I've been on disability most of my life. I've been helped from money from an apartment

[Maraya1969]

complex my family owns, (well my mother owns now) in New Jersey. It's only 10 units but it has provided her income and has helped me too.

I just found out it was completely flooded and my mother did not have flood insurance on it.

I am so upset/mad/angry/pissed/you name it.

Because of my illness my mother has always treated me as if I were not "as knowing" as she. And even though years ago I lived there and took care of it, (the apartment building) before I moved to Florida she insists now that she is the only one that can do anything for it. I cannot say anything to her now as I know she feels really bad.

I just called my brother who lived in PA and asked him to help and told him, (which I believe to be true as my mother is now 80) that she is not as "with it" as she used to be or thinks she is, and would he please help her. I told him the situation of the insurance.

Does anyone know if FEMA helps in a situation such as this? I guess it couldn't hurt to ask them.

[Gin]

1. If it was me....i would call every agency to see what is available.....good luck.

[hedgehog]

2. Your question raises another - how many of the buildings that

were flooded were eligible for flood insurance previous to the storm? i.e - did the authorities responsible for designating flood zones anticipate this situation?

[Maraya1969]

3. She told me that they were in the flood district. There are 2 buildings with 5 unites

in each building and each are right next to one another. I don't know why she would know that they were in a flood zone and not get flood insurance. This is what I mean by her not being "right" anymore. It does not make any sense.

[hedgehog]

7. People can get awfully cheap over insurance. My brother-in-laws had a

cement block garage collapse onto some antique autos they were restoring. The garage was excluded from their homeowners, and the cars left off their antique auto insurance. We're talking big bucks here, of course, maybe another $25 or $35 a year to buy coverage!

[LaydeeBug]

4. Yes. Your president stood with you when he declared it a disaster area ahead of time...

freeing up crucial dollars that are there in the event you have no insurance, or your insurance doesn't cover it. I am not certain whether the complex is in a flood zone (my house isn't) so that might be your hurdle

We may need a roof repair or replaced...there is water damage (from the wind and the rain) in our primary residence. We are thanking God. It could have been much, much worse. Hugs to you, and best of luck with your investment.

Here is a link that should help:

https://docs.google.com/viewer?a=v&q=cache:ie23Rxml9aYJ:www.fema.gov/pdf/assistance/process/help_after_disaster_english.pdf+fema+money+roof+disaster+area&hl=en&gl=us&pid=bl&srcid=ADGEESgHkkmh4qw1eUgiCtugFGu9gYF5ZsGEgTFdPB6_5itY8Hv0kEX2-aM1EB0aMqQj4wYcsMY-G66toTKgyhdZLCpaOpU4WXTNhOTMps0uFnReNFohsIHPEICd5geAS4SzAfqO8iMq&sig=AHIEtbR_B2-8b90k1LtbJP-Q8pHGkAhI_w

[Maraya1969]

5. Oh thank you so much. I knew there was help available somewhere.

[Warpy]

6. FEMA issues low interest loans for rebuilding and repairing

but they can take some time to get and with regular interest rates at rock bottom, it's not as much of a deal as it used to be.

Things are just going to be very tight unless/until she does the repairs. I'm glad you have a brother whose help you can enlist, it sounds like your mother needs it.

[Maraya1969]

8. This is a great big mess. She even had a buyer for them because she is selling them.

Now she probably couldn't give them away. I feel really bad too because she and my step dad are supposed to be here in Florida now.

I'm sure she is feeling really bad about not getting the insurance and I'm not going to throw it up in her face but I am kind of furious about it. She got notice that they were in a flood zone too. And the apartment are 4 blocks away from the water!

Oh well, things happen and I am just going to be supportive. I sent her the FEMA stuff. Still have only been able to get on the phone with her once since the storm.

I just called her house and they still don't have the house phone working so I assume they still don't have electricity. And they both get really cold. I hope they can get a hotel somewhere or stay with friends. She's not answering her cell right now.

[Warpy]

9. The good news is that a lot 4 blocks from a beach

will always be worth something eventually as long as she doesn't let it go for taxes.

[Maraya1969]

10. Yea and if she can sell it to the right people who want to build big they can see lower

Manhattan from just a couple stories up. Maybe I should take to her about that. Instead of cleaning everything up and fixing up every apartment.

Oh who knows. I guess we should wait for a sign. A big one with neon lights.