Monthly Archives: February 2014

Insurance Costs Remain High post House Elevation

OUR HOUSE IS “SPECIAL”: We live in a flood zone that has been deemed “special” by FEMA, and not in a good way. It’s rated in the highest category of flood insurance, beat out only by those who have ocean front views. The guilty party in our instance is not the Atlantic Ocean, but a gentle brook whose size is disarmingly small. Yet, it provides, under the right circumstances, significant flooding around the entire perimeter of our house. For all kinds of obvious reasons, we no longer wanted to have the brook entering our house like an uninvited guest who crashes the party and trashes your house.

RAISE THE ROOF: or the whole house, as we did. That’s right. Ripped it from its foundation, jacked it up about 5 feet, built some new access stairs and endured a few months of costly construction. All in the name of decreasing our flood risk and ever-climbing flood insurance rates.

Our updated information was sent to FEMA complete with our required new flood elevation certificate. We weren’t looking for a gold star for our foreheads, just a decrease in our flood insurance rates.

FEMA’S RESPONSE: No rate change – same as  BEFORE the lift. Why? Two words – Flood Vents.

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Interior view of flood vent

WHAT IS A FLOOD VENT? Simply put, a flood vent allows for a free flow of flood water in and out of a home’s foundation walls. They serve to equalize the pressure on both sides of the foundation walls, decreasing the chance of significant damage. (see earlier post on flood vents)

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FEMA accepted flood vents

Not only do you need to have them, you need to have the right number of them based on the square footage of your house. The correct number of vents were on our plans, but our builder missed two of them. FEMA is a stickler that all criteria be met. Our house is out of harm’s way, but because we have seven instead of the required nine flood vents, they offered no reduction. A true all or none philosophy.  They have no competition, you can only get flood insurance through FEMA so they get to make all the rules. Once installed, we’ll resubmit our data to FEMA and hope for a better outcome.

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Flood vents cut into the foundation near the ground

 

Kitchen Renovation – Post House Elevation

THE PROBLEM: As the saying goes, you can’t make an omelet without breaking a few eggs.  Or, as I like to say,  you can’t undertake a massive house project (house elevation) without eating a few crap sandwiches. Today’s topic hails from the kitchen. The situation created stems from careless foundation work when our house was lowered (see older posts). An entire bank of cabinets, along with the granite counter top, shifted out-of-place, resulting in drawers that would roll open and an unsightly gap in the counter. Not an entirely big deal, until you appreciate that this kitchen had recently been fully gutted and renovated ALREADY!  Here’s what it looked like before:

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Gap in granite seam about the width of a pencil.

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Entire bank of cabinets shifted away from the wall

THE FIX: This project required a bit of re-tooling of the cabinets, or in  construction speak “shimming” to readjust them.  The backslash had to be  pried off  with a crowbar to achieve this and then the kitchen sink had to be reset.

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Shimming the kitchen cabinets

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Small pieces of wood added to the bottom of the cabinets, kick plate removed.

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Ripping off the backsplash

AFTER:

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Gaps are gone!

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FOR EVERY ACTION, THERE IS A REACTION: For the most part, this side of the kitchen was restored. We’ll still have to shore up the refrigerator, again. Plus, a new gap was created at the top of the backsplash. You can sort of see it in the picture above. Note how the beadboard and the backsplash do not meet. The gap is too big to use caulk . Eventually, we’ll put in new tile or replace this beadboard.

NOW FOR SOME GOOD NEWS: At the very beginning of this house elevation project, we had to remove a superfluous chimney that ran right through the kitchen. We decided to install new cabinets in its place to open up the kitchen a bit. The crew today did a fantastic job seaming in the new cabinets to blend in with the already existing ones.

BEFORE:

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Chimney tucked neatly behind the bead-board.

AFTER:

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Cabinets replace former chimney

We opted to go with a walnut cutting board instead of more granite. This kitchen already has plenty of it and it was much easier to seam in a piece of cutting board than another piece of granite. When I asked the lead installer about this kitchen in terms of how this project faired compared to others he has worked on he said,” This job was a nightmare.” Tell me about it!

Although you can’t tell from the photos above, this old house has walls that are no longer square, if they ever were.  A lot of tedious maneuvering went into lining up these cabinets. Many thanks to Pablo and his crew for working some magic.