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From YouTube: Biloxi City Council Workshop Sept 14, 2021
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B
A
A
And
this
time
I
don't,
I
don't
think
I
have
a.
A
I
guess
we
go
through
a
regular,
routine
right,
open
the
meeting
and
all
okay
all
right
this
time,
I'll
entertain
a
motion
to
accept
the
agenda
for
this
workshop.
A
All
right,
thank
you.
Any
discussion,
all
in
favor,
okay,
you
may
want
to
make
a
note
that
mr
lawrence
and
mr
barron
are
out
of
the
room.
Here's
mr
lawrence
right
on
time,
all
right.
That
brings
us
to
the
presentation
agenda,
the
mayor's
report,
good.
There
is
none
the
no
departmental
reports,
any
council
reports,
we'll
start
with
mr
glavin.
A
D
A
A
F
F
This
change,
if
approved,
would
require
that
any
new
structure
addition
or
substantial
improvement
to
be
located
in
the
flood
zone
would
be
elevated
two
feet
above
base
flood
elevation
instead
of
the
one
that's
required
now
now.
The
reason
for
this
request
is
to
ensure
that,
with
the
changes
that
are
coming
to
the
national
flood
insurance
program,
that
will
become
effective
october,
the
first
that
we
maintain
the
25
discount
that
homeowners
are
currently
receiving
on
their
flood
insurance
policies.
F
In
the
back
of
the
room,
I've
got
rick
stickler,
who
is
our
floodplain
manager,
and
I
have
kristin
greger,
who
is
our
crs
coordinator
and
if
you'll
bear
with
me
until
the
end
of
the
presentation,
I'm
going
to
bring
them
up.
They've
actually
participated
in
the
training
sessions
that
went
on
with
mema,
covering
this
information.
F
Try
not
to
bore
you
with
it,
but
I
think
it's
important
for
you
to
know
how
how
we're
operating
now
with
regard
to
these
programs,
so
that
when
I
get
to
the
section
about
the
changes,
you'll
see
what
it,
what
a
difference
it's
gonna
make
and
then
we'll
be
happy
at
the
end.
F
Remember
that
they're,
the
federal
agency
that
provides
flood
insurance
for
homeowners
and
their
organization.
Their
agency
is
driven
by
the
insurance
industry
and
their
their
primary
purpose
is
to
look
for
ways
to
reduce
damage
and
reduce
loss
in
the
event
that
we
we
have
an
event
in
the
event
that
we
have
a
flood
or
a
storm
that
comes
through
the
national
flood
insurance
program,
subsidizes
part
of
the
premium
for
property
owners.
F
Now
the
standard
policy,
the
standard
policy
for
a
flood
policy
is
two
thousand
dollars
a
year,
but
because
of
our
participation
in
crs
and
the
discounts
we're
able
to
get,
then
most
people
will
pay
somewhere
between
four
and
seven
hundred
dollars
and
I'm
going
to
go
over
that
a
little
bit
more
in
just
a
minute.
But
this
program
has
continually
lost
money
since
its
creation
in
1968,
I
put
in
your
packet
there,
the
the
amount
of
money
that
has
been
lost
and
how
they
are
currently
20
billion
dollars
in
debt.
F
So
they
are
currently
seeking
ways
to
cut
losses.
This
is
what
they
do,
and
since
hurricane
katrina,
many
of
the
people
who
have
rebuilt
have
actually
built
in
compliance
with
the
ordinance.
So
the
discounts
are
increasing.
These
people
are
getting
increasing
discounts,
which
means
that
less
money
is
going
back
into
the
national
flood
insurance
program.
F
That's
the
nfip
currently
under
the
crs
program,
and
let
me
just
remind
you
that
the
crs
program
is
actually
a
voluntary
program,
we're
not
required
to
participate
in
any.
We
choose
to
participate
in
it
and
we
as
part
of
our
participation.
We
agree
to
perform
certain
activities
that
are
designed
to
reduce
risk
risk
of
damage.
During
an
event
now
the
city
is
required
to
adopt
the
fema
model.
Ordinance
fema
puts
together
a
model
ordinance
that
they
have.
F
That
is
considered
a
minimum
requirement,
it's
kind
of
like
the
building
code,
where
we
are
required
to
adopt
that
model
ordinance
and
as
part
of
participation
in
crs.
There
is
only
one
requirement:
only
one
activity
that's
required,
and
that
is
that
we
require
and
maintain
elevation
certificates
anything
over
and
above.
That
is
something
that
we
take
on,
because
we're
trying
to
achieve
points
to
increase
those
discounts
for
homeowners,
the
city,
a
city
or
county,
is
given
a
one
to
ten
rating.
F
Based
on
the
total
number
of
points
that
we
earn
from
taking
on
these
activities,
now
we
can
choose
to
take
on
additional
activities,
and
the
manual
is
about
this
thick
full
of
activities
that
we
can
voluntarily
take
on
to
try
and
increase
those
discounts
for
people,
and
I
have
a
list
of
those
activities
if
you'd
like
I'll,
be
happy
to
provide
you
with
a
copy,
so
that's
nfip
and
crs.
So
now
we
get
to
the
flood
damage
prevention,
ordinance
again
we're
required
to
adopt
the
basic
model
ordinance.
The
ordinance
is
considered
minimal
standards.
F
F
The
the
current
flood
zones
that
we
deal
with
are
the
ae
zone
and
that's
the
zone
where
you're,
basically
just
dealing
with
rising
and
falling
water,
there's
no
current
behind
it,
but
we
also
have
two
other
zones:
the
coastal,
a
zone
and
the
velocity
zone,
and
those
are
the
zones
where,
when
you
have
rising
water,
you
have
current,
that's
pushing
it.
We
often
refer
to
the
coastal
azone
as
the
junior
velocity
zone,
because
the
the
wave
action
is
not,
as
is
a
testy.
F
F
Now
many
of
the
existing
buildings
that
we
have
in
the
city
are
grandfathered
in
and
what
that
means
is
that
they
were
built
in
compliance
with
the
flood
ordinance
and
the
elevations
that
were
in
place
at
the
time
that
they
were
built.
So
if
the
ordinance
changes,
these
structures
are
grandfathered
in
under
their
previous
ordinance
and
therefore
they're
getting
what's
called
an
artificially
low
rate
or
the
preferred
rate
under
the
crs
rating
scale,
again
you're,
either
rated
at
a
1
through
a
10
1
being
the
best
10
being
the
worst
or
the
entry
level.
F
The
total
points
earned
determines
our
rating
each
rating
each
grade
that
we
improve
below
a
10
provides
property
owners
that
have
a
flood
insurance,
poly
policy
with
an
additional
five
percent.
So
every
time
we
come
down
a
grade,
that's
another
five
percent
discount
they
get
and
because
we're
a
five
right
now.
That's
why
the
people
that
are
inside
the
flood
zone,
who
have
a
policy,
are
getting
a
25
discount.
F
Now
people
who
are
outside
the
flood
zone,
who
have
a
policy,
are
currently
getting
a
10
discount.
So
we
not
only
work
hard
to
maintain
our
existing
rating,
our
five
rating,
which
again
is
the
best
in
the
state,
but
we're
also
continuing
to
look
for
other
activities.
That'll
improve
our
rating
even
more,
because
crs
involves
other
departments.
F
It's
not
just
a
community
development
function,
but
because
we
have
to
rely
on
engineering
and
public
works
to
provide
us
with
other
data
like
ditch
cleaning
documents
and
those
kind
of
things,
then,
where
we
can
only
take
on
certain
activities
that
we
have
the
staff
to
accomplish
on
our
current
maps,
the
digital
maps
show
the
base
flood
elevation.
F
It
also
shows
the
the
topo,
so
we
can
usually
give
people
basic
information
and
let
them
know
you
know
what
the
bfe
is
for
their
property,
but
because
their
topo
is
so
high.
We
can
usually
tell
them
about
how
high
they're
going
to
have
to
build
above
the
ground,
but
that's
still
not
a
substitute
for
an
elevation
certificate.
F
The
elevation
above
ground
level
is
determined
by
the
topo
level
now
in
the
a
zone
in
the
a
flood
zone
that
we
mentioned
it,
it
is
involves
around
the
finished
floor
of
the
structure
that's
being
built.
Your
finished
floor
has
to
be
built
to
one
foot
above
bfe,
but
in
the
coastal
a
or
the
velocity
zone
you
go
to
the
bottom
of
the
horizontal
of
the
lowest
horizontal
member
or
to
the
like
the
bottom
of
the
floor,
joist
because
of
that
wave
action
through
there,
you
don't
want
any
any
obstruction.
F
They
have
to
be
developed
by
a
or
filled
out
by
a
professional
engineer
or
a
land
surveyor
and
the
raids
require
that
we
must
in
our
department
we
have
to
require
and
maintain
elevation
certificates
as
a
database
for
future
future
reference,
and
the
thinking
is
behind.
That
is
it
as
we
require
these
elevation
certificates
and
we
put
them
into
our
database
that
if
that
property
sales
down
the
road
and
the
new
property
owner
comes
in
and
wants
to
know,
we've
already
got
that
information.
F
That's
the
way
that
the
pro
the
the
programs
work
now
so
now
we're
getting
into
risk
2.0,
and
that's
I'm
going
to
go
over
the
changes
that
are
that
are
coming
about
that
will
go
into
effect
october.
F
The
1st,
as
I
told
you
at
the
last
meeting,
what's
happening,
is
the
national
flood
insurance
program,
because
it's
basically
hemorrhaging
revenue
is
coming
in,
or
premiums
coming
in
they're
looking
for
ways
to
tighten
the
screws
on
each
of
these
activities
that
we
perform,
and
what
that
means
is
that
whenever
you
have
a
certain
activity
that
you're
performing,
let's
say,
ditch
cleaning,
for
example,
there's
a
minimum
number
of
points
that
you
can
get
there's
a
maximum
number
of
points
well,
in
order
to
get
the
maximum
number
of
points
out
of
that
activity,
you
have
to
dot
every
eye
and
cross
every
t
and
make
sure
that
you're
doing
everything
that
the
section
of
the
crs
manual
requires
so
what's
happening
is.
F
Is
that
as
we're
trying
to
maintain
our
crs
rating,
we're
being
told
by
the
crs
iso
the
crs
representatives
that
well
we're
not
given
that
same
amount
of
points
for
that
activity?
You're
only
getting
x
number
of
points
for
that,
so
what
that's
doing
is
making
it
much
more
difficult
for
us
to
maintain.
The
point
totals
that
we
have
already
that's
that's
one
of
the
changes.
That's
going
on
right
now
and
we've
actually
been
dealing
with
that
for
the
past
couple
of
years.
F
With
the
new
changes
that
are
coming
about,
the
grandfather
status
is
going
to
be
eliminated.
There
will
be
no
grandfather
status
anymore,
so
those
people
that
were
getting
the
artificial
or
the
preferred
rate
will
now
be
subject
to
the
the
standard
amount,
which
is
two
thousand
dollars
a
year,
also
they're
doing
away
with
a
preferred
rate.
F
You
know
if
you,
under
the
previous
ordinance
and
under
our
ordinance
now,
if
you
built
in
compliance
with
what
was
in
place
at
the
time,
then
you
were
eligible
for
what
we
call
the
preferred
rate
and
that's
not
going
to
happen
anymore,
because
once
some
of
these
elevations
change,
then
you
you
won't
be
subject
to
the
preferred
rate.
You'll
be
subject
to
the
full
rate
as
well.
F
Under
the
risk
2.0
program,
although
we
will
be
required
to
use
maps
in
the
department
maps,
are
not
going
to
be
used
to
determine
the
risk
involved
in
individual
properties.
It
won't
be
about
zones
anymore,
it'll,
be
about
each
individual
property
and
what
they're
going
to
do
is
to
use
satellite
imagery
to
look
or
or
to
identify
and
to
determine
the
risk
on
that
individual
piece
of
property
based
on
a
number
of
criteria.
F
The
targeted
risk
is
going
to
reflect
reflect
the
actual
risk.
That's
going
to
change
the
premium,
and
what
we
mean
by
that
is
is
that
your
risk
is
going
to
be
determined
on
your
particular
structure.
Is
that
structure
on
a
slab
foundation
or
is
it
on
an
elevated
foundation?
That's
going
to
be
one
of
the
things
considered.
F
They
anticipate
that
substantial
increases
in
premiums
are
going
to
begin
october,
the
1st
of
this
year,
some
of
the
other
changes
involved.
That
policies
could
see
up
to
an
18
increase
annually
until
the
amount
that
they
are
paying
equals
the
risk
of
the
flooding
for
their
insured
structures
and
the
reason
that
that
18
is
in
there
is
because
the
federal
mandate
limits
the
increase
to
18
per
year.
F
So
it
could
be
that
they
pay
18
this
year
and
they
may
be
subject
to
18
next
year
or
whatever
they
determine
the
the
risk
assessment
is
existing
structures
will
be
evaluated.
This
is
another
change.
Existing
structures
are
going
to
be
evaluated
by
the
actual
replacement
cost,
the
age,
the
materials
and
the
labor
that
it
would
take
to
repair
or
replace
that
structure
in
the
event
that
it's
damaged.
F
The
program
anticipates
that
there's
going
to
be
increased
premiums
across
the
board,
they're
projecting
that
89
percent
of
the
property
owners
in
the
city
that
have
a
flood
insurance
policy
are
going
to
see
an
increase.
That's
in
harrison
county
for
hancock,
county
and
jackson.
County
is
actually
higher
than
that.
It's
going
to
be
94.
F
F
Now,
one
of
the
things
to
be
considered
here
is
that
there
are
some
mortgages
out
there
on
houses
where
the
flood
insurance
premiums
are
escrowed
into
their
mortgage
payments.
So,
as
a
result
of
these
increases,
their
mortgage
payments
may
go
up
which
could
cause
a
a
real
problem
in
the
in
the
housing
market.
F
So
why
should
we
change
our
flood
ordinance
well
in
order
for
us
to
get
points
through
the
crs
program
and
and
try
to
get
a
better
rating,
or
even
try
to
maintain
the
rating
that
we
have
the
requirements
in
our
ordinance
need
to
exceed
the
standard?
You
know
I
mentioned
before
that
the
female
model
ordinance
is
just
the
standard,
it's
the
minimum
requirements.
F
So
whenever
we
adopt
something
in
our
ordinance
that
increases
the
standard
or
brings
us
above
the
norm,
then
we
get
points
for
that
toward
our
total.
F
The
other
reason
is
because,
in
the
new
international
building
code
that
that
we're
adopting
the
they
already
are
changing
it
to
require
a
one
foot
free
board
above
the
base
flood
elevation.
So
what
we
had
in
our
ordinance,
where
we
had
a
one
foot
free
board,
is
now
being
required
through
the
building
code.
So
now
that
one
foot
above
free
board
becomes
the
standard
rather
than
the
exception.
F
F
F
This
extra
one
foot
is
needed
to
maintain
our
rating
and
our
existing
discounts,
and
we
had
a
call
yesterday,
rick
stickler,
the
floodplain
manager
had
a
call
yesterday
where
a
lady
was
anticipating
that
her
insurance
was
going
to
be
700
and
when
she
talked
her
insurance
agent,
they
told
her
that
no
it's
going
to
be
two
thousand
dollars
and
I'll.
If
you
have
questions
about
that,
rick
can
answer
those
when
he
comes
up
to
answer
his
other
questions,
so
who's
going
to
be
affected
by
changing
this
ordinance
to
increase
the
free
freeboard
by
another
foot.
F
This
will
only
affect
new
construction,
new
additions
and,
what's
considered
substantial
improvements
and
a
substantial
improvement
means
that
anyone
who
takes
an
existing
structure-
that's
that's
in
the
flood
zone.
That
is
out
of
compliance
right
now
and
they're,
going
to
improve
that
structure
to
more
than
50
percent
of
the
fair
market
value.
F
Right
now
we
have
documentation
to
show
that
since
2017,
a
number
of
people
who
found
out
that
they
could
get
increased
discounts
by
going
above
what
we
already
require
in
our
ordinance
have
chosen
to
do
that.
You
can
see
on
the
chart
that
I've
provided
in
the
packet
that
in
2017
53
of
the
people
on
their
own
chose
to
go
more
than
a
foot
above
the
base,
flood
elevation
and
last
year
it
was
90
of
the
people.
F
F
We
currently
have
a
total
of
2502
points,
which
gets
us
just
over
the
requirement
to
get
that
25
percent
discount
and
because
the
the
program
is
tightening
the
screws
on
these
things
and
we're
looking
at
maybe
getting
less
points
on
it.
It
would
only
take
one
deduction
off
of
there
to
kick
us
from
a
five
to
a
four,
which
means
that
people
who
are
getting
25
percent
now
would
only
be
getting
20
after
that.
That
would
be
inside
the
flood
zone
and
outside
the
flood
zone.
F
So
that's
pretty
much
it.
Let
me
just
say
that
rick
and
kristen
went
through
the
training
two
years
ago.
They
went
to
a
training
session
at
the
emergency
management
agency
in
the
county
and
they
were
told
that
this
program
was
coming
forward,
but
they
were
not
given
a
lot
of
detail
about
it
and
then
two
or
three
weeks
ago
they
went
to.
They
went
to
a
training
session
where
they
were
told
that
it
was
coming,
but
they
still
were
not
given
a
lot
of
information
about
it.
We
don't
know
all
the
details
about
it.
F
What
I've,
given
you
is
what
we've
been
able
to
to
dig
up?
You
know
from
the
newspaper
article
and
from
some
of
the
training
that
they've
been
to,
but
with
that
I'll
ask
them
to
come
up
and
we'll
try
to
answer
any
questions
you
might
have
about
this.
The
only
the
only
request
that
we're
making
to
the
council
to
this
ordinance
is
that
we
add
that
extra
foot
of
freeboard
that's
how
there
are
no
other
changes
in
the
proposal.
So.
A
Well,
kristen
and
rick
are
coming
up
for
questions
if
there
are
any
so
cecilia.
I
just
wanted
to
check
for
the
powerpoint
presentation.
You
were
able
to
capture
that
in
the
video,
so
that's
included
in
the
video.
Thank
you
okay
questions,
mr
glavin
yeah.
I
have.
C
F
C
C
It's
damaged
or
whether
it's
new
new
additions,
it
doesn't,
it
does
not
matter.
Okay.
The
other
comment
I
have
months
ago,
we
talked
to
a
gentleman
that
discussed
the
concept
of
conservation
easements
and
how
that
could
get
us
points
back.
Are
we
pursuing
any
of
those
or
in
a
systematic
way?
That
may
also
give
us
points
back.
F
You
know
who
he's
talking
about
that
that
gentleman
was
actually
more
talking
about
us
taking
land
and
and
designated
it
as
a
ar.
That
was
one
of
the
the
main
things
that
he
was
suggesting.
Yeah.
You
remember
that
meeting
that
we
had.
Yes,
it
didn't
really
help
us
when
it
comes
to
these
elevation
requirements,
because
we
we,
I
think
what
he
was
doing,
was
proposing
some
things
that
we
could
use
to
get
more
crs
points
right,
but
it
wouldn't
have
anything
to
do
with
the
elevation
requirements,
because
that's
the
minimum
standard,
but.
C
It
would
help
our
flood
rating
if
we
pursued
those
conservation
easements
it
it
could
help
it.
Yes,
uh-huh.
Okay,
all
right!
That's
all!
I.
F
A
A
Okay
and
I'm
thinking
usually
when,
when
things
like
this
come
up,
if
somebody,
if
somebody
disagrees,
why
am
I
in
the
zone
I'm
not
supposed
to
be
in
the
zone,
there's
an
appeal
process
or
whatever?
So
so,
if
I
disagree
as
a
homeowner
and
then
I
got
this
huge
bill
and
I
got
to
see
somebody
because
I
this
is
not
right
and
who
do
I
appeal
to?
Is
that
done
locally
or
federally
or
regionally?
Well,.
F
One
thing
is
that
if
a
person
disagrees
with
the
satellite
imagery
that's
going
on,
then
they
have
the
right
to
go:
get
an
elevation
certificate
to
show,
because
the
elevation
certificate
removes
any
doubt
about
whether
it's
in
the
flood
zone
out
of
the
flood
zone
in
compliance
or
out
of
compliance.
That
would
be
the
only
thing
that
would
trump
the
satellite
imagery.
But
let's
just
say
that
they
still
believe
that
they're
not
in
the
flood
zone,
then
they
can
file
an
application
for
a
letter
of
map,
revision
or
amendment
that
could
actually.
F
A
Thing
I
noticed
because
basically
you're
not
dealing
with
zones
so
much
as
you
are
individual
character,
characteristics
associated
with
that
property
and,
and
one
of
those
was,
I
guess,
for
example,
proximities
to
bodies
of
water
and
I'm
thinking
what.
If
what,
if
you've
got
a
nice
little
creek
or
as
they
say
up
north
you've
got
a
creek
by
your
house
that
sucker
may
fill
up
and
that
may
be
the
source
of
the
water.
That
now
is
in
your
home,
where
you've
lived
for
20
years
and
your
base
elevate,
flood
elevation
is
eight
feet
or
whatever.
B
A
Does
that
even
come
into
play?
I'm
thinking
based
on
what
you
said
with
the
base
flood
elevation
and
the
the
height,
but
I
just
want
those
folks
about
maybe
viewing
this
video
to
know
that
yeah.
If
your
house
floods
now
because
of
it,
may
not
be
something
you've
done
so
much
as
it
is
the
city's
infrastructure
or
the
design
of
a
drainage
system.
D
A
A
Should
I
begin
to
worry
about
my
home
and
the
elevator
I
mean
I
can't
do
anything
necessarily
about
the
elevation,
but
do
I
need
somebody's?
Am
I
going
to
get
a
letter
saying
you
need
to
get
national
flooding?
You
need
to
get
flood
insurance
because
you're
in
this
area
now
does
that
I
don't
know
if
my
question
makes
sense.
F
With
our
with
our
limited
knowledge,
I
would
say
that,
yes,
that's
a
that's
a
very
good
possibility
that
you're
going
to
get
it
because
if
you
have
a
flood
insurance
policy
and
let's
say
that
you
live
next
to
a
ditch,
then
you
could
become
what's
called
a
repetitive
loss
property
where
you
filed
more
than
one
claim
on
that
property.
So
I
would
think
that,
yes,
that
that
it's
possible,
even
if
you're
living
next
to
a
drainage,
ditch
and
that
ditch,
has
a
history
of
flooding
that
you
may
be
subject
to
increase
premiums.
F
B
Yeah,
the
25
percent:
how
high
can
it
go?
You
get
30
percent
35.
F
You
have
to
get
to
a
one,
yes,
sir,
and
it
takes
a
total
city
commitment,
because
what
what
happens
is
you
have
to
have
public
works
on
board?
You
have
to
have
engineering
on
board
to
help
us
provide
a
lot
of
these
activities,
and
if
we,
if
we
can
do
that,
we
can
get
to
a
one
I
mean.
Theoretically,
we
could
get
to
a
one,
and
that
would
mean
that
people
are
only
paying
half
of
what
they
would
normally
pay
for
their
flood
insurance
premiums.
Yeah.
B
F
That's
right
and
that's
what
we
do
when
we're
looking
at
activities
is
the
reward
worth
the
you
know,
the
investment
you
know
if
we,
if
we
have
to
go
out
and
buy
a
bunch
of
new
equipment
in
order
to
get
50
more
points,
you
know,
certainly
that
wouldn't
be
worth
it.
B
B
D
E
B
F
B
F
Well,
what
I
mentioned
during
the
presentation
is
that,
because
the
building
code
now
requires
a
one
foot
free
board
in
it,
then
we're
back
to
the
norm
again,
even
by
requiring
one
foot
already.
So
we're
going
to
be
losing
those
points.
Unless
we
adopt
another
foot
of
free
board,.
B
Well,
that's
tough,
a
lot
of
people,
another
foot,
you
know
they
might
save
them
five
percent
money,
but
that's
a
lot
of
expense
for
a
lot
of
people
trying
to
build
now.
Another
foot
there's
nothing
for
the
elevation,
more
concrete,
more
whatever
that's
just
added
expenses,
then
you
have
to
look
at
what
is
the
worst
power
percent
to
them,
trickling
in
the
flood
zone?
Sometimes
it's
not
so
that's
something
you
have
to
look
at
to
try
to
protect
the
people
to
helping
the
best
you
can
so
maybe
another,
not
a
good
idea
right
now.
B
B
C
I
think
we're
in
a
situation
that
sounds
like
damned.
If
you
do
damn,
if
you
don't
so,
if
we
don't
go
up,
raise
the
free
board,
we're
going
to
lose
our
we're.
So
close,
that's
correct!
We're
going
to
lose
our
discount!
That's
right!
Well,
and
if
we
do
go
up
with
it,
the
people
that
are
now
that
we're
raising
it's
no
fault
of
theirs.
C
They
don't
have
to
build
up
because
they
didn't
do
an
addition
equal
to
50
or
better,
but
they'll
stick
they're
going
to
be
below
it
when
they
weren't
before
and
they're
going
to
lose
their
discount
if
they
had
insurance.
Is
that
correct.
F
One
of
the
things
that
we're
doing
with
this
proposal
to
to
add
this
foot
of
freeboard
is
to
make
sure
that
if
people
are
going
to
be
facing
increased
premiums
that
we
can
still
at
least
make
sure
that
they
get
25
off
of
that
increased
premium
rather
than
20
percent
off
that
increased
premium.
Because
if
we
lose
those
100
points
for
the
one
foot
of
freeboard,
we
got
then
we're
going
to
drop
up
to
a
six
and
we're
we're
going
to
lose
that
extra
five
percent.
So.
F
There
are
there's
a
manual
full
of
activities
that
we
can
take
on
and
believe
me,
I'm
on
these
these
people,
these
two
guys
every
day
to
make
sure
that
we're
looking
for
every
activity
that
we
can
to
improve
our
rating.
But
there
are
very
few
activities
in
there
where
you
get
100
points
for
them.
You
know
most
of
them,
you,
you
might
max
out
at
25
points,
and
it
takes
a
lot
of
effort
just
to
get
those
25
points.
F
But
this
is
one
thing
that
we
can
do
where
we
can
get
a
hundred
points
and
it'll
save
us
from
from
dropping
back
down
into
that
lower
category.
B
So
you
add
an
expense
to
save
five
percent.
That's
what
you're
doing
so.
That's
when
we
gotta
figure.
What's
the
worst.
Is
it
worth
that
it's
not
worth
it?
The
people
building,
not
people
like
you
said
already
here
we're
talking
about
the
new
people,
that's
what
you
have
to
look
at.
Can
you
give
us
some
numbers
today
I
mean,
like
somebody,
building
a
three
thousand
square
foot
house
on
a
beach
elevating
another
footworks
of
course.
F
And
creston
at
the
at
the
last
training
session,
actually
asked
for
a
copy
of
the
powerpoint
that
was
used
and,
and
they
wouldn't
release
it
to
them.
So
the
information
that
we've
received
so
far
has
been
very
limited.
B
G
Just
one
question:
I
want
to
combine
something
that
george
said.
No,
not
george,
george
and
kenny,
said
the
appeal
process
on
the
50
percent.
Is
there
a
payroll
process?
If
you
don't
agree
with
the
the
50
rule,
where
you
have
to
tear
it
down?
That's.
F
A
good
question:
let
me
let
me
address
that
a
lot
of
times.
We
have
people
that
come
in
that
are
getting
ready
to
remodel
their
house,
and
so
we
have
to
come
up
with
a
number
for
what
the
house
is
valued
at
now.
So
we
use
the
tax
rolls,
and
you
know
the
tax
rolls
are
traditionally
very
low,
so
we'll
tell
them
that!
F
F
If
you'll
bring
us
in
an
appraisal,
we'll
use
your
number
we'll
use
that
number
on
that
official
appraisal
to
evaluate
it,
and
even
then,
if
the
numbers
are
still
off,
then
if
they
can
bring
us
in
a
contractor
list
of
everything,
that's
being
done
plus
labor,
then
we
can
compare
that.
So
there
are
options
to
help
them.
You
know
other
than
just
our
determination,
based
on
the
tax.