You have to be kidding, nothing is going to happen until after we are all rebuilt anyway. Signing up for the lawsuit simply menat that MAYBE, after it is all done, I won’t have to declare bankruptcy.
Bottom line is I am not getting what I was told by my agent that I was buying. As a result, our lives have been a living hell for 9 months and it is not close to being over.
My life and the lives of my four year old and toddler will be negatively changed forever. One example is that my marriage will probably not survive the long-term stress resulting in my children being without their father and I being without my husband.
We have not had a home for 9 months. My 4 year old daughter sleeps on the floor, I sleep in a chair and my husband sleeps on the couch of my parents’ familyroom. My 4 year old cries because she misses her friends, she misses her bedroom and she misses her home and toys. She wants to sell lemonade to make money to fix our “flood house” — it is no longer “home” to her. All because of greed and inaction on the part of people enlisted to help us.
Good days are when I wake up and feel like I don’t have the energy to face the day and don’t enjoy anything I do. I can’t remember the last time I had a good day or enjoyed anything. I fight back tears almost daily. For 9 months and counting.
I want my life back. I want to go home. I want to be happy again. I don’t even remember what it is like to be happy.
Most of the negative comments made were so obvisously made by someone who is ignorant to the facts of the situation. Before making such comments, become informed by reviewing the following information.
My family lost our home and all of our belongings in a so called NO NAME storm June 23,2003. We were fully insured by the NFIP {what a joke} and sit here a week shy of 2 years living with our 2 year old in less than substanderd conditions! Of all we lost I miss most the person I use to be. I use to love, and now I am full of rage and anger, I use to trust, and now I do not. I use to give and now I say why give to those that do not help themselves that’s the governments job! I use to be proud to be an American and now I am ashamed! I would like to invite anyone that does not understand the HELL that my family has endured and continues to due to the fraud commited by the NFIP to come and live in our shoes for a weekend! It will be a wonderful holiday vacation in 90 degee weather without air conditioning.
I cleaned homes, cut grass, did a newspaper job, drove a school bus for extra money when we were poor. I finally went to college on Pell grants and scholarships and earned a BS. My husband did the same. We buy a house get flood insurance and thought that was it. We lose almost everything over night and are told by flood insurance we are over insured. We get a SBA loan and start over. Were we at fault? What did we do wrong? Please check out femainfo.us for other information.
Insurers-Agents-Brokers can sell homeowners replacement (Reconstruction) cost valued policies, while at the same time, insurance adjusters are incorrectly estimating (hurricane, flood, hail, fire, earthquake, windstorm, etc.) claims with NEW construction cost values…a common difference of 35-50% of the base dollar value of the loss.
Other claim settlement values being left out (undisclosed), that have been pre-paid for in a homeowners monthly premium payment, is primary-general-sub contractor overhead and profit values.
Whether a contractor is used of not, a claims loss value has common 20-49% overhead and profit value. Sub-total line values on an insurer’s-adjuster’s “estimate” should openly show, or be able to prove, those inherent claim loss values. Many times they do not, to the ignorance-detriment of the policyholder.
We have been slapped around plenty down here in Florida. I do feel your pain.
I am with you guys when it comes to the big Insurance companies…it seems logical that those companies would be less giving…but the little 3rd party WYO guys get paid by percentage of claims/commissions and would rather the claim be large than small (I am 99.9% sure of that).
I have a relative that is in the \”Catastrophic\” claims business and they spend a rediculous amount of time away from their families, friends, and natural surroundings trying to help folks with the overflow of claims.
I could see being mad at the policy writers and enforcers but not the helping hands.
I am a GC in South Florida and a Public Adjuster. I am having a serious issue with Insurance carriers and FIGA starting the practce of NOT paying contractors overhead and profit to my clients even with a signed contract on roofing, fencing, and carpet. So if I follow that line of thinking, the isurance industry not only insists a contractor be hired to do the repairs, but he is supposed to schedule, oversee, be responsible for all the work and at the end of the year, his General liability insurance carrier can audit him and charge him for the roof he made no money on. In short, do the work and kick in some money of your own for our insured. FIGA said they have a lawyers opinion that states that they do not have to pay O&P on these items no matter what. But also refuse to produce the document that says so. So I ask anyone and everyone who can read this or is experiencing the same insane arguement, to research any and all rules, guidelines or directives to disallow or disprove this fictitious rule they are using. As a General contractor, I still expect to be paid the overhead and profit for ALL repairs I am responsible for. The insured should therefore be entitled to be reimbursed for them once incurred. End of Story. Any assistance would be greatly appreciated to stop this unfair trade practice.
EM me at rogerpoegc@gmail.com for information regarding criminal conduct by insurers and adjusters against construction business contractors.
Promoting fraudulent insurance loss claim value schemes, public deception, anti-competitive behavior, economic restriction of trade and theft of premiums by omission of true base loss values is a serious matter for smug and corrupt “adjusters”, who enjoy life outside of prison, to be toying with.
Good adjusters will not play with your reputation and living.
Bad adjusters, supported by corrupt management, hurt children, parents, neighbors, and themselves, in the name of money, greed, and ego.
My late wife & I live on a little island called Hoopers Island in the state of Maryland.
Hurricane Isabel came through and devastated our area.
Our house was left standing and we thought fixable.
A few months after the hurricane and $15,000.00 later the state inspector came through and told us we had to tear it down and build new.
He said the house could not be elevated without tearing it apart to meet new state guidelines.
To make a long story short the reason I am contacting you is to see if you might be able to steer me in the right direction.
My wife and I were moved out of our old house by FEMA and told we had to live in a trailer they brought down to us.
They were worried about the mold in our old house.
We lived in the trailer until November 2005 when we moved into our new home, (about 2 years).
My wife had become ill living in the FEMA trailer and woke up one morning in 2005 slurring her words and not being able to think straight.
I thought she had suffered a stroke.
I took her to the emergency room where they sent her to Georgetown University.
The prognosis was she had developed 7 brain tumors & lung cancer.
She was a non smoker.
We had told FEMA several times that the chemical smells in the trailer would give us headaches, burning eyes, & chest pains, but they told us it was because it was new & the smell would go away. They even sent down inspectors several times to test the air & told us everything was fine.
I met my wife when I was 15 years old and we married when I turned 17.
We spent our entire adult life together.
My wife died June 21, 2006 at the age of 54.
I have spent the last 2 1/2 years trying to control the grief that comes when your whole life is torn out from under you.
I have reached a point where my grief is turning to rage and I would like to see someone pay for killing my wife, but am being told I only had 2 years to file a form 95 claim after she died. Now I have some of the same symptoms my wife showed before she became very ill. I’m afraid this is going to kill us both before justice is done.
This can’t be right. No one ever told me I had only 2 years to file anything after she passed.
I did not think there was a statute of limitations on murder and that’s all this is, legal murder.
With FEMA knowing the formaldehyde was so deadly, why did they just sit by and let people die? I have been in the US Army most of my adult life & am very proud of it. I have seen 3rd world countries that would not treat their people like FEMA treated us.
Can you guide me in the right direction or maybe to someone I can talk with about this?
The government knew the formaldehyde was killing people and did nothing about it.
There’s no way they should be able to get off scot free.
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You have to be kidding, nothing is going to happen until after we are all rebuilt anyway. Signing up for the lawsuit simply menat that MAYBE, after it is all done, I won’t have to declare bankruptcy.
You should reconsider
Bottom line is I am not getting what I was told by my agent that I was buying. As a result, our lives have been a living hell for 9 months and it is not close to being over.
My life and the lives of my four year old and toddler will be negatively changed forever. One example is that my marriage will probably not survive the long-term stress resulting in my children being without their father and I being without my husband.
We have not had a home for 9 months. My 4 year old daughter sleeps on the floor, I sleep in a chair and my husband sleeps on the couch of my parents’ familyroom. My 4 year old cries because she misses her friends, she misses her bedroom and she misses her home and toys. She wants to sell lemonade to make money to fix our “flood house” — it is no longer “home” to her. All because of greed and inaction on the part of people enlisted to help us.
Good days are when I wake up and feel like I don’t have the energy to face the day and don’t enjoy anything I do. I can’t remember the last time I had a good day or enjoyed anything. I fight back tears almost daily. For 9 months and counting.
I want my life back. I want to go home. I want to be happy again. I don’t even remember what it is like to be happy.
Most of the negative comments made were so obvisously made by someone who is ignorant to the facts of the situation. Before making such comments, become informed by reviewing the following information.
Please check out the following link in order to see problems Undersecretary Brown was aware of:
http://www.femainfo.us/Links/Brown_email_summary.pdf
Check out this website to see Congressional Testimony of calls for DOJ investigation:
http://www.femainfo.us
Check out the testimony at the congressional hearing at the following website:
http://www.femainfo.us/legislative_actions_congressional_hearing_041405.shtml
This website is also very informative:
http://www.catadjuster.org/forum/m_899/mpage_1/key_/tm.htm#899
My family lost our home and all of our belongings in a so called NO NAME storm June 23,2003. We were fully insured by the NFIP {what a joke} and sit here a week shy of 2 years living with our 2 year old in less than substanderd conditions! Of all we lost I miss most the person I use to be. I use to love, and now I am full of rage and anger, I use to trust, and now I do not. I use to give and now I say why give to those that do not help themselves that’s the governments job! I use to be proud to be an American and now I am ashamed! I would like to invite anyone that does not understand the HELL that my family has endured and continues to due to the fraud commited by the NFIP to come and live in our shoes for a weekend! It will be a wonderful holiday vacation in 90 degee weather without air conditioning.
I cleaned homes, cut grass, did a newspaper job, drove a school bus for extra money when we were poor. I finally went to college on Pell grants and scholarships and earned a BS. My husband did the same. We buy a house get flood insurance and thought that was it. We lose almost everything over night and are told by flood insurance we are over insured. We get a SBA loan and start over. Were we at fault? What did we do wrong? Please check out femainfo.us for other information.
I noticed that the nay sayers stopped talking when we started posting. What’s the matter boys Truth hurt?
Insurers-Agents-Brokers can sell homeowners replacement (Reconstruction) cost valued policies, while at the same time, insurance adjusters are incorrectly estimating (hurricane, flood, hail, fire, earthquake, windstorm, etc.) claims with NEW construction cost values…a common difference of 35-50% of the base dollar value of the loss.
http://www.femainfo.us/Links/041405sk.pdf
http://www.femainfo.us
Other claim settlement values being left out (undisclosed), that have been pre-paid for in a homeowners monthly premium payment, is primary-general-sub contractor overhead and profit values.
Whether a contractor is used of not, a claims loss value has common 20-49% overhead and profit value. Sub-total line values on an insurer’s-adjuster’s “estimate” should openly show, or be able to prove, those inherent claim loss values. Many times they do not, to the ignorance-detriment of the policyholder.
http://www.tdi.state.tx.us/commish/bulletins/b-0045-8.html
Please, report underpayment schemes to local and extended law enforcement and governmental agencies.
We also track suspected insurer fraud, so feel free to contact us at–therdp5@yahoo.com or rogerpoe@acnet.net
Roger Poe
We have been slapped around plenty down here in Florida. I do feel your pain.
I am with you guys when it comes to the big Insurance companies…it seems logical that those companies would be less giving…but the little 3rd party WYO guys get paid by percentage of claims/commissions and would rather the claim be large than small (I am 99.9% sure of that).
I have a relative that is in the \”Catastrophic\” claims business and they spend a rediculous amount of time away from their families, friends, and natural surroundings trying to help folks with the overflow of claims.
I could see being mad at the policy writers and enforcers but not the helping hands.
I am a GC in South Florida and a Public Adjuster. I am having a serious issue with Insurance carriers and FIGA starting the practce of NOT paying contractors overhead and profit to my clients even with a signed contract on roofing, fencing, and carpet. So if I follow that line of thinking, the isurance industry not only insists a contractor be hired to do the repairs, but he is supposed to schedule, oversee, be responsible for all the work and at the end of the year, his General liability insurance carrier can audit him and charge him for the roof he made no money on. In short, do the work and kick in some money of your own for our insured. FIGA said they have a lawyers opinion that states that they do not have to pay O&P on these items no matter what. But also refuse to produce the document that says so. So I ask anyone and everyone who can read this or is experiencing the same insane arguement, to research any and all rules, guidelines or directives to disallow or disprove this fictitious rule they are using. As a General contractor, I still expect to be paid the overhead and profit for ALL repairs I am responsible for. The insured should therefore be entitled to be reimbursed for them once incurred. End of Story. Any assistance would be greatly appreciated to stop this unfair trade practice.
Tad Balzar –
EM me at rogerpoegc@gmail.com for information regarding criminal conduct by insurers and adjusters against construction business contractors.
Promoting fraudulent insurance loss claim value schemes, public deception, anti-competitive behavior, economic restriction of trade and theft of premiums by omission of true base loss values is a serious matter for smug and corrupt “adjusters”, who enjoy life outside of prison, to be toying with.
Good adjusters will not play with your reputation and living.
Bad adjusters, supported by corrupt management, hurt children, parents, neighbors, and themselves, in the name of money, greed, and ego.
Too bad for them…
My late wife & I live on a little island called Hoopers Island in the state of Maryland.
Hurricane Isabel came through and devastated our area.
Our house was left standing and we thought fixable.
A few months after the hurricane and $15,000.00 later the state inspector came through and told us we had to tear it down and build new.
He said the house could not be elevated without tearing it apart to meet new state guidelines.
To make a long story short the reason I am contacting you is to see if you might be able to steer me in the right direction.
My wife and I were moved out of our old house by FEMA and told we had to live in a trailer they brought down to us.
They were worried about the mold in our old house.
We lived in the trailer until November 2005 when we moved into our new home, (about 2 years).
My wife had become ill living in the FEMA trailer and woke up one morning in 2005 slurring her words and not being able to think straight.
I thought she had suffered a stroke.
I took her to the emergency room where they sent her to Georgetown University.
The prognosis was she had developed 7 brain tumors & lung cancer.
She was a non smoker.
We had told FEMA several times that the chemical smells in the trailer would give us headaches, burning eyes, & chest pains, but they told us it was because it was new & the smell would go away. They even sent down inspectors several times to test the air & told us everything was fine.
I met my wife when I was 15 years old and we married when I turned 17.
We spent our entire adult life together.
My wife died June 21, 2006 at the age of 54.
I have spent the last 2 1/2 years trying to control the grief that comes when your whole life is torn out from under you.
I have reached a point where my grief is turning to rage and I would like to see someone pay for killing my wife, but am being told I only had 2 years to file a form 95 claim after she died. Now I have some of the same symptoms my wife showed before she became very ill. I’m afraid this is going to kill us both before justice is done.
This can’t be right. No one ever told me I had only 2 years to file anything after she passed.
I did not think there was a statute of limitations on murder and that’s all this is, legal murder.
With FEMA knowing the formaldehyde was so deadly, why did they just sit by and let people die? I have been in the US Army most of my adult life & am very proud of it. I have seen 3rd world countries that would not treat their people like FEMA treated us.
Can you guide me in the right direction or maybe to someone I can talk with about this?
The government knew the formaldehyde was killing people and did nothing about it.
There’s no way they should be able to get off scot free.