Here I am 2 1/2 weeks later, set up in my original home, situation normal, except for the top down construction site look to the whole first floor?
Guitars are good to go, inventory is being re-stocked, printers are on order (they all got whacked except for one HP1320 that somehow survived the Great Flood of Sandy Cheeks SuperstormPants, orders are being fulfilled in a timely manner finally, and so on. There are a few minor details to be figured, but for the most part, I am good to go. Now, it’s time for an explanation of what actually happened during the storm and the resultant tidal surge:
I wish to make it clear:
I live on the waters that are connected to the Great South Bay of Long Island. I have a tidal pond in my back yard that is connected to a tributary fed by Awixa River on my East and Penataquit Creek on my West. These both run into the Bay, 1000 feet or so South of my home’s position.
My water table is less than 2′ below the surface of my average ground height. I dry fill holes for footings when I build structures here, to give you an idea.
The vast majority of water that came into the main home, came from the ground or water table rising. Once the power failed, my pumps were obviously not working. That was it. Very little came into my home as a result of rushing water.
OK, now the actual damage and efforts to save everything….
There was damage to certain guitars, many that I owned, some consigned. The tally is 33 guitars with irrecoverable damage. They will be taken off the site, first chance I have to update properly.
Very important is that I tried everything possible to save everything. Everything was taken out of my studio at a height of 4′ or higher. I had tables in my main floor, which is another 4′ above sea level. I stacked guitars on them, well away from the possibility of water damage. Those tables were another 3′ above that, so 7′ of elevation! Good enough, right?
How about, NO! Tables floated and flipped during the Monday night of the flooding. I couldn’t get back into the house until the next late morning, and mind you all, I had to wade thru knee-high waters to get to my house. The damage to my home was immediately apparent. The studio was hosed, the workshop worse. All my tables floated and flipped everything to the middle of the floors, where they floated for at least 18 hours. Workshop, studio/gallery/Dining Room/Living Room.
A further note is that Monday morning, when I noticed water bubbling up from my workshop floor, I knew there was real trouble brewing. The tidal surge was coming in fast and furious. By about 1PM on Monday, after moving stuff upstairs to my 2nd floor, or at least in the process of doing so, given how bad I thought it might become, I saw a neighbors outdoor furniture floating UP the street at an alarming rate of speed. My Nissan Rogue’s tires were half submerged. We had to go at that moment, otherwise we could have been on the roof of my 2 story home overnight. Not fun, not happening, we had to leave.
Again, bear in mind that I had over 250 instruments that I tried to get upstairs. Those left behind on the first floor were ALL up on tables, off the floors, etc. They tumbled into the water as the levels rose. The point is….I tried and I did so with as much speed and efficiency as I could manage. Somewhat so, to no avail, as I subsequently learned. I honestly thought we were good to go, though I would have preferred to get everything upstairs to the 2nd floor. I was floored by the damage and the height of the rising water. In my 18 years here, through various storms and converging tides and full moons, I’ve never seen anything like this.
So let me state this clearly….
All damage is covered for full retail value given my business insurance coverage and full flood riders put on the policy.
The paperwork is all filed, at least preliminary reports, where I am close to a final determination of the scope of the damage. Once finals are filed with my insurance people, settlement should come somewhat quickly, I hope. I had a smallish claim last year and my people were very good about settling it and quickly, within 2 weeks.
Of course, the scope of this latest debacle is much larger and complex. It will take time and patience, but I personally guarantee everyone’s value for their property to within 10% of retail value. I will explain further below.
A bit of perspective on the scope of the damage, to my home, personal property and to the business:
– My first floor, from the garage/workshop, studio/gallery, kitchen, living room, dining room, baths, closets and pantry had to be dismantled, including walls, insulation in the walls and crawl space underneath, moldings (which were extensive), floors, and electric. The amount of debris from this alone was enormous.
– All appliances except my microwave (which was well above the stove) are gone, including outside freezer, washer dryer, oil burner for heat and hot water heater. I just had a fridge delivered. Nice to have ice and water and freakin’ half and half for my coffee!
– All of my power tools and many of my hand tools were destroyed. From framing and finish guns, staplers, drills, jigs, routers, hammer drills, dremels, you name it…gone.
– Almost of all my accessories are destroyed, from various strings, tuning machines, tuners, humidifiers, again, you name it, it got its butt kicked.
– Printers, paper, lots of paper and all kinds, all my furniture from the studio to the living room, destroyed. Watching this stuff go into the maw of the garbage trucks and disposal units in my driveway really drove the disaster home for me.
– All kitchen stuff is destroyed. Books, heck you name it. If you generally keep something on your first floor of your home, well I do as well. It is destroyed. I can’t write about this anymore……
OK, so on to the other stuff I need to talk about..
Basically, the insurance company is buying all my guitars, equipment, tools, and accessories that were lost or damaged in the flood. I was insured for full business value, meaning retail price of everything, including guitars and accessories. As an example, the Randy Angella I had here was damaged. I had her On Sale for $4995. That value should be covered by the insurance company. They might, and I reiterate, might negotiate, much like a client would if they were buying it, at a value of $4500 or somewhere within 10% of asking price. So, if they offer me $4500 for it, I’ll likely agree and move on the next instrument. They might not negotiate? I don’t honestly know, as I’ve never had to do this before. But, for argument’s sake, let’s say they do. We’ll basically look at it as if I sold the guitar for $4500. The guitar will then be salvaged by the insurance company or affiliated firm, and taken possession of to do with as they please. I will not have the guitar.
Funds will be disbursed to my clients based on said value, minus our normal agreement of consignment. There won’t be any additional expenses, such as credit card processing or shipping. The client, who owns the Angella, will received 80% of the value I receive for the guitar (20% consignment rate).
I will be sending a letter or email to all of my clients that have guitars consigned with me, private sellers and luthiers alike, detailing the above. I will do this in the next few days, once I speak to my insurance adjusters and company, getting further details on the whole process and their payout numbers.
Additionally, here is what I am doing to prevent this from ever happening again.
1. I am moving North to a temporary 3 BR Townhouse with a full basement, where I will live and operate my business. This will be in mid to end of December of this year. Papers are already moving forward in this direction. I am well away from the water.
2. I am then moving farther North to Fort Salonga, sometime next year, mid-summer, where my elevations will be 40-60′ above sea level. Heavily wooded, protected from wind and storm damage, we would have to have a planetary ending event to flood my new base of operations. So you’re aware, I’d been looking for a home in this area for over 2 months already, well before this latest storm.
3. Insurance will be more than adequate, covering my business and all of my clients for any and all eventualities, fire, theft, earthquake, flood, the foot of God stomping on me, etc. No worries now and certainly none moving forward.
4. Security measures will be taken in full, including full-time surveillance, video, and full-time staff on hand, home and business wise.
This is not my final say on any of this, as I’m sure there will be updates going forward. I will say that I am deeply sorry for any consternation or distress that I caused any one doing business with me. I take solace in the fact that I prepared for this, did everything I could to save everything, and that I insured the crap out of my self and the business. Know that I will be working very hard and have been, on recovering full monetary value for everything and for anyone that honored me by doing business with me. I’ve always taken this seriously, and never more so than now.
Everything has been inspected. The listed inventory on my site was never near the water. There is no humidity worries, or otherwise. They are situation normal. Looking around my property, especially after the clean up I just finished outside on Thursday, you would swear that nothing happened. 50 large bags of debris are on my curb. It was literally as if the Bay deposited everything into my backyard!
It is safe to send me further inventory, as Dan and I, among other good friends and family have helped me recover. I am most grateful to everyone, clients and friends/family that have displayed immeasurable patience and kindness to me and my family in this most difficult time. Thank you. Richard F. Sayage November 15 ,2012
*Updates had to do with listing some damage, some grammatical errors, etc. It was cold (it still is cold in here) when I typed it yesterday. 🙂