After six months of virtual inactivity, Perry Homes’ new Woodridge Village contractors have significantly stepped up work on three detention ponds. All detention ponds are on the northern section of the development. However, recent heavy rains have saturated the soil. The rain also filled two of the three ponds one-third to one-half full. The result: a big muddy mess.
Tuesday, according to Elm Grove resident Jeff Miller, only one excavator was moving. It was trying to let water out of the N1 pond so that work could continue.
Twelve Aerial Photos Taken on Memorial Day
Below are 12 aerial photos of the site taken on Memorial Day, 5/25/2020.
Looking north along the western boundary of Woodridge at the tail of the N1 Pond.Further north, you can see where work has stopped on the tail of N1 (foreground), the Webb Street Entrance in Porter (left), and the N1 pond itself are at the top.
The N1 pond has the least development. Most work to date has focused on the tail. That’s presumably so contractors can keep the entrance to the site open. N1 will probably be the last pond they finish. And they will probably complete it only after they develop a second entrance to the site off Ford Road (see below).
Only Work Tuesday Was Trying To Drain N1
Looking south along the western boundary from over N1, you can see where the tail ends. The tiny trench letting water out of the tail slows down water. It will eventually be replaced by the four-foot culverts you see on the left.
That tiny trench is where the excavator was working today.
Site Holds More Water than N2 Detention Pond
Still looking south, but further down the western boundary, we can see the old and new portions of the N2 detention pond. It is not currently holding much water because contractors have already opened up the sides. That allows water to escape into Taylor Gully (top center).
Note how there’s more water on the site than in N2.Closer shot shows how workers opened up N2 to Taylor Gully (left of top center). They also continue to widen and deepen the pond toward the upper right corner.Rotating about 90 degrees, we can see how saturated the soil is. The northern portion of the site contains an amazing amount of standing water that isn’t yet able to reach the detention ponds.
The northern portion of the site is roughly 200 acres. Assuming an average of three inches of standing water (one quarter foot), that means the northern portion may contain 50 acre-feet of standing water!
Taylor Gully Did Not Appear to Overflow
Looking southeast at North Kingwood Forest (left) and Elm Grove Village (right), areas where hundreds of homes flooded twice last year.A closer shot shows where water in Taylor Gully, when high, is forced to make multiple turns within a few hundred yards to bypass a 3 foot pipe that connects the channel on either side of the county line. Luckily, water did not reach the overflow spillway from the concrete-lined channel during recent heavy rains, according to Jeff Miller.
N3 Pond Greatly Reduced Flow in Taylor Gully
The pond below (N3) sits directly above the portion of Taylor Gully that flooded Elm Grove and North Kingwood Forest twice last year. The vast majority of this excavation took place earlier this month.
Rotating to the northeast, you can see the N3 detention pond, now mostly excavated. Miller estimates it’s still one half to one third full. Traveling up the eastern side of Woodridge, we can see tremendous erosion along the banks of N3. Those parallel stripes running down the sides of the pond are called rilling, shallow channels cut in the surface of soil by running water.
Simply Excavating Ponds Does Not Mean They Are Complete
Above, you can see that contractors did not yet have backslope interceptor swales in place. Nor did they have the pipes installed to channel intercepted runoff to the detention pond. Accordingly, runoff went over the edges of the pond and washed sediment into it.
The ponds will not be complete until backslope interceptor swales and pipes have been installed and grass planted along the edges of the ponds to prevent future rilling. The ponds also need concrete pilot channels to prevent erosion in the areas of constant use.
New Entrance on East
The new entrance to the subdivision (background below) will be an extension of Mace Street in Porter on the West. It will connect to Ford Road on the East.
Looking straight east from the top of N3. Note two things: a channel designed to funnel standing water to N3 and the new entrance to the subdivision cut into the woods in the distance.
Mace enters the western side of the subdivision just to the left of that silver roof in the distance of the shot below.
Looking directly west across Woodridge Village while hovering over N3 on the eastern border.
There may be a connection between the type of property Perry develops and the problems that customers later develop. If Perry builds on this property, I pity any poor unsuspecting customers who fail to research its history.
No New Statements on Potential County Buyout
To my knowledge, neither Harris County, the City of Houston, nor Perry Homes have issued any public statements about the status of a buyout of this property. Harris County Flood Control District was considering using it to build a regional flood-detention facility. But County Commissioners added new conditions on any buyout in their last meeting.
Twice-flooded residents in Elm Grove and North Kingwood Forest eagerly await new details on the deal. Even if Perry completes work on all the ponds, it will likely not be enough to handle a true hundred-year rainfall event.
Ponds Still Would Not Likely Detain Hundred-Year Rain
Perry rushed to get plans permitted before new Atlas-14 rainfall standards went into effect. They would have required 30% to 40% more detention than the plans that the City and Montgomery County approved.
In the meantime, though, the new detention ponds will greatly reduce the risk of flooding from lesser storms. Also, the National Weather Service has reduced the risk of rain in the next several days. That may give Woodridge Village time to dry out and downstream residents time to catch up on their sleep.
Posted by Bob Rehak on 5/27/2020 with reporting from Jeff Miller
1002 Days after Hurricane Harvey
The thoughts expressed in this post represent opinions on matters of public concern and safety. They are protected by the First Amendment of the US Constitution and the Anti-SLAPP Statute of the Great State of Texas.
https://i0.wp.com/reduceflooding.com/wp-content/uploads/2020/05/20200525-DJI_0054.jpg?fit=1200%2C900&ssl=19001200adminadmin2020-05-26 19:41:262020-05-27 11:55:21Update on Woodridge Village Detention Ponds After Recent Heavy Rains
On my most recent flight down the San Jacinto West Fork, I was treated to a rare experience. Just as we flew over US59 heading east, what seemed like a mile-long train started to cross the new Union Pacific rail bridge. As we crossed over the train, the engineer saw me leaning out the door of the helicopter to grab the perfect shot. I think he knew we were documenting progress of the bridge. In salute, or maybe out of pride, he let out a massive blast from his giant air horn. Both the helicopter pilot and I broke out into huge smiles.
A Stirring Moment
It was a stirring moment for someone who has always admired trains. Railroads opened up this country, supported the growth of our cities, and still carry the much of the commerce of our nation on the backs of their rails.
Harvey destroyed the ancient Union Pacific bridge over the West Fork.
Shot taken on March 3, 2018, approximately six months after Harvey. Repairs on the old bridge were still in progress at that point.
First UP had to restore the old bridge to keep traffic flowing.
Then the company had to build a new bridge between the supports of the old bridge.
Finally, once the new supports were in, they had to remove the old ones.
All of that took a little less than a thousand days. And it was fascinating to watch. The result is a tribute to the genius of American engineering and know-how.
Second Major Mitigation Project to Be Completed in Area
This marks the completion of second major flood mitigation project in the Lake Houston Area. The first was TxD0T’s reconstruction of the US59/I69 bridge a few hundred yards to the west. That delayed hundreds of thousands of commuters for 11 months.
The train stretched almost a mile toward Kingwood Drive as it barreled southward. Hopefully, the new bridge may also help reduce train delays at major intersections.
Other Mitigation Projects Still in Development or Being Studied
Other major mitigation projects still in progress or development include:
West Fork dredging to restore conveyance and channel of the river
Additional floodgates for the Lake Houston Dam, to let water out faster
The search for suitable upstream detention to help hold back water during floods
Multiple ditch repairs throughout the area
Drainage studies throughout the San Jacinto River Basin that will undoubtedly lead to additional mitigation projects
Posted by Bob Rehak on 5/26/2020 with gratitude to the men and women of Union Pacific
1001 Days after Hurricane Harvey
https://i0.wp.com/reduceflooding.com/wp-content/uploads/2020/05/20200511-RJR_2221.jpg?fit=1200%2C800&ssl=18001200adminadmin2020-05-26 16:44:442020-05-26 16:46:31Union Pacific Traffic Over San Jacinto West Fork Now Fully Back and Better
The latest interview in my Impact series:Just months before Hurricane Harvey, Jennifer Coulter and her husband, Chris, decided to start a new company called Texas Power Agents. The SBA used the timing of that decision to deny them a loan. And because they were then forced to liquidate their 401Ks to repair their home (a move which Jennifer thought counted as income), the City then denied them a Homeowner Assistance Grant. Through it all, they managed to rebuild their home, grow their company, and grow closer as a family. Long ago, they stopped expecting help from the bureaucracy and rebuilt their home with their own hands and the help of friends. Now, one thousand days after Harvey, they look back at the whole experience as a blessing in many ways.
Bob Rehak: Harvey flooded your home. How badly?
Jennifer Coulter: Almost two-feet. But we gutted up to four feet. The house was unusable for a long time because it’s a one story house.
Jennifer Coulter is dwarfed by the pile of debris in front of her home.
The Great Post-Harvey, Year-Long Camp Out
Bob Rehak: You lived in a camper in your driveway for about a year.
Jennifer Coulter: That was our best move! We went to a friend’s house for a week. And then another friend’s. Once we figured out this was a long-term process, we got a rental property. But the landlord tried to change the amount of the lease after we moved in. So we moved on.
Jennifer Coulter: Then, a friend whose mother’s house had been vacant in Oakhurst for five years invited us to move in and just pay the utilities. But after two months, the family trust decided to sell the home.
That’s when we bought the trailer. We knew we needed to be in control of our living situation. The only way we could do that affordably was with a trailer. But we had to buy a new one; there were no used ones available. And so, yeah, we went to Oklahoma, bought a trailer and lived in it for almost a year in our driveway. Two adults. Two kids. Two cats. And one dog. That actually turned out to be the right decision. We wish we had made that choice first.
Birthday party in the driveway with the new trailer.
Fruitless Search for SBA Help
Bob Rehak: So this whole time you’re working on your house?
Jennifer Coulter: We were gutting it. But we had no means to finance the rebuild. We were trying to figure that part out. So, we applied for an SBA loan. People told us that was our only option, since we didn’t have flood insurance and there was no way to get a home equity loan.
The Coulters ran out of room in their garage and started storing carts and construction materials in their living room.
Bob Rehak: Why didn’t you have flood insurance?
Jennifer Coulter: We live more than two miles from the West Fork in the 500-year flood plain. It was a bad miscalculation.
Bob Rehak: So you started the process of getting an SBA loan?
Jennifer Coulter: Yes,we filled out the application. And because we started a small business just six months before the flood, we were not eligible. We didn’t have two years of tax returns on the business. And we were not receiving paychecks from an employer. They denied us for “inability to repay the loan.” Even though we had great credit and assets well in excess of the amount we were asking for, the SBA denied us.
Drawing Down 401Ks to Afford Repairs
Bob Rehak: Where did you go next?
Jennifer Coulter: To our 401Ks. I had two small retirement accounts and Chris had a sizable one. Taking money out of those would later prove to be yet another fateful decision.
Bob Rehak: You were your own general contractor.
Jennifer Coulter: Yes, we did not have money to pay one. But that meant we had to figure out how to do it ourselves. That created extra stress while we were trying to grow a new business.
Chris and Jennifer Coulter in their front yardworkshop during the rebuild.
Bob Rehak: Back to the search for aid. You eventually applied for a homeowner assistance grant.
Jennifer Coulter: I applied the first day you could back in February 2019.
Bob Rehak: Tell me about that process. Did you start online and then go downtown to finish?
Jennifer Coulter: They never invited us to go that far. The first step was to fill out a survey that screens people. You just give general information about damage to your home, your income level, and that sort of stuff.
Tapping 401Ks Counts Against Them
Jennifer Coulter: So when asked about income, I put what was on our 2018 tax return because I thought that was what they required. But we were cleaning out retirement funds to repair the home, because the business had not yet taken off. I was told that within days or maybe two weeks that someone would reach out to us. And at that point, we would fill out a formal application. Then we would receive whatever funds we may or may not be eligible for. No one ever called back.
So I called them back. At least six times. But every time, I was told, “Well, you’re in priority group six; we’re still working on priority groups one and two.”
We never even made it to the application phase to be considered for anything.
City Won’t Let Them Undo Mistake
Bob Rehak: You said at one point that you reported the withdrawal from your 401Ks as income and you eventually came to realize that was a mistake. Did you try to undo that?
Jennifer Coulter: Yes, I called and said “I’ve made a mistake. I think I put something as income that really shouldn’t be income. How can I amend my survey?”
She said, “Well, we’re addressing them in the order of receipt. So if you changed it, that puts you at the back of the line.”
Bob Rehak: Really?
Jennifer Coulter: I was told not to change a thing, that I had a better chance of moving down the line if I left it as it was. And when I got further into the process and got to speak with an agent, I could work out details then.
Bob Rehak: Who were you talking to at this point?
Jennifer Coulter: The people that answer the phone at the Homeowner’s Assistance Program website.
I haven’t called in several months. It was a total waste of time. This money was allocated to help people like us. But the Small Business Administration denied us a loan, because we had just started a small business. The logic or lack thereof is just mind boggling!
Bob Rehak: So sad!
Turning Corner With Community Support
Jennifer Coulter: We’re not alone. But at least our business is growing. We have great community support. Most of our customers are in the Kingwood and Lake Houston area. And the business is growing by word of mouth. We feel so very fortunate.
We know that our recovery will be a long one. But we’ll get there, whether we receive aid or not.
First Christmas back in the house, even if it didn’t yet have all the comforts of home.
Bob Rehak: Where do you go from here? Are you just going to gut it out or do you still have hope for the loan or the grant?
Jennifer Coulter: I’ll probably see if I can get through to the GLO and give it one last ditch effort. But I assume it’s never gonna happen.
Where’d The Money Go?
Jennifer Coulter: It hurts. We saved so hard and vowed we would never touch that money until retirement. The City of Houston got hundreds of millions to help people like us. And then, according to Channel 13, they’ve managed to rebuild less that four dozen homes in more than a year.
It just makes college for the kids and things like that a big question mark. But we’ll figure it out. We will. We believe in our business and we believe we’ll be successful.
Someday this will all be a distant memory. We’ll work it out. That’s what we do. We put our heads down, work, and move forward.
The Silver Lining
Bob Rehak: How would you characterize this whole experience in a phrase?
Jennifer Coulter: Both a blessing and a curse. At the time, it was dark and scary and heartbreaking.
But then, you know, you pick your head up and you realize that you are surrounded by amazing people. They are willing to share blood, sweat and tears…literally. They helped us tear our house apart and put it back together. They’ve supported our kids. They’ve shared what they can. And that’s more valuable than money.
Chris and I truly feel blessed. Our kids have learned amazing lessons about what is important in life. And we now have this beautiful home that we’ve been able to remake just the way we wanted. As a family, we all had input. We all got to pick things out we wanted.
But we are no happier than when we were living in that trailer together.
Making Us Stronger
Jennifer Coulter: I have no doubt we can handle anything that comes our way, because we have, and we’ve come out ahead. And we would again. It was hard and it was sad, but it wasn’t the end of the world.
Chris kept it in perspective by saying, “This is not a tragedy. This is a major inconvenience.” He maintained that as long as we were healthy and together, we would get through it and come out on the other side. Hearing us say those things and watching us live them enabled all of us to come out of it together – both stronger and happier.
Bob Rehak: Your experience would have torn many families apart. What kept you together?
Jennifer Coulter: Laughter. We laugh together. And we love one another. And we allowed ourselves to have our bad moments and gave each other space when we needed it. But we were always there for each other.
Children made the experience harder because we were aware that everything we said and did was being taken in by them. But we were very honest with them. When we were having a bad day, we let them see us cry. We let them see us be angry and frustrated.
We’d say something like, “We’re having a bad day. But it’s OK. You know, tomorrow will be better.” And it was. And so they got to see that light. That’s real life. You get down. You pick your head up and get up the next day and move forward.
You just do it. You don’t belabor the point that somebody is not giving you something. Make it happen yourself.
Bob Rehak: Would you like to share anything else with people?
“Home is Where Your People Are”
Jennifer Coulter: We lived that motto. We made the best of every place we lived and at every point throughout the process.
The power of people is just really remarkable. And this is a really special place. A lot of people say that. But the love and the support that just came at us from so many people was just really, really remarkable. We’re just very lucky to live in this community.
Posted by Bob Rehak on 5/25/2020 with input from Jennifer and Chris Coulter
1000 Days after Hurricane Harvey
https://i0.wp.com/reduceflooding.com/wp-content/uploads/2020/05/Cart-in-Living-Room.jpg?fit=1200%2C900&ssl=19001200adminadmin2020-05-25 06:00:002020-05-25 06:05:571000 Days After Hurricane Harvey, Jennifer and Chris Coulter Feel Blessed in Many Ways
Update on Woodridge Village Detention Ponds After Recent Heavy Rains
After six months of virtual inactivity, Perry Homes’ new Woodridge Village contractors have significantly stepped up work on three detention ponds. All detention ponds are on the northern section of the development. However, recent heavy rains have saturated the soil. The rain also filled two of the three ponds one-third to one-half full. The result: a big muddy mess.
Tuesday, according to Elm Grove resident Jeff Miller, only one excavator was moving. It was trying to let water out of the N1 pond so that work could continue.
Twelve Aerial Photos Taken on Memorial Day
Below are 12 aerial photos of the site taken on Memorial Day, 5/25/2020.
The N1 pond has the least development. Most work to date has focused on the tail. That’s presumably so contractors can keep the entrance to the site open. N1 will probably be the last pond they finish. And they will probably complete it only after they develop a second entrance to the site off Ford Road (see below).
Only Work Tuesday Was Trying To Drain N1
That tiny trench is where the excavator was working today.
Site Holds More Water than N2 Detention Pond
Still looking south, but further down the western boundary, we can see the old and new portions of the N2 detention pond. It is not currently holding much water because contractors have already opened up the sides. That allows water to escape into Taylor Gully (top center).
The northern portion of the site is roughly 200 acres. Assuming an average of three inches of standing water (one quarter foot), that means the northern portion may contain 50 acre-feet of standing water!
Taylor Gully Did Not Appear to Overflow
N3 Pond Greatly Reduced Flow in Taylor Gully
The pond below (N3) sits directly above the portion of Taylor Gully that flooded Elm Grove and North Kingwood Forest twice last year. The vast majority of this excavation took place earlier this month.
Simply Excavating Ponds Does Not Mean They Are Complete
Above, you can see that contractors did not yet have backslope interceptor swales in place. Nor did they have the pipes installed to channel intercepted runoff to the detention pond. Accordingly, runoff went over the edges of the pond and washed sediment into it.
The ponds will not be complete until backslope interceptor swales and pipes have been installed and grass planted along the edges of the ponds to prevent future rilling. The ponds also need concrete pilot channels to prevent erosion in the areas of constant use.
New Entrance on East
The new entrance to the subdivision (background below) will be an extension of Mace Street in Porter on the West. It will connect to Ford Road on the East.
Mace enters the western side of the subdivision just to the left of that silver roof in the distance of the shot below.
Why You Don’t Build On Wetlands
The last image above shows why you don’t buy homes built over wetlands, even if the Army Corps ruled that the wetlands weren’t jurisdictional. Any homes built here would likely have foundation problems from shifting soils. Of course, by then, the builder would be long gone.
In reviewing the complaints lodged with the Better Business Bureau against Perry Homes, most of them had to do with failure to honor warranties. Digging deeper, you can see many of the underlying complaints had to do with drainage, flooding, mold, and mildew.
There may be a connection between the type of property Perry develops and the problems that customers later develop. If Perry builds on this property, I pity any poor unsuspecting customers who fail to research its history.
No New Statements on Potential County Buyout
To my knowledge, neither Harris County, the City of Houston, nor Perry Homes have issued any public statements about the status of a buyout of this property. Harris County Flood Control District was considering using it to build a regional flood-detention facility. But County Commissioners added new conditions on any buyout in their last meeting.
Twice-flooded residents in Elm Grove and North Kingwood Forest eagerly await new details on the deal. Even if Perry completes work on all the ponds, it will likely not be enough to handle a true hundred-year rainfall event.
Ponds Still Would Not Likely Detain Hundred-Year Rain
Perry rushed to get plans permitted before new Atlas-14 rainfall standards went into effect. They would have required 30% to 40% more detention than the plans that the City and Montgomery County approved.
In the meantime, though, the new detention ponds will greatly reduce the risk of flooding from lesser storms. Also, the National Weather Service has reduced the risk of rain in the next several days. That may give Woodridge Village time to dry out and downstream residents time to catch up on their sleep.
Posted by Bob Rehak on 5/27/2020 with reporting from Jeff Miller
1002 Days after Hurricane Harvey
The thoughts expressed in this post represent opinions on matters of public concern and safety. They are protected by the First Amendment of the US Constitution and the Anti-SLAPP Statute of the Great State of Texas.
Union Pacific Traffic Over San Jacinto West Fork Now Fully Back and Better
On my most recent flight down the San Jacinto West Fork, I was treated to a rare experience. Just as we flew over US59 heading east, what seemed like a mile-long train started to cross the new Union Pacific rail bridge. As we crossed over the train, the engineer saw me leaning out the door of the helicopter to grab the perfect shot. I think he knew we were documenting progress of the bridge. In salute, or maybe out of pride, he let out a massive blast from his giant air horn. Both the helicopter pilot and I broke out into huge smiles.
A Stirring Moment
It was a stirring moment for someone who has always admired trains. Railroads opened up this country, supported the growth of our cities, and still carry the much of the commerce of our nation on the backs of their rails.
Harvey destroyed the ancient Union Pacific bridge over the West Fork.
But now UP is back. Bigger and better than ever. The sleek new bridge sports wider supports, designed to let fallen trees pass through in the next flood. That should eliminate backwater effects caused by logjams. Compare the “after” shot below.
A Three-Year Project
The construction of the new bridge took almost three years.
All of that took a little less than a thousand days. And it was fascinating to watch. The result is a tribute to the genius of American engineering and know-how.
Second Major Mitigation Project to Be Completed in Area
This marks the completion of second major flood mitigation project in the Lake Houston Area. The first was TxD0T’s reconstruction of the US59/I69 bridge a few hundred yards to the west. That delayed hundreds of thousands of commuters for 11 months.
Other Mitigation Projects Still in Development or Being Studied
Other major mitigation projects still in progress or development include:
Posted by Bob Rehak on 5/26/2020 with gratitude to the men and women of Union Pacific
1001 Days after Hurricane Harvey
1000 Days After Hurricane Harvey, Jennifer and Chris Coulter Feel Blessed in Many Ways
The latest interview in my Impact series: Just months before Hurricane Harvey, Jennifer Coulter and her husband, Chris, decided to start a new company called Texas Power Agents. The SBA used the timing of that decision to deny them a loan. And because they were then forced to liquidate their 401Ks to repair their home (a move which Jennifer thought counted as income), the City then denied them a Homeowner Assistance Grant. Through it all, they managed to rebuild their home, grow their company, and grow closer as a family. Long ago, they stopped expecting help from the bureaucracy and rebuilt their home with their own hands and the help of friends. Now, one thousand days after Harvey, they look back at the whole experience as a blessing in many ways.
Bob Rehak: Harvey flooded your home. How badly?
Jennifer Coulter: Almost two-feet. But we gutted up to four feet. The house was unusable for a long time because it’s a one story house.
The Great Post-Harvey, Year-Long Camp Out
Bob Rehak: You lived in a camper in your driveway for about a year.
Jennifer Coulter: That was our best move! We went to a friend’s house for a week. And then another friend’s. Once we figured out this was a long-term process, we got a rental property. But the landlord tried to change the amount of the lease after we moved in. So we moved on.
Jennifer Coulter: Then, a friend whose mother’s house had been vacant in Oakhurst for five years invited us to move in and just pay the utilities. But after two months, the family trust decided to sell the home.
That’s when we bought the trailer. We knew we needed to be in control of our living situation. The only way we could do that affordably was with a trailer. But we had to buy a new one; there were no used ones available. And so, yeah, we went to Oklahoma, bought a trailer and lived in it for almost a year in our driveway. Two adults. Two kids. Two cats. And one dog. That actually turned out to be the right decision. We wish we had made that choice first.
Fruitless Search for SBA Help
Bob Rehak: So this whole time you’re working on your house?
Jennifer Coulter: We were gutting it. But we had no means to finance the rebuild. We were trying to figure that part out. So, we applied for an SBA loan. People told us that was our only option, since we didn’t have flood insurance and there was no way to get a home equity loan.
Bob Rehak: Why didn’t you have flood insurance?
Jennifer Coulter: We live more than two miles from the West Fork in the 500-year flood plain. It was a bad miscalculation.
Bob Rehak: So you started the process of getting an SBA loan?
Jennifer Coulter: Yes, we filled out the application. And because we started a small business just six months before the flood, we were not eligible. We didn’t have two years of tax returns on the business. And we were not receiving paychecks from an employer. They denied us for “inability to repay the loan.” Even though we had great credit and assets well in excess of the amount we were asking for, the SBA denied us.
Drawing Down 401Ks to Afford Repairs
Bob Rehak: Where did you go next?
Jennifer Coulter: To our 401Ks. I had two small retirement accounts and Chris had a sizable one. Taking money out of those would later prove to be yet another fateful decision.
Bob Rehak: You were your own general contractor.
Jennifer Coulter: Yes, we did not have money to pay one. But that meant we had to figure out how to do it ourselves. That created extra stress while we were trying to grow a new business.
Bob Rehak: Back to the search for aid. You eventually applied for a homeowner assistance grant.
Jennifer Coulter: I applied the first day you could back in February 2019.
Bob Rehak: Tell me about that process. Did you start online and then go downtown to finish?
Jennifer Coulter: They never invited us to go that far. The first step was to fill out a survey that screens people. You just give general information about damage to your home, your income level, and that sort of stuff.
Tapping 401Ks Counts Against Them
Jennifer Coulter: So when asked about income, I put what was on our 2018 tax return because I thought that was what they required. But we were cleaning out retirement funds to repair the home, because the business had not yet taken off. I was told that within days or maybe two weeks that someone would reach out to us. And at that point, we would fill out a formal application. Then we would receive whatever funds we may or may not be eligible for. No one ever called back.
So I called them back. At least six times. But every time, I was told, “Well, you’re in priority group six; we’re still working on priority groups one and two.”
We never even made it to the application phase to be considered for anything.
City Won’t Let Them Undo Mistake
Bob Rehak: You said at one point that you reported the withdrawal from your 401Ks as income and you eventually came to realize that was a mistake. Did you try to undo that?
Jennifer Coulter: Yes, I called and said “I’ve made a mistake. I think I put something as income that really shouldn’t be income. How can I amend my survey?”
She said, “Well, we’re addressing them in the order of receipt. So if you changed it, that puts you at the back of the line.”
Bob Rehak: Really?
Jennifer Coulter: I was told not to change a thing, that I had a better chance of moving down the line if I left it as it was. And when I got further into the process and got to speak with an agent, I could work out details then.
Bob Rehak: Who were you talking to at this point?
Jennifer Coulter: The people that answer the phone at the Homeowner’s Assistance Program website.
I haven’t called in several months. It was a total waste of time. This money was allocated to help people like us. But the Small Business Administration denied us a loan, because we had just started a small business. The logic or lack thereof is just mind boggling!
Bob Rehak: So sad!
Turning Corner With Community Support
Jennifer Coulter: We’re not alone. But at least our business is growing. We have great community support. Most of our customers are in the Kingwood and Lake Houston area. And the business is growing by word of mouth. We feel so very fortunate.
We know that our recovery will be a long one. But we’ll get there, whether we receive aid or not.
Bob Rehak: Where do you go from here? Are you just going to gut it out or do you still have hope for the loan or the grant?
Jennifer Coulter: I’ll probably see if I can get through to the GLO and give it one last ditch effort. But I assume it’s never gonna happen.
Where’d The Money Go?
Jennifer Coulter: It hurts. We saved so hard and vowed we would never touch that money until retirement. The City of Houston got hundreds of millions to help people like us. And then, according to Channel 13, they’ve managed to rebuild less that four dozen homes in more than a year.
It just makes college for the kids and things like that a big question mark. But we’ll figure it out. We will. We believe in our business and we believe we’ll be successful.
The Silver Lining
Bob Rehak: How would you characterize this whole experience in a phrase?
Jennifer Coulter: Both a blessing and a curse. At the time, it was dark and scary and heartbreaking.
But then, you know, you pick your head up and you realize that you are surrounded by amazing people. They are willing to share blood, sweat and tears…literally. They helped us tear our house apart and put it back together. They’ve supported our kids. They’ve shared what they can. And that’s more valuable than money.
Chris and I truly feel blessed. Our kids have learned amazing lessons about what is important in life. And we now have this beautiful home that we’ve been able to remake just the way we wanted. As a family, we all had input. We all got to pick things out we wanted.
Making Us Stronger
Jennifer Coulter: I have no doubt we can handle anything that comes our way, because we have, and we’ve come out ahead. And we would again. It was hard and it was sad, but it wasn’t the end of the world.
Chris kept it in perspective by saying, “This is not a tragedy. This is a major inconvenience.” He maintained that as long as we were healthy and together, we would get through it and come out on the other side. Hearing us say those things and watching us live them enabled all of us to come out of it together – both stronger and happier.
Bob Rehak: Your experience would have torn many families apart. What kept you together?
Jennifer Coulter: Laughter. We laugh together. And we love one another. And we allowed ourselves to have our bad moments and gave each other space when we needed it. But we were always there for each other.
Children made the experience harder because we were aware that everything we said and did was being taken in by them. But we were very honest with them. When we were having a bad day, we let them see us cry. We let them see us be angry and frustrated.
We’d say something like, “We’re having a bad day. But it’s OK. You know, tomorrow will be better.” And it was. And so they got to see that light. That’s real life. You get down. You pick your head up and get up the next day and move forward.
Bob Rehak: Would you like to share anything else with people?
“Home is Where Your People Are”
Jennifer Coulter: We lived that motto. We made the best of every place we lived and at every point throughout the process.
The power of people is just really remarkable. And this is a really special place. A lot of people say that. But the love and the support that just came at us from so many people was just really, really remarkable. We’re just very lucky to live in this community.
Posted by Bob Rehak on 5/25/2020 with input from Jennifer and Chris Coulter
1000 Days after Hurricane Harvey