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ELIJAH CUMMINGS FEELING THE BERN TODAY!
SAVE THE DATE!
The POWER OF HERBS WORKSHOP
SAVE THE DATE! FRIDAY 6/17 6:30PM @63A FENIMORE ST.
IF YOU LIVE IN A NY COASTAL COMMUNITY AFFECTED BY HURRICANE SANDY, IT IS VERY IMPORTANT TO UNDERSTAND WHY AND HOW FLOOD INSURANCE STARTED IN AMERICA. KNOW & UNDERSTAND THE ACT, LAWS, FEMA , INSURANCE COMPANY TERMS & GUIDELINES AND WHICH ELECTED OFFICIALS UNDERSTAND AND ARE WORKING ON BEHALF OF YOUR INTERESTS A A HOMEOWNER AND RESIDENT IN CANARSIE AND OTHER COASTAL COMMUNITIES.
ESPECIALLY IMPORTANT
IF YOU HAVE MADE APPLICATION WITH HURRICANE BUILD IT BACK..
This is part 1 of a series of articles about insurance, flood insurance, FEMA and BIB Program. Hopefully, it will help to better understand flood insurance policy and what can be done to keep premiums reasonable and they may not even be a real need for flood insurance in Canarsie and some of the other coastal communities. Do we really need to pay exhorbitant premiums for flood insurance coverage that we may not really need?
Before 1950 flood insurance was part of the standard homeowners insurance policy. During the 1950’s increasingly high correlation of losses by holders of flood policies of the same company caused many insurance companies to begin excluding flood coverage from standard insurance policies, selling flood insurance separately.
In the 1960’s flood insurance became completely unprofitable and private companies no longer offered flood insurance policies. This meant that the costs of floods were borne by property owners, many of which could not afford such high disaster costs. The government provided public disaster aid to affected property owners.
In 1968, the National Flood Insurance Act established the National Flood Insurance Program (NFIP), which allows property owners to purchase insurance from the U.S. government that covers certain losses from flooding. The intended purpose of the program was to reduce the overall costs of floods by providing incentives for flood risk management, and to pool flood risks nationally to lessen the blow to individuals hit by major floods.
This insurance is not set by the market risk valuation and is less expensive than private insurance company rates. This is accomplished either by the program running a deficit and borrowing money or by subsidies from the national government.
Either way, the property owners with NFIP policies are receive subsidies to live in areas that should never have been developed because they are inhabitable. Inhabitable because of the well know high risk of flooding and yet continue to live in areas with high risk and continue to receive government subsidies to live in these areas. They should not be receiving government subsidies to live in areas with high flood risk.
The loss of property, of life and limb resulting from flood damage was mainly the responsibility of the property owner. Disaster aid and payment for insured losses, which ironically undermines the intent of the NFIP. It seems the flood policy decisions have accelerated property losses. Some contributing factors to increasing demand for aid are:
- Flood insurance for properties in flood prone areas is mandatory only to secure loans, which makes it somewhat more likely that flood prone properties will be owned by seniors who have paid off their mortgages, or investors who have acquired the property for rental income.
- Flood insurance only covers losses for the owner of the property, and claims are subject to caps, which further increases the likelihood that the property will be occupied by renters rather than the property owner.
- Flood prone properties are more likely to be offered for rent because of the owners’ increased risks and/or costs associated with occupying the property themselves.
- Flood prone properties are more likely to be offered for rent at a discount, which attracts lower income groups, seniors, and infirm groups.
According to critics of the program, the government’s subsidized insurance plan “encouraged building, and rebuilding, in vulnerable coastal areas and floodplains.”[12] Stephen Ellis, of the group Taxpayers for Common Sense, points to “properties that flooded 17 or 18 times that were still covered under the federal insurance program” without premiums going up.[12]
References (wiki)
- Jump up^ Federal Emergency Management Agency (March 1986). “A Unified National Program for Floodplain Management” (PDF). Retrieved 2014-11-08.
- Jump up^ Holladay JS, Schwartz JA. (2010). Flooding the Market: The Distributional Consequences of the NFIP. Institute for Policy Integrity.
- Jump up^ U.S. Government Accountability Office. (2003). Challenges Facing the National Flood Insurance Program
- Jump up^ Wright, James M., The Nation’s Response to Flood Disasters: A Historical Account. 1 Apr 2000.
- Jump up^ Fema.gov (retrieved Apr. 13, 2016) http://www.fema.gov/loss-dollars-paid-calendar-year#
- ^ Jump up to:a b c National Research Council of the National Academies (2015). “Affordability of National Flood Insurance Program Premiums Report 1”. Retrieved 2015-08-20.
- ^ Jump up to:a b Uhlenbrock, Kristan (31 January 2014). “Despite Hazard of Sea Level Rise, Senate Halts Flood Insurance Reforms”. ThinkProgress. Retrieved 31 January 2014.
- Jump up^ Ferraro, Thomas (30 January 2014). “U.S. Senate passes bill to delay hikes in flood insurance rates”. Reuters. Retrieved 31 January 2014.
- Jump up^ “S. 1926 – Summary”. United States Congress. Retrieved 31 January 2014.
- Jump up^ <https://www.fema.gov/floodplain-management/letter-map-amendment-loma
- Jump up^ https://www.fema.gov/national-flood-insurance-program-2/letter-map-revision
- ^ Jump up to:a b hanscom, Greg (13 January 2014). “Flood pressure: Climate disasters drown FEMA’s insurance plans”. Grist. Retrieved 31 January 2014.
Frustration and tired of being tired led to the birth of Canarsie Strong.
Two former Acorn community organizers who lived in Canarsie at the time of the Sandy disaster; oneliving in the flood zone and the other lived adjoining to the flood zone. The frustration of many residents was caused by the inept delivery of services, equipment and resources, lack of communication and the abysmal leadership of the local coalition. Having seen the benefits of community organizing and engagement done honestly, it was very heart breaking to standby helplessly as the community was being fractured and honest opportunities for engagement squandered. This even after the tremendous effort of Senator Sampson and his skeleton staff.
Foresee Corporation, also known then as the Canarsie Commerce and Community Coalition, whose mission was to creation a greener, resilient and more sustainable Canarsie to improve trade, commerce, cultural and recreational and a vibrant financially and provide financial assistance in the area. This was the efforts of Canarsie Strong co-Founder Debbie Tiamfook and Rabbi Yosef “Yossi”, Congregation Sfaard.
The Foresee Corporation held 21 meetings from 10/30/13 to 5/8/14.
- Through the Foresee Corporation we were able to provide residents with a series of disaster preparedness workshops and interior / exterior urban gardening resiliency, food, health & wellness workshops with Sebert Harper—a horticulturist, drawing in over 200 people for homeowners forum, and held 21 public meetings.
- Canarsie Blooms: Began on April 27, 2014 as a community garden with the purpose of bringing neighbors together for a clean, healthier, and greener Canarsie.
- Solar Panels: Rebuilding Together gave 50 solar powered lights to Canarsie Strong for the purpose of distributing them to 50 homes to address safety concerns in the community.
- Tax Abatement Petition: A Canarsie resident discovered through a news article that Canarsie pays higher property taxes than Prospect Heights. Through this discovery Canarsie Strong used the expertise of a tax specialist to investigate this issue and held an event to inform residents on how their taxes worked. They were able to send 150 petitions to the commissioner of taxation. The estimated value of the property in Canarsie was undervalued. Eligible homeowners had their taxes reduced in Canarsie by 500- 600 dollars on average.
- Town Hall Meeting: A public forum held on August 24, 2014 where 66 members attended. Canarsie residents asked questions related to Sandy and resiliency to elected officials lick the Brooklyn Borough President, the Mayor’s Office of Recovery, Councilman Maisel, Senator John Sampson, Assemblyman Perry, Sandra Chapman, Gardy Brazela, Harold Jones, Rabbi Hecht and many others.
- HPD Event: 10 City Agencies shared information about homeowner services for residents. There were over 100 residents in attendance.
Herbs or medicinal plants have been used for centuries to treating illness and disease.
Most people are all familiar with the virtues of Garlic, Chamomile, Peppermint, Lavender, and other common herbs. To learn more register for “The Power of Herbs” with Sebert Harber at 65Fen on Friday June 17th. Mr Harper will take you on a journey you won’t forget as you learn more about herbs that should be in the pantry and in your medicine chest.
Interest in medicinal herbs is on the rise again and the interest is primarily from the pharmaceutical industry, which is always looking for ‘new drugs’ and more effective substances to treat diseases, for which there may be no or very few drugs available.
Sebert Harper
Presented by Horticulturist & Environmental Educator, Sebert Harper
Time: 6:30pm. Friday, June 17th 2016
Location: 65 Fenimore Street & Flatbush Avenue
Learn how to use the power of Herbs for Common Ailments – have natural cures at your fingertips. headaches, cuts, beauty aids, bruises and many more. Suggested Donation $15.00
Register at Eventbrite or call 718-600-4850 to reserve your seat.
*Seating Limited! Pre-Registration is required
Sponsored by 65Fen
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