After months of daily dealing with so many business personnel completely unconcerned with your family & home situation and crazy upheaval to your 'regular lifestyle'; it can be so frustrating that you may be tempted to walk away from it all and leave it to anyone else to figure out - 'Throwing in the towel', as they say. Many tears may be shed, many times on your knees, many times of confusion...but having the Lord on your side is how you overcome these temptations and the only way we'd every want to go through life's trials.
There hath no temptation taken you but such as is common to man: but God is faithful, who will not suffer you to be tempted above that ye are able; but will with the temptation also make a way to escape, that ye may be able to bear it. 1 Corinthians 10:13
(Thank you Lord for your direction and answering our prayers!)
The process is L.E.N.G.T.H.Y, requires nearly daily calls and regular submissions to any of the entities that have become a part of the accident and they will fight tooth and nail to hold on to every penny that you've paid for years to have available. For example, it took over a month to finally receive the funds for the tree service company whose job was completed the day the tree fell. The owner, of said company, was also required to complete three different documents, to prove he is a 'real business' licensed with the IRS, to confirm the receipt we had already submitted, and a document confirming he would not put a lien against the property as a part of this process. This isn't abnormal, but a completely new process we learned through trial and error - and the bank's errors- that delayed things further. Although the funds were released from the insurance company, Mom needed to submit written requests and all of the documentation and clarify amongst the insurance paperwork, and the business paperwork, which applied and how it should be dispersed - then wait for approval.... As well as all of the submitted request for the funds our insurance company paid, which have to be signed and over-nighted (EXPENSIVE) or two-day'd (STILL EXPENSIVE) to the mortgage company. (No, our insurance company will not reimburse our postage.) Once they receive it, they actually take 3 full business days to 'receive' it and then they 'review it', which can take up to 5 additional business days.
Satan tempts us to bring out the worst in us, but God tests us to bring out the best in us. Cooper Abrams
As homes have a significant value, especially if they are on or near water, one regulatory way of minimizing acquisition costs is to reclassify the areas as 'flood zones' - and within that varying degrees of potential flooding- (even in our case when the flood waters have never come close to our property) to drop the value and make it easier to acquire it all at a significantly reduced rate. Further red tape must be worked through if anyone in this new flood zone would like to add to, repair or enhance their current home. If damage to a home exceeds 50% of it's value (as in our case), all of the work - whether rebuild or replace- will need to meet the new, more rigid, regulations. There are new Base Flood Elevation levels that are now being assessed by a higher water level determined in 1988 (with a greater location variable - NAVD88) rather than the previous standard established in 1929. This requires a survey to be done and in our county, a list of 20 some specifics to be addressed within it. Once the survey is done, the county will require hundreds of dollars in 'Review' fees and Inspection fees that will be required on top of the county's permit and inspection fees. We've not been able to get a permit for demolition, although we were told by one county agent that it would be approved, then when we applied, we were denied.
That the trial of your faith, being much more precious than of gold that perisheth, though it be tried with fire, might be found unto praise and honour and glory at the appearing of Jesus Christ: 1 Peter 1:7
Who changed the truth of God into a lie, and worshipped and served the creature more than the Creator, who is blessed for ever. Amen. Romans 1:25
We wholeheartedly encourage you to look up and listen to this powerful song:
In Christ alone, my hope is found...
He is my light, my strength, my song;
this Cornerstone, this solid Ground,
firm through the fiercest drought and storm.
What heights of love, what depths of peace,
when fears are stilled, when strivings cease!
My Comforter, my All in All,
here in the love of Christ I stand.