Welcome to Truck And Tools Disaster Assistance pages.
Use the Disaster Recovery menu links to find information related to FEMA declared disasters, HUD CDBG-DR, SBA disaster loans and your state agencies which manage your local disaster recovery programs.
Your disaster recovery success will be directly related to the amount of effort you put into your overall recovery.
Below you're find an index of articles in order of publication. To narrow your search use the Disaster Recovery menu categories then use word search located near the end of each index page. Articles will appear first with indexing of other articles related to the category and search word you have used.
If you can not find the answer to your question feel free to use the Comment | Suggestion | Feedback form located at the end of every article to ask your question.
I do not provide public assistance or any fee based or individual assistance. I do read comments, suggestions and feedback and will research any topic you present that is not currently covered and related to the categories listed in the disaster recovery menu.
Example: "My mobile home was on property not in my name but the mobile home is in my name and was damaged by Hurricane Ida. How do I prove I lived in the home before the disaster date so I can be eligible for HUD CDBG-DR grants?"
Louisiana homeowners the 2022 Atlantic hurricane season is here and you're not recovered from the 2020 storms.
by Murray Wennerlund published 5-30-2022
Louisiana homeowners on average add 33 percent of their storm disaster debt to their household which means nearly all homeowners after the home sustains major to sever damage typically costs more than insurance and grants will cover.
How to write an appeal to have HUD CDBG-DR grants reimburse NFIP insurance funds used to payoff home mortgage.
by Murray Wennerlund published 5-26-2022
How to write an appeal for CDBG-DR reimbursement to cover NFIP insurance funds used by mortgage lenders to payoff mortgage after a disaster left your home substantially damaged. Mortgage lenders will protect their interest with your insurance payment.
Louisiana Community and Technical College System (LCTCS) to expand heavy equipment operator training courses
by Murray Wennerlund published 5-22-2022
Patrick Forbes Director of the Office of Community Development - Disaster Recovery Unit and Chair of the Louisiana Watershed Initiative has announced the Flood Ready Workforce Development Program which provides heavy equipment training funded by HUD CDBG
Flood Ready Workforce Development Program funded by 2016 flood grants pays for heavy equipment training.
by Murray Wennerlund published 5-19-2022 updated 5-26-2022
Its not clear if you have to pay up front, complete the training then request reimbursement from the OCD-DRU who is using Homeowner grant funds to pay for the future of their coastal project labor pool. In any case, 2,000 isnt much for employment.
After a disaster your insurance may be used by your lender to pay off your mortgage forcible or compulsory.
by Murray Wennerlund published 5-18-2022 updated 5-29-2022
How to navigate a Forced Mortgage Payoff by your mortgage lender. When your insurance payout is taken by your lender to payoff your mortgage it's to protect the lender from default, property change of ownership.
Low and Moderate income households should never sign for any SBA Disaster Loan without consulting CDBG-DR
by Murray Wennerlund published 5-18-2022 updated 5-26-2022
Homeowners often sign for SBA loans because it sounds like the best offer. For personal property replacement loans, yes, for home repair loans no. No if your household is 80% AMI or below which is low to moderate income. HUD CDBG-DR for home repair.
Prohibition on disaster assistance for households above 120 percent AMI for failure to obtain flood insurance
by Murray Wennerlund published 5-18-2022
If you are living in a SFHA otherwise known as the 100 year flood zone and are earning more than 120 percent AMI you should be able to afford your flood insurance no matter if you are required to purchase flood insurance or not.
Restore Louisiana Mobile Home MHU Replacement Policy published 7-17-2019
by Murray Wennerlund published 5-17-2022 updated 5-29-2022
Louisiana has fought over the replacement costs for mobile homes for years. Reimbursement for the total amount has always been the goal but the state of Louisiana OCD-DRU has done everything to not give enough to replace MHUs for safe housing.
Using Loopie Slings and forklift to set 3 ply LVL 36 feet long.
by Murray Wennerlund published 5-3-2022
I used my loopie slings over the forks and rigged them so the 36 long 500 lbs beam would roll in place as I lifted it off the columns. The loopie slings really made rigging easy and with a little logical thinking, things just roll into place.
Window flashing IRC 2015 R 703.4 Flashing requirements. How to make window flashing logical and mechanical.
by Murray Wennerlund published 4-24-2022 updated 4-25-2022
Your window installer wants to wrap your water-resistive barrier (WRB) aka House Wrap inside onto your window jamb. You worry about water entering the window from your drainable WRB channels. Let's look at code requirements and give this process a review