I wonder if I am a typical disaster victim.
Only three weeks after moving into my home in Boulder, we we’re fighting back the seepage from the Boulder flood in the basement. It’s a little scary, but surely, some wet corners in the room isn’t going to be a problem. Then, water started coming in through a window. That’s a much bigger deal, but still, towels were keeping pace. When the drain in the basement started going the wrong way is when the real trouble started.
The sump pump tried to keep pace with the drains turned into bubbling water features, and it did an admirable job, but they kept flowing the wrong way for nearly 24 hours and when it was over, the floors had been ruined and a bit of furniture as well. Compared to so many neighbors right in the new neighborhood and all across Colorado’s front range, I got off easy.
I got started right away with the clean-up. While water was still coming in I started calling folks to help with the mitigation–I figured I’d have to get in a long line and they’d take a day or two even to come by and make an estimate. My insurance agent called me! and I filed a claim. Then I started ripping the carpet out.
It’s hard work to remove soaking wet carpet, and I really wasn’t sure what I had to do, but it turns out doing it myself saved thousands of dollars, and above all, it allowed the basement to be dried out in a couple of days and the chance of damage or the dreaded mold dropped dramatically. A week later, when the insurance adjuster stopped by he told me that others still had two feet of water in their homes, waiting for him, the home owners say, to ensure he witnesses the damage. Waiting only increased the costs, and don’t forget the smell those folks were living with.
I contacted FIMA while the news of damage others were facing was coming in. Houses just a few doors down were nearly destroyed. Hundreds of people couldn’t get into their homes and water was still flowing over the banks in creeks down the street. The FIMA agent visited and assessed the damage but by this point I already realized how minimal the upheaval in my world would be compared to many. And a few days later a small, but substantial check arrived from FIMA. Enough that I actually felt a little bad about it…do I deserve anything when many are really suffering?
In the end it’s an unplanned, under-insured expense of around $10,000 but the bigger problem seems to be just getting anyone to even provide an estimate for work–they’re all so busy fixing bigger damage elsewhere. For me, it’s just an inconvenience, really; nothing more. But it’s an inconvenience with some serious cost and it feels pretty crazy to be have your heart sink just because it started raining again and the ground is still wet. I bet that’s typical.