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Saturday, May 28, 2016
State to compensate Sandy victims affected by earth-movement exclusion
(Page 2 of 3)
Anthony Rifilato/Herald
Legislator Dave Denenberg, holding microphone, and other local officials joined residents at an August rally in Mineola to protest a provision of the National Flood Insurance Program.

“Over the last few years, we experienced three once-in-a-century storms that wreaked an unprecedented level of devastation in communities across the state,” the governor said. “While we have made much progress in recovering, many New Yorkers are still left without a place to call home and limited resources to rebuild. Yet it simply does not make sense that some New Yorkers, who were just as hard hit by the same storms as others, cannot be compensated for their losses. That is why the state is stepping up to bridge this unfair gap in insurance coverage.”

Homeowners will need to apply for this assistance through the Office of Storm Recovery, the same office that administers the New York Rising program, which provides grants to homeowners to fill the gaps not covered by insurance, FEMA or Small Business Administration loans.

“I, along with the other members of the City Council, applaud Governor Cuomo’s initiative to compensate Sandy victims whose property damage claims have been rejected by FEMA due to the earth-movement exclusion,” said City Councilwoman Eileen Goggin. “It is unthinkable that FEMA’s National Flood Insurance Program has been denying claims for property damage caused by floodwater pursuant to this exclusion. We are thrilled that Governor Cuomo has responded to our rallying for help and has interceded to ensure that our Long Beach residents and others who have been affected by this exclusion will now be fairly treated and fully compensated for their losses.”

Long Beach residents Ron and Debbie Gialanze attended the August rally and are still protesting the provision. Sandy destroyed their East Pine Street home, and flooding from Reynolds Channel damaged its foundation. Debbie said she is happy that she will be compensated, but she added that the issue isn’t just about Sandy survivors; it should concern everyone who has flood insurance.

“Hopefully this will help us and many other families move forward with repairing our houses so we can move back home,” she said. “But it still doesn’t resolve the original issue; [the law] has to be changed. That’s the most important part of this whole mission.”


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Federal subsidized NFIP is history, and now these same Insurance Companies that didn't pay in the first place, want to rape us over the coals!

Now the requirement is that we all make new NFIP applications, submit photo's of the house and spend $600-$800 for Certificates of Elevation.

Did your house move since Sandy? Mine didn't and they wrote me a policy!

They won't tell us how much the policies are.... AND WHERE ARE OUR ELECTED OFFICIALS????

ABSENT as usual!!!!!!

What say yee Mr. Schuner, Ms Gillibrand, and my favorite non-working elected official, Ms. McCarthy!!!!!!!!

It would be nice if one of these elected officials ever really answered and dealt with a constituent complaint without the paperwork they put in place to put you off.

Thursday, October 3, 2013 | Report this

I own a legal two family home in Long beach and have been paying flood insurance for 20 years. I was denied claims as they claim my first floor apt is below grade. Why has it been mandatory to pay for flood insurance when they wont cover the house when the storm did come? I laid out over $80000 in repairs and only received compensation for the boilers and hot water heaters. You do not walk down stairs to reach this apt.

Why isnt this issue being addressed? Long Island homes are built with the split level style. I am furious and out of a lot of money. Additionally the insurance company is requiring me to pay for flood insurance for this year? Why would i pay for insurance that they wont pay me?

Thursday, October 3, 2013 | Report this

It. Is our elected officials that control the policy coverages and exclusions in the flood insurance, policy. It is the same elected officials that passed the law that instructed FEMA to do away with flood insurance premium subsidies and to charge an actuarially sound premium. The Insurance Companies and FEMA are not raping anybody when it comes to the premiums charged. They are only doing what our elected officials told them to do. The issue of coverage or lack thereof for living spaces that are at least partially below ground level was discussed in the 1970s when our elected officials decided to exclude coverage from the flood policy.

Thursday, October 3, 2013 | Report this

Mets6996 -

Explain this away:

Given: Paying for Insurance that won't pay in case of a legitimate claim is against public policy.

Given: Living in a flood plain and having a mortgage demands that you buy NFIP

Given: Those same policies are riddled with "gotcha's" that even the NFIP isn't sure about

Given: When those who filed claims under the policy (the same people who were mandated to buy), either a) they were denied, b) they were given low-ball settlements (and without the ability to finance a law-suit, are stuck) or c) they are still waiting for payments or d) they got the payments but the Banks are holding the money hostage.

Long and short - the insurance industry and especially NFIP isn't worth the premium we pay. The only people who get rich are the officers and shareholders of the insurance companies.

Last item: Our current recession (up from the depression of 2009) is the results of blatant greed of both the insurance industry, the banking industry and lack of regulation by our fine and upstanding government (the same people that has given you and I a shutdown government).

Saturday, October 5, 2013 | Report this
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