I am a single mom raising 3 boys who lost their father 4 years ago: my oldest (23) has Tourettes' Syndrome, my middle son (18) is finishing his first year of college at SUNY Binghamton and my youngest (16) has Asperger's. We have been displaced since the storm and are trying to stay strong & be positive, but it isn't easy. All we want to do at this point is come home!
Hurricane Sandy has devastated our family. Our house was hit hard on October 29th ..... we took on over 4 feet of water and lost the entire main floor of our home -- livingroom, kitchen and dining area, primary bathroom, MY bedroom and home office, laundry room and front entry are GONE. Our heating, electric and plumbing all need to be replaced. It took until January to find volunteers to help us do the tear out of our 1934 dormered bungalo. I bought this house (my first!) 7 years ago because it was completely original -- from the plaster walls and tongue-in-groove wood panels (NOT paneling!) in my living room to the original hardwood floors (even the upstairs toilet was original to the house and stamped April 12, 1941 inside the tank!) -- I loved every inch of my beautiful little house.
Insurance money is not enough to cover the cost of rebuilding and what we DID get is still being held up in red tape -- on the same day we got our insurance check we got a letter from our NEW mortgage company telling us our mortgage had been sold! Nothing has been releaesed yet and we are at a complete standstill. What we are currently left with are just beams, studs and some temporary wiring that gives us one bare bulb on the first floor and a few working outlets on both the first floor & upstairs.
From November to March I had more than half a dozen contractors come to see the house never to return or even send me an estimate and the others just wanted to know how much I was getting from insurance before they would even come to see the house. In mid April I finally found a contractor who is helping us move forward but it is still a painfully slow process to get started -- especially with no money.
The front of our house -- our portico and brick entry -- is not covered by ANY insurance at all: homeowners won't pay because it was flood damage and flood doesn't cover it because they say it isn't an actual part of the home structure.
Our contractor has told us it will cost at least $6500 to make the necessary repairs. Safety is my biggest concern -- I can't leave things the way they are and don't have anything left to cover these costs without help