The request was titled "How You Can Help,"
This is how:
the flood of 1992
or the flood of 1998
or the flood of 2011
If you replace all the furniture in 2011, how long before the next flood ruins the 2011 furniture? Flood insurance that is back stopped by the state or federal government has the tendency to encourage building where reasonable people fear to tread. If the government or private insurance refuses to write an insurance policy for flood damage that means they are reasonably certain you will be collecting on that policy and they will lose money. They have made the sensible decision to not encourage (with insurance underwriting) the private homeowner or the private business to build in or use space that will inevitably flood. To write policies where flooding is predictable is to subsidize private folly. One of the more well-known subsidized follies has been on the beaches of North Carolina and the Outer Banks.
I am assuming that you were unable to obtain flood insurance. You are asking your patrons to "bail you out." I cannot do that. I only went into the basement to use the bathroom and now you have a bathroom upstairs. This might seem to be a cruel suggestion but I think it is a sincere one: Don't rebuild the basement. Until you or the building owner or the town or the state has a plan to prevent flooding from destroying property, the sensible course of action is get out of the way of Mother Nature. She owns your basement.
Sorry.
Carl Lobel
Warren
(A Savoy patron pretty much from day one.)
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