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91ƵEndless91Ƶ: B.C. family recounts year-long fight for flooding compensation

91ƵLittle of this makes sense,91Ƶ says Dean Janes

Ruth Janes walked to her mailbox recently and discovered an envelope she91Ƶs been waiting 11 months to receive.

Inside was a cheque from B.C.91Ƶs disaster assistance fund, something she91Ƶs been begging for ever since a landslide forced a deluge of mud, dirt and logs through the Silverdale home she owns with husband Dean on Dec. 1, 2021.

It was a day that forced them out of their home, sending them on a journey through the cold and byzantine world of government, non-profit and insurance bureaucracy.

But now, finally, Ruth was holding a cheque from the government to help offset some of the hundreds of thousands of dollars the couple had already spent to rebuild a road and the hill that gave way after a torrential rainstorm that also caused widespread flooding in the Fraser Valley.

91ƵI was totally surprised when it arrived,91Ƶ said Ruth over the sound of Frank Sinatra playing in the background of the business she owns on First Avenue, English Tart. 91ƵThe government hadn91Ƶt given us any indication that we had been approved. We91Ƶve often felt in the dark.91Ƶ

The money was, of course, welcome because Ruth and Dean have had to front all of the costs so far to repair the area around their home. But the disaster relief cheque covers less than 80% of what they spent and will do nothing to pay for the future costs the couple need to cover to actually make their home livable again.

Eleven months later, the family is still living elsewhere with no realistic timeline of returning home.

In the same week as the B.C. government cheque, Ruth opened up another envelope containing money. This one was from an insurance company, which was shocking because the couple had been told previously that insurance companies don91Ƶt cover landslides. It turns out, however, that while the insurance company doesn91Ƶt cover the damage from the mud and dirt, it does cover damage from the many trees that pounded through the house.

91ƵIt took months for them to tell us that,91Ƶ Dean said with more than a tinge of bitterness. 91ƵThey had to separate the slide damage from the tree damage. Little of this makes sense.91Ƶ

The couple has also received some money from a GoFundMe campaign.

91ƵThe people of Mission are the ones who have been amazing throughout all of this,91Ƶ Dean said.

The couple has also received money from the Red Cross, but only after extensive calls back and forth.

91ƵWith all of the agencies, every time you speak with someone, it91Ƶs a different person and they ask you the questions you91Ƶve already answered over and over again,91Ƶ Ruth said. 91ƵThey keep asking, 91ƵWas it a disaster?91Ƶ Well, yes. Then they want you to go back out and take more photos of the house.91Ƶ

Getting the call that changed everything

After 11 months of torture, Ruth is still OK with discussing what happened that day. She was serving a customer tea when her cell phone buzzed with a strange Abbotsford number. She nearly didn91Ƶt answer it.

It was the RCMP.

A neighbour had called the police, who tracked down Ruth. She hopped in her vehicle and raced home, but was stopped near the property due to the dangers of the slide.

91ƵYou feel like the whole world has crashed down,91Ƶ Ruth said.

And yet, Ruth91Ƶs first thought was about the family91Ƶs many pets. At home were several birds, their cat Alistair and two big dogs, Molson and Meko.

All managed to survive.

Ruth called Dean, who took a moment to realize that he could have easily been home if he had worked a different shift.

Dean held up his phone with a photo of where the debris, including trees, went right through a wall.

91ƵYou look at where the trees are and I would91Ƶve been speared,91Ƶ Dean said.

That91Ƶs something Ruth tries to remind herself of when she feels overwhelmed by the bureaucracy, endless delays and mounting costs.

91ƵNobody was killed,91Ƶ Ruth said. 91ƵYou have to remember that it could have been much worse. And many other people have suffered from the floods. It91Ƶs not just us.91Ƶ

The couple plans on taking advantage of some counselling offers to help deal with what they91Ƶve been going through.

One thing that91Ƶs taken a toll is the endless delays and disappointments. Their daughter got married in September and they weren91Ƶt able to host any family. When they needed to buy rock to shore up the slope that gave way, they struggled to find any because most was going towards rebuilding the Coquihalla highway.

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91ƵIt91Ƶs just one thing after another,91Ƶ Ruth said.

Despite all of this, Ruth91Ƶs business has not missed a single day 91Ƶ even during those horrific first few weeks.

91ƵStaying busy with work has actually helped,91Ƶ she said.

For now, they have chosen a contractor and are working to have the house restored. This includes fixing the well water system that was destroyed.

Dean said this disaster has exposed how 91Ƶfragile91Ƶ the system is for helping victims.

But the landslide has also given them hope when they see how people have supported them. One of Ruth91Ƶs customers has digging equipment and pitched in to remove a huge amount of debris just so they could access the home. Other people gave generously to the GoFundMe campaign.

The couple said the City of Mission has been good to deal with as far as permit approvals. They also praised MLA Pam Alexis with helping them navigate the provincial system.

91ƵI often say now that we91Ƶre the luckiest unlucky family around,91Ƶ Dean said.


 


chris.campbell@missioncityrecord.com

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Chris Campbell

About the Author: Chris Campbell

I joined the Victoria News hub as an editor in 2023, bringing with me over 30 years of experience from community newspapers in Metro Vancouver and the Fraser Valley
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