Sunday, September 28, 2014

A Cautionary Tale

If you are someone who believes that once you pay your insurance premium you're covered, you may want to reconsider that. On Friday, West Hartford police arrested the former president of Wright Insurance Agency in Connecticut for taking premium payments and issuing forged insurance documents.

The story appeared online on FOXCT.

Always follow-up to make sure you have a policy if one doesn't come directly from the company. If in doubt about your agent, call your state insurance office to make sure they are licensed in your state.

Additional helpful information can be found at the website of the National Insurance Crime Bureau.



Monday, September 15, 2014

Build It Back Causes Sleepless Nights For My Wife

N.Y. State Sen. Andrew Lanza
(Photo: Mark Ruquet)
By Mark E. Ruquet

FEMA made my wife cry and now Build It Back is causing her to lose sleep. But there is some hope that the state will do what the city has failed to do, which is to make her and other homeowners whole again. Last Wednesday, during the Sept. 10, Midland Beach Civic Association meeting, my wife expressed her anger and frustration with the program to city officials present. She told them that their efforts to help her are failing miserably, and if completed as planned, will leave her with half the home she has now.

According to an architectural engineer from Build It Back who took measurements of our home early last week to elevate the house above the one in one hundred-year flood line, the program will not replace the space lost when they fill-in the finished basement for the elevation. Why does this upset her; because our home is a high-ranch and we live in our basement like many others in the Northeast. It is not a crawlspace for storage. It is a living area that when lost, will force members of the family to be displaced because the house is otherwise too small for everyone to live in. When she purchased the house over 30 years ago, she did so because of the basement, which she always used as a kitchen, dining room or for bedrooms over the years.

She explained that not only does the plan call for taking the space away, but what we would be left with is a home a mere two feet higher than it is now. The re-paired brick facing will be gone leaving a home sitting on pillars and open space all around. She accurately describes what we would be left with is a bungalow on concrete stilts and there is no way to argue that this eyesore does not diminish the value of the home and our quality of life.

In a broader sense, this is endemic of a system that is placing little value on the comfort of home or is striving to make people whole again. It’s nothing but band aid treatment. Two years of neglect and incompetence has been frustrating enough, but now the insult goes further when the aid we are to receive addresses part of the need and the solution diminishes the quality of life. From the comments from people around us at the meeting, we know we are not alone facing this insult. This same scenario has greeted our neighbors. Others in our community will soon find that what is supposed to be a hand of relief to aid Sandy victims is nothing more than another slap in the face.

At least one elected representative at Wednesday’s meeting heard us and agreed that this situation is unreasonable. State Senator Andrew Lanza heard my wife and said the state should try to step in and help. He made no promises, other than to see what money the state may have to help and to speak to the governor on our behalf. But he sees this for what it is — a wholly unacceptable situation that is making my wife a victim twice, once from Sandy and now from city official incompetence and intransigence. My wife hopes Mr. Lanza will keep his word and get us, and others, the help we need. But until she sees results she remains skeptical.

Her skepticism is not unfounded. A three page spread in the Sept. 5 edition of the New York Times laid out how broken the city's Build It Back program is (Titled: Storm Rebuilding Program Mired by Its Design). We, the victims of Sandy, in Staten Island and Brooklyn, need to make a collective effort at letting our elected officials know our displeasure with the lack of progress and how much harm their solutions are doing.

We have to ask our representatives to explain what has happened with the more than $61 billion in aid Congress approved for Sandy victims back in January of 2013. The money was to be split between victims in New York State, New York City, New Jersey and Connecticut. I don’t understand the disbursement schedule, but a good chunk of that cash had to go to New York City. A four-way split would be over $30 billion between New York State and the city. The governor’s office has said that 10,000 homes were substantially damage from the storm throughout the state. For the sake of argument, take $5 billion out for administrative costs, leaving $25 billion — if my math is right — that means $2.5 million per homeowner. Folks just need a fraction of that. So where’s the money? Where’s the help? And why is the city of New York being such a Scrooge and further ruining people’s lives?