Condemned Home bill for at risk OF houses | ||
By: KelLovesOBX | Posted By: KelLovesOBX - (Send PM) Member Since: 6/23/2018 Location: Grandy, NC Total Posts: 537 Experience: Date Posted: 6/25/2024 12:19 PM | |
"The U.S. House bill, one of whose two primary sponsors is North Carolina Republican Rep. Greg Murphy and who represents the Outer Banks, would allow homeowners to receive payouts from the National Flood Insurance Program (NFIP) to demolish or relocate condemned structures before they fall into the ocean." This is good news for at risk homes. More here: |
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RE: Condemned Home bill for at risk OF houses | ||
By: KDHBreeze | Posted By: KDHBreeze - (Send PM) Member Since: 1/19/2016 Location: Total Posts: 2500 Experience: Date Posted: 6/25/2024 12:35 PM | |
Probably not. Publicity stunt. |
RE: Condemned Home bill for at risk OF houses | ||
By: xobx | Posted By: xobx - (Send PM) Member Since: 2/23/2016 Location: Total Posts: 493 Experience: Date Posted: 6/25/2024 1:07 PM | |
Makes sense and a good starting point. Better than leaving the situation as it is. |
RE: Condemned Home bill for at risk OF houses | ||
By: Tim-OBX | Posted By: Tim-OBX - (Send PM) Member Since: 6/2/2004 Location: Kitty Hawk Total Posts: 25576 Experience: Date Posted: 6/25/2024 1:17 PM | |
"The U.S. House bill, one of whose two primary sponsors is North Carolina Republican Rep. Greg Murphy and who represents the Outer Banks, would allow homeowners to receive payouts from the National Flood Insurance Program (NFIP) to demolish or relocate condemned structures before they fall into the ocean." Those owners are probably waiting to let mother nature take them out because then they might get a little money from flood insurance (it's very little too) so with this program the owners don't have to wait and NPS doesn't have to pay to clean it up. |
RE: Condemned Home bill for at risk OF houses | ||
By: GrandpaD | Posted By: GrandpaD - (Send PM) Member Since: 7/31/2020 Location: Newport News,VA Total Posts: 333 Experience: Date Posted: 6/25/2024 9:39 PM | |
I guess this Rodanthe owner could have used the $$$. |
RE: Condemned Home bill for at risk OF houses | ||
By: Brian Wilson | Posted By: Brian Wilson - (Send PM) Member Since: 6/15/2009 Location: Toronto, Canada/Corolla, NC Total Posts: 251 Experience: Date Posted: 6/28/2024 11:06 AM | |
Isn't a better solution for some level of government to remove at risk homes and charge the cost back to to the owner rather than socializing the cost? |
RE: Condemned Home bill for at risk OF houses | ||
By: Tim-OBX | Posted By: Tim-OBX - (Send PM) Member Since: 6/2/2004 Location: Kitty Hawk Total Posts: 25576 Experience: Date Posted: 6/28/2024 11:50 AM | |
Isn't a better solution for some level of government to remove at risk homes and charge the cost back to to the owner rather than socializing the cost? The value of the house goes to about zero when it is condemned so the owner looses all interest in paying more, so they just let it fall into the ocean. Then they file for flood insurance. |
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By: oldmember | Posted By: oldmember - (Send PM) Member Since: 8/23/2023 Location: SNH Total Posts: 35 Experience: Date Posted: 6/28/2024 12:25 PM | |
"The U.S. House bill, one of whose two primary sponsors is North Carolina Republican Rep. Greg Murphy and who represents the Outer Banks, would allow homeowners to receive payouts from the National Flood Insurance Program (NFIP) to demolish or relocate condemned structures before they fall into the ocean." Prior to 1999, there was a similar blil that was called the 'Upton-Jones Act'. |
RE: Condemned Home bill for at risk OF houses | ||
By: mdabul | Posted By: mdabul - (Send PM) Member Since: 9/29/2008 Location: Total Posts: 799 Experience: Date Posted: 6/28/2024 12:47 PM | |
Payout above the current insurance level? If so, what's special about condemned oceanfront houses that allows them to get extra "insurance" money because they didn't think ahead? How about the rest of the country... lot's homes condemned this week due to flooding... why not them? |
RE: Condemned Home bill for at risk OF houses | ||
By: Tim-OBX | Posted By: Tim-OBX - (Send PM) Member Since: 6/2/2004 Location: Kitty Hawk Total Posts: 25576 Experience: Date Posted: 6/28/2024 2:02 PM | |
Payout above the current insurance level? If so, what's special about condemned oceanfront houses that allows them to get extra "insurance" money because they didn't think ahead? How about the rest of the country... lot's homes condemned this week due to flooding... why not them? You would not believe how little the owner gets if they use the flood insurance. As mentioned above, the flood policy does not use current value, they take the value and depreciate it over the years it has been there. A 30 year old house would get almost nothing. Some houses lost in 2003 in Kitty Hawk got less than $50k and some about half that. |
RE: Condemned Home bill for at risk OF houses | ||
By: Greg MD | Posted By: Greg MD - (Send PM) Member Since: 3/10/2014 Location: Swamp Total Posts: 3785 Experience: Date Posted: 6/28/2024 2:24 PM | |
Whatever the insurance amount, it would be best to forfeit it to whomever is stuck with the cleanup of the mess. |
RE: Condemned Home bill for at risk OF houses | ||
By: OceanBlue | Posted By: OceanBlue - (Send PM) Member Since: 8/21/2010 Location: Total Posts: 2372 Experience: Date Posted: 6/28/2024 2:50 PM | |
Lest we forget, IIRC, the owners cost of "clean up" is currently limited to the foot print of the property. |
RE: Condemned Home bill for at risk OF houses | ||
By: johnbt | Posted By: johnbt - (Send PM) Member Since: 9/5/2019 Location: Richmond VA Total Posts: 601 Experience: Date Posted: 6/28/2024 3:04 PM | |
"Isn't a better solution for some level of government to remove at risk homes and charge the cost back to to the owner rather than socializing the cost?" isn't the government paying to remove the house socializing the cost? How many owners can afford to pay back the government and/or will pay back the government? If the owner paid for flood insurance why not have the insurance money remove the house before it falls and washes up and down the beach? It appears to be a more direct method of preventing litter by using funds the homeowner paid for with premiums. |
RE: Condemned Home bill for at risk OF houses | ||
By: mdabul | Posted By: mdabul - (Send PM) Member Since: 9/29/2008 Location: Total Posts: 799 Experience: Date Posted: 6/28/2024 6:10 PM | |
Payout above the current insurance level? If so, what's special about condemned oceanfront houses that allows them to get extra "insurance" money because they didn't think ahead? How about the rest of the country... lot's homes condemned this week due to flooding... why not them? I get that... but anyone who buys oceanfront on the sand spit either accepted the risk... or missed an episode. Happens everywhere all the time in hundreds of other scenarios. Probably the same people who borrowed 100's K for college and want it paid for.... but I digress. |
RE: Condemned Home bill for at risk OF houses | ||
By: johnbt | Posted By: johnbt - (Send PM) Member Since: 9/5/2019 Location: Richmond VA Total Posts: 601 Experience: Date Posted: 6/29/2024 5:45 AM | |
" but I digress" Yes, it appears you have missed the point of the bill. |
RE: Condemned Home bill for at risk OF houses | ||
By: OceanBlue | Posted By: OceanBlue - (Send PM) Member Since: 8/21/2010 Location: Total Posts: 2372 Experience: Date Posted: 6/29/2024 9:03 AM | |
but anyone who buys oceanfront on the sand spit either accepted the risk... or missed an episode. True. 100% True. But many of these buyers (especially covid buyers) were clueless (NOT a defense) about living on (in, sometimes) the water...and, they were shown the property (and the BS top line rental revenue XLS) in August (summer beach) at dead low tide. So, yeah, not just an episode was missed. So, right or wrong,,,they now own a rental "machine" (in their mind) and can't get their head around the fact it's going away and the county won't nourish the beach. EDIT: my $.02 is that the introduction of the bill is a step forward and the furthering of this conversation. |
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By: jfalba | Posted By: jfalba - (Send PM) Member Since: 6/10/2019 Location: OHIO Total Posts: 1234 Experience: Date Posted: 6/29/2024 9:23 AM | |
So you can buy a million dollar plus home OF and it is worthless later and you basically lose it all? I know big city scared of covid were getting out and buying sight unseen. Like off of Zillow. I sort of wish I could afford to buy a house sight unseen, lol I did meet a nurse that told me they bought a small farm sight unseen except for photos when they moved north from the south. She was done with the southern heat and storms. |
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By: OceanBlue | Posted By: OceanBlue - (Send PM) Member Since: 8/21/2010 Location: Total Posts: 2372 Experience: Date Posted: 6/29/2024 9:32 AM | |
So you can buy a million dollar plus home OF and it is worthless later and you basically lose it all? I know big city scared of covid were getting out and buying sight unseen. Like off of Zillow. I sort of wish I could afford to buy a house sight unseen, lol I did meet a nurse that told me they bought a small farm sight unseen except for photos when they moved north from the south. She was done with the southern heat and storms. Well, yes, but same thing can happen w the "right" hurricane landfall. Save flood insurance (as further described in this thread) if you have it. Lot's of second guessing on covid buys...we know a few folks that "escaped" to FL pretty much sight unseen...they had no idea what heat/humidity/bugs/critters were. And, occasionally, just weird "florida man" behavior all around you. Local knowledge from RE agents that are truthful (as Tim on here strikes me to be) is the best advice. And, go see the place, your neighbors all that kinda stuff. Just do your homework |
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By: Moonrise | Posted By: Moonrise - (Send PM) Member Since: 1/8/2013 Location: VB/Rodanthe Total Posts: 332 Experience: Date Posted: 6/29/2024 12:11 PM | |
Pre-collapse measures such as this are a step in the right direction. I’m glad that this discussion has started. No plan will be perfect but this is great place to start. |
RE: Condemned Home bill for at risk OF houses | ||
By: KDHBreeze | Posted By: KDHBreeze - (Send PM) Member Since: 1/19/2016 Location: Total Posts: 2500 Experience: Date Posted: 6/30/2024 10:10 AM | |
"The U.S. House bill, one of whose two primary sponsors is North Carolina Republican Rep. Greg Murphy and who represents the Outer Banks, would allow homeowners to receive payouts from the National Flood Insurance Program (NFIP) to demolish or relocate condemned structures before they fall into the ocean." The Upton-Jones Amendment funded up to 40% of the policy to move houses and up to 110% to demolish them. The maximum payout was $185,000 for the structure and $60,000 for its contents. Most people opted for demo, and the program was unsustainable after about 5 years and repealed at the 8 year mark. It also was a program very heavily utilized by one state in particular. |
RE: Condemned Home bill for at risk OF houses | ||
By: SteveWolf | Posted By: SteveWolf - (Send PM) Member Since: 6/29/2017 Location: North Olmsted, OH/Hatteras Island/Galveston Island Total Posts: 545 Experience: Date Posted: 7/1/2024 6:42 PM | |
Isn't a better solution for some level of government to remove at risk homes and charge the cost back to to the owner rather than socializing the cost? There are too many indians and no chief. Their public responsibility is diluted. In many/most states where the feds aren't involved a house gets demolished when it moves past the vegetation line. Sucks to be the owner. Getting rid of the federal oversight would relocate responsibility to a single actor, the state [and Dare County, a ward of the state]. That would result in action prior to emergency. Right now, there is a committee looking at a house, hands in their pockets, waiting for the ocean to force their hand. |
RE: Condemned Home bill for at risk OF houses | ||
By: OceanBlue | Posted By: OceanBlue - (Send PM) Member Since: 8/21/2010 Location: Total Posts: 2372 Experience: Date Posted: 7/2/2024 9:44 AM | |
[ I dunno...w/o NPS / CAMA in the "mix" I'm thinking we'd see some increased "bad acting" filling the void. Interesting about other states defining "the moment" as once a property is seaward of the dune line....any links you can share? |
RE: Condemned Home bill for at risk OF houses | ||
By: SteveWolf | Posted By: SteveWolf - (Send PM) Member Since: 6/29/2017 Location: North Olmsted, OH/Hatteras Island/Galveston Island Total Posts: 545 Experience: Date Posted: 7/2/2024 3:44 PM | |
[ The Texas Open Beaches Act, and volumes upon volumes of litigation in support of and against the Act, is a good place to start. Texas, in particular, has been a strong supporter of open beaches. No feds needed there. |
RE: Condemned Home bill for at risk OF houses | ||
By: johnbt | Posted By: johnbt - (Send PM) Member Since: 9/5/2019 Location: Richmond VA Total Posts: 601 Experience: Date Posted: 7/2/2024 3:52 PM | |
"The Texas Supreme Court has made it clear that once acquired, public easem*nts do not "roll" when the mean high-tide line changes due to an avulsive event such as a hurricane.[4] The state will own the "wet beach" (any land seaward of the mean-high-tide line), but the "dry beach" (beach that is landward of the mean-high-tide line, but seaward of the vegetation line) may be privately owned, regardless of any pre-existing easem*nts on the beach prior to the avulsive event. However, an easem*nt will "roll" with the vegetation line as long as its movement is gradual/natural and not caused by an avulsive event like a hurricane. Some[who?] have criticized the court's decision based on the fact that hurricanes result in "natural" erosion;[citation needed] critics argue that the distinction between what is "avulsive" and what is "gradual" is unclear.[citation needed]" I suppose that makes sense to lawyers and policy wonks. |
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By: OceanBlue | Posted By: OceanBlue - (Send PM) Member Since: 8/21/2010 Location: Total Posts: 2372 Experience: Date Posted: 7/3/2024 9:33 AM | |
[ Yes, totally follow the veg/hi tide component (I know Galveston and the GLO a bit - years in O&G in Houston) it's the "now you have to move/demolish it" part I don't see TX addressing...that were a cottage in peril, the state/county has stepped in. But, I could well have missed it. I would suggest the NPS/Counties addressing "frick and frack" (the two Rodanthe cottages bought/razed near Serendipity) is an example of what can be accomplished. |
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