Posted On: June 12, 2005, 9:13 am CDT

Posted By: Still Homelss in Maryland

2 billion, I suppose the Replacement Value Policy I was sold, and paid a boosted premium for, State that it would completely replace my home were it destroyed by flood. Instead I received $57, 000.00. It will cost 100 per sq foot to rebuild totaling $180,000.00. Do that math and tell me where I misunderstood my insurance agent. Tell me again how I did not know my policy.

While a good deal of the investigations and FEMA task force gathering was going on I lived on a boat, we were frozen into the river as it was the coldest winter in this area in a long time. We were not even offered a FEMA trailer. And when I begged for rent help we were denied, not our right, but denied by silence.

I cornered FEMA at a "Help Fair", after humiliating them into it we finally did get a FEMA trailer. March over a year ago.

We still had not received our insurance settlement by then. Had not come to terms with the SBA, who I might note are absent from this settlement, even though they too low ball the low interest loans. Could not begin to rebuild, and were and still are repeatedly told how lucky we are. Did you know FEMA comes every month to do a Bed check, to insure you���¢�¢â�š�¬�¢â�ž�¢re still using the trailer? Making sure your not too rich that you stay with a relative, or god forbid you might get an apartment and you would be defrauding them!

I have been told so many lies, starting with the first responders, carrying through Anne Arundel County building officials, that we are left most times alone, in the dark. We were defrauded by not only FEMA and our insurance Company All State. But also the SBA, ���¢�¢â�š�¬��â��We will help you with low interest loans.���¢�¢â�š�¬���� Small print, until your insurance money comes in to repay us. Anne Arundel County, ���¢�¢â�š�¬��â��We will help you get through the rebuild process with access to AA county codes experts, building inspection exceptions, and faster plan approvals���¢�¢â�š�¬���� Small Print: We will do this as long as YOU are completely versed in ALL AA County codes, until then we will make your life miserable, slow the process and constantly threaten you with fines. And after you get through all of that, we will send inspectors to harass you for not being an AA county preferred builder, change your plans, change our minds, and then fine you again for not being able to read our minds.

I am not asking to be made rich, I am asking for my dignity back. My home back, my life, you see after all this, while in the FEMA trailer, I was told I have a rare lung disease usually brought on by molds and I will die in less than five years. We pray the doctors are wrong, but the diagnosis hasn���¢�¢â�š�¬�¢â�ž�¢t changed.

My husband is rebuilding the house alone. I am sure that was in my policy.