I live in the northeast. A couple of weeks ago we had one of those "once in a hundred years" rain storms that seem to happen every ten years around here.

I live a couple miles from the ocean in an area that eons ago was actually in the ocean. About five feet down the soil ends and marine clay begins. Rainwater does not permeate marine clay. The result of the recent colossal storm was that almost everybody in my area experienced flooded basements, me included.

Luckily, I had all my mechanicals on cement pads just high enough to avoid being ruined, but I lost a lot of tools (I’m a contractor) that I’ve had for years, and the kids playroom. There is no way I can produce receipts for the tools. To replace them all at once, I estimate it would cost about 12K, I could rebuild a very nice playroom for less than k

I’ve never taken a dime from the government but FEMA sent me a letter, through my insurance carrier, telling me that I qualify for relief.

Anybody have any experience with this? Worth it or were you bogged down in red tape?

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