FAQ#: 108 published 3-25-2019
Start your Long Term Recovery process by learning what federal and state services are offered after a declared disaster.
IA (Individual Assistance)
Taking the event order you will be offered a small amount of grant money if any for IA. This is a safe grant and will not be used against you later as long as it is for rental or during the time you were suffering and that is during the disaster. If you lost your home or apartment this IA grant may pay for Hotels, Apartments, or other shelter directly. What they give you in form of a check is to cover your time between the disaster and when you get into a rental agreement that they will pay directly. Take the IA money.
IHP (Individual Household Program)
This is where we say think before you accept anything. If it's a grant you receive this money can only be used on repairing your home. But, if your home is a Manufactured home this money will count against you for later grants. Also, if you purchase appliances, furniture, hot water heater, bedding, clothes you will be penalized for those purchases later. This is to make your home safe to live in but also doesn't not count as funds for rebuilding as your home was prior to the disaster. You must understand that every dollar of IHP will be counted against you with other programs so you must spend that money you have recieved only on items that other programs will not offer you grant money for or toward the final repairs of your home.
More Information and Resources.
ONA (Other Needs Assistance)
To date we have not had any reports of anyone being awarded ONA grants which can be used for anything from clothing to vehciles. We do know that nearly everyone that lost a vehicle was told if you applied to the SBA and were "Declined" by the SBA FEMA may award you the ONA. We find this FALSE based on the fact that the SBA will qualify you for collateral loans and if you own a home even with a mortgage they will create you an approved loan amount that will disqualify you from any ONA grant. This grant is not actually my opinion worth applying for because FEMA requires you to apply for a SBA loan first. More information and resources.
NOTICE: FEMA will tell you that you will have to apply for the SBA Disaster Loan to be qualified for ONA Grant money. The only way to be awarded ONA Grant money from FEMA is to be declined by the SBA which only happens under extreme or adverse conditions. 1. You are a known terrorist or enemy of the state and country. 2. You are in prison. 3. Your household has no verifiable income. 4. You are dead.
SBA Disaster Loan Program (By default we say NO to any SBA loan application.)
Be very careful and be aware of the risks you are about to take when you are asked or told to apply for an SBA Disaster Loan. These are LOANS and NOT GRANTS. These are not Business Loans that are forgiven after 5 to 7 years. These are loans which the SBA will offer you even if you have no created an income of $18,090 Net per year as long as you have collateral or assets they will approve you a loan.
In all cases and all income levels it is important to calculate your recovery funds and your ability to acquire conventional loans, borrow from family, friends, draw from your retirement saves, etc. Once you select an SBA loan even if you do not take the money but you have executed the loan and then backed out or cancelled the loan that money will be used against you as available disaster recovery funds later when you are offered HUD CDBG-DR grants. We have many homeowners that are willing to share their experiences with you directly about the SBA loan process. Most will tell you to seek other assistance and avoid the application process of the SBA Disaster Loan program completely. Read what a 35 year retired OCD-DRU director has to say about the program and take the words seriously. Say No to the SBA Loan, read more.
Renter's or Homeowner's Declaration required by the CDC to prevent evictions before Dec. 31, 2020 or if extended the new date.
FAQ#: 261 published 12-6-2020 updated 12-12-2020 4 min. 14 seconds read
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I am not a U.S. Citizen but my business meets all the other criteria for a COVID-19 EIDL will I get a loan?
FAQ#: 310 published 11-30-2020 8 min. 24 seconds read
I was not told why my SBA EIDL was declined. Does the SBA send a reason code or declined reason by letter?
FAQ#: 447 published 11-30-2020 1 min. 28 seconds read
FEMA Disaster Assistance for Individuals and Households Program which is provided for temporary repairs of your home so you are not dependent on other housing assistance and is not a Duplication of Benefits (DOB) to other assistance and HUD CDBG-DR Grants
FAQ#: 446 published 11-13-2020 1 min. 24 seconds read
Did your state inform you that you qualify for federal assistance only to later deny you assistance based on state created policy or procedure? Is your home listed as being in one of the most impacted areas? Do you have proof your state accepted you into the federally funded HUD CDBG-DR grant program? Contact us about your experience.
Louisiana Workforce Commission LWC filing your DUA and PUA with the expectation of a backdated FPUC.
FAQ#: 413 published 11-8-2020 1 min. 12 seconds read
Louisiana Workforce Commission note, Start of new calendar quarter may require some to file a new unemployment
FAQ#: 434 published 10-4-2020 1 min. 49 seconds read
We have hundreds of homeowners looking for experienced trade professionals. We only ask for proof you are who you say you are. It's time you publish your work, from start to finish and show details so we can all see your quality. Homeowners are sick and tired of day labor contractors. Follow this link to create your account.
Temporary Halt in Residential Evictions to Prevent the Further Spread of COVID-19 An unpublished Notice by the Centers for Disease Control and Prevention on 09/04/2020
FAQ#: 416 published 9-3-2020 12 seconds read
TruckAndTools.Com - Google News
Read full articles from TruckAndTools.Com and explore endless topics, magazines and more on your phone or tablet with Google News. TruckAndTools.Com - Google News.
I made a mistake listing my revenue when I applied for the SBA EIDL, I would like reconsideration for the loan.
FAQ#: 386 published 9-1-2020 2 min. 32 seconds read
You make it your concern to help others by providing much needed information. You take all disaster recovery issues facing homeowners today and make them your Matters Under Review. If this sounds like you, visit Matters Under Review (MUR) for more information.
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