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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.

From: Still no homecoming

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