suggs Posted September 30, 2015 Posted September 30, 2015 I get a call from my realtor after I'm done with teaching for the day. She says the bottom floor of my house is completely flooded due to the eight inches of rain that fell overnight after in rained in the area (Southwest Virginia...so, high up in the Appalachian Mountains!) for about three days in a row. Driveway is destroyed, pipes are exposed, floorboards on the entire ground level are completely warped, and a large part of my yard was, and I quote, swept away. I don't have flood insurance and can't afford the repairs, but the real kicker...we were supposed to close on selling the house an exact week from today. This Mag 46 from 2008 has a tall order to fill.
OZCUBAN Posted September 30, 2015 Posted September 30, 2015 Sorry to hear about your mishap keep your chin up and hop everything turns out for you mate ,hope your cigars are ok Cheers 1
rckymtn22 Posted September 30, 2015 Posted September 30, 2015 Wow that is a kick to the nuts. Sorry to hear that. Try to enjoy the cigar 1
oliverdst Posted September 30, 2015 Posted September 30, 2015 Enjoy your cigar and I hope everything will be ok in few weeks/months. 1
suggs Posted September 30, 2015 Author Posted September 30, 2015 Thanks all. The house is currently sitting vacant because I moved to North Carolina; so thankfully my cigars are all present and accounted for! (Priorities, right?) 1
stogieluver Posted September 30, 2015 Posted September 30, 2015 Unbelievably resilient character you're showing after a disaster like that. My prayers are with you and your family. I empathize with your situation (living in the bulls eye of hurricane ally) having experienced similar damage to property we own. I hope that smoke eased the pain. Hang in there and take it one day at a time. 1
... Posted September 30, 2015 Posted September 30, 2015 Do you have surface water damage insurance or other type of water damage insurance? Flood is but one type...
DropTopDee Posted September 30, 2015 Posted September 30, 2015 That constant rain has been a problem here in NC. Sorry to hear about your misfortune 1
dflan82 Posted October 1, 2015 Posted October 1, 2015 Sorry to hear man. At least you have a great cigar to ease your mind for the time being. I'm sure you did a lot of thinking while enjoying that aged Mag 46 (one of my favorites) 1
Hunter1974 Posted October 1, 2015 Posted October 1, 2015 Unbelievably resilient character you're showing after a disaster like that. My prayers are with you and your family. I empathize with your situation (living in the bulls eye of hurricane ally) having experienced similar damage to property we own. I hope that smoke eased the pain. Hang in there and take it one day at a time. agreed!!! I know your pain brother . This to shall pass 1
MrGTO Posted October 1, 2015 Posted October 1, 2015 Having lost a house to fire I feel your pain. It's tough but you push thru it. Hopefully your insurance company was great like ours. I'll smoke a cigar for you! 1
Habana Mike Posted October 1, 2015 Posted October 1, 2015 Man, that sucks hard! Hope you get through, sure you will with a good attitude and some fortitude. 1
MrGTO Posted October 1, 2015 Posted October 1, 2015 I'll just follow up by saying if your insurance company gives you any grief and you think your policy covers your damage I would have a lawyer look over it for you. If you live in a place where you didn't have to have flood insurance (most mortgage companies look at that before you buy a property even if you live on a side of a mountain and require it if you need it) then you should be covered.
Fosgate Posted October 1, 2015 Posted October 1, 2015 I'm a field adjuster for an insurance company and deal with water damage on a regular basis. You would be surprised at how much can be saved if you open the windows and run fans to get it drying. I've worked with some crappy contractors that work at water remediation and some really great ones. Get one in to dry things out and setup high movement fans ASAP. (around here it runs about $3k for 3 days setup and monitoring.) Leaving your windows closed can lead to mold growth but if you keep the air circulating it is pretty easy to save the sheetrock and the floorboards can often return to normal after a week or two of drying out. Be careful of uncertified water remediation companies that start estimating things before dry. I'm fighting one jackwad of a contractor right now trying to tell me this place needs $10,500 worth of work for water damage from a dishwasher that an insured waited 3 months to report to us. I've had 2 appraisers and another contractor go in and come within $100 of $1900 to replace a section of subfloor, a few tiles, ceiling tile etc. This idiot comes in an says he is going to destroy the tile and the cupboard, counter-top and he will never match the backboard tile and that the joyces may be warped etc. Just gets our insured worked up and devastated and just leaves. We and other contractors are working to file complaints to get his license pulled. Watch out for those guys. Now virtually every carrier does not cover flood (ground water), However, you would be surprised what they may cover if not only flood happens but your sump pump fails, (which is often common). Check for a water and sewage backup endorsement on your policy and coverage limit for that. Regardless call your insurance carrier. At the least they can point you to good water remediation people and the ones to avoid. PM me if you have questions.
Phinz Posted October 1, 2015 Posted October 1, 2015 Virginia has issued a state of emergency, due to the existing and predicted flooding... If that turns into a request for federal assistance, you might have the opportunity to apply for some funds via FEMA. I went through this process before, and it certainly wasn't enjoyable (more bureaucracy than I've ever previously experienced), but the final outcome was very positive. Just another avenue to consider! Hope your insurance comes through and makes you whole! 1
MrGTO Posted October 1, 2015 Posted October 1, 2015 I figured with the broad base of members on this forum somebody would be able to chime in and help. Glad they did!
soildoc Posted October 1, 2015 Posted October 1, 2015 Having gone through something similar. I feel your pain. Glad to see you're able to keep your head up and get through this. Enjoy your cigar. I'm sure it will be one to remember. Sent from my iPhone using Tapatalk
ShortFatHokie Posted October 1, 2015 Posted October 1, 2015 Where is your home in SWVA? I live in the area...its been extremely wet since Friday with a lot more rain on the way. I'm fairly safe from flooding where I live but I know for certain, folks downstream are going to get hit hard with flooding over the next several days. Very sorry your home was damaged. Just stay safe over the next few days...things can be replaced, people can't be.... 1
Anth87 Posted October 1, 2015 Posted October 1, 2015 Sorry to hear if your unfortunate circumstances - May that cigar be good - hopefully insurance or advice from here will assist in recovery
suggs Posted October 1, 2015 Author Posted October 1, 2015 Where is your home in SWVA? I live in the area...its been extremely wet since Friday with a lot more rain on the way. I'm fairly safe from flooding where I live but I know for certain, folks downstream are going to get hit hard with flooding over the next several days. The house is (was?) in Christiansburg. Thanks for everyone's advise, input, and well wishes. I'll be contacting the insurance people again, and I may indeed get a lawyer to look things over. I'd really really not like to have to foreclose on this, so I'll do what I need to to keep that from happening.
Recommended Posts
Create an account or sign in to comment
You need to be a member in order to leave a comment
Create an account
Sign up for a new account in our community. It's easy!
Register a new accountSign in
Already have an account? Sign in here.
Sign In Now