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

Homeowner Contractors information and resources for a better understanding of insulation.

by Contributor published 1-28-2021
Lists of articles which offer information about insulation and insulating your structures.

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Ask us about H.R. 133 Section 324 titled Save Our Stages (SOS) Shuttered Venue Operator Grants

by Murray Wennerlund published 1-26-2021 updated 2-10-2021
Section 324 Summary of H. R. 133 Save Our Stages (SOS) Shuttered Venue Operator Grants Questions with Answers. Be sure to submit your question using the form near the bottom of this article. I will be updating this section as changes are published

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601-Identity Validation Required for your Unemployment Claim by the state of Louisiana Work Force Commission

by Contributor published 1-14-2021 updated 1-15-2022
In an effort to prevent fraudulent claims, the state is requesting from many unemployed due to the pandemic and other reasons additional proof of identity. Requiring a Selfie holding your drivers license and social security card.

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FEMA Remote Home Inspections after Hurricane Laura August 22, 2020 Homeowners DIY Verified Loss assessments.

by Murray Wennerlund published 1-12-2021
COVID-19 protections allow FEMA to conduct remote inspections from August 22, 2020 on. This will now require the homeowners and property owners to collect all the damage assessment information. Do homeowners have FEMA Verified Loss training? Not yet, but.

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Louisiana Division of Administration contractor EMERGENT METHOD LLC

by Contributor published 1-11-2021 updated 1-15-2022
Disaster Recovery contractors hired by the State of Louisiana Division of Administration and its agency department OCD-DRU who manages federal taxpayer funded programs.

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Louisiana Division of Administration contractor INNOVATIVE EMERGENCY MGT IEM Inc.

by Contributor published 1-11-2021 updated 1-15-2022
Disaster Recovery contractors hired by the State of Louisiana Division of Administration and its agency department OCD-DRU who manages federal taxpayer funded programs.

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SECTION 324. GRANTS FOR SHUTTERED VENUE OPERATORS.

by Murray Wennerlund published 1-11-2021 updated 1-26-2021
Eligible person or entity means a live venue operator or promoter, theatrical producer, or live per forming arts organization operator, a relevant museum operator, a motion picture theatre operator, or a talent representative that meets the following

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What the SBA Office of Inspector General believes is Suspicious Activities and Suspected Fraud with EIDL apps.

by Murray Wennerlund published 12-31-2020
When the president signed the Coronavirus Preparedness and Response Supplemental Appropriations Act on March 6, and the Coronavirus Aid, Relief, and Economic Security Act CARES Act on March 27, the SBA OIG raised the warning flag to the SBA Director.

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Elevation IRC 2015 Section R322.2.1 requirements do not match those of HUD CDBG-DR or CDBG-MIT requirements

by Murray Wennerlund published 12-6-2020
Elevation IRC 2015 Section R322.2.1 requirements do not match those of HUD CDBG-DR or CDBG-MIT funded disaster recovery projects.

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Louisiana playing the insiders game taking disaster funds from the taxpayers and giving it to it's contractors

by Murray Wennerlund published 11-30-2020 updated 1-15-2022
Nationally we are seeing just how simple it is to take back funds allocated to help during a disaster. From a federal level all the way down to state levels, disaster allocations are always looked at as a pot of gold for local government as long as they..

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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. 

 

 

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