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| Time | Text |
|---|---|
| I can see the curb the whole time, so we're good. | |
| We're less than a foot of water. | |
| There's a pontoon. | |
| There's a car that just got smashed through these boats. | |
| Heading out of Rockport, and we just went through some roads completely flooded, but this is unbelievable. | |
| You're not looking at the Golf of Mexico boats. | |
| These are massive piles of debris that are littering the street up and down, block after block. | |
| There's damaged furniture and toys and pictures in here. | |
| This neighborhood was flooded. | |
| there was at least four feet of water that raged through a lot of these homes. | |
| This home. | |
| This is something that my cousin put out on Facebook and he got it from a friend and he's been through floods and hurricanes. | |
| I've been through floods and hurricanes. | |
| And there's a lot of information that you're going to learn as you go through your process of trying to get your property back or fix your house or fix your car or whatever. | |
| So this was something that somebody put out and I just wanted to share this with you guys. | |
| And we're going to put this out as a real short video. | |
| What to do after the hurricane strikes. | |
| And how do you put your life back together? | |
| Number one, ensure your physical safety. | |
| Everything else can be replaced. | |
| You can't. | |
| So just remember that. | |
| Everything else can be replaced. | |
| You're in a marathon now, not a sprint. | |
| Everything will take much, much longer than you want it to. | |
| You'll be dealing with the federal government. | |
| And they will move at their own pace. | |
| Take pictures. | |
| Lots of pictures. | |
| Establish how high the water was inside and outside your house. | |
| You do that with photos and there's high water marks. | |
| Easily tell how high the water got. | |
| You need to prove how deep the water was as part of your flood claim. | |
| Use a yardsticker ruler on the outside of your house to establish the high water mark. | |
| File your claim immediately. | |
| Get in line for adjusters. | |
| The next, flood insurance will not reimburse you for loss of use, so any hotel or lodging expenses will have to be out of pocket. | |
| Save all your receipts. | |
| It's very important. | |
| Save all your receipts and label them of what they were because it may not be written on there as well. | |
| Water a pot or storage container. | |
| They will sell out fast. | |
| And those are things that you can get delivered to your house. | |
| You can put stuff in them. | |
| Stuff that you want to keep and maybe try to fix later. | |
| Or anything maybe from the upstairs of your house. | |
| Because if you have a two-story house, stuff upstairs will probably be okay. | |
| As soon as the water recedes, start mitigating the damage. | |
| Shop vac out all the water you can. | |
| Remove the wet carpets. | |
| Remove the baseboards. | |
| And start removing wet sheetrock. | |
| Cut a line about two feet up the wall. | |
| I would say cut it up at least a foot above the water line. | |
| So they're saying two feet up. | |
| That's if you just got a little water in the bottom. | |
| But if you got four or five feet of water, you might have to take out all the sheetrock. | |
| The straighter you cut, the easier it will be to rebuild. | |
| Bag debris, insulation, etc. | |
| Take it outside. | |
| Save a square of ruined carpet and ruined carpet pad for the insurance to verify replacement value. | |
| That seems very important and probably a lot of people don't do that. | |
| They just throw everything away. | |
| So cut out a little square. | |
| Put it in a baggie. | |
| Write your stuff on it. | |
| Your goal is to get anything wet out of the house so it can be dry. | |
| Don't worry about removing glued down hardwoods. | |
| Let the contractor handle that during the rebuild. | |
| So just get rid of the carpet. | |
| Take pictures of any damage you see. | |
| Wet sheetrock, wet carpet, wet furniture. | |
| I would do that before you start doing any type of work yourself. | |
| Take all the documentation you need first. | |
| Each book, shirt, etc. | |
| It needs to be enumerated and documented for the claim. | |
| If you say 20 books on your claim, you need a photograph of where the 20 books can be individually accounted for. | |
| Be exact and over-detailed. | |
| They're expecting more rain, so don't put flood debris where it can float away. | |
| Block a drain and cause more trouble. | |
| So make sure that you're accounting for that. | |
| Be very careful about hiring experts and companies. | |
| About hiring the experts. | |
| Companies will bring fans and eat up a lot of your claim check by drying out your house. | |
| You can do a lot of that. | |
| Actually, I had a toilet flood. | |
| I pulled off the baseboards, put in some dehumidifiers, pulled out the carpet where it got on there, and the claims guy came and said, you just did everything I was going to do. | |
| And he's like, I'm not going to charge you anything, and he left. | |
| And just said, basically, you've done everything. | |
| Pulling off the baseboards allows you to get to that sheetrock and get it out of there and get the insulation out of there as well. | |
| Let's see. | |
| Once your walls are open, the studs will dry in time. | |
| Every dime you spend renting expensive blowers is money you can't use toward granite countertops or tile upgrades when you rebuild. | |
| Fans, your air conditioner or dehumidifier from Home Depot will do the job. | |
| Yeah, just get little fans and put them in places. | |
| As long as you got... | |
| Air moving at it. | |
| It'll be fine. | |
| You can spray the studs with bleach as they dry out. | |
| I wouldn't use full bleach. | |
| I did a mixture of bleach and water. | |
| And you can look online. | |
| People will tell you what to do. | |
| This guy said he saved $10K on his claim by doing the work himself in three of our floods. | |
| That's what he did. | |
| Be careful of hiring contractors. | |
| Ask for multiple references. | |
| Ensure they use subcontractors. | |
| They know they'll be busy and be prepared to wait. | |
| What you're going to see in Houston is people come from all over the country are going to start moving down there in trailers, mainly for work to help rebuild because there's going to be a lot of work in Houston. | |
| There's going to be more work than people can handle. | |
| People are going to say this is bad for the economy. | |
| It's actually going to be good for the economy because it's going to be government money coming in and influxing in that economy. | |
| So the sooner you can get back your business back on its feet, the sooner you can get your house back up, you can jump in and be part of that economy as well because there will be a lot of money being spent. | |
| Very quickly. | |
| I remember we spent $15,000 just removing trees, just cutting down trees that were damaged. | |
| $15,000 in one day. | |
| Okay, and this was a company in Tennessee that came down and did this. | |
| Plastic storage tubs work better than cardboard boxes for storage of undamaged stuff. | |
| Be nice to your adjuster. | |
| He or she will be valuing your loss and establishing the rebuild. | |
| Every dollar counts, so a pleasant memory for the adjuster rather than that person will go a long way. | |
| No matter who your insurance company is, all flood claims go through the federal government. | |
| All money comes through FEMA. So the time between your adjuster visiting your house and getting the money takes weeks, months. | |
| Be patient. | |
| It is challenging and horrible waiting. | |
| But you are dealing with the government and all the other claims are in flight as well. | |
| Your first estimate will likely be less than you expect, so work with the contractor to file a supplement for things that were missed. | |
| Be wary of working with third-party arbitrators as they will take a percentage of your total claim. | |
| Not just any of the extra work you get in your supplement. | |
| Accept help when offered and be specific. | |
| This is talking about friends and family. | |
| If someone asks, what can I do? | |
| Tell them something specific. | |
| I need candles, contractor bags, sandwiches. | |
| Be grateful for those that reach out and be honest with what you need. | |
| You will get through this. | |
| It is a struggle, but you will get through it. | |
| And I tell you what, the people of Houston are going to get through it. | |
| And they're going to get through it with help from their neighbors and friends, and definitely looks like Donald Trump's already helping out with getting FEMA down there. | |
| Governor Abbott's got to be committed, too, for getting the National Guard down there, activating everybody to just basically get people out and keep them safe. | |
| This is a personal experience and should not be taken as legal. | |
| Okay, this is their disclaimer. | |
| I am not in business at all. | |
| This is a personal experience. | |
| It should not be taken as legal, medical, or professional advice. | |
| In other words, no liabilities, guarantees, or warranties are being issued with this note. | |
| And I say the same thing. | |
| Hey, man, I'm just a guy on the radio. | |
| But I wanted to share this information with you because I've also been through these things and I've seen how they work. | |
| It does take a long time, but you can get through it. | |
| Just methodically go through it and take a lot of records, take a lot of photos. | |
| Man, we got these phones now and they can take a lot of photos. | |
| So do all that. | |
| Get your spreadsheets. | |
| Get a crappy working computer so you can keep detailed records and keep all your receipts. | |
| So do you have anything you want to add to that? | |
| That seemed like very sound, solid advice. | |
| I'm not somebody that has living through hurricane experience before. | |
| I'm from St. Louis, Missouri, but that sounds like it makes sense. | |
| And I'm sure a lot of people out there are looking for any sort of advice right now. | |
| It's just hectic, a lot of confusion. | |
| So that sounds like good stuff. | |
| And this is stuff you don't think about. | |
| You know, you're like, I got to get back in my house. | |
| Oh, great. | |
| Now you throw everything out. | |
| You're not thinking about taking pictures of everything. | |
| Yeah, that was my first. | |
| Take photos first. | |
| Yeah, my first reaction to that was like, oh, like there's a list of things you need to do. | |
| Like I said, my first thought is like, okay, like gut the house, you know, tear it down. | |
| Wait for the government to do it for me. | |
| No, the government's not going to do anything for you. | |
| Don't put those words in. | |
| Don't do that. | |
| Gotcha. | |
| Easy. | |
| Right. | |
| Whoa, boy. | |
| Whoa. | |
| Slow down. | |
| Don't wait for the government to help you. | |
| You have to do some of the legwork. | |
| It's going to take some elbow grease, but guess what? | |
| Everybody else in Houston is going through the same thing as you right now. | |
| So hopefully we'll put this short video out, put it on Facebook, we'll put it on YouTube, spread this little video out. | |
| And hopefully that'll help some people go through their madness that they're going to go through a little bit easier, a little bit orderly. | |
| Another major health threat, this one in Toledo, Ohio, where everybody in the entire city has been told not to drink the water. | |
| Ohio's governor declaring a state of emergency. | |
| Did you know that the average person uses about 80 to 100 gallons of water at home every single day? | |
| If there's a water emergency, will you be prepared? | |
| Panicked residents forming long lines throughout the day. | |
| We're here at a supermarket in Toledo. | |
| You can see the shelves empty where water once was. | |
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