Hello and thank you for taking the time to read our request.
My husband and I live in Southwest Ohio in a very rural area. Our home is at the bottom of a hill with a top of a cliff to the west which holds farmland at the top and water run-off. At the road to our North is a natural culvert, to the South is a small creek and to the East is a nice sized creek that turns into a raging river after a heavy rain.
We have tried reaching out to the county, township and state for grants for rural development and specifically for raising our home. Unfortunately, everywhere we have turned, the grant funds have been empty since 2012 when I took ownership.
It was explained to me upon purchasing that I was far enough away from the creek to be safe and that the new bridge and dredging that had been have prevented any further floods. That was naive of me to believe and I soon found out that it’s not a matter of if it floods, rather when.
I do have Zone A flood insurance as it is mandatory, but we need to do more to mitigate the water and we would like to do it before the weather beats us to it.
We were trying to save ip for this to do it on our own. Unfortunately, we had a very expensive couple of years that wiped our savings and put us in pretty deep credit card debt. We don’t have any wiggle room at this point to refinance because our Homr Owner’s insurance doubled 6 months after signing a new policy, last year. There are no other agencies offering any better rates.
We have had to replace our well, our well pump, a skylight, had the roof repaired in 3 spots, had to replace all appliances due to age and electrical problems (which have been fixed), replaced the cast iron wood stove, fixed tucking on our chimney, added a new storm collar to our chimney as well as other repairs to the chimney and resurfaced our deck due to rot. Additionally, our home is a log home, so we have also had to strip, sand, stain and seal the home as it had never been done since 1989. Cost of home ownership, I understand, but all at once was unexpected.
This was all on the heels of high medical bills from Kidney Stones, Physical Therapy, and all of the testing I have had to have due to my Autoimmune condition, Lupus.
I do work remote, full-time, but my husband is a 4-time failed back patient. He is permanently disabled and on a fixed income. With rising inflation, medical bills, and insurance payments, things are starting to get really tight.
Last November we had paid off our credit cards and felt really good about things, since it was right in the heart of the holiday season. Two weeks before Christmas, our SUV broke down. $3000 to fix it. Ok, life happens we thought, we are in a good place. Then, a week later, our truck blew a piston and the truck was in the shop for a rebuilt motor. As we waited for the truck, our daughter, who has a little one and is trying to get on her feet and needs a car, had a waterpump, belts and radiator go out-so we helped her pay that repair bill, $1,000. We are now into January, my husband takes the car into town to run some errands and lost 4 quarts of oil. The PCV valve froze and caused the head gasket on the SUV to blow. Another $3000 repair. Now we aren’t so good anymore. And today, we still aren’t.
We need help with paying for the following:
*Raising our home on stilts
*Mitigating water away from the house
*Equipment to help keep the creek clear (excavator)
*Polebarn to protect the Excavator and other heavy equipment/assets
*Paved driveway so the floodwaters don’t take ours out anymore
*Credit Card debt
At the low end of our request, we are asking for $30,000 to pay off our credit card debt.
The middle-of-the-road request would be to pay off our home so we could fund the rest on our own a little at a time. $230,000.
The maximum request would be $500,000 to fund all the above.
We sure do appreciate you for considering and helping us in our plight. We hate asking and we have sure been trying to not have to ask. We know there are people in worse shape than us and if we find ourselves in a position to help them, we will. (Last year I hand crocheted hats and scarves for the men, women, and children in the North Carolina mountains who were still living in tents and I donated them to a local church). I wish we could have done more!
Our cash app is $beachhag
PayPal is: https://paypal.me/Floodplane