Not all Federal Grant Dollars that are classified a Duplication of Benefits counts against you.


If you have had any experience with a natural disaster you know the term "Duplication of Benefits". But do you know they are not always the same when it comes time to tally up the grant money and assign it to your recovery project?

By Supervisor published 5-31-2018 updated 12-15-2018 4 min. 42 seconds read viewed 964 times. Download PDF

The best example is ICC which stands for Increased Costs of Compliance.
This typically is when you are looking to protect your assets from repeated damage from disasters.
Elevation is on that list of mitigation items you are reviewing to prevent future disaster claims.

Let's take our typical homeowner case after a disaster.
We'll focus on homeowners that have Flood (NFIP) insurance because it is only those that have the additional insurance that qualify for ICC (Increased Costs of Compliance)

Let's say your home flooded in the 2016 Floods DR4277

  • Estimated home structural repairs: -$100,000
  • FEMA Grant IHP Homeowner Repairs: +$30,000
  • NFIP Repair Payments +$100,000
  • Elevation Costs: -$120,000
  • ICC awarded due to Elevation Costs: +$30,000

Total Repair Costs with Mitigation for Elevation = $220,000 (Costs)

Total Grants Awarded: $30,000 (DOB)
Total NFIP Payout: $100,000 (DOB)
Additional NFIP ICC: $30,000 (DOB)
Total of all DOB Payouts: $160,000

Total Project Costs $220,000
Less Benefits (DOB) $160,000
Balance UNMET needs: $60,000

In this case the homeowner still has $60,000 in UNMET needs which can be then picked up in part or whole by another federal grant program such as HUD CDBG-DR.

In our case the dreaded Duplication of Benefits issue isn't an issue simply based on the total dollar amounts needed to mitigate and repair the example home.
Each case is different so don't count out HUD CDBG-DR Grants simply because your neighbor told you your DOB is very high. Your neighbor doesn't know the whole story and the true costs to mitigate after a disaster.

I'll explain in more detail.

In the above case example the homeowner opted to Mitigate and would be using one of the FEMA plans; Hazard mitigation Grant Program, Pre-Disaster Mitigation Program, Flood Mitigation Assistance Program.

What is a Duplication of Benefits?
Under the Hazard Mitigation Assistance Programs it is when you receive or will receive or could receive if available to the homeowner any assistance from any federal source that can offer federal assistance money.
DOB is really about not doubling payments for the same repair or project or collecting more money than actually needed for the repairs or collecting additional money so to make repairs and enhancements to property for increased value and not increased mitigation concerns.

The duplication of benefits can happen at any time and many times the homeowner is not aware that the benefits are actually a duplication.
Fraud applications are very low when compared to actual valid claims.
During the grant cycle from one federal grant to the next additional monies may be provided or be available.
The "Available" funds could be in the form of a Secured Federal Loan from the SBA simply called a SBA Loan.
This is the "Reasonably Available" to money part that federal, State (Grantee) and Local (Sub-Grantee / Sub-Recipient) governments identify most often.

It's the homeowner that is responsible for reporting any possible duplication of benefits to the Subgrantee which will then report to the Grantee (State level) then to FEMA or the main federal agency offering the grant.
A duplication "Review" for a lack of a better term can happen at anytime.
During the application process before even being approved for the grant a DOB check is made.
During the actual grant period distributing the money audits can be made and if DOB is detected adjustments to the grant award made.
During the closing of the grant a review could detect DOB.
After the grant closing for many years if any funds are received at a later date these would also be a duplication of benefits if they are given for the same project.

The property owners need to report any possible DOB to not put in jeopardy additional grants that you are applying for.
Property owners also need to be very realistic with the actual money awarded to each project. It is very rare to hear a homeowner / property owner was ever given enough to completely repair to pre-disaster conditions. We always see additional costs, material costs, labor costs increase which are not covered.

Be wise with the grant money and you may actually be able to recovery from the disaster without to much additional debt.



Comment | Suggestion | Feedback

FEMA Trailer and MHU program ends 18 months after a disaster declaration date.

Your states governor will need to submit to FEMA an extension for the temporary shelters. The extension will come at a price which your governor may pay for out of state funds or charge the occupants based on income or a flat monthly fee typically 50.00.

by Murray Wennerlund published 1/10/2022 updated 1-11-2022 4 min. 0 seconds read

Continue Reading

FEMA Appeal Process Information the additional information found within your application.

The appeal process I posted years ago is still valid. I am adding this additional information after Hurricane Ida in 2021 which is located online in your application to FEMA. Look to my other resource for a sample of the appeals letter.

by Murray Wennerlund published 9/20/2021 updated 12-31-2021 10 min. 48 seconds read

Continue Reading

Where can I find the online Operation Blue Roof application form? Not at

Its not unusual to not find the online registration form for Operation Blue Roof provided by the US Army Corps of Engineers. Its also not unusual to not find a local signup location. Let me share with you what I found Sept. 9, 2021 for your Blue Roof.

by Murray Wennerlund published 9/9/2021 2 min. 1 seconds read

Continue Reading

Will FEMA reimburse me for buying a chainsaw or a generator? Maybe, but most likely no.

Read all warning labels: FEMA News and Press Releases may not be as they seem. They will not link policy or training. Statements made in press releases to be true have to be backed up with official policy documents and / or Federal Register publications.

by Murray Wennerlund published 9/8/2021 updated 12-9-2021 11 min. 47 seconds read

Continue Reading

Transitional Sheltering Assistance (TSA) Program from FEMA

FEMA on Sept. 2, 2021 has activated the Transitional Sheltering Assistance TSA program that will provide temporary housing for those who have been displaced by Hurricane Ida. This program only pays for the Room and the Taxes on the room and nothing more

by Murray Wennerlund published 9/7/2021 3 min. 36 seconds read

Continue Reading

What you will find on your substantial damage letter generated by FEMA Substantial Damage Estimator software

A detailed look at what you will find on your FEMA Substantial Damage Estimator SDE output. For more details about each section I recommend that you read the SDE 3.0 User Manual and Field Workbook published by FEMA for the SDE software.

by Murray Wennerlund published 5/2/2021 1 min. 6 seconds read

Continue Reading

FEMA's Disaster Sequence of Events

What we need to assist more disaster victims is this flowchart for Federal Assistance. FEMA to HUD / SBA Flowchart for a more balanced recovery process based on ability to take additional household debt.

by Murray Wennerlund published 4/27/2021 2 min. 10 seconds read

Continue Reading

How to Appeal Substantial Damage assessments conducted by FEMA or your municipality.

Substantial Damage determinations at times can cause additional disaster debt burden beyond what the homeowner can financially manage. When we need to contest or appeal the substantial damage report we need to follow federal and your municipality policy.

by Murray Wennerlund published 4/24/2021 updated 5-3-2021 12 min. 18 seconds read

Continue Reading

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

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

by Murray Wennerlund published 4/23/2021 updated 12-31-2021 6 min. 29 seconds read

Continue Reading

Renters Can Apply for FEMA Assistance

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.

by Murray Wennerlund published 2/21/2021 updated 4-25-2021 5 min. 31 seconds read

Continue Reading