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Wow! The ignorance, and excuses for mooching off of everyone else  on here is breathtaking!

I find it bizarre that people receiving free money to fix their homes are berating people who paid huge annual premiums for insurance.  I don't know know who this $400 guy is, but his home obviously  wasn't deemed a high risk, and hadn't flooded since 1974.   Most people I know pay in the range of $1200-$2500 annually for flood insurance in addition to a $1600-$2500 homeowners policy.  If you don't have insurance and you live on the outer barrier, you are just plain irresponsible, or working the system.

You think they should get rid of federal flood insurance? Okay, then turn Point Lookout, Long Beach, Lido Beach, Atlantic Beach, Charleston, New Orleans, Miami,  and every city and town like them into marsh land, or park land, or only land inhabitable by the super rich who can self insure.  Without insurance, normal people can't live there and businesses can't function.  But while your at it, get rid of the welfare for the people who don't bother to insure at all. screw your $31,000.  What makes you think your entitled to it?  Let everyone go it alone, because that's what you're saying. 

How you can even attempt to justify taking a free ride over someone that actually did the responsible thing and paid into insurance is pathetic.

FEMA has taken over Long beach.  Many homes, though they look habitable, have been condemned. They must be raised to a higher elevation to get building permits and c.o.'s., and flood insurance going forward.  While FEMA is playing games on payouts (remember it's not really the insurance companies, they just administer FEMA's policies and procedures), they are at the same time making the rules that they don't want to live by.  It's a daisy chain of a cluster fu@k.

Finally, just so you know, once you've successfully run the gamut to get your insurance settlement, if you have a mortgage, (as so many young families-and even older ones do) you have to sign your check over to the bank.  The bank then demands that you use licensed, insured contractors to do all of the work on your house before they release any money to you. I finally just got an insurance check and my bank will  release a check for twenty percent of the settlement to begin work. 4 months later.  After i submit w-9's and lein waivers for every job being done at my home. Help me find a contractor who will schedule his crew around that, and wait for me to struggle to satisfy the bank every step of the way for their future compensation.

From: Cut the red tape!

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