Do Not Allow Disaster Stress to cloud your logical thinking and rational thought processes. The SBA will key in on your suffering and make the SBA Disaster Loan sound like a Government Gift Basket.

FEMA has some great media information, but like all glossy handouts, its missing the actual end user experiences and feedback. We never find customer complaints and it's always missing information they just seem to not share with disaster victims.

You should know your AMI percentage to get an idea of what other grants may be available to you in the near future. The IA and IHP FEMA grants are for specific items or components of your home.

After you have read part one this is the part that ties it all together. This is from our 2016 Floods and our experience with FEMA Grants and the Duplication of Benefits issue we all face when HUD CDBG-DR grants become available.

Our experience tells us to identify 2 factors before applying to FEMA for any type of grant award. You MUST apply to FEMA if you plan on asking or using any federal assistance or non profit groups. Applying to be issued an FEMA Disaster Account ID.

FEMA may have awarded you up to 30,000 in Individual and Households grants called IHP and they may have listed that this grant is for Home Repairs. Your letter will say home repairs and you might think everything in your home is repairable, right?

Appeal FEMA using these two sample pages and documents to write your appeal to FEMA and your states CDBG-DR for those that have not been allowed into the program because of the FVL FEMA Verified Loss being below 8,000 or 12" of water.

When you depend on government to share information that is vital for your disaster recovery planning be sure to start listening to your intelligent, knowledgeable, honest, trustworthy, caring local government officials like [ENTER MYSTICAL NAME HERE]

When more than one request for information regarding rules and policy of boards and commissions went unanswered, we were forced to bring into question if the Louisiana Task Force was breaking Public Input policy as shown in JBE-2016-65.

Disaster declaration for the State of Texas DR-4377, dated July 6, 2018. Amended to include the following area Jim Wells County for Individual Assistance. Review your FEMA to SBA referral very carefully and before you apply to the SBA know what to expect.