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Fair,75°
Saturday, April 18, 2015

Still no homecoming
(Page 4 of 4)
Courtesy Anita Daly
Resident Anita Daly, outside her New Hampshire Street home, said that she has yet to return because of federal funding hurdles.

For those who have been using FEMA’s rental assistance, time may be running out. Suzanne Katz-Fox was nine months pregnant when Sandy hit. Her family moved to Suffolk County for four months before settling into a rental on East Park Avenue. To receive assistance, FEMA required them to sign a one-year lease. But FEMA recently denied them continued rental assistance, and transferred them to HUD for housing assistance. But HUD denied their claim, saying they did not qualify for their aid because they did not meet the low-income requirements.

“They say if you can pay a mortgage, you can pay rent as well,” Katz-Fox said.

Her family’s Pennsylvania Avenue home is unlivable, and she said that they are unable to start rebuilding without more funding, for which they are depending on NY Rising. But for the time being, they are simply trying to figure out where they will live next.

“The sad thing is it’s nine months down the road, and we’re no closer to even beginning [to rebuild] than on day one,” Katz-Fox said. “The state seems like it’s not in much of a rush to help us.

Comments

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Sandeep

I applied to NYS Rising on day one and received the letter recently that I am eligible and a case worker will be assigned. I also was told to get together my 2012 tax statements. I also called up and found out what the catches are.

I will list them here: Straight from NYS Rising

1) Priority is given to lower income folks. Meaning under 50K. At least 50% of low income folks must get money. Also income and needs assessment plays a role in how soon you get assigned a case worker.

2) There will be an approved list of contractors to select from. You don't have to use this approved list. But remembered, approved contractors are approved and they submit bills directly to NYS you dont have to lay out a dime.

3) Work has to be "green", hud/NYS has some guidelines.

4) For work already done the only pay up to a certain amount. Your top of the line grantite countertops wont count. also needs to be licensed contractor receipts.

5) Need is based on 2012 income tax return AGI before itemized deductions. You earned 250K in 2012 and have zero in bank and neighbor earned 25k in 2012 and has 250K in bank. Guess what neighbor with 250K in bank is poor and you are rich. Only counting 2012 income is odd, it does not count assets or debts.

6) The residency requirements and how they will treat condos are unknown at this moment. Currently they have not decided if folks in condos or coops in lower units are even qualified.

7) They clearly stated if you applied for a SBA loan and did not take it you are ok. But what about folks who applied for SBA loan and took it?

Most folks have messy applications. I have a nice clean one, submitted day one Even cleaner is fact I had no flood insurance and did not take an SBA loan. Also I am only requesting work be completed on my house. Yet I cant get an answer out of them.

NYS Sandy rising looks like for most folk you wont get a nickle. Looks like a rapid repair deal where they will fix qualified repairs for free.

The Green thing and licensed contractors for work performed bothers, lots of work were emergency repairs, with no permits filed with what was available first three months after Sandy. Cuomo thinks in November 2012 I can find this stuff. Heck I was in Fema Flophouse, inlaws couch or cold wet house by then. My record keeping was near non existant.

Thursday, August 1, 2013 | Report this
Sandeep

Also wondering about the rumour of a five year residency requirement. Do I have to live in it five years, or just have to own it.

If the pay back is prorated and interest free still a great deal. Lets see 50K worth of work, I sell after three years I owe 20K still not bad.

Also Anita in this newspaper a few months ago said it would cost 200K to do the repairs and now she has it at 360K.

Also wondering if she made the mistake of using and adjuster and letting town inspectors into house. My friend use an adjustor who got her more, but by getting her more she threw her over 50%. He charged 10%, the Irony is he got her only 7% more, Originally the offered her 47% he got it to 54%, she only got paid 44% after fee and now she has to pay 60K to raise house. She is in tears every day saying I should have just never signed took 47% even though I had 54% and just shut up. Damm adjusters for anyone who is ICC between 50-55% are to blame for a lot of problems.

Thursday, August 1, 2013 | Report this
Cozeinlb

There still seems to be a question about your income and eligibility. We were told by caseworker income does not play a role in determining eligibility and that it is only needed for reporting to HUD. The five year lien is no rumor. Now I don't know if it requires you to live there or just own it for the five years. It is supposed to be removed five years after you receive the last of any grant money. As far as what they will do, the caseworker said basically they have a cost figure already in place that they will pay up to for certain items/services. They are not going to build your mansion in the sky. They will help get your home "habitable" nothing more. Any luxury items even if there before storm are your responsibility and you will have to put money in escrow for all luxury items before work begins if they are paying bill. If they are reimbursing all the work needs to be finished before they will even look at application which will be placed on hold and probably to back of line as well. And again they have a figure of what they will pay for certain things and that is the max you can get for reimbursement or for having them assign and pay contractor. If something costs you more then they say it should it’s on your dime if they are reimbursing.

Friday, August 2, 2013 | Report this
Sandeep

Cozeinlb good stuff.

But this is part of reason I stopped work. How can you do work when you dont know green requirements or what they will pay up to.

I never re-sheet rocked my attached garage, both front and rear screen door is rusty from salt and my living room floor is warped from one foot of water. Also I never changed electric box. I also have a small extension that is fully enclosed underneath that has vents that flooded with water, it has installation in crawl space and I am sure it is a moldy mess. In my NYS Sandy intake form meeting I was told to not touch anything. No more repairs, pencil down. Leave it till inspector comes. I did do 50K worth of work to make house perfectly livable. But a rusty door and a warped floor and garage walls I can live with for a few more months.

I can last at most a few more months. But I am afraid it will be like Step Program or Rapid Repairs in NYC where it is much easier to get them to do unfinished work then to get them to pay for work performed

After you spoke to caseworker did they say when someone is coming to your house to assess damage and when list of contractors are coming out?

Friday, August 2, 2013 | Report this
Sandeep

Also folks only have to 9-15 to file their casualty loss from Sandy if they took a tax extension. If they have no idea what NYS will refund it is hard to file taxes. You just guess I guess. But really 11 months after storm you still cant give a ball park figure

Friday, August 2, 2013 | Report this
Jiggy814

Where is this girl going? She has to be like everyone else to proove she has nothing as stated we & im sure helped everyone & im sure you have been victim, she is telling you she needs help YOU can make someone listen to her she wants her liittel house back all this girl wants is a dry house called Anita Daly’s

Tuesday, August 6, 2013 | Report this
Jiggy814

Where is this girl going? She has to be like everyone else to proove she has nothing as stated we & im sure helped everyone & im sure you have been victim, she is telling you she needs help YOU can make someone listen to her she wants her liittel house back all this girl wants is a dry house called Anita Daly’s

Tuesday, August 6, 2013 | Report this
Jiggy814

huh first off sista

id never take your help or want it

i give it!!!!!!!!!!!!!

Tuesday, August 6, 2013 | Report this
Jiggy814

i want to give to actually needs not the tard neighbor who calls i was saying i i wanted to help sandy vict

Tuesday, August 6, 2013 | Report this
Jiggy814

dick

Tuesday, August 6, 2013 | Report this
Sandeep

Anita Daily IS not a sandy victim. She has flood insurance, she got paid out the market value damage for her home. Her misunderstanding is Flood Insurance is kinda like Car insurance.

I lost my car in Sandy, I got paid full market value by my insurance company for the car. I went out and bought a new car, guess what I had to pay 20K out of pocket.

She wants to get full market value for an old small bungalow and replace it with a new 2013 flood proof house with nothing out of pocket. Not even fronting the money.

She is extremely lucky, she got a check for $160,000 while many of her neighbors with same damage got $31,900. She got five times what many of her neighbors received.

No one is asking her to rebuild. She got a huge tax free check fro 160K. Flood houses as is cash condition are going for 200K. The most a long beach bungalow was worth pre-sandy was 360K. BOOM she was made whole

Now if she thinks her NFIP policy should buy her a new home just as folks with pre-existing foundation issues deserve a brand new home then everyone should get it even folks without flood insurance. Because what she is looking for you need to buy excess flood from Lloyds of London to cover.

Also if she wants to rebuild go ahead, apply then to NYS rising to get repaid and if not take a casualty loss and get back some on her taxes.

I saw her house. I drive by it regularly. She had around 1/2 foot less water than my house. And I have a bigger house. I redid my house for 50K. Got 32K FEMA and moved on. Took two month off work and worked like a dog from day one. I finished the morning of the Superbowl.

The main reason folks want to raise houses is to save on flood insurance down the road. Now is the time to hit up their flood insurance to get it paid so I know why she is doing it. Funny folks without flood on her very block and NO money are all home.

Mormans or Samiritans purse did rips outs, families help them spray for mold and remediate Oil/Gas companies were giving interest free loans to existing customers and they spent the 31,900 FEMA check on base level home depot kitchen and bath and hired cheap off the books workers or volunteers along with themselves to put it back in.

They also go zero transistional housing assistance these folks. The 31,900 is the max, so since they got paid the max they got one nickle to stay in a hotel like this lady.

Guess what they are all back in their houses for months now and all now have flood insurance.

Amazing on 160K she cant do what a 95 year old widow got done on 31,900. In retrospect they should just cancel flood all together.

Tuesday, August 6, 2013 | Report this
jameseisenberg

I was told when I registered in April for NY Rising that income tax information was only needed if you checked the low income box and that awards were not based upon income. Even if the govt. desires to give half the money to low income home owners, there likely is to be a problem in doing so. Income levels include students working during the summer, people for whatever reason who take part time jobs, people who have lost their jobs, etc. Homeowners are likely to be older, most probably married with dual incomes, etc. By virtue of the fact that they were able to buy a home (forgetting about the short period of time when there were sub-prime loans) places them in all probability above the low income level. And of course as someone else pointed out, you could have a "high" income in 2012 and no income at all in 2013.

Wednesday, August 7, 2013 | Report this
Sandeep

james, I agree income should not play a role. Touro law which is doing a sandy legal thing, I was working with them on something else and he added in they dont like giving funds to folks with high incomes who can afford flood insurance who just did not buy it.

I am like what difference does it make what they like. It said not income qualified. He said yep, but what they like is important. So I call up NYS Rising and the lady told me yep, high income folks with no flood insurance since we use our judgement who gets paid first go to back of the line and will be called last and if by then we run out of money or have already used up the 50% we can only use for higher income people you are out of luck.

I then said so if you made a good income in 2012, lost your job after Sandy, have no money in bank and no income in 2013 you are screwed. But if you were a hedge fund trader laid off in late 2011 with five million in bank who did not find work again till 2013 you are good. Yep soley based on a point in time 2012 income tax.

Even more it is adjusted gross income. So if you make 400K and have 300k in itemized deductions you still made 400K.

NYS rising told me at a meeting. To my face it was not income based and told me go on vacation, buy new cars, live your life. But dont spend money on the remaining home repairs till next Spring. A case worker will contact me after labor day and a few months later a list of contractors will come out.

I see so many folks selling houses as is near me to flippers who are flipping them and reselling them to new folks. I know most were primary residences. All those folks wont get a nickle from this fund. The old folks cant even use the casualty loss.

It is a shame so many are distrustful of NYS rising they dont even apply or are just selling their houses of 50 years at a big loss as they cant wait or think they will not get any funds.

The lien on house is insult to injury for work performed. FEMA, RedCross, NYHRRF and Flood isurance when they get a grant dont put a lien on their house why should this get one. I mean an 82 year old women barely hanging on gets back in her house as 84 from sandy and then if she sells at 88 she is punished. BS>

Thursday, August 8, 2013 | Report this
jameseisenberg

What you report is very aggravating, especially since not being "low" income can mean that you had a dollar income above the limit as opposed to a dollar below. And, as you say you could have had income in 2012 and none in 2013. As to running out of money, the money appropriated was just an initial appropriation with more available they said if necessary. So I don't know how they can run out of money. I hope that the person you spoke with was wrong. If not, I will have to sell my home, bought by my grandparents when it was originally constructed in the 1920s. And although I have lived in Long Beach all my life, I will have to say goodbye. It was usually people who lived in Long Beach for decades who did not have flood insurance because their homes had never flooded despite many hurricances.

Thursday, August 8, 2013 | Report this
Sandeep

James - did you buy flood now on that house. Rates are going up October 1st. The percentage increases will be 10% to 20% so very important to start at a low price. That way you have breathing room. Plus a second storm comes before it is fixed who knows maybe they will pay out.

Also DO NOT let the town declare you house ICC. If you have flood declaring yourself ICC has some benefits like and extra 30K to raise.

If you did not have flood in Sandy. Fix it as is and dont let it be declared ICC. You are pre FIRM and technically have no claims. FEMA payout does not count as a flood claim.

NYS rising I highly highly doubt will do buy outs or raise your house. Sounds like a version of step program where they will come by and fix your house inexpensively back to how it was.

We may never have another Sandy and if so no point raising. If we do have another Sandy you have flood now so you will get the cash.

Most importantly, get an active flood policy now if you don't have one. There is a 30 day waiting period and since mid sept to mid oct is peak months now is good and beats rate hike time.

Maybe a flipper near me bought houses without flood with Flood, then did quick "in-kind" repairs, The ones no one in ToH is asking for any type of permit for, they relisted them and sold them already to new owners who beat the 10-1-2013 flood hike. As long as they were not declared ICC, never had a flood claim, and are a new primary residence prior to 10-1-2013 the new folks are set for a few years.

Plus Long Beach in particular is broke. Those raised houses must likely will be deemed new construction and come 2015 I bet most of flood savings will be eaten up in higher property taxes.

I think NYS rising will come through with something. But I am betting at best I get a list of contractors I pick one and they come by and finish with basic materials. Which is fine as long as you can get the flood going and not declared ICC. Dont let Long Beach Building Inspectors inside your house. They are the main reason a lot of folks with out flood have issues. They had no business going around tagging houses without flood insurance. Oceanside which is non-incorporated, Lido Beach, non incorporated parts of Island Park and East Rockaway looked other way when folks without flood had volunteers, family, off the books folks putting their house back together on a low 31,900 budget. Long Beach inspectors did everything in their power to cause problems.

Friday, August 9, 2013 | Report this
Cozeinlb

SANDEEP a few things. First after not looking at this for a week I am guessing some comments were deleted as there must have been quite a dialog going on.

As far as buying insurance now, that is not as affordable as you think. You can get it, but unless you already owned and had insurance without lapse since Biggert-Waters passed in July 2012, you will transition to paying the full rate starting in a few months with your rate going up 25% per year until the full rate is reached. It was supposed to begin in October but I believe it was pushed back till January. As to what the full rate is going to be that depends on many factors mainly elevation. It is a sliding scale based on how high the 1st floor is above or below the BFE for your address and how much insurance you get. It comes in multiples of $50K. A friend is in contract on a house now and got a quote of almost $7000 a year, ouch!, for a house a few feet below BFE

As far as the ICC goes that is part of your flood insurance policy and not a determination, the term is “substantially damaged” meaning the damage to the home is more than 50% of the value of the building(not including land). If you hit that benchmark you have to rebuild to the current code including elevating your home. The city of LB is very good about people challenging their determinations as they know it was just a drive by inspection. They will take an estimate from a licensed contractor showing the cost to repair is less or more than their inspection and will issue a new determination if you ask and provide them proper documentation. Now I understand that many people may not want this “substantial damage” determination but that determination is what opens up many of these programs or puts you to the head of the line if your house was “substantially damaged” as does the fact that you had flood insurance.

As far as NY Rising goes there are several parts to it as well there is the portion that is supposed to help with the “repair” and the program that is supposed to make the home more resilient to future storms, namely elevating your house. There is also the FEMA Hazard Mitigation Grant Program that can also help with the cost to elevate. The funds are granted to do this now as they basically eliminate the possibility of any future flood insurance claims by the homeowner. I am not sure as it wasn’t mentioned by NY Rising but I know with FEMA-HMGP they require if you receive a grant that the property be insured with flood insurance forever and put that on the deed so they likely will never have to pay out again but insurance premiums will be getting collected forever. Pretty clever on their part. It is all done with a cost to benefit analysis.

Regarding the 50% to Low Income that is for the entire program not just helping people repair their homes. There are specific programs that deal with rental properties , not for profits and others that assist with Low Income housing.

Just some other things to consider regarding elevating your home if you don’t and you are below the BFE whoever buys it will now have to pay that full rate for insurance that is predicted to be around $9700 for people that are at 4 feet below BFE in an A zone and up to $30,000 if you are in a V zone (Velocity zone where braking waves would be expected). With numbers like that you will either have to sell your home at a low enough price to offset the future costs of flood insurance or so that the new owner can elevate the house. Another thing to consider is that Bigger-Waters also changed the “substantial Improvement” standard for houses that in communities that take part in the flood insurance program (in order to get flood insurance, your town or city needs to adopt certain regulations as a condition of flood insurance being available to residents) IT used to be a 50%plus renovation would require compliance but that number was lowered by Bigger-Waters to 30%plus. So on a house that has a value of say $100K (just the house not property) a renovation of only $31K would make the new code including having to lift the house to above the BFE kick in. Think about it. Any renovations for you or future homeowners over that 30% number would trigger the need to rebuild to the higher elevation. IT wouldn’t take more than a basic renovation or addition to trigger that.

If you wish you can read through the actual plan agreed to by HUD and NY state here: http://www.nyshcr.org/Press/ActionPlan/

Friday, August 9, 2013 | Report this
Sandeep

Good Info.

FEMA after the $31,900 pay out states you must have flood insurance. But you dont have to, they dont check. They say that to ensure it is 100% clear you are never getting a pay out again. Which you wont.

My biggest suprise is how few people who got flood insurance after sandy or new homeowners are unaware if you did not have the insurance July 2012 or earlier you are not grandfathered at the lower rates. I see folks near me buying houses regularly since August 2012 and all will get hit with higher rates.

I think the issue is once it breaks $3,600 a year folks will drop flood. If you mortgage is under 200k or you dont have a mortgage it is not worth it anymore. As you march from $300 a month to $2,000 a month more and more folks will drop out.

Anyhow who did not have a fema payout in Sandy has the safety net of $31,900 and even folks not eligible for a FEMA grant are still eligible for transitional housing or charity assistance.

If flood rates get really high you will see owners offering mortgages. For instance I could sell home with 20% down with a 4% mortgage and I do mortgage. It is away around flood insurance.

Tons and tons of homes in Katrina were not raised and just fixed. FEMA has an issue folks took the insurance pay out and just did cheap fixes or folks who got fema grant only did cheap fixes.

NYS rising I highly doubt will make folks get flood insurance. SBA did that which is why so many folks did not take SBA loan as they cant afford a loan and flood insurance.

Honestly, I will just self insure like many other people. I rather put 1k in my brokerage account each month than pay 1k in flood. Unless I get a big flood in first five years I will be ahead rolling dice again even though I lost this time.

Sunday, August 11, 2013 | Report this
Cozeinlb

Sandeep, very interesting comment about the private mortgages. I have had that same discussion with many of my neighbors as well. It could turn into a cottage industry in beach area across US as realtors work to fill this niche form of mortgage. As far as FEMA grant of $31,900 and flood insurnace if you don't get it FEMA will tell you that you will not get any future assitance from FEMA and that rides with the house regardless of ownership on deed as a "deed restriction" that must be filed as a condition of assistance with many FEMA programs. I have coworker who got flooded with Irene last year with no insurance. Got less than $10K to replace boiler Etc. Didn't get flood and got creamed with Sandy. FEMA said sorry not helping this time and gave nothing she appealed and appeal was denied as well. Also the $9500 insurance pricetag is from FEMA as it relates to a $250K policy of a home at 4 Ft. below BFE. It could be less depending on elevation and amount of insurance. If no mortageg you could get a small policy of only $50K or so that at maybe $1-2K a year over the course of 25-50 years may work in your favor as the possibilty of a flood before teh break even point is a real possibility statiscally speaking.

Monday, August 12, 2013 | Report this
privatizeschools

SICK of HIGH TAXES.. in LONG BEACH, OCEANSIDE.. WHY DON'T THEY PRIVATIZE THE SCHOOLS..

WHY ALWAYS PAY TAXES.. join 5 bourough and reduce taxes..

FIRE POLITITIANS WHO DON'T DELIVER... WE WANT LOWER TAXES..

AVOID PAYING FOR SCHOOL TAXES.. BRING PROPERTY TAXES DOWN FOR OCEANSIDE AND LONG ISLAND.

thankyou

Monday, December 9, 2013 | Report this
privatizeschools

FIGHT to privatize public schools.. and avoid taxes.. for schools

Monday, December 9, 2013 | Report this
privatizeschools

bring taxes DOWN.... SICK OF HIGH PROPERTY TAXES... HIGHEST ON PLANET FOR LONG ISLAND NOT FAIR

Monday, December 9, 2013 | Report this
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