After the Flood

COPING WITH A NEW REALITY AFTER THE FLOOD

Structural damage to the Lamoureux house.

The Lamoureux house after the Memorial Day flood of 2015

It is OK to be overwhelmed, and it is OK to ask for help

Today, I want to offer my condolences and support to any of you that have suffered the loss or devastation of your property in the recent floods.  I truly know what you are going through, and what you will experience ongoing. 
Know that is okay to be overwhelmed, lost and paralyzed by the enormity of this disaster.  Accept all the help offered to you; apply for all the assistance made available to you.  Aside from the countless charities ready to help, here are other resources that can also help.
FEMA offers food, clothing, vouchers, rent, housing and more:
https://www.fema.gov/media-library/assets/documents/31850
SBA offers low interest construction loans and mortgages:
https://www.sba.gov/content/disaster-loan-program
Do not accept flood insurance that is unacceptable to you.  The State employs public adjusters that advocate on your behalf:
http://www.mytapia.org/
The federal declaration also enables you to file for a casualty loss refund on your income tax:
https://www.irs.gov/newsroom/top-10-tips-for-deducting-losses-from-a-disaster
Take extensive photos of your belongings if you can to help with the process.
Don’t rush your rebuild and be sure you have a certificate from the crew that detoxes your house. Your lender may need that reassurance.
Hire an architect to assist you in navigating the permit / reconstruction process and assist in avoiding disreputable contractors.
The most difficult thing to do will be to remain persistent, patient and positive.  I can’t tell you that I always followed this advice, but there is no real alternative.  Pam and I are one month from moving into our home.  While traumatic, the experience has brought our family even closer.  Cherish your family, friends and coworkers.  Be humble; take advantage of their offers to help.  The challenge is big, but you can conquer it; DON’T BE TOO PROUD TO ASK FOR HELP!