Where are the complaints about obama falling down on this and not caring?If it were a republican president the media hype against him/her would be deafening.
it is congress that decides who gets relief.. you might want to check with your republican buddies when voted no.
Always worked that way, below ground level, minimal coverage. Good incident to keep in mind when developing your basement.
Where did all the money from all those fundraisers go? Robin Hood Foundation? Restore the Shore? United Way? Red Cross? Seems to me the big push was to pour money back into boardwalk areas and businesses. How about the little guy whose house is still a mess?
Sell the damn heap, even at a loss, and move into an apartment or condo! Why are you staying in such a hopeless situation? Sometimes you need to make your own future.
isn't there some billionaires that could help these good americans ; that were mostly hard working ,people out , that would be so much more awesome than hearing about other ways these same people with all those $$$ give!!!
Oh, the 1%-ers like to take about private citizens taking up the charitable/safety net roles from the government, but when it actually comes to opening the pocketbook, they somehow lose interest. As in every other aspect of their strategy, the vast majority of them are in it for themselves and nobody else. For every Gates and Buffett there are a thousand hypocrites.
Funny thing. I know that Gates was never a chariable type of person. The reason he even have a charity fund was due to the IRS "convinced" him to do it (tax him heavily if he don't). Read/Heard it somewhere on a biography about him.
Unfortunately, if any part of a dwelling is below grade it's considered a basement, even if half of the walls are above grade.
FYI.....Most (almost All) Flood Insurance is provided by The Natl Federal Insurance Program (but you purchase it through an insurance agency). Only a hand full of ins companies actually write it and it's mainly for high value homes.
Actually, flood insurance is for everyone. It is not for high value homes...high value homes max out their primary flood coverage(usually at $250K) and then buy Excess flood policies to cover the remainder of the value of their home. The NFIP rates are pretty low and since I have worked with flood insurance for the last 8 years, I can tell you that based on the quotes for repairs as mentioned and the premium she is quoting, she lives in a CBRA zone and coverage is not available for her under the NFIP. That means she got her insurance through a non-admitted company which does not always have to adhere to traditional insurance regulations(including how claims are payed out in the event of a disaster). Also, because it is most likely a CBRA policy, basements are only covered as storage space for most companies as they prefer elevated homes with any ground level flooring to be used only as storage. This was something she should have checked into before purchasing the home and the banks are usually VERY clear about the risks and strict about the insurance. Also, the policy covers the walls and the floors, not fixtures and furniture unless she paid for additional content coverages.
If you read a standard NFIP flood policy they do not cover any personal belongings AT ALL below grade. The only thing in the "basement" they cover, aside from the building itself, is the equipment necessary to the running of the house such as electric boxes, furnaces, etc. Finished basements no matter how nice are not covered for the contents or the improvements. Back up of sewers and drains, etc is an add on coverage to Homeowners and will cover contents however, most often it caps out with many insurers at $5000. People really need to educate themselves and read their insurance policies to understand what they are not covered for. I feel very sorry for this woman and hope one of the many "charities" that collected money for these victims actually gives them some.
I can sympathize with the homeowner in this story, Mrs. Sobolov. She seems very brave and determined.As a young, college graduate 30 years ago, I rented a basement apartment without ANY insurance. Well,I found out the hard way, after the first hard rain, the toilet and bathtub would back up and flood the my hallway and bedroom. The building owner said there was nothing they could do, by I learned later from a plumbing contractor there is a solution. It requires installing a one-way "check valve" in the waste pipe. Later, when I bought a condo with smiliar drainage problems in the basement, I had the valve installed. It saved alot of grief!
It's because Obama is a racist!