News Summary
Following Tropical Storm Helene, homeowners in Buncombe County are dealing with severe challenges including denials from insurance and FEMA. The storm caused over 300 landslides, resulting in 16 fatalities. Many residents struggle for assistance amid gaps in insurance coverage, leaving them uncertain about their recovery. While some seek support through emergency management programs, the process remains fraught with bureaucratic obstacles. Governor Josh Stein has requested extended deadlines for applications as many homeowners await aid, deepening their plight.
Homeowners in Buncombe County Face Uphill Battle After Tropical Storm Helene
The aftermath of Tropical Storm Helene has left homeowners in Buncombe County grappling with a mountain of challenges. The storm wreaked havoc, leading to over 300 landslides, some tragically fatal, and creating obstacles for those seeking relief and recovery. As affected residents navigate the murky waters of insurance claims and federal assistance, many are feeling the burden more than ever.
Destructive Impact of the Storm
Tropical Storm Helene unleashed devastating landslides, resulting in the tragic loss of 16 lives in nearby Fairview. As the storm passed, residents were left to pick up the pieces while battling their own personal disasters. Homes were significantly damaged, with reports of water intrusion and loss of roof shingles now commonplace in conversations among affected homeowners.
The Struggle for Assistance
One such homeowner, Simone Seitz, experienced serious damage to her property. After reaching out to both her homeowner’s insurance company and FEMA for help, she found herself in the friction of denials. State Farm claimed there was no direct physical loss to her roof, while FEMA indicated that her home was “safe to live in,” which wasn’t the kind of answer she was hoping for.
Experts like Dr. David C. Marlett from Appalachian State University explain that many homeowners face similar denials. This is largely attributed to gaps in standard insurance coverage, which frequently exclude critical risks like landslides and flooding. Shockingly, less than 3% of homeowners in North Carolina have flood insurance, making them especially vulnerable in the wake of such storms.
Data and Assistance Resources
According to the USGS, over 2,000 landslides were documented during the storm, yet detailed information about the specific impact on homes remains sparse. The North Carolina Geological Survey has identified approximately 250 properties affected within the region. This lack of comprehensive data underlines the difficulties homeowners face in chasing down assistance.
The North Carolina Department of Insurance has suggested mediation for homeowners receiving denials. Meanwhile, frustration is mounting for those like Seitz who find themselves caught up in a convoluted web of bureaucracy, with communication from relevant agencies being less than transparent.
The Search for Help
To make matters worse, some area non-profits have not been able to provide the expected aid, citing disqualifications. Despite the promise of FEMA disaster assistance, which includes funds for home repairs and temporary housing, the reality has been a struggle for many. Seitz, now feeling the urgent need for repairs, even had to hire a drainage crew to address immediate concerns after facing another denial.
The Next Steps
For those affected, applying to the North Carolina Disaster Case Management program is a prudent move. Over 3,241 households have already sought help through this program, which is currently supported by a team of 77 full-time case managers. However, many are still waiting for responses, leaving them in a state of uncertainty.
In a bid to make things easier for disaster survivors, Governor Josh Stein has requested a 30-day extension for individuals to submit applications for FEMA’s assistance. The new deadline is now set for April 7, 2025. Importantly, homeowners whose losses are uninsured might still qualify for additional FEMA help.
Filing Claims and Appeals
Victims of Tropical Storm Helene are encouraged to apply for disaster assistance through various means, including Disaster Recovery Centers, the FEMA hotline, or online portals. It’s important to note that homeowners should file their insurance claims before applying for FEMA assistance, and they don’t need to wait for an insurance settlement to take action.
If a claim for assistance is denied, individuals have the option to appeal the decision. Access to resources from the North Carolina Disaster Case Management Program is also available for ongoing recovery aid. As the ripple effects of Tropical Storm Helene continue to unfold, the path to recovery is proving to be as challenging as it is essential for many residents in Buncombe County.
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HERE Resources
Additional Resources
- Our Local Community Online
- WLOS News
- NC Newsline
- WHKY News
- WCNC
- Wikipedia: Federal Emergency Management Agency
- Google Search: Disaster Case Management North Carolina
- Google Scholar: Hurricane Helene impact on homeowners
- Encyclopedia Britannica: Hurricane
- Google News: Tropical Storm Helene
