FLOODING Pt-3

 FLOODING Pt-3

Besides having a foot of water in the house and losing the pool, not to mention we didn't have flood insurance! We had flood insurance forever but dropped it for a while and we were in the process of seeing if we could get flood insurance cheaper than what we were paying. The fact is, flood insurance doesn't want to pay anything if you get flooded, if it's not in the house like the first floor, it's a total loss, including anything outside, in sheds, etc.

Here's a sad story.... a couple about a mile or two down the road just bought a house for $100,000! They to get flooded even worse than we did, destroyed everything. They had flood insurance but being they had it less then 30 day's the flood insurance covered nothing! So here they are, just paid out $100,000 for a home that got flooded and they had flood insurance but wasn't covered because they didn't have it for 30 days! Now they have no were to live and they still have to make that house payment. How the hell do you recoup from that?

A lot of people in this area and down the road for miles got hit with flood water, and guess what? The government wouldn't help anyone such as low interest loans to people could rebuild or do repairs that needed to be done. They said there wasn't enough people affected to declare an emergency disaster, really? I know they got a lot of phone calls of people reporting damages from the flood but in the end, no help from the government.

As for us, we got kind of lucky. Right after the flood we had no place to go or stay so we ended up sleeping in a wet, mud-covered house the first night. Then next day though the Red Cross stopped by and gave us a few cleaning materials, something like $500 which we had to pay for three days in a hotel out of whih was still nice to get a shower and a good night's sleep.

After the third night we again had no place to stay so the only thing to do was to come back home and stay here. About that time our daughter got a call from where she works and they put us up for another three nights in another hotel. So for six nights we stayed at a hotel.

After our last night at the motel the only thing left to do was to go back home and do what we could being we didn't have money to be staying at motels, etc. Then we got lucky again! Where my wife works a guy knew another guy that had an apartment and just bought a house which he wanted to rent out. We decided on the house being it was bigger and had a basement, attic, and a garage where we could store most of our stuff that we could save.

Well where my wife worked they got the money together and paid for 6 months rent! That was great!

That gave us time to think about what we wanted to do for sure. We thought about buying another house somewhere else but were getting up there in age to be buying a house. We could rent, but who wants to pay rent every month? In the end, we decided to move back home. Why not? It's paid off, but yes, now it need a lot of work.

What kind of work? All the floors had to be ripped up to the subfloor. All the cabinets had to be ripped out, including the kitchen sink, the bathroom was completely stripped of everything. In all we threw out three dumpsters full of stuff that was ruined.

Ok, were going to move back home..... where are we getting the money to fix things back up and replace things being we had no money and had no flood insurance?

TO BE CONTINUED..............