Its not a welfare mentality I dont believe. You see, when they declare it a disaster area, you have a hell of a time getting your insurance to cover damages because they figure FEMA will cover the damage cost. Therefore, most people are depending on FEMA to cover the cost because the the insurance isnt. Please dont flame hard working people on this board for trying to get their homes fixed after being damaged by a natural disaster. It sucks to try to get your home fixed and you see them handing out $40-50,000 dollars to crackheads living in shotgun shacks who never worked a day in their lives and live off the govt. I fully expect to pay for everything that gets damaged at my home, but why should I have to foot the bill completly and not the crackhead living off the govt.That is my only arguement, either give to all or give to none.

 

LOL I have to agree with you, it seemed the length of time I was in college was directly related to a loss of intellect on my part. I guess your the genius because you figured out how to lose a bunch of your hard earned money to get 5K from the feds. It seems like the rest of us are fighting a losing battle to the National Debt with our tax dollars.

My issues are that if you live somewhere that has elevated risks of flooding the government shouldn't allow you to keep building there. Look at New Orleans dump a crap load of money into a city built below sea level.

And complaining about the distribution of FEMA funds is a joke. They should only pay for emergency shelter and food.... If you choose to live there why should anyone else have to pay for your choice?

 

god forbid you should ever live though a national disaster.

 

I agree. But why should Joe Blow living off the govt get special treatment and the working taxpayer get the shaft. Fema sticks it to ya and your insurance sticks it to you. They created this problem by nursing all the katrina evacuees. Now you play hell trying to get your insurance companies to give up the funds like they should because they think almighty FEMA will take care of you. Bottom line, if you live off the govt and are a piece of crap in everyday society, all you have to do is sit at home and Fema as well as Red Cross will knock on your door with open arms and big checks. If you work hard, pay taxes, and have insurance, you will have to fight tooth and nail just to get your property taken care of. Most people speaking in this thread have first hand experience. If you sit back and watch it on tv, you have no clue what really goes on so I dont think you have a right to judge people who deal with these problems.

 

MNC5, first off I apologize for my comments earlier. You just hit a sore spot. Sorry to get off topic.

I'm not saying one should take advantage of the government help. This is probably the reason why the help isn't just that. FEMA isn't for providing shelter and food, that is the job of The Red Cross.

You aren't helping anyone here by being so negative. Why not try to help your fellow board members find a way to get their lives back together?

As far as rebuilding in areas succeptable to flooding again I have to agree with you that it is a bad idea to a certain degree, but precautions can be made to prevent it in the future am I right? My town flooded because a canal broke and it isn't in a flood plain at all. In fact I was refused when I tried to purchase flood insurance when I bought the house.

It's hard to imagine what it's like to go through if you haven't had to yourself. All you can do is listen and try to understand what the people are going through.

 

Your right, I could have made my point without being such a Azz.

 

Like helicopters delivering pizzas roof top to roof top?

 

Exactly. Just don't call Little Caesers,they don't deliver.

 

Here's something else to think about in this wonderful process. We are covered out the a$$ with insurance, Homeowners, Texas Wind & Storm, and Flood. Not one of them could we use to support the cost of a generator to stay in our home, not even a way for us to rent one for that matter. So out of pocket we were to travel for a homelike environment for us and the dogs for 8 days.

Yes I do feel bad for those who have lost everything, it's terrible. I am hoping that FEMA will come through for them. More than some were denied flood insurance, or because they owned their property out right weren't required to have it b/c there wasn't a mortgage supporting it.

I do suggest though in the future that when buying a home or property that the flood plain be checked and will insurance companies cover the area. Even if it's not required buy the insurance anyway. Yeah I know why pay for something that you don't need, but that's why they call it insurance. Another suggestion is to have the insurances included in the monthly mortgage payment, this way you know it's going to get covered. I think that our Texas Wind & Storm was added at a later point because it became a requirement in the area.

 

Also keep current on the flood zones in your area, they change them from time to time and you may end up being in one.