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jlf1961 -> RE: Trump screws N. Carolina out of Hurricane Funds (5/19/2017 8:52:30 PM)
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From your article:
quote:
North Carolina asked for $929 million from the government in its effort to recover from the disaster last year. The Trump administration has agreed to give it only $6.1 million — less than 1% of what the state said it needed.
Then in the next to last paragraph:
quote:
So far, North Carolina has secured $1.4 billion in state and federal funds for Hurricane Matthew recovery.
So basically the state asked for $929 billion over what it has already secured?
Now I know for a fact that FEMA simplified the home owner low interest loan application for federally insured rebuilding loans, which by the way they are designed would pay off the existing mortgage and basically create a new one.
They also simplified the loan applications for businesses and municipalities.
All of this came out of the 100 plus page loan applications that became the subject of countless news stories after Katrina.
Now, considering the budget has yet to get through congress, we had a fucking huge deficit in the last year of the Obama administration, to go along with the fucking huge deficits of the previous years of the Obama administration, I am forced to ask one simple question.
Where the fuck is the money for hand outs going to come from?
Having lived in North Carolina during the 80's and 90's and owning a home in the state, I know few things about the home owner insurance requirements for the state.
If your home is located in the Piedmont and the coastal low lands, state law requires that the home owner carry a hurricane insurance rider on the home insurance.
It is required for any home with a mortgage for the same rider to be attached to the insurance policy.
And I know the insurance statement regarding hurricane damage on the coast very well.
quote:
For a claim to be paid, the homeowner is required to take all prudent and realistic precautions to minimize damage to the home.
Now, for those who have no clue as to what that means, it is simple.
Plywood over the windows.
Anything that can become a wind blown projectile be secured by being tied down OR moved inside an approved structure, i.e a storage building anchored to the ground.
The insurance companies also understand that anything over a moderate category 2 hurricane is pretty much going to destroy the home no matter what the hell you do to save it.
As for storm surge damage, why the hell do you think no homes anywhere near the coast and within the normal storm surge inland limit is built on stilts?
You dont put the house on stilts, you cant get it financed or insured.
You do anything to close in the area under the house that would prevent water from flowing through that are in an unrestricted manner, you void your insurance.
Mr. Rodgers said it, North Carolina is a coastal state, and 70% of the damaged homes were on the outer banks, those low barrier islands that take the worst of the storm.
Most of the destroyed homes had survived previous storms and were built before the new building codes were put in place, and the homeowners have been advised after every damn storm to demolish the old home and rebuild to the new standard, AND the federal government has offered loans to do just that.
And most of the home owners opted for the "its been here a hundred years, it will be here a hundred more" philosophy, completely forgetting the fact that those barrier islands are not set on stone, or a reef for that matter.
They are basically glorified sand bars that migrate. In a few thousand years they will be a part of the mainland. Look at charts of the North Carolina coast from the 1600's, for christ sake.
The freaking islands were 8 miles further out in the ocean!
Hell the fucking islands change shape so often that charts from 3 years ago are useless.
The Cape Hatteras light house had to be moved because the freaking island it was on had moved further toward the mainland.
South Carolina passed laws that basically said that houses destroyed on those barrier islands are not to be rebuilt period. The state will buy the lot and make it part of the state barrier island wildlife and natural preserve.
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