, Harvey and another rain event in 2018. Since you don't have flood insurance, you need to leave those floors intact but dry the house well. I have dealt with a lot of flooded homes in my neighborhood and area. I see you have already cut out sheetrock, that tells me that the water was only in there a little while, you will be fine on the floors. Flooring will eat up a lot of whatever money you get. The water was in and out, leave them. I have pulled up tile 2-8 years after flooding and there was no signs of mold, in any house I demoed. Granted, these homes had water in them less than a day or two.

Another note, go ahead and cut 4' out everywhere. Labor will be more on half sheets. Find the seam at 4' and take it out there in those places you only have 2' gone. In the end, it will look a lot better as well.

File for FEMA as soon as it's available.
Turn your AC on cold as low as you can get it and let it run.
Find some dehumidifiers and get them running along with many box fans, move the air around.
Take a lot of pictures.
Keep a box of receipts, even hand written on all work done, you will write this off as a casualty loss on your 2019 taxes and should receive a substantial return on your next couple of years taxes.
Make sure your Appraisal District knows you flooded, your home will lose at least 50% of it's value on paper, the tax rolls, until you are completed with repairs. This is also a casualty loss and you will take advantage of that on your taxes.

PM for any other info needed.

Prayers Sent, it gets better, trust me. Been there several times, with and without flood insurance.
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Old 09-22-2019, 09:20 AM   #16
Quackerbox
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Quote:
Originally Posted by Artos View Post
Fire is worse for you mentally imo...was in the 3rd grade so .



Donít screw around & get it!!
Agreed. My family has lost 2 houses to fire. One to idiot mistake and the other due to ford. Even what you do save smells like fire

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Old 09-22-2019, 09:22 AM   #17
JHT
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Quote:
Originally Posted by Mike View Post
I will go against the grain here on this one as I have been through it myself with Ike, Harvey and another rain event in 2018. Since you don't have flood insurance, you need to leave those floors intact but dry the house well. I have dealt with a lot of flooded homes in my neighborhood and area. I see you have already cut out sheetrock, that tells me that the water was only in there a little while, you will be fine on the floors. Flooring will eat up a lot of whatever money you get. The water was in and out, leave them. I have pulled up tile 2-8 years after flooding and there was no signs of mold, in any house I demoed. Granted, these homes had water in them less than a day or two.

Another note, go ahead and cut 4' out everywhere. Labor will be more on half sheets. Find the seam at 4' and take it out there in those places you only have 2' gone. In the end, it will look a lot better as well.

File for FEMA as soon as it's available.
Turn your AC on cold as low as you can get it and let it run.
Find some dehumidifiers and get them running along with many box fans, move the air around.
Take a lot of pictures.
Keep a box of receipts, even hand written on all work done, you will write this off as a casualty loss on your 2019 taxes and should receive a substantial return on your next couple of years taxes.
Make sure your Appraisal District knows you flooded, your home will lose at least 50% of it's value on paper, the tax rolls, until you are completed with repairs. This is also a casualty loss and you will take advantage of that on your taxes.

PM for any other info needed.

Prayers Sent, it gets better, trust me. Been there several times, with and without flood insurance.
There is a right way to fix this or a cheap way to fix this.
It's in his best interest do do it the right way.
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Old 09-22-2019, 09:32 AM   #18
Mayhem
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Im trying to figure out what neighborhood you live in. Cumberland Crossing?
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Old 09-22-2019, 09:46 AM   #19
Big pig
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Quote:
Originally Posted by rtjh View Post
I went through that with Harvey, 5' of water in the house with no flood insurance. You need to apply for FEMA assistance. Life is going to suck for a while but dont worry it gets better.
Yep. At 59 years old during Harvey, I was tired a lot, but we got some assistance and got thru it. Now I have flood insurance and hope I never need it.

Prayers and best wishes.

BP
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Old 09-22-2019, 09:52 AM   #20
Patriot-2000
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Prayers Up for Everyone ...
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Old 09-22-2019, 10:48 AM   #21
Huggybear
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Like mentioned above, cut out 4ft out of he wall.
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Old 09-22-2019, 11:01 AM   #22
hopedale
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Quote:
Originally Posted by Mike View Post
I will go against the grain here on this one as I have been through it myself with Ike, Harvey and another rain event in 2018. Since you don't have flood insurance, you need to leave those floors intact but dry the house well. I have dealt with a lot of flooded homes in my neighborhood and area. I see you have already cut out sheetrock, that tells me that the water was only in there a little while, you will be fine on the floors. Flooring will eat up a lot of whatever money you get. The water was in and out, leave them. I have pulled up tile 2-8 years after flooding and there was no signs of mold, in any house I demoed. Granted, these homes had water in them less than a day or two.

Another note, go ahead and cut 4' out everywhere. Labor will be more on half sheets. Find the seam at 4' and take it out there in those places you only have 2' gone. In the end, it will look a lot better as well.

File for FEMA as soon as it's available.
Turn your AC on cold as low as you can get it and let it run.
Find some dehumidifiers and get them running along with many box fans, move the air around.
Take a lot of pictures.
Keep a box of receipts, even hand written on all work done, you will write this off as a casualty loss on your 2019 taxes and should receive a substantial return on your next couple of years taxes.
Make sure your Appraisal District knows you flooded, your home will lose at least 50% of it's value on paper, the tax rolls, until you are completed with repairs. This is also a casualty loss and you will take advantage of that on your taxes.

PM for any other info needed.

Prayers Sent, it gets better, trust me. Been there several times, with and without flood insurance.

Prayer sent OP

Good info from Mike. And the Gov. will offer low interests loans, so you can avoid using up your savings.
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Old 09-22-2019, 11:09 AM   #23
Pedernal
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Prayers up
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Old 09-22-2019, 11:12 AM   #24
14JKURX
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Prayers Sent
You have a PM
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Old 09-22-2019, 01:27 PM   #25
Krivoman
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wood floors for sure rip up, the tile you have in pictures, i would leave as fast as it appears to have come in and left. Also when you mop tile floors, water goes on grout the same.
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