Mayor Moylan and City Council Members,
My name is Halina Kraszewski, and I have resided at 685 Devonshire Drive in Des Plaines for 16 years.
As a resident of the 8th Ward and as a Realtor with over 19 years of experience in the Real Estate industry, I am requesting that you approve the acceleration of the Storm Water Master Plan. Due to frequent floods our City has a stigma attached to it - “Des Plaines floods” - and some buyers would never consider looking for properties in our town, knowing that flooding also occurs in areas that are not even designated as flood zones.
As a resident of the 8th Ward and as a Realtor with over 19 years of experience in the Real Estate industry, I am requesting that you approve the acceleration of the Storm Water Master Plan. Due to frequent floods our City has a stigma attached to it - “Des Plaines floods” - and some buyers would never consider looking for properties in our town, knowing that flooding also occurs in areas that are not even designated as flood zones.
Some of our residents in the 8th Ward have exhausted their insurance claims and their insurance companies have canceled their coverage. At this time, those people do not have any protection against losses due to storm and sanitary sewer back up.
In order to be in compliance with the law, every Seller has to disclose to a potential Buyer any problems with flooding or leakage in the basement or crawlspace and explain it to a potential buyer in writing. A potential buyer has the right to check the CLUE report: this is a national insurance industry database that contains personal claims. A CLUE report is the equivalent of a credit report for a house, which examines all claims reported to the insurance company in a given period for five years. When a potential buyer learns about the extent of our flooding problems, he or she walks away from the purchase.
In order to be in compliance with the law, every Seller has to disclose to a potential Buyer any problems with flooding or leakage in the basement or crawlspace and explain it to a potential buyer in writing. A potential buyer has the right to check the CLUE report: this is a national insurance industry database that contains personal claims. A CLUE report is the equivalent of a credit report for a house, which examines all claims reported to the insurance company in a given period for five years. When a potential buyer learns about the extent of our flooding problems, he or she walks away from the purchase.
Banks have the right to check the CLUE report prior to approving a mortgage. Due to the tightening of lending requirements, financial institutions may deny issuing a mortgage because they do not want to get stuck with a high risk or uninsurable property.
When Sellers cannot sell, they walk away from the property and the home eventually ends up in foreclosure, thus bringing the value down for the neighboring properties. When property values decrease, the City of Des Plaines collects less revenue in transfer taxes. It should be in the best interest of our City to keep the value of the properties up and invest in our infrastructure.
Our 8th Ward consists of middle class residents. Our homes are our biggest investments which we have to protect. Our property comes with a bundle of legal rights. One of those rights is enjoyment. Due to frequent floods, we cannot enjoy our homes. We are worried about our homes being invaded by water or sewage even though our homes are not located in the flood zone. We are worried when we go to work, when we go away for the weekend or when we go away on vacation. We are worried about the potential risk of disease from the contaminated water that sewage leaves in our homes. Our homes are not being used the way we intended to use them. Our family rooms in the lower level are left without carpets due to frequent water and sewer invasions. Again, I am talking about homes that are located in a NO FLOOD ZONE.
I am asking that you please help us by approving the acceleration of the Storm Water Master Plan and formulating an interim flood protection plan while residents await construction.
Thank you for your support!
For access to the CLUE database point your browser to
http://www.choicepoint.com/products/risk_reports.html?l2=homesellers_disclosure&bc=c&sb=c
For access to the CLUE database point your browser to
http://www.choicepoint.com/products/risk_reports.html?l2=homesellers_disclosure&bc=c&sb=c
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