Earlfor

[LAB3]

Given these realities Earl's expectation of a write-off is a near certainty as mould will permeate every part of the house, whether visible or hidden.

.

It could also be possible to strip it down to the studs, dry it out and then disinfect it but then again, I'm not the kind of person that easily gives up in the face of adversity.

[Big T]

Yes, there's industrial strength fungicides that kill mold in seconds.
Nasty stuff, tho
I know Earl has talked about a lake forming on his property from past storms. Hopefully, this time a lake and not a river

[argonsagas]

It could also be possible to strip it down to the studs, dry it out and then disinfect it but then again, I'm not the kind of person that easily gives up in the face of adversity.

Full marks for determination !

Possible, perhaps, as foundational and/or structural damage are likely but the extent of damage cannot be determined until full professional inspection becomes possible..

[LAB3]

Full marks for determination !

Possible, perhaps, as foundational and/or structural damage are likely but the extent of damage cannot be determined until full professional inspection becomes possible..

Neither of us nor even Earl himself has been there to assess the damages. I'm not sure what's in it for you personally by bringing a doom-and-gloom outlook into the situation.

[LAB3]

Yes, there's industrial strength fungicides that kill mold in seconds.
Nasty stuff, tho
I know Earl has talked about a lake forming on his property from past storms. Hopefully, this time a lake and not a river

Yeah that's probably the type of stuff requiring a high level of PPE to work with not to mention requiring a license to purchase but I'd venture to guess there's plenty of contractors down in Florida that specialize in that sort of thing.

[Vmass]

I'll assume Earl is well versed in the need to hire a Public Adjuster. If not, please let him know he should do so asap. Easier said than done in the enviroment down there, but I would consider it a neccessity.

[bccap]

I'll assume Earl is well versed in the need to hire a Public Adjuster. If not, please let him know he should do so asap. Easier said than done in the enviroment down there, but I would consider it a neccessity.

I thought if there was any actual risk of flooding insurance was pretty much " unobtainium " .... But I don't know that for sure ......

[Vmass]

I thought if there was any actual risk of flooding insurance was pretty much " unobtainium " .... But I don't know that for sure ......

That sucks if he is uninsured for his damages. Maybe he will be lucky and with some help get it classified as huricane damage vs. flood damage........I certainly don't know all of the Florida storm in and out with regard to storm damage.

[bonanzadave]

I'll assume Earl is well versed in the need to hire a Public Adjuster. If not, please let him know he should do so asap.

F!! I was afraid of that. I saw a report of the unfortunate folks who are victims of these storms who are now facing the insurance (or NO insurance) rabbit hole. WOW ! I can't imagine the despair these folks are living through.....

Earl, I'm glad to hear your at least safe and hoping for some positive news.

[bccap]

That sucks if he is uninsured for his damages. Maybe he will be lucky and with some help get it classified as huricane damage vs. flood damage........I certainly don't know all of the Florida storm in and out with regard to storm damage.

Like I said I don't know . But I do know insurance companies, and Florida gets whacked on a regular basis . They aren't in it for the policy holder ..... I'm sure at best it would be outrageously expensive. Perhaps Don would know something about whether it is available and at what cost ? From previous posts from Earl on hurricanes including one where the sandbags he used stopped the flooding just short of his house. I suspect any insurance company would have reservations about insuring him ...... But I sure as Hell hope I'm wrong and he does have coverage .....

[bccap]

Had a look on line and you can get flood insurance and it isn't as bad as I thought it would be . The statewide average is $628 per year. Of course ultimately it depends on how expensive your house is and how prone to flooding your area is. But I thought it would be far worse than the numbers at this link ......

https://www.moneygeek.com/insurance/flood/florida-flood-insurance-costs/

[dpep]

Earl did not have insurance. In Florida depending upon where exactly you live it can be not available at all or only at an enormously high cost.

I was not insured when I got flooded out by Irma in 2017 and had not been for several years. But I still came out ahead on the recovery costs versus what I would have paid to an insurance company to that point. I live 200 yds from the St Johns river. Part of my decision to skip the insurance was the realization that anymore what paying a monthly premium does is give you legal standing to take your insurance company to court. It does not guarantee your house will be made right.

I was fortunate in that my house is 100 years old, has plaster walls and old school hardwood floors. Everything dried out intact. I pulled or drilled all the baseboards to let out moisture and spray in fungus treatment. But the water only got up two feet in my house (higher in the garage) and the water, though brackish, receded after one day. It sounds like Earl's entire living area floor to ceiling was inundated and remains under water over two weeks later. He will not be as "lucky" as I was.

[trevor]

I read it that what he saved in premiums he used that money for repair...where did he say gov bailout?

[dpep]

I read it that what he saved in premiums he used that money for repair...where did he say gov bailout?

Yes, that was the point. It was just an illustration of one of the things the homeowners here have to weigh for insurance decisions. It would not apply to every situation but it did apply to mine.

[bonanzadave]

I assume the insurance decision is only if you own the house outright. I don't believe any home lender that's using the home for collateral is gonna let it go uninsured.

or are you referring to another policy for just flood insurance ?