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Ms Porter, We are writing to you concerning this article. https://www.postandcourier.com/news/charleston-council-not-voters-will-decide-home-raising-rules-due/article_76044164-afa4-11e9-90ba-6ba347a08695.html

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We have intimate experience with Substantially Damage designation and how it is correctly interpreted. These regulations must be adhered to by any home situated in an SFHA (Special Flood Hazard Area).

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We believe the good elected officials of Charleston have misinterpreted FEMA’s complicated rules on dealing with Substantially Damaged homes in an SFHA.

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# 1 the main reason Charleston is having homeowners raise their flooded homes is to comply with FEMA/NFIP rules.

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The city of Charleston is correct that a home MUST be elevated if Substantially Damaged after a storm.

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Furthermore, if a home is a “repetitive loss” property (flooded multiple times) and combined flood damage passes the Substantially damage threshold, then the home must be lifted. Also if a home has flood damage and the cumulative cost to rebuilt and put on an addition exceeds the substantially damaged threshold then the home must be elevated.

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Concerning termite damage, fire damage, “substantial improvement”, or combination of Flood Damage and improvement pass the 50% threshold – then the home must be elevated. We believe this is NOT an option that Charleston can override if they want to be part of the NFIP program.

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Not elevating as per FEMA’s rules will force Charleston to not only lose the CRS discount but to be “suspended” from the NFIP program.

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Here is an article about a home that was on fire, it was situated in an SFHA zone, the town did not allow the home to rebuilt without it being raised ( https://www.kcra.com/article/fire-damaged-home-in-natomas-faces-flood-hurdle-for-repairs-1/6414770 ) This is to comply with FEMa’s regulations. FEMA/NFIP rules supersede the town’s regulations.

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The goal of www.StopFemaNow.com is to help homeowners rebuild CORRECTLY in a flood zone and to keep flood insurance affordable.

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Feel free to join us at www.StopFemaNow.com , www.Facebook.com/StopFemaNow , www.facebook.com/groups/stopfemanownj , www.twitter.com/stopfemanow

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Below is a resolution from Toms River, NJ (They had over 4,000 Substantially Damaged homes after Superstorm SANDY) and flyer of a meeting where we had discussed Substantially Damaged and all the implications around SD.

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Feel free to reach out if you have any questions or concerns.

Regards,

George Kasimos

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