Jennifer31
Junior Member
What is the name of your state? Louisiana
Four years ago I began purchasing a home through an individual home owner (not a real-estate company). The home is a 2 story 3 bedroom 2 bath brick home located on a lake. It was ideal for my family since we all enjoy the water and boating. When we initially looked at the home the house seemed to be in good shape. The only thing that was strange is that there was no carpet downstairs at which time the owner told me that he was leaving the carpet up to the purchaser. I had also asked him if the property was in a flood zone. He told me that he did not know of the lake ever flooding, but he did recall people talking of a flood over 20 years ago. We thought we were getting a great deal on the home and decided to go ahead and finalize a deal. In the contract the owner of the house wished to keep insurance ie. flood and fire in their name and my husband and I pay the yearly premium. I had asked him why he kept flood insurance on the house and he told me that he was required to do so being a homeowner in this Parish. He told me, should we ever have to make a claim on the insurance that he would take care of the house. Well**************.since we have lived here we have flooded several times. The first time it happened I called the Seller to inform him of the flood and that I had lost all my furniture and the floor was wilted. He told me that he would contact the insurance company and have them come out. He told me to not let the insurance company know that I was the payee on the policy. Well the gentleman that came to access the damages pulled some of the floor up just to find that there was rotten wood underneath the wood that was buckling due to water damage. He said that whoever was here before us just laid good wood over bad wood. Next all the floor joyces that stabilize the floor are rotten as well. Further**************.behind the fresh paint on all the walls was rotted walls where flood waters had deterioted the material. The paint was a huge cover-up. Also, the air conditioner was excreting a major level of condensation causing a terrible mold problem in the AC ducts which we have paid for out of our pocket to fix. The brick wall downstairs which contains the fireplace has cracked completely down the center. Also the upstairs bathroom floor recently fell through. When we looked and noticed there is a terrible temite problem. After he got the insurance money the first time around he dropped off 20 sheets 3/4 inch plywood in the driveway. We informed him that we did not know how to put in a floor nor for that matter floor joyces. We are moving out of this house**************...I want to break the contract. Where would I stand legally if I sued the Seller and further would I be entitled to get any of the $30,000 that I have already paid into buying the home? Thank you so much for any advice.
Jennifer
Four years ago I began purchasing a home through an individual home owner (not a real-estate company). The home is a 2 story 3 bedroom 2 bath brick home located on a lake. It was ideal for my family since we all enjoy the water and boating. When we initially looked at the home the house seemed to be in good shape. The only thing that was strange is that there was no carpet downstairs at which time the owner told me that he was leaving the carpet up to the purchaser. I had also asked him if the property was in a flood zone. He told me that he did not know of the lake ever flooding, but he did recall people talking of a flood over 20 years ago. We thought we were getting a great deal on the home and decided to go ahead and finalize a deal. In the contract the owner of the house wished to keep insurance ie. flood and fire in their name and my husband and I pay the yearly premium. I had asked him why he kept flood insurance on the house and he told me that he was required to do so being a homeowner in this Parish. He told me, should we ever have to make a claim on the insurance that he would take care of the house. Well**************.since we have lived here we have flooded several times. The first time it happened I called the Seller to inform him of the flood and that I had lost all my furniture and the floor was wilted. He told me that he would contact the insurance company and have them come out. He told me to not let the insurance company know that I was the payee on the policy. Well the gentleman that came to access the damages pulled some of the floor up just to find that there was rotten wood underneath the wood that was buckling due to water damage. He said that whoever was here before us just laid good wood over bad wood. Next all the floor joyces that stabilize the floor are rotten as well. Further**************.behind the fresh paint on all the walls was rotted walls where flood waters had deterioted the material. The paint was a huge cover-up. Also, the air conditioner was excreting a major level of condensation causing a terrible mold problem in the AC ducts which we have paid for out of our pocket to fix. The brick wall downstairs which contains the fireplace has cracked completely down the center. Also the upstairs bathroom floor recently fell through. When we looked and noticed there is a terrible temite problem. After he got the insurance money the first time around he dropped off 20 sheets 3/4 inch plywood in the driveway. We informed him that we did not know how to put in a floor nor for that matter floor joyces. We are moving out of this house**************...I want to break the contract. Where would I stand legally if I sued the Seller and further would I be entitled to get any of the $30,000 that I have already paid into buying the home? Thank you so much for any advice.
Jennifer