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“So if people don’t have flood insurance, are they going to be put ahead of us?” asked one resident.

I find that comment extremely selfish. First of all NYS rising prohibits folks with vacation homes etc from applying. It is mainly intended for primary residences and it considers income.

Widows and orphans and elderly folks are usually the ones with no mortgage. Large parts of Long Beach was put in a flood zone as recently as 2009. These folks were never asked to get flood insurance during the 30 years they had a mortgage, after mortgage was paid off and FEMA decided that flood insurance is required for folks with mortgages FEMA made no effort or attempt to get these folks to sign up. Why, cause FEMA insurance only charges 1/3 the actual cost. Every new costumer comes at a loss to FEMA, FEMA is mainly interested in FHA backed mortgage loans flood insurance. Yes uncle sam owes your mortgage and wants to make sure the underlying collateral is properly insured. FEMA even stated if all folks not only folks with FHA mortgages in high risk areas signed up for flood insurance it would bankrupt system. So in effect the Widows and orphans and elderly folks subsidize the folks with flood insurance.

Now a guy in this article who got paid 60k while widow next door got paid 31.9K is begrudging her one chance to get some money for her house.

Folks with flood insurance are not really Sandy Flood Victims. Usually they are victims of a bad adjuster, bad insurance company, contractors who overcharged or FEMA policies. Nothing to do with Sandy. My next door neighbor spent 110K on house and only got 70K and was complaining about his insurance. Meanwhile I saw Servepro in there doing a rip out for 15K, expensive Mold Remediation work done, top of the line cabinets being replaces as they got a little wet etc. That is what ran most of bill up to 110K, I think he could have easily got it done for 70K. He is also applying to these fund to get his 40K owed.

Folks with flood insurance and financial means should be volunteering to let the widows and ophans with no flood insurance to front of the line for whatever scraps they get.

From: Another FEMA forum grows heated

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