Yes but we need to do something now!!! We can't any longer!!!! We can't wait to see if our community makes the list and then be told two or three years down the line that we are not eligible for the grant. Another delay to get screwed....

It's even more complicated. The area I live in is now a class V area even though the few houses on pilings were barely damaged compared to the majority of homes that were built on slabs on the dirt level. It doesn't seem fair for towns not to actually look at what happened in an area. Soon most of the houses around here will be on pilings and then one wonders, will we be taken off that very high risk level which proved not to apply to hurricane prevention built houses?

But the biggest problem people are having is in this delay, delay, delay business. Out of 44 homes, not one has heard back from an insurance company and often people don't know if they should or want to take the FEMA FLOOD INSURANCE (now an SBA Loan) because they have no idea what they need.

All of these plans and committees and commissions have avoided working with real people who are spending their lives on paperwork and phone calls and getting nothing but migraines in return.

There are too many things that were put off by the State, counties and towns to now be turned into concrete rules and codes and ratings overnight. So mistakes will be made and even with learning to live with that, someone in the Governor's office needs to start from the bottom up as opposed to what is going on.

Even normal rain is making things get moldy and further deteriorating damage from the Storm. What could have been done months ago, is being ruled out by decay.

Sad.

One very disturbing thing is happening. Folks are walking away because they can't afford to pay mortgages and somewhat reduced taxes along with the many costs attached to being displaced. FEMA provides housing - but not often close to people's jobs so to hold onto that work, folks have to go out on their own and find a place to stay until they get the answers they need.

And understand that those who have had to move out in many cases lost all of their clothing and other items that they need just to function.

People who have been displaced need to be able to look at the amount of money they will be receiving from homeowner's insurance before they can make prudent decisions. Remember, existing mortgages just don't fade away so whatever the insurance shortfall is going to be combined with any new loans is how folks can properly calculate if they can afford to return. I see now there are grants for pilings that folks who left two weeks ago didn't even know about.

Believe me, most want to come back but the intense frustration coupled with watching their houses disintegrate further as the months go by, is making too many say, "It's time to move on and out and get our lives back." That hurts everyone in town because when they leave they no longer are part of the ratable base.

Just how long do FEMA LOANS and Homeowner's policy writers have to tell their CUSTOMERS what is going on? And how did FEMA flood INSURANCE turn into a loan from the SBA?

FEMA flood insurance didn't turn into an SBA loan. What does stink is that if you apply and receive Sba $, and then you receive your flood insurance $, that flood insurance $ MUST be given to Sba because it is a federally back loan. Then you have to make sure your bank releases the money to you! I can understand the banks want
To secure their interest in your home, but they need to distribute more than they do to pay the contractors. More than a bit frustrating......also, if the township doesn't let us raise our houses above the FEMA and freeboard levels for our own security, we will not be able to take advantage of the even lower rates available to us! Bend over Sandy rebuilders, we are going to take it you know where........

I havent heard anything about havibg to pay back the sba loan with the insurance money. We are approved snd they gave me my terms nothing mentioned sbout that. I spoke with a sba rep the other night at the berkeley seminar and he didnt say anything either. He gave us alot of great info too. But they are giving us s problem with the amount of contents insurance I have. I dont understsnd what the loan officer said and I am trying to get to the bottom of it. Still waiting for someone to call me. This is all so rediculous. If we are noe being forcef to raise our homes, we should get some kind of help from our town, state, and federal gov. Not have to "borrow" money n pay out of our pockets.

FEMA thanks for nothing again concerning the limited Mitigation funds.

I have started fwww.acebook.com/StopFemaNow

We need to band together and bring the fight to them. We can longer sit and wait for them!

www.facebook.com/StopFemaNow