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The City of Charleston does not require “Substantially Damaged” determinations after flooding, does not inspect homes after flooding and allows homes to be built below the BFE (Base Flood Elevation) in Flood Zones.

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The City of Charleston provides a sweetheart deal to the developers and provides a “variance” for the properties that are built below the BFE.

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Shortly thereafter these homes flood. Many of them repetitively flood. The flood policyholders in the National Flood Insurance program have to pick up the bill.  (SRL and RL properties have cost the NFIP over 12 Billion in flood claims).

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Another problem found by the fraud investigation started by @Ana Zimmerman , Phd, when a home floods, the city of Charleston does not require permits to rebuild. The city of Charleston also does not provide a “Substantially Damaged” determination after a home floods.  Homes are patched together, resold to other unsuspecting homeowners and the home floods again…… repeat.

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Another problem found by Ana Zimmerman was that up until 2017 Charleston NEVER issued a substantially damaged determination on any property!  Ana basically had to file a lawsuit to have her home deemed substantially damaged so her home, which is in foreclosure, will not be flipped to another unsuspecting home buyer. (Her home had flooded 5 times previous to her buyer her home.   This information was never disclosed to her!   Shortly after purchasing her home it flooded an additional 2 more times.  We find it impossible that a community that floods so regularly, https://www.postandcourier.com/news/downtown-charleston-broke-record-for-flooded-days-last-year-rain/article_266c0424-4b9d-11e7-959e-53ca41732680.html , that they completely ignored protecting homeowners by not inspecting homes and providing Substantial Damaged determinations after a flood.

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So many unsuspecting homeowners bought homes that were Substantially Damaged and were Severe Repetitive Loss properties. On top of that many of these hastily rebuilt homes, that never required inspections, had mold and Ana’s child contacted a respiratory illness.

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Because of the Fraud Investigation started by @Ana Zimmerman over 2,100 previously flood homes will now have to disclose that they have been flooded.

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Because of the Fraud investigation the city of Charleston is reviewing 2,100 previously flooded homes. If they are determined to be Substantially Damaged / Substantially Improved they will need to be elevated.

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We find it unfair that communities across the country are required to abide by the Substantially Damaged regulation, but some communities ignore this with regulation without ramification. 

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Furthermore we do not understand how the City of Charleston can be receiving any CRS discounts for their community.  Discounts are given to communities for complying with FEMA rules and mitigating future flooding in their community.

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After not following all these FEMA / NFIP regulations how does Charleston receive a 20% CRS discount when they act as follows;

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– Allowed New homes to be built 3 feet below the BFE.
– Does not require permits to rebuild flooded homes.
– Does not require “Substantially Damaged” determination after a flood.
– Had never provided a Substantially Damaged Determination until a lawsuit ensued in 2017.
– Allows “Fill and Build” development in flood zone communities, flooding adjacent developments that never flooded.  Causing man made flooding.

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If you have high flood insurance premiums, repetitive losses, required to elevate or other flood zone issues please join us at www.facebook.com/groups/stopfemanownj and www.StopFemaNow.com

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Read the full story here https://www.postandcourier.com/news/fraud-found-in-charleston-flooded-homes-case-but-builder-will/article_7ef8e89e-1c49-11ea-baec-dba627bba42c.html?fbclid=IwAR14HHxsRwIHI2jBPafDtmD2JQSe69WEDzeF7Sy2QFO4l2pym3EUx2fr4nI

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