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

SBA EIDL response to Major Disaster for the State of Louisiana, Texas, and Arkansas regarding Hurricane Laura

by Murray Wennerlund published 9-10-2020
If you absolutely have no choice but to apply for a 30 year fixed interest loan from the SBA for your Economic Injury that your business suffered as a direct result of damage from Hurricane Laura the SBA EIDL is available if you have no other options.

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What is FEMA Public Assistance (PA) and what is a PA Category?

by Contributor published 9-7-2020
What do you need to follow when your disaster area is setup with federal taxpayer dollars for Public Assistance? You need to watch what is on your governments agenda for spending to make sure the PA funds go to more services for the citizens.

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How to Appeal FEMA Determinations for Louisiana Hurricane Laura (DR-4559-LA)

by Murray Wennerlund published 9-7-2020
I have covered Verified Loss as well as eligibility determinations by FEMA. Now I will cover the appeals process posted by FEMA for other disasters such as Hurricane Laura DR-4559 8-28-2020.

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Hurricane Laura FEMA Sequence of Delivery for Disaster Assistance

by Murray Wennerlund published 9-3-2020
To help educate how FEMA interacts with disaster victims I will share with you the order of events and as many resources that I can find that are funded and ready to assist you the disaster victim.

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SBA 7(a) loans and SBA Economic Injury Disaster Loans calculated using 7(a) processes SOP 50 10

by Murray Wennerlund published 9-3-2020
During any declared disaster in which businesses can provide proof of economic injury or in simple terms loss of revenue as a direct result of the disaster the business will still be required to qualify for the loan based on the ability to repay the loan.

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Self-Help Homeownership Opportunity Program (SHOP)

by Murray Wennerlund published 9-2-2020 updated 10-30-2020
The Self-Help Homeownership Opportunity Program SHOP offers major not for profits the opportunity to purchase and make ready for some real sweat equity and volunteer-based homeownership programs for low-income persons and families.

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Blue Tarp Roofs on a Gray Day campaign

by Murray Wennerlund published 8-30-2020
We are assisting home and business owners with Blue Tarp services as well as temporary roof repairs from not for profit organizations to for profit companies that can work with your insurance companies offering temporary repairs.

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Temporary Housing , housing assistance, mortgage and rental assistance, shelters, homeless prevention

by Murray Wennerlund published 8-30-2020 updated 5-11-2021
This list identifies the most common housing assistance programs in the state of Louisiana. Other states will have the same federally funded programs with similar organizations. Be sure to check the HUD Exchange website for your state.

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The 2020 pandemic disaster intensifies past disaster by pushing up the costs to rebuild by over 80% nationally

by Murray Wennerlund published 8-29-2020 updated 8-30-2020
What started as a calm murmur of the possibility that disaster victims will be paying more for materials to recover after a disaster has turned into a loud distress siren. Between pandemic caused reduction in soft wood production and 20 import tariffs.

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SBA Forms to include SBA Form 3502

by Contributor published 8-6-2020
Hard to find forms that the SBA claims are attached to the email you were sent.

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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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