I would tear it down. You can renovate and then what happens next year when another hurricane hits. It's a waste of time and money to renovate. Hurricanes are here to stay
What are you saying? It's cheaper to build from scratch? Or, just not rebuild and leave the land undeveloped and leave? What is your alternative plan? When you say, "tear it down", what is your next step? Leave it vacant? Surely it would be more cost effective to repair, even if you repair it again. We're only talking drywall and appliances here and you'd never know anything happened. To rebuild by raising it would cost 4 or 5 times its structural value and the owner may not be able to do that. I assume if they could, they'd spend that $900,000 on a property somewhere else where they won't enjoy another imminent storm. Elevation won't help with wind, and reinforcement is again more costly and still not guaranteed. We only measure Cat 5 storms so only build with that in mind. That doesn't mean the equivalent of a Cat 7 won't hit. If I had that money, gambling it on Florida's coastline at any height would not be my first choice.
Fixing is SO MUCH cheaper than rebuilding. So tearing down is not a good financial move, especially if you're not sitting on $1MM cash to build a new building in that area. They won't let you build a 1200 sq ft home there... they want mcmansions.
I'm not talking about new, strong, elevated homes. For the rest, there is no "cautious" to it. "Beach Home" are bad words now. No one in their right mind would consider buying a home on the west coast of Florida, especially less than 10 miles from the water, unless money is of no value to them. These strong storms used to be infrequent. Not anymore. Repair if you have a home already, and work around FEMA's 50% stupid guidelines (we should vote to change that). Buy 5 sheets of drywall at a time, then lose some receipts. If you don't have property here, never is the time to buy. These powerful hurricanes are no longer the "exception". If you haven't been hit yet, consider your options before you do. Time may be on your side, or it may not be. I'm 60 miles from the ocean, experienced minor wind damage and will be exploring mine. 60 miles today, maybe 40 miles in the near future. I may have beachfront property if I stay here long enough and if my house is still here it will be for sale.
I don't get why you need a permit to hang drywall or anything you are capable of doing. Oh yes I do, it's bureaucracy. I've done drywall (easiest thing) myself and hung and entire kitchen full of new cabinets (with lighting underneath), dropped a double sink with a disposal with new countertops and installed a new window above that, and wired and put in an over-the-stove microwave after moving the stove. I also added some outlets, and even ran speaker wire behind the drywall with a panel and an outlet for a wall TV. I ran recessed lighting, added dimmers. Took out the plastic shower added subflooring and greenboard and installed 4" ceramic tile and a rain shower (2 weeks of hard work). As long as work is done to code (except elevation), you shouldn't need a permit. Those weren't even a thought in my houses, but I've sold two of them I also improved (to live there) and when I went to sell, when hearing soft music throughout the home, no one asked, "Who did the sound work?" or when they saw fancy lighting, "Who put those in"? I replaced a bedroom with double French doors for an office, and did the same with a slider going outside, but no one ever asked, "Who put those beautiful French doors in"? Or, "Beautiful ceramic shower, what's the contractors licenser number, name and address"? I understand things need to be done right, but I know who to do things right and if I don't, I ask someone else. You can nearly build an entire home by code in your state by watching UA-cam. No wonder insurance is expensive. Milton took out half of my carport roof. "Century Insurance" is covering it (or whatever amount they choose), but I can do it myself. I don't need to pay someone $7,000 (a real quote) to do something I can do with a friend for $2,500 (I helped him with his, he helps me with mine) . They (in my case, but haven't received one yet) send you a check, whether it covers the work or not, so some have no choice. I am not licensed, but worked in home improvement for years. If I need a light switch, I don't call an electrician. If I need a hose spigot, I don't call a plumber. If I need shingles replaced, I don't call a roofer, I go to Home Depot and get shingles. The point is insurance is high because of their own regulations. They replaced entire roofs when they only needed it patched. They require an electrician to put in a dryer outlet and it isn't simple for the typical homeowner, but I know how it's done into the electrical box and how many AMPS I have, and how many I need. No inspector or electrician could ever know an unlicensed person did that work; it's wires and screws just like they use. No, not everyone should do their own work unless they know how, but drywall? I mean, come on. Like it's structural or something; it's like hanging a picture. Even if you do it wrong, it only looks like shit, it's not going to collapse the house. You live there, who else should care? I heard it said that $900,000 wasn't bad for a 1900 sq ft home. Wow, you must shop somewhere I haven't been before. It's rather incredible that you can value a home for sale at $1 million, but to repair it at 15% of that means demolishing it and starting over. That's incredibly expensive, for me anyway., and unnecessary as if no damage had occurred, no changes would need to be made. The entire process is illogical and pushed onto us as "normal", when it isn't. You suffer a little cosmetic damage and all of a sudden it's going to cost you 3 times the home's value to repair it? That's crazy. Something's not right about that; taking homeowners discretion and rights away from their own properties. It it's well kept on the outside, it's no one's business what's inside (I mean that within acceptable parameters). I suppose home ownership isn't really that at all, if someone else makes your rules for you. Perhaps we're not voting for the right representatives and should consider the alternative candidates next time, because insurance companies can't do this on their own and invest heavily in campaigns for their own gain, and talk to you like their your friend and doing it for you. When you hear, "People shouldn't be able to....", you're hearing the wrong candidate, because they're talking about you and taking your income right out of your pockets and stealing your highest valued asset with it. Your $250,000 house should not be condemned to be destroyed because a work estimate goes over s subjective budget from and adjuster by $1,000; that's absurd. Maybe the adjuster had a bad night, fight with his wife, has a headache or his team lost yesterday. He might value the exact house differently on a different day and according to some information, that $1000 difference can cost you $900,000 more. When you are forced to do something to your home, or forced to have someone else do something to your home, do you really own it, or do you just pay to occupy the space? Having moved to Florida 28 years ago, living in different areas, I was in the search of the myth that it is "Paradise" here; It isn't. We have water, sand, palm trees and more water with stinking heat 10 months a year. Let's not overlook that 95 degrees feels like 107, not 95 and some days will take your breath away just walking out the door. There is no paradise here and it is no different than living anywhere else, except investing in real estate here is a gamble tied to politics and now the climate. Right now, you cannot depend on either one, so neither leaving here nor moving here is a good financial move. It is a gamble either way regarding it being an investment or not, but as sure as night is followed by day, we will experience more frequent and stronger storms that will flatten our western coastal communities and severely affect the nearest surrounding areas (like mine in Lakeland). When someone says a place has a new roof, new appliances, new A/C and it isn't a new home, you should question that. My undamaged main roof is 5 months old (hurricane resistant to 155 mph) and my carport isn't repaired yet, but once it is, someone might wonder why I have such new things in a newer remolded home that should not need it based on age. Thanks for the video, the precise numbers for the areas and specifics. Thanks also for the enormous amount of work it took to produce it.
Wow, that’s a really detailed comment with a lot of thoughts and experience shared! I can tell you’ve been involved in plenty of home improvement projects and have a strong understanding of how things work. You make some great points about the complexity of home repairs and the high costs involved, especially when it comes to insurance and building regulations. I agree with you that there’s a lot of bureaucracy at play in the construction and renovation world, and sometimes it can feel like the system is more about rules and paperwork than actual need. I also see your point about how homeowners should have more discretion to handle things themselves, especially when they have the skills and knowledge. But unfortunately, the reality is that the system is set up in a way that prioritizes safety and compliance, and that often means jumping through a lot of hoops, even when it seems unnecessary. As you said, when it comes to things like drywall or basic repairs, the chances of a major issue are probably low if the work is done carefully and correctly. But, of course, there are always edge cases where things go wrong, and that’s why the rules exist, even if they can feel a bit overbearing sometimes. I think there’s a real balance to be struck between homeowner autonomy and ensuring safety and quality standards. As for the cost of repairs and the insurance system, yeah, it can definitely feel like a broken system sometimes. The way home values and repair costs don’t seem to align, and how insurance companies operate, can be incredibly frustrating. You’re absolutely right that these issues often don’t get enough attention when it comes to the conversation around homeownership and property rights. Your point about Florida’s real estate market is spot-on, too. The climate, storms, and political landscape definitely make it a gamble for anyone buying or investing in property here. The constant need to upgrade, repair, and deal with the effects of storms means homeownership here is a constant cycle of risk management. Anyway, I really appreciate your thoughtful perspective, and I’m glad the video was useful to you! Thanks so much for taking the time to share your experiences and thoughts. You’ve definitely given me some good things to consider moving forward!
@@ChillWill-q5x I'm not sure about "a blessing"; I wouldn't refer to a hurricane that way unless insurance is picking up the bill. People should remodel when they want to or when they are able. I hope FEMA doesn't get involved and include those upgrades in their 50% rule. Just because new cabinets might be nice, doesn't mean you have to install them (not being specific to any house here). This home's remodel should not be considered at all in FEMA's determination, if at all. Storm damage maybe, but not just because it's outdated. I'd love to put this one back together and no one would know who did what, but it would pass all inspections and would be beautiful. Who said kitchens have to have cabinets anyway? I've seen some with just shelves, but I admit I don't recall where I saw that. Probably one of those ugly renovation shows...lol! I don't want anyone telling me what to do to my home, in my home, what to put in my car, or what to wear under my jeans. I don't see those things as too much to ask. When it starts to affect someone else, then we can talk about it. If you're paying for it, help yourself but choose tasteful colors please.
@@jonny4563 Amen, I would have that house back together pronto just me and my buddy. His family has a Co-op Cabana on Siesta right onto the beach, we remodeled that before but he said they had contractors doing it this time after the storm.
@@ChillWill-q5x Count me in! I started simple things, then renovated my 3 story house by myself; took 3 years (built in 1905). Started helping other people, then changed out an entire kitchen with a buddy. If I see you do something, guess what? I can do it too. I think the cabinets alone were $7,000 (including a tall boy), changed some electric to move a stove and put a microwave above it. Put in new counters, sink, disposal and new window above and an overhead light. The owners were snow birds and gone for 3 months, so we had lots of time and no company could do a better job than we did. Faster yes, better no. Oh, we changed out the pipes under the house with new PVC. We only charged $1700 for that (cramped space, not fun). We made about $4,000 each on the kitchen and the owner saved about 50% of what a local well-known company quoted them for the same job. Contractors are great - if you need one.
A flooded home is NEVER a good deal. High or no insurance in Florida means, when another flood comes you will lose your shirt. If you can afford a million-dollar home maybe that doesn't matter. Rich people don't get that way, or stay that way, by making bad purchases. Good luck
What are you even talking about man? Sounds like you're afraid of a $100K remodel. I've done numerous remodels of that size and there's nothing to it... it's not like it's you doing the work. You just have to stay on top of the contractors. How am I stabbing anybody behind their back? Your comment is unwarranted and without more specific information, can be disregarded by most. I did my due diligence! wtf
@@floridarealestatetv I'm a black woman not a man.. first of all.. and I don't give a fuck about what you're saying... it's my opinion and if you don't like it.. get your own..wtf
I would tear it down. You can renovate and then what happens next year when another hurricane hits. It's a waste of time and money to renovate. Hurricanes are here to stay
What are you saying? It's cheaper to build from scratch? Or, just not rebuild and leave the land undeveloped and leave? What is your alternative plan? When you say, "tear it down", what is your next step? Leave it vacant? Surely it would be more cost effective to repair, even if you repair it again. We're only talking drywall and appliances here and you'd never know anything happened. To rebuild by raising it would cost 4 or 5 times its structural value and the owner may not be able to do that. I assume if they could, they'd spend that $900,000 on a property somewhere else where they won't enjoy another imminent storm. Elevation won't help with wind, and reinforcement is again more costly and still not guaranteed. We only measure Cat 5 storms so only build with that in mind. That doesn't mean the equivalent of a Cat 7 won't hit. If I had that money, gambling it on Florida's coastline at any height would not be my first choice.
@@jonny4563 that property could park 10 RVs. Much wiser use of the land. 🙂
Fixing is SO MUCH cheaper than rebuilding. So tearing down is not a good financial move, especially if you're not sitting on $1MM cash to build a new building in that area. They won't let you build a 1200 sq ft home there... they want mcmansions.
zoning won't allow it
@@floridarealestatetv You mean greed and elite will not allow it.
With yet another potential major hurricane coming next week, I'd be very cautious purchasing a home anywhere near the gulf coast.
We're getting tired of these hurricanes....
I'm not talking about new, strong, elevated homes. For the rest, there is no "cautious" to it. "Beach Home" are bad words now. No one in their right mind would consider buying a home on the west coast of Florida, especially less than 10 miles from the water, unless money is of no value to them. These strong storms used to be infrequent. Not anymore. Repair if you have a home already, and work around FEMA's 50% stupid guidelines (we should vote to change that). Buy 5 sheets of drywall at a time, then lose some receipts. If you don't have property here, never is the time to buy. These powerful hurricanes are no longer the "exception". If you haven't been hit yet, consider your options before you do. Time may be on your side, or it may not be. I'm 60 miles from the ocean, experienced minor wind damage and will be exploring mine. 60 miles today, maybe 40 miles in the near future. I may have beachfront property if I stay here long enough and if my house is still here it will be for sale.
This is like Cryto scammed rinsed and repeated 😂😂😂
I don't get why you need a permit to hang drywall or anything you are capable of doing. Oh yes I do, it's bureaucracy. I've done drywall (easiest thing) myself and hung and entire kitchen full of new cabinets (with lighting underneath), dropped a double sink with a disposal with new countertops and installed a new window above that, and wired and put in an over-the-stove microwave after moving the stove. I also added some outlets, and even ran speaker wire behind the drywall with a panel and an outlet for a wall TV. I ran recessed lighting, added dimmers. Took out the plastic shower added subflooring and greenboard and installed 4" ceramic tile and a rain shower (2 weeks of hard work). As long as work is done to code (except elevation), you shouldn't need a permit. Those weren't even a thought in my houses, but I've sold two of them I also improved (to live there) and when I went to sell, when hearing soft music throughout the home, no one asked, "Who did the sound work?" or when they saw fancy lighting, "Who put those in"? I replaced a bedroom with double French doors for an office, and did the same with a slider going outside, but no one ever asked, "Who put those beautiful French doors in"? Or, "Beautiful ceramic shower, what's the contractors licenser number, name and address"? I understand things need to be done right, but I know who to do things right and if I don't, I ask someone else. You can nearly build an entire home by code in your state by watching UA-cam.
No wonder insurance is expensive. Milton took out half of my carport roof. "Century Insurance" is covering it (or whatever amount they choose), but I can do it myself. I don't need to pay someone $7,000 (a real quote) to do something I can do with a friend for $2,500 (I helped him with his, he helps me with mine) . They (in my case, but haven't received one yet) send you a check, whether it covers the work or not, so some have no choice. I am not licensed, but worked in home improvement for years. If I need a light switch, I don't call an electrician. If I need a hose spigot, I don't call a plumber. If I need shingles replaced, I don't call a roofer, I go to Home Depot and get shingles.
The point is insurance is high because of their own regulations. They replaced entire roofs when they only needed it patched. They require an electrician to put in a dryer outlet and it isn't simple for the typical homeowner, but I know how it's done into the electrical box and how many AMPS I have, and how many I need. No inspector or electrician could ever know an unlicensed person did that work; it's wires and screws just like they use. No, not everyone should do their own work unless they know how, but drywall? I mean, come on. Like it's structural or something; it's like hanging a picture. Even if you do it wrong, it only looks like shit, it's not going to collapse the house. You live there, who else should care?
I heard it said that $900,000 wasn't bad for a 1900 sq ft home. Wow, you must shop somewhere I haven't been before. It's rather incredible that you can value a home for sale at $1 million, but to repair it at 15% of that means demolishing it and starting over. That's incredibly expensive, for me anyway., and unnecessary as if no damage had occurred, no changes would need to be made. The entire process is illogical and pushed onto us as "normal", when it isn't. You suffer a little cosmetic damage and all of a sudden it's going to cost you 3 times the home's value to repair it? That's crazy. Something's not right about that; taking homeowners discretion and rights away from their own properties. It it's well kept on the outside, it's no one's business what's inside (I mean that within acceptable parameters).
I suppose home ownership isn't really that at all, if someone else makes your rules for you. Perhaps we're not voting for the right representatives and should consider the alternative candidates next time, because insurance companies can't do this on their own and invest heavily in campaigns for their own gain, and talk to you like their your friend and doing it for you. When you hear, "People shouldn't be able to....", you're hearing the wrong candidate, because they're talking about you and taking your income right out of your pockets and stealing your highest valued asset with it. Your $250,000 house should not be condemned to be destroyed because a work estimate goes over s subjective budget from and adjuster by $1,000; that's absurd. Maybe the adjuster had a bad night, fight with his wife, has a headache or his team lost yesterday. He might value the exact house differently on a different day and according to some information, that $1000 difference can cost you $900,000 more. When you are forced to do something to your home, or forced to have someone else do something to your home, do you really own it, or do you just pay to occupy the space?
Having moved to Florida 28 years ago, living in different areas, I was in the search of the myth that it is "Paradise" here; It isn't. We have water, sand, palm trees and more water with stinking heat 10 months a year. Let's not overlook that 95 degrees feels like 107, not 95 and some days will take your breath away just walking out the door. There is no paradise here and it is no different than living anywhere else, except investing in real estate here is a gamble tied to politics and now the climate. Right now, you cannot depend on either one, so neither leaving here nor moving here is a good financial move. It is a gamble either way regarding it being an investment or not, but as sure as night is followed by day, we will experience more frequent and stronger storms that will flatten our western coastal communities and severely affect the nearest surrounding areas (like mine in Lakeland). When someone says a place has a new roof, new appliances, new A/C and it isn't a new home, you should question that. My undamaged main roof is 5 months old (hurricane resistant to 155 mph) and my carport isn't repaired yet, but once it is, someone might wonder why I have such new things in a newer remolded home that should not need it based on age.
Thanks for the video, the precise numbers for the areas and specifics. Thanks also for the enormous amount of work it took to produce it.
TLDR
@@Suds. DCIWFYA
Wow, that’s a really detailed comment with a lot of thoughts and experience shared! I can tell you’ve been involved in plenty of home improvement projects and have a strong understanding of how things work. You make some great points about the complexity of home repairs and the high costs involved, especially when it comes to insurance and building regulations.
I agree with you that there’s a lot of bureaucracy at play in the construction and renovation world, and sometimes it can feel like the system is more about rules and paperwork than actual need. I also see your point about how homeowners should have more discretion to handle things themselves, especially when they have the skills and knowledge. But unfortunately, the reality is that the system is set up in a way that prioritizes safety and compliance, and that often means jumping through a lot of hoops, even when it seems unnecessary.
As you said, when it comes to things like drywall or basic repairs, the chances of a major issue are probably low if the work is done carefully and correctly. But, of course, there are always edge cases where things go wrong, and that’s why the rules exist, even if they can feel a bit overbearing sometimes. I think there’s a real balance to be struck between homeowner autonomy and ensuring safety and quality standards.
As for the cost of repairs and the insurance system, yeah, it can definitely feel like a broken system sometimes. The way home values and repair costs don’t seem to align, and how insurance companies operate, can be incredibly frustrating. You’re absolutely right that these issues often don’t get enough attention when it comes to the conversation around homeownership and property rights.
Your point about Florida’s real estate market is spot-on, too. The climate, storms, and political landscape definitely make it a gamble for anyone buying or investing in property here. The constant need to upgrade, repair, and deal with the effects of storms means homeownership here is a constant cycle of risk management.
Anyway, I really appreciate your thoughtful perspective, and I’m glad the video was useful to you! Thanks so much for taking the time to share your experiences and thoughts. You’ve definitely given me some good things to consider moving forward!
@@Suds.AMEN. UA-cam comment not manifesto
That last house hasn't been updated since the 60's. LOL
Yes that's true. A rare gem.
@@floridarealestatetv The storm was a blessing for that house, now it will get updated.
@@ChillWill-q5x I'm not sure about "a blessing"; I wouldn't refer to a hurricane that way unless insurance is picking up the bill. People should remodel when they want to or when they are able. I hope FEMA doesn't get involved and include those upgrades in their 50% rule. Just because new cabinets might be nice, doesn't mean you have to install them (not being specific to any house here). This home's remodel should not be considered at all in FEMA's determination, if at all. Storm damage maybe, but not just because it's outdated. I'd love to put this one back together and no one would know who did what, but it would pass all inspections and would be beautiful.
Who said kitchens have to have cabinets anyway? I've seen some with just shelves, but I admit I don't recall where I saw that. Probably one of those ugly renovation shows...lol! I don't want anyone telling me what to do to my home, in my home, what to put in my car, or what to wear under my jeans. I don't see those things as too much to ask. When it starts to affect someone else, then we can talk about it. If you're paying for it, help yourself but choose tasteful colors please.
@@jonny4563 Amen, I would have that house back together pronto just me and my buddy. His family has a Co-op Cabana on Siesta right onto the beach, we remodeled that before but he said they had contractors doing it this time after the storm.
@@ChillWill-q5x Count me in! I started simple things, then renovated my 3 story house by myself; took 3 years (built in 1905). Started helping other people, then changed out an entire kitchen with a buddy. If I see you do something, guess what? I can do it too. I think the cabinets alone were $7,000 (including a tall boy), changed some electric to move a stove and put a microwave above it. Put in new counters, sink, disposal and new window above and an overhead light. The owners were snow birds and gone for 3 months, so we had lots of time and no company could do a better job than we did. Faster yes, better no. Oh, we changed out the pipes under the house with new PVC. We only charged $1700 for that (cramped space, not fun). We made about $4,000 each on the kitchen and the owner saved about 50% of what a local well-known company quoted them for the same job. Contractors are great - if you need one.
A flooded home is NEVER a good deal. High or no insurance in Florida means, when another flood comes you will lose your shirt. If you can afford a million-dollar home maybe that doesn't matter. Rich people don't get that way, or stay that way, by making bad purchases. Good luck
Many people got rich by buying and holding these homes. They were 500K just 5 years ago and now it's hard to find any under 1mm
They will be lucky if they can give these houses away for free.
You're a scam artist at its finest.. smiling in our face and stabbing us behind our backs.. people please please do your due diligence..wtf
What are you even talking about man? Sounds like you're afraid of a $100K remodel. I've done numerous remodels of that size and there's nothing to it... it's not like it's you doing the work. You just have to stay on top of the contractors. How am I stabbing anybody behind their back? Your comment is unwarranted and without more specific information, can be disregarded by most. I did my due diligence! wtf
@@floridarealestatetv I'm a black woman not a man.. first of all.. and I don't give a fuck about what you're saying... it's my opinion and if you don't like it.. get your own..wtf