Disaster Assistance, how to begin.
Recovering after declared disaster takes time and knowledge of federal policy and process.

Livingston Parish RE: Notification of Substantial Damage and NFIP Non-Compliance

by Murray Wennerlund published 4-23-2021 updated 12-31-2021
FEMA Substantial Damage notice dated April 19, 2021 and sent by the Livingston Parish LOHSEP to homeowners. It is estimated that more than 3,800 homeowners have been requested to follow the FEMA mitigation policies that should have been processed in 2016

Continue Reading

American Rescue Plan Act Duplication of Benefits concerns and alerts

by Murray Wennerlund published 4-8-2021 updated 1-15-2022
SVO Grant is a duplication of benefits with the SBA EIDL and any PPP Draw. A duplication of benefits occurs when your business including self-employed gig workers receives financial assistance which can be in the form of federal secured loans

Continue Reading

American Rescue Plan Act of 2021 SEC. 5002. TARGETED EIDL ADVANCE.

by Murray Wennerlund published 3-28-2021 updated 4-25-2021
EIDL Advance is to make payments to covered entities that have not received the full amounts to which the covered entities are entitled under section 331 of the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act.

Continue Reading

American Rescue Plan Act of 2021 SEC. 3201. EMERGENCY RENTAL ASSISTANCE.

by Murray Wennerlund published 3-28-2021 updated 1-11-2022
I have clipped the sections of rental assistance that will match your states housing assistance agencies. Your state will have a HUD program which will process your claim. If you were unemployed for the year 2020 you will qualify in nearly all cases.

Continue Reading

SBA Disaster Recovery Loans Group is teaming up with financial, tax, and loan processors.

by Murray Wennerlund published 3-18-2021 updated 4-26-2021
The COVID-19 pandemic has forced hundreds of small business owners to search the internet for DIY assistance with SBA and US Treasury programs. From the CARES Act we will merge into the American Rescue Plan of 2021 with proper business planning.

Continue Reading

Is the increased cost of building materials in 2020, 2021 making your disaster recovery impossible to afford?

by Murray Wennerlund published 3-6-2021 updated 3-21-2021
Do you know HUD 2019 Guidance? Have you researched the meaning of, "Reassess Unmet Need When Necessary". Has your state informed you of their reassessment processes? Can you manage the additional cost caused by the 2020, 2021 pandemic economic downturn?

Continue Reading

Renters Can Apply for FEMA Assistance

by Murray Wennerlund published 2-21-2021 updated 4-25-2021
Renters, your FEMA assistance is called Individual Assistance or IA. FEMA can and should offer you grants to replace some of the items you have lost. This is not a substitute for renters insurance and this is not going to make you whole again.

Continue Reading

SNAP FORM 38 Statement Regarding Food Lost in a Household Misfortune

by Murray Wennerlund published 2-19-2021 updated 1-15-2022
Did you lose all the food in your refrigerator because of the storm that cause you to lose power for more than 24 hours? Were you told that you do not qualify for SNAP replacement by the state or by anyone else? Lets get your paperwork filed today, now.

Continue Reading

Building Material Suppliers List

by Murray Wennerlund published 1-28-2021
Building Material Suppliers List

Continue Reading

SBA Targeted EIDL Advance Grant

by Contributor published 1-28-2021
COVID-19 Targeted EIDL Advance was signed into law on December 27, 2020, as part of the Economic Aid to Hard-Hit Small Businesses, Non-Profits, and Venues Act. The Targeted EIDL Advance provides businesses located in low-income communities.

Continue Reading

Our Federal Government Policy for disaster assistance labeled "Sequence of Delivery" for Disaster Relief and Assistance follows two standards that will seriously harm more than 35% of all disaster survivors in any state, county or parish in the United States of America. If you are below average income levels for your community you are in a group that can not afford to take on additional debt. The debt the federal government is going to ask you to take is equal to the total of your disaster recovery costs. Congress pushed to have all disaster survivors take SBA Disaster Loans after applying for FEMA temporary disaster relief. The Small Business Administration Disaster Recovery Loans will grant loans to income groups labeled Low Income by using real property as collateral. The SBA and FEMA will not tell you about other federal disaster assistance that is available to you that is not listed in their sequence of delivery. In fact, your state governors disaster response team will not mention anything outside of the same FEMA sequence of delivery for disaster relief. 

This year it's more important to understand what is available to you and to limit the amount of household debt you place on your working members of your family. In Louisiana we have a serious issue with programs being setup to be reimbursements instead of grants. Grants are given for a specific purpose and you apply those funds as instructed by the grantee. In the state of Louisiana the Governors office to the director of the grant programs feels homeowners would rather purchase a new truck than to repair their home damaged in the disaster. This was stated publicly April 13, 2018 by the director of the OCD-DRU who is responsible for over $1 billion in disaster aid yearly. 

Issues with reimbursement programs are numerous for low to moderate income (LMI) households. Many LMI households mistakenly use FEMA disaster relief funds incorrectly and end up counting against them. A LMI family that received $30,000 to make temporary repairs to their home would have that $30,000 in temporary repairs deducted from any additional relief funds that are provided by the federal government. Many people used a part of their temporary repair funds to purchase vehicles after the flood to be able to return to work. Others spent the FEMA assistance on appliances, flooring, and other items that did not fall into the approved items list of other programs. When you are found to have been given duplicative grants or assistance you have to return the funds before you can receive additional funds. Some programs will allow you to show the work completed with the funds and credit you toward additional grants. 

If you received $30,000 from FEMA then were offered $65,000 from another grant program the $30,000 from FEMA would be considered a duplication of benefits from federal disaster assistance programs.  Your $65,000 grant would be reduced by the amount of the FEMA grant. Most states follow their own policies which they create after each disaster. They are not held responsible to assist anyone with the federal funds distributed to the states. In fact, if the state finds you ineligible for any reason from not cooperating with state workers to moving too slow with your recovery efforts they will terminate your funding before it's issue. 

The Number One Rule for LMI households is to refuse the SBA loan offered and to wait out the federal governments push to have you adsorb all debts related to the disaster. Calculations show that after each disaster the LMI household looses 33% of their total net worth if you follow the federal sequence of delivery. This means after your 3rd disaster your household is unable to recover from future disasters and your debt is more than your total assets leaving your net worth at zero or less than zero. This is when homes start their decay phase and does not stop until the property is sold and the family reduces their disaster debt.  

We have been working with hundreds of disaster victims and providing oversight of state programs. We are also disaster survivors rebuilding after the 2016 floods in Louisiana. It's not easy, we know more reasons to take the easy way out and just give up and accept the total disaster debt on your shoulders. Your state would appreciate you dropping out of the program because they will transfer the federal grant funds allocated to you to a state managed program that will not assist homeowners with their disaster debt. The state of Louisiana averages 35% of households are labeled as dropouts or as they state, "Voluntary withdrawal from the Grant Program." 

Voluntary withdrawal includes: 

  • State rescinds (terminates) your grant for their own reasons and will not tell you about your right to appeal.
  • State rescinds your grant because you argue with your state hired call center worker claiming if you do not corporate with temporary call center workers those workers can request your grant be terminated.

You get the picture, you will voluntarily withdraw from the program if you do not follow program policy as it is created. Policy does not have to be made public and can be back dated. Your Voluntary actions may not seem so voluntary when you are not told you can appeal the states effort to remove you from grant programs. Thousands of homeowners have been terminated for policy reasons that didn't need to be terminated. It's of no fault to the homeowner that their income limits their recovery time. It's grant programs that are designed to help the low to moderate income households but those same programs allow states to create policy that allows the state not to distribute grants to households so they can rebuild after the disaster. 

Read more within the pages of this site. Learn how to ask questions and learn what the federal programs are offering you for disaster recovery. 

 

 

Share on Twitter
Share on LinkedIn
Share on Pinterest
Share on Reddit
TruckAndTools.Com News