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Wednesday, Nov. 26, 2014

Area family deals with flood damage

Thursday, June 12, 2008

(Photo)
Brazil resident Paula Brown documented the damage to her family's home following last week's flooding.
Although the majority of Brazil managed to escape severe damage caused by the flood, several families have been displaced or have smaller living conditions due to flooding.

Paula Brown woke up Saturday, June 7, hearing the massive storms that were just starting.

"I got up at 4:30 a.m. and saw the rain coming to the edge of the drive," Brown said.

Only one hour later, there was approximately two-and-a-half feet of water inside their home, 402 S. Alabama St., Brazil.

Brown said she received help from friends regarding sandbagging and at one point had four pumps running water out of their home.

The water receded later that evening, but things haven't improved just yet, Brown said.

"Basically, we're living in one bedroom right now," she said.

The family has lived in the home for five years now.

During the flooding during the weekend, Brown said she didn't see any city workers.

However, Brazil Mayor Ann Bradshaw said she contacted workers with the sewer department right away.

"They were out extremely early," Bradshaw told The Brazil Times. "And the water department went out next."

Bradshaw said the worst areas hit by flooding included areas near Short, Ridge, Depot, Pinckley and Posey streets.

"You had some areas that were flooded, but not as bad," Bradshaw said.

Bradshaw said city employees have been out cleaning up debris since flood waters receded.

"We're trying to help, of course," she said. "They've been out practically every day. As they see it, they get it."

Bradshaw encouraged any city resident that needs help cleaning up debris to call her office at 443-2221 or the city street department at 448-8501.

"We'll help them out as much as we can," she said.

While Brown's house is salvageable, she said the family was denied by insurance because the area is not in a flood plain.

"Basically, we were told we were on our own," Brown said.

Readers are encouraged to comment on this article at www.thebraziltimes.com.


Comments
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Maybe a lawyer can respond with the answer to this question: If I visited the insurance office to add Flood coverage to my policy, and I was denied because I'm not in a flood plain, is there a legal recourse in the event of a flod like this? Is there possible negligence on the insurance company's part for not recognizing the flooding potential? I know that if it happened to me, I'd be fuming mad.

-- Posted by Civisi on Thu, Jun 12, 2008, at 8:26 PM

I thought that is why people had home owners insurance! I know a person who had a tree fall & destroy a large section of their privacy fence. The insurance company told them it wasn't covered because it was an act of GOD. It wasn't even their tree.

-- Posted by th1953 on Thu, Jun 12, 2008, at 8:39 PM

As a community,everyone who has flood damage needs to bond together and file a lawsuit. It is not right for them to tell anyone they cannot have any kind of insurance. I don't believe in suing someone for trivial things, but this never will be a trivial thing. The insurance companies need to be held accountable, this is an act of "God", which should be covered. They pay for your car if you hit a deer, they need to pay for this. God be with all who have to endure this nightmare, and best of luck.

-- Posted by fitch30437 on Thu, Jun 12, 2008, at 9:39 PM

http://www.wthitv.com/global/story.asp?s...

might have some links of use on this... they just covered the "flood insurance eligibility" on the news a few minutes ago.

-- Posted by mhicks on Thu, Jun 12, 2008, at 10:13 PM

When the Hurricane hit Mississippi people there had Hurricane insurance. But, when they went to file claims they were denied because the insurance companies said it wasn't Hurricane damage (meaning wind) it was flood damage and they didn't have flood insurance. Lawsuits were filed, but because insurance companies have written policies it is hard to win against them. And unfortunatly insurance is a product, and they DON'T have to sell it to you. Just like car insurance can be cancelled if you file a claim.

Read your policies very close and then decide it you want to stay with the insurace company you are with. Maybe if people started "cancelling" certain big companies they would reconsider what they offer.

-- Posted by Icareaboutbrazil on Fri, Jun 13, 2008, at 6:42 AM

The city of Brazil, does not...sit by a riverside, or have a river running through it, that we would have to contentd with if swollen and more rains were coming. Brazil also does not have to worry about lakes or streams that might overflow as well.

No, when Brazil floods, it is becuase of inadequate infrastructure. Whether it be too old, not big enough, or just plain ol' poor planning or engineering, these insufficiencies have been known to the powers-that-be for a very long time. And if you even if you wanted to give them the benefit of the doubt, that went away 15 years ago when on the morning of Aug. 17th, 1993, residents of this town actually had more water to deal with than they did this time.

After the 1993 event, meetings were held, plans were made...and NOTHING got done! Inaction and irresponsibility should have a price to pay, I'm postive that there are those out there who are going to do their best to see that that price is paid. I say good luck to those people who challenge the city. You deserve whatever you can get!

My heart goes out to the uninsured that are already struggling and then for this to happen, well it could ruin far more than just property, it could ruin peoples lives.

And shame on the President (and the Govenor for not adequately stating our need)for not including Clay County in the disaster relief to this point.

I've now lived through "two once-in-lifetime events". And I'm pretty sure that if things don't change in this city, they'll be even more.

-- Posted by ClayCountyGuy on Fri, Jun 13, 2008, at 7:52 AM

You might try FEMA. I dont know if they are in Clay County but they are at the Booker T Washington center in Terre Haute. The Red Cross is there as well.

Seems like there should be an easy solution but if you are talking about the gov't and insurance, I am sure it is complicated!!!

-- Posted by madmom61 on Fri, Jun 13, 2008, at 1:24 PM

I'm a New Orleans resident still coping with Katrina and I can tell you first hand that most insurance companies will do their best to avoid paying a storm related claim or try to reduce the amount they pay by underestimating the damage.Hire a contractor yourself to estimate damages before you accept a check. Fema is another story. they should be on the scene by now along with the Red Cross.Go online and file for FEMA assistance. I'm surprised anyone would be turned down for flood insurance ,insurance companies typically do not cover flooding as this is covered by a different agency.I think it is the National Flood Insurance Program, these policies are handled through your insurance company.The way I understand it ANYONE ,regardless of location can purchase it.(it isn' expensive but only covers up to 250,000).If you were turned down then I really think some one made a grave mistake.Our flood in New Orleans was not due to rain or inadequate pumping rather due to poor engineering by the POWERS THAT BE !I hope y'all are taken care of the way you deserve and things dry up .My prayers are with you. Please contact the agencies I have mentioned for they won't come looking for you.Remember you're a tax payer.

-- Posted by canicus13 on Fri, Jun 13, 2008, at 6:51 PM

I'm a New Orleans resident still coping with Katrina and I can tell you first hand that most insurance companies will do their best to avoid paying a storm related claim or try to reduce the amount they pay by underestimating the damage.Hire a contractor yourself to estimate damages before you accept a check. Fema is another story. they should be on the scene by now along with the Red Cross.Go online and file for FEMA assistance. I'm surprised anyone would be turned down for flood insurance ,insurance companies typically do not cover flooding as this is covered by a different agency.I think it is the National Flood Insurance Program, these policies are handled through your insurance company.The way I understand it ANYONE ,regardless of location can purchase it.(it isn' expensive but only covers up to 250,000).If you were turned down then I really think some one made a grave mistake.Our flood in New Orleans was not due to rain or inadequate pumping rather due to poor engineering by the POWERS THAT BE !I hope y'all are taken care of the way you deserve and things dry up .My prayers are with you. Please contact the agencies I have mentioned for they won't come looking for you.Remember you're a tax payer.

-- Posted by canicus13 on Fri, Jun 13, 2008, at 6:53 PM

There was a woman on the tv from terre Haute last night. She said that Indiana has some kind of Insurance for all residents which qualifies anyone for flood insurance. Of course right now its too late. But go through the archives at channel 10 and see what she is talking about.

Perhaps see In.gov. Write to the Gov.Daniels.

I have seen a number of times Brazil floods after a few inches. True, the infrustructure is in dire need of repairs. They need to scrap and start over. This will take a huge effort on the part of Brazil residents to petition the Governor?

Hmm, maybe its time we got some of that money in the black he keeps bragging about? I am really sorry to hear that some folks are in trouble. If you all need anything, just post it here. Maybe all can help.

One thing that really gripes me. Whenever I 70 has a detour through town, we have back up for hours. Why not detour the cars toward Harmony to the interstate and the trucks through town with a traffic cop? The poor travelers were blocking the lights so no one could move. Dangerous.

Just put up signs for cars and endure it but at least its safer. MOVE THAT TRAFFIC!!

-- Posted by Pearl2083 on Fri, Jun 13, 2008, at 8:12 PM

In 1993 after the LAST big batch of water we had, I asked for (and was denied) flood insurance for the same reason (not in a flood plain). Thankfully, THIS time it didn't get me, but I'm definitely looking into the National Flood Insurance. Of course, knowing insurance the way I do .. you'll pay A LOT and get NOTHING. Pay all these years for what? I say after 10-15 years without a claim .. we should get a 40% reduction in our yearly insurance premium or money back !! Insurance companies are corporate pimps. Nothing more.

-- Posted by Emmes on Wed, Jun 18, 2008, at 10:54 AM


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