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Monday, May 30, 2016
Rallying against FEMA ‘loophole’
(Page 3 of 3)
Anthony Rifilato/Herald
City Council members Eileen Goggin and Fran Adelson, far left, Legislator Dave Denenberg, Michele Mittleman, County Executive Ed Mangano and Legislator Denise Ford denounced the earth-movement exclusion clause in the NFIP program.

At the rally, Dave Charles, a claims adjuster specializing in disaster relief, called the National Flood Insurance Program “bad law” that uses the earth-movement exclusion to avoid paying claims, and that Congress ultimately has to change the policy. He said that recent reforms in the program, which is $25 billion in debt, have placed the burden on policyholders.

“They’re sending engineers out there that are phoning it in,” Charles said. “Then they give you the false hope of an appeal — I don’t know a single person who appealed through the normal process and was successful. It’s just the biggest mess I’ve ever seen.”

Long Beach residents Ron and Debbie Gialanze — who have been renting a home in Levittown — hired an attorney after their claim was denied. Sandy destroyed their East Pine Street home, and flooding from Reynolds Channel damaged its foundation.

The Gialanzes had a $250,000 flood insurance policy with Fidelity, but received only $70,000. The company refused to pay the full value of their policy, which would have allowed them to demolish the house and rebuild.

“People don’t realize that they’re being affected,” Debbie Gialanze said. “Maybe they weren’t affected this time around, but when the next flood comes, they will be affected.”

Though the Gialanzes were approved for a Small Business Administration loan, Debbie said they want to avoid taking on more debt.

In April, the federal Department of Housing and Urban Development allocated $1.7 billion in community development block grant funds to the New York Rising grant program, to be used for storm relief and for elevating and rebuilding homes. Gialanze said that she was “finally” set to meet with a case manager from New York Rising last week, and if she is approved, she hopes the money will help her rebuild.

“I have two folders worth of paperwork,” she said. “We’ll see what happens. We just paid off our mortgage and I don’t want to do this again.”


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Folks with flood insurance do not have earth movement insurance. So they want NFIP/FEMA to pay then to repair their foundations even though they never insured for that event.

But wait only 50% of folks had flood insurance. So why are then not protesting that everyone with a FEMA claim also get paid for earth movement. Also if FEMA pays out for this non-covered event the 50% without flood insurance taxes will go up to pay this claim. Insult to injury. Neighbor with identical foundation damage who never insured for it gets paid, you dont and you then you chip in your taxes to pay for it.

They should protest that everyone including folks without flood insurance get paid for earth movement. If no sandy victim insured against it why should only folks with flood insurance get it.

Also can this be covered in a NYS rising grant. Why beat a dead horse just apply to NYS rising.

Thursday, September 5, 2013 | Report this

Let me tell you something, people that did not have flood insurance got the $30,000 from FEMA and a SBA loan and returned to their homes. Guess what??? that $30,000 they got was from the people who paid years of flood coverage and now we are the ones not living at home, paying a mortgage on a house that's uninhabitable and paying rent else where. So Mr Sandeep you are probably one of those people that took my money and the other 1000's of families money and are living in your home laughing at the rest us that are homeless. Guess what? Your day is numbered. Cause when the next big flood comes, SURPRISE you are getting nothing, ziltch....cause that hel is going bye bye too buddy. So enjoy your home now.

Sunday, September 15, 2013 | Report this
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