Nnanji
Posts: 4552
Joined: 3/29/2016 Status: offline
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quote:
ORIGINAL: jlf1961 quote:
ORIGINAL: Marini Hi Jeff, you have some great points here. I read about how the homes should be built in the flood zones. I am sure it at least doubles/or triples the price to build homes that are 20 feet off the ground, using concrete, etc. At the end of the day, funny how most of these situations, come down to MONEY. I would bet the majority of the people with homes in that area, could not afford to build or buy homes that are 20 feet off the ground. CAPITALISM at its finest. Actually, building the home on piers or pilings does not add that much to the cost, and in coastal areas, most new construction have those limits, at least after Andrew, Katrina etc. Of course, the local building code enforcement office can issue waivers on this requirement, and grease enough palms, people get them. A friend of mine on the Texas coast spent a few years in Holland, and has started a business building homes that, in the event of a major flood, will actually float, using the techniques and technology developed in Holland for the very same reasons. Personally, every time I lived on the coast, I lived on a boat, and could just untie and head for open water, and depending on the track, get far enough off the track not to have to worry about it. And for the cost of some of the houses built on the coast, with water frontage, a boat would make more since and be cheaper, with the added bonus of being able to move if you got tired of the neighbors. To my knowledge the building department can't be bribed into violating code. But, perhaps it can bein your area. However, even if that's the case, no insurance agency in the U.S. will issue home owners insurance for a house built in a flood plane. With no home owners insurance there will be no mortgage. So unless these people greasing palms at the local building department are paying cash for the construction of a home, they aren't being built. In California the State Department of Real Estate has a check list that has to be completed before a house can be built and sold by a developer. Flood zone has to be listed on the check list and if the house is in a flood zone a registered professional engineer has to sign off that the flood zone is mitigated before the developer is allowed to sell the home. Every insurance company that contemplates issuing home owners insurance and evey lending institution contemplating issuing a mortgage checks the DRE filing on the house before anything else. So, you'd have to grease the palms of the building department, a registered engineer, an insurance broker and a banker in order to get that waiver. As violating that sort of thing would pretty much end a career and possible put those professionals in jail, I don't see your scenario happening. Of course I not familiar with practice in Texas so I may be full of shit, but the first flood, I guarantee you the homeowner would complain to an elected official and the building official that issued the waiver would be looking for a job, if not jail.
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