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Only 50% of folks had flood insurance on the South Shore of LI of houses that got flood. This couple got $180K while while 50% of nieghbors with similar damage only got $31,900.

Now since flood does not cover earth movement they did not have insurance for that. I think it is great they are protesting FEMA pay them out for something they never insured against. They should go for it.

But unless they are also protesting to get earth movement covered for folks without flood insurance who also did not have earth movement coverage it is insult to injury. Wait till neighbor who got 150K less for same damage as this family finds out their taxes are going up to cover a pay out of even more. This protest should be for all. The folks who need the money the most are not invited to this party.

Also earth movement is tough to prove. Did you do a full inspection the day before Sandy of your foundation and take pictures and use a leveling tool? Unless you can prove day before foundation was fine hard to prove Sandy caused it.

For instance I inspected whole foundation for cracks day before Sandy, any crack I found I filled in with concrete. Guess what when I gutted basement under sheet rock I found more cracks and when I redid concrete floor in lower level guess what it was unlevel. Did Sandy cause it who knows.

Far Rockaway and Atlantic Beach NY put in new cement block bathrooms after sandy by boardwalk FEMA inspected. Guess what last weekend during inspection it was discovered settling took place and cement foundations have cracks and there are leaks. Stuff happens.

Also is this something that would be considered for NYS rising if so apply there. Also you can put in for this as a casualty loss on your taxes up to September 15, tor get a case worker from Red Cross or Catholic Charities and look for a grant.

If you did not have insurance over earth movement you did not have insurance, does not mean you wont be covered just look for other avenues.

Anyone with flood insurance is not a sandy victim. They were covered. If anything they are victims of their own misunderstanding of how flood insurance works, bureaucratic stupidity at NFIP or bad contractors. Not sandy.

Biggest victims I have met are I ran into a few elderly widowed ladies whose husbands was in charge of the money and back as far as Hurricane Gloria accepted some FEMA (once in a lifetime grants) and never got flood insurance. The widows were denied the FEMA grant of $31,900 and got nothing. Even more horrible I was talking to a women around 85 trying to see if I could find a grant for her and the neighbor with flood insurance comes to me and says that house is moldy I cant believe she lives there. He then ranted I should sue her for mold spores my house is all redone with my insurance money and she is holding down my property value. Wow.

BTW bringing engineers, town of hempsted buildiing inspectors, lawyers, media attention to fact your foundation is not in good condition is a win all game. That house is tagged ICC, the internet, flood insurance etc has long records.

I cemented my few little cracks, leveled my lower level floor and moved on. We even jackhammered a whole to make sure it was on solid ground. Contractor did it for free.

Most homes were built in Levitt brothers type speed on the 50x100 plots by 20 something workers who just returned from WWII. My old neighbor saw houses on my block going up 60 years ago, Budweiser, cigarettes, coffee and a mandate to get if framed up in one day and move to next house is how it went. Yet 65 years later we have folks questioning the foundation.

My nieghbor was laughing when I asked why house near me was around three feet higher then nearby houses. He said they went to built it and hit water right away. So they built a few more on block and threw dirt on the plot raising it up a few feet then built house on top of mound. I bet guy who owns house is claiming Sandy causes a shift.

Building codes are fairly loose now on Long Island, 40-80 years ago when most houses were built there were almost no codes and no inspectors.

Yet you want NFIP to be able to know a house built on a sandbar 70 years ago the crack under your 1960s Den complete with Shag Carpeting occured during Sandy and not any other time. Hard to say.

From: Sandy victims fight back

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