Posts Tagged ‘insurance’

Damage From The Freeze – Repair Requests Starting To Come In.

March 31, 2021

The record-setting freeze that hit Texas in mid-February 2021 caused a lot of damage over multiple fronts.

In homes, a lot of this was due to water pipes that froze and burst, flooding floors or raining water down from walls and ceilings.

For a couple of weeks now, I’ve been getting calls for repairs to wallpaper.

Some homes “just” have water stains. But many homes have had to have drywall cut out, flooring pulled up, studs and outer wall brick exposed. Today I looked at a home where the entire first floor had been affected – all the kitchen cabinets, appliances, and backsplashes had been yanked out and trashed, all flooring gone, drywall cut out up to 18″ – nothing but studs and a raw concrete floor.

Even though the damage was on the lower 1/3 – 2/3 of the walls, to make the room look right, ALL the wallpaper has to be stripped off and replaced.

The kicker is, I had just hung their wallpaper back in October.

Repairs are hard to do, and hard to make look “as good as new.”

Even harder is that insurance companies always have a vastly different idea of what it costs for materials and labor, compared to actual real life prices, to get these people’s homes back to being livable again.

Two Months After Hurricane Harvey Things Are Not All Right In Houston

November 8, 2017

Digital Image

Digital Image


Some of the homeowners effected by this massive storm contacted me shortly afterward, seeking help with insurance quotes, repairs, etc. But now that more weeks have passed, I am getting a second wave of calls.

Some are from people whose homes are finally getting put back together. Some are from people who are half-way through initial repairs. Many more are not yet back in their homes, or who are living (“camping out” is a more appropriate term) in what is a shell of what was once their former home (read below). And there are countless families whose homes are just now coming out of the water, or that are still not yet approachable, or that have been underwater for so long that they are unlivable – meaning, totally destroyed, not salvageable, mold-infested, insurance won’t pay to fix it, you can’t sell it because no one will buy it, you can’t fix it yourself because you don’t have time because you have to go to work and you don’t have the money because insurance won’t cover it, and your brother has been very kind to let you stay in his home for two months, but it’s wearing thin because they want their privacy back and you want to be back in your own home … but it’s unlivable.

I visited two clients today who were effected by the flood. These photos are from a homeowner who lives in a neighborhood that was “intentionally flooded” when officials made the decision to open the reservoirs, which would save many thousands of homes and families, but would knowingly flood the homes of thousands more.

The city has been through this neighborhood THREE TIMES already to pick up debris – more keeps piling up. Most of it is white… drywall, doors, tile, door and window trim,,, and much of it is brown … wooden floors, cabinets, furniture. And books, clothing, artwork, television sets, garage stuff, toys, anything the sewage-tainted water could have touched or wicked its way into.

All the homes look like ghost houses – uncovered windows, empty rooms, lawns scraped to bare earth by the mechanical claws that swooped up their soggy Sheetrock and personal belongings. All the drywall is torn out, the bottom 4′ of it. No flooring, just the cement slab. No doors, no trim, no kitchen, no cabinets, counters, appliances, no toilet. My client and her family were living holed up on the 2nd floor. All they had downstairs on the concrete floor was a folding table with plastic chairs around it, and remnants of an easy-to-fix meal – sandwiches.

All this while trying to maintain a “normal” American life – going to work every day, kids going to school, mowing the lawn, walking the dog, church, groceries, laundry – but there is no washing machine, no hot water heater ….

All while trying to coordinate contractors, selecting tile and wallpaper, find the best deal on major appliances, juggle financing ….

Here is the “new normal” for hundreds of thousands of American families along the Gulf Coast.