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From: Aaron []
Sent: Tuesday, August 21, 2018 12:16 PM
To: Johnny Bradberry

Subject: SBA Declined

Good afternoon,
My name is Aaron. I am writing you today in support of Mr. Murray Wennerlund's public input sent to you Thursday the 16th of August. I encourage you to place the solution for the SBA Declined loan issue on the Task Force agenda and to vote in favor of the policy to follow public law 115-123 as official state guidance for the estimated 3,800 Louisiana citizens that declined the SBA loan.
Thank you for your time.

Baton Rouge La, 70816

From: Johnny Bradberry
Sent: Tuesday, August 21, 2018 2:00 PM
To: Lori Dupont

Subject: FW: SBA Declined

FYI---Got this today----I have not received a communication on August 16th as indicated here. Please pass on to Pat for review.
Johnny B. Bradberry
Executive Assistant to the Governor for Coastal Activities
CPRA, Chairman
225-342-7669 phone

From: Adam Knapp
Sent: Wednesday, August 22, 2018 5:17 AM
To: Pat Forbes; Dan Rees
Subject: Fwd: SBA Declined

Another one of these

Begin forwarded message:
- - -
(225) 278-3708

From: Jimmy Durbin
Sent: Thursday, August 23, 2018 7:19 AM
To: Lori Dupont

Subject: Fwd: SBA Declined



Sent from my iPhone
Begin forwarded message:

From: Lori Dupont
Sent: Thursday, August 23, 2018 7:23 AM
To: 'Jimmy Durbin'

Subject: RE: SBA Declined

Thanks for forwarding to me, Mr. Durbin. We are currently working on a response and will include the TF members when we do.
Also, the next task force meeting is tentatively scheduled for Tuesday, September 25, in Ouachita Parish (this hasn't been announced and the actual location has not been decided on) – would you be able to travel to Ouachita on that day and chair the meeting?

Kindest Regards,
Lori Dupont
Executive Assistant to the Executive Director
Office of Community Development-Disaster Recovery Unit
State of Louisiana

From: Jimmy Durbin
Sent: Thursday, August 23, 2018 5:16 PM
To: Lori Dupont

Subject: Re: SBA Declined

Yes, I am happy to do so. Please update me on the location.

Sent from my iPhone

From: Jimmy Durbin
Sent: Thursday, August 23, 2018 5:17 PM
To: Lori Dupont

Subject: Fwd: SBA Decline


Sent from my iPhone
Begin forwarded message:

From: Wallace Aultman
Date: August 23, 2018 at 1:37:18 PM CDT
To: "" , "" , "" , "" , "" , "" , "" , "" , "" , ""

Subject: SBA Decline

I am writing to you today in support of Mr. Murray Wennerlund's public input sent to you Thursday the 16th of August. I encourage you to place the solution for the SBA Decline loan issue on the Task Force agenda and to vote in favor of the policy to follow public law 115-123 as official state guidance for the estimated 3,800 Louisiana citizens that Declined the SBA loan because it would have been a hardship on them financially.

Thank you for your time and consideration in this matter.
Wallace Aultman
Prairieville, LA 70769

Sent from Mail for Windows 10

States Response and Wennerlunds Proposal:

From: Lori Dupont on behalf of Pat Forbes
Sent: Thursday, August 30, 2018 11:19 AM
To: 'M W'
Cc: Adam Knapp; Commissioner Mike Strain; Darryl Gissel; Don Pierson; Dr. James Richardson; Shawn Wilson; Jacqui Vines Wyatt; Jimmy Durbin; John Gallagher; Johnny Bradberry; Mayor Dave Norris; Mayor Ollie Tyler; Mayor-President Joel Robideaux; Michael Faulk; Michael Olivier; Randy Clouatre; Representative Edward "Ted" James (2); Representative J. Rogers Pope; Representative Robert Shadoin; Roland Dartez; Sean Reilly; Senator Dan "Blade" Morrish; Aimee Richard; Arlene Adger; Barbara Marrable; Becky Perret; Cami Barlow; Enger Kinchen; Jane Lambert; 'Jayne Norton'; Julie Simms (; Karen Brown; Karen White; Kimberly LaMotte; Michel Zambo; N Jarreau; Nancy Collie; Paine Gowen; Rhea Victorian; Rhonda Byrd; Sabrina Sentino; Susan Wassan

Subject: Murray Wennerlund, Task Force Public Input: Citizens Proposed SBA Disaster Federal Assistance Declined Solution

Attachments: CDBG-DR-Duplication-of-Benefit-Requirements-and-Provision-ofAssistance-with-SBA-Funds - Copy.pdf

Mr. Wennerlund,

Thank you for reaching out to the Restore Louisiana Task Force with both information and recommendations. As you know, the Governor and the Congressional delegation agree with your interpretation and have been working to correct this consideration of the SBA loans as a duplication of benefits. Unfortunately, we have, as yet, not received what we are looking for. Namely, either guidance from HUD clarifying that funds not drawn by an applicant do not count as DOB, or passage of federal legislation prohibiting federal agencies from counting loans as DOB. Until we get either of those, we are compelled by our obligation to spend the funds in compliance with HUD and other federal guidance. To not do so would put all the funds spent non-compliantly at risk of federal recapture.

The important distinction in this debate between the state and HUD is about the word "declined." HUD has so far insisted that “declined” means the homeowner never closed on the loan. We contend, like you, that "declined" means the funds were never drawn, regardless of whether the loan closed or not. Unfortunately, we must follow HUD's directions until they either change their interpretation, as requested by the Governor in April (, or Congress passes the necessary legislation and the President signs it into law.

I mentioned above a letter from the Governor to the HUD Secretary about this matter. HUD's response to this letter references HUD's guidance of July 25, 2013 guidance. At this time, this guidance represents the rules we must follow. We are eager to assist those who have been approved for SBA loans and, as you've pointed out, have the funds available to do so. We are in complete agreement about the need to correct this issue, but it is not accurate to say that it is within our authority, under the current guidance, to provide funds to those who have been approved for an SBA loan and closed on that loan, regardless of whether they have drawn the funds or not. In short, changing our policy on SBA DOB requires a definitive change in directions from our funders in Washington, D.C.

We'd be glad to sit down with you and go over all these documents and correspondence if you like. And again, I thank you for your advocacy on this matter and look forward to being able to tell you soon that we've received the guidance we seek and are able to proceed with program policy changes.

Pat Forbes

Research Resource:

Letter to Task Force Members: Task Force Public Input: Citizens Proposed
SBA Disaster Federal Assistance Declined Solution

EMail from Lori Dupont on behalf of Patrick Forbes.

NOTE: HUD's guidance of July 25, 2013 guidance

Editors Note: In most of the 1,158 discovered homeowners that could have had their SBA grants waived because they were declined by agency it is estimated that only a small number may not have qualified. It is not based on income as many would think but it is based on if the SBA funds are available to you. If the SBA declines you and you are listed as an agency decline you will not qualify for any funds even if you were approved in the beginning. The SBA can decline you at anytime in the process even after the loan amount is approved.

Research Resource:
Email: 2018.
Email: 2018.
Email: 2018.
Email: 2018.
Email: 2018.

Guidance on Duplication of Benefit Requirements and Provision of CDBG-DR Assistance:

Editors Note: Discovery via FOIA identified 1,158 of Agency Declined SBA loans. All or a major number of these homeowners would have been within the states Nov. 16, 2011 and July 25, 2013 Guidance if the state would have actually researched the claims made by Murray Wennerlund. The state published estimated number totally 109 homeowners that would qualify under the Guidance listed. Research found the 109 was not accurate and possibly as much as 1,158 homeowners incorrectly classified as having access to the SBA federal loan assistance but according to the SBA data they have been declined and are not able to receive SBA Loans as federal assistance.

Post Reference: Task Force Public Input: Citizens Proposed SBA Disaster Federal Assistance Declined Solution


FAQ No. 118    

Date: 4-8-2019 Updated: 4-8-2019 Subject:

Resources published here are segments of research projects of past, present and future. All items published will soon be in articles that tie the subject matter together for the big picture results.

Resource Research is also the way we find things out of place in our world today.

This section is completely keyword search enabled so you can find just the topic you need to support your own research projects or to assist in our research resources. We have created a simple copy link so you can embed or link to the resource if you use any segment of this section.

Keep your information open and transparent at all times. You'll find this section grows often and is currently supported by one person so if you are looking for a specific document or topic related to Disaster Recovery use the submit question.

To submit a question you are actually submitting a research resource topic. Your topic will remain offline until the research has been completed. If you have the research and it can be validated please use the contact pages first.

FAQ No. 1    

Date: 12-30-2018 Updated: 3-4-2019 Subject: How To Research

FOIA State of Louisiana OCD-DRU 5-23-2018: Request copies of any communications between the Governors Office (J.B. Edwards) and Restore Louisiana Homeowners Assistance Program related to waiving state requirements that contractors working for Restore LA or IEM Inc tasked with rebuilding, repairing homeowners homes damaged by the 2016 floods (DR4277, DR4263) be licensed and insured as per state contractors licensing board rules, regulations and state laws.

(State of Louisiana Reply)

Your public records request, dated May 23, 2018, was received by the Division of Administration on May 23, 2018. We are conducting a search for records. Once the search is finished, the records will be reviewed for privileges and exemptions. We will contact you as soon as the review is completed, and all non-exempt records will be made available to you.

Thank you,
Public Records Requests
Division of Administration
State of Louisiana

FAQ No. 2    

Date: 1-4-2019 Updated: 1-4-2019 Subject:

Requested date: 5-23-2018

As of May 11, 2018
1. Total number of households pending Homeowner Responsibility (Solution 2) and Homeowner Escrow (Solution 1).

2. Total number of LMI Households awarded CDBG-DR Grants that have closed on the grants.
Reply: State of Louisiana DOA 6-7-2018:

Reports do not currently exist that are responsive to your specific public record request. However, with respect to item 2, HUD does publish a quarterly report, the most recent of which is attached, that shows at page 8 of 49 that as of in the first quarter of 2018, 1978 grant awards to LMI households were executed, for a cumulative total of 3321.

Attachment download: Flood DRGR 1st Quarter Reports

FAQ No. 3    

Date: 1-4-2019 Updated: 1-4-2019 Subject:

Requested: 5-29-2018: Copies of Active Contracts that are listed online in the OCDDRU folder but do not have the actual contract linked.
  1. Franklin Associates, LLC Louisiana Housing Corporation 2/12/2016 6/30/2019 $7,143,250 $3,618,750 To perform environmental reviews and homeowner inspections. CDBG-DR funds represented are related to 2016 Flood Work. Other components of the contract funded through other sources.
  2. Alpha Media and Public Relations pending New Corp. 5/28/2016 7/7/2016 $33,413 $33,413 Restore LA Marketing and Outreach.
  3., LLC 192237977 Louisiana Department of Agriculture & Forestry 3/16/2017 3/15/2018 $6,100 $6,100 ?Online grant application management system.
  4. Spears Consulting 837070833 TruFund Financial 5/15/2017 5/15/2018 $40,000 $40,000 Marketing/Public Relations spent as of 11.30.17.
  5. Start Corporation 859805285 Louisiana Department of Health and Hospitals 12/1/2015 6/30/2018 $2,802,482 $2,802,482 ?To provide support services required to help individuals rebuild their lives after homelessness, institutional care or other disruptions due to the Flood of 2016. (multiple sources of disaster funding)
  6. Volunteers of America 0750049916 Louisiana Department of Health and Hospitals 12/1/2015 6/30/2018 $49,999 $49,999 To provide support services required to help individuals rebuild their lives after homelessness, institutional care or other disruptions due to the Flood of 2016. (multiple sources of disaster funding)
  7. Westaff 788265564 TruFund Financial 5/4/2017 11/30/2017 $25,686 $25,686 Temp Services.
  8. Xerox Corporation 137644035 Louisiana Department of Agriculture & Forestry 10/16/2017 6/30/2018 $988 $988 Copy machine
>>> State of Louisiana DOA OCD-DRU response.
Dated: 6-6-2018

You will be receiving, or have already received, an e-mail invitation to access a dropbox from which you will be able to access the documents referenced below.

Please click on this link to view the contracts: Dropbox Link to document download.

FAQ No. 4    

Date: 1-4-2019 Updated: 1-9-2019 Subject:

Freedom of Information Request Date: 6-1-2018: I would like to know who and what department created the webpage at this address:

I find it not useful at all and when so many public records are missing from the OCD-DRU website pages I feel this is a waste of government resources to allow to be viewed by the public.

State of Louisiana Response dated 6-5-2018:

Your public record request e-mail, dated June 1, 2018, was received by the Division of Administration on June 1, 2018. Upon review, your e-mail does not present a public records request as described in Louisiana R.S. 44:1(A)(2). As such, we are unable to provide a response.

>>>> NOTES <<<<<
Web page was removed and replaced with a redirect to the main page. The state did not acknowledge the report.

FAQ No. 5    

Date: 1-4-2019 Updated: 1-4-2019 Subject:

Freedom of Information Request dated 6-18-2018.

Copy of the OCD-DRU policy regarding NFIP (National Flood Insurance Program) ICC (Increased Cost of Compliance) funds with respect to the calculation of duplication of benefits (DOB).

>> State of Louisiana Response 6-22-2018 <<

See attached manual and/or view at this link:Attached Homeowners Manual version 3.1 and download link

pages 51 to 52 of the document pertain to NFIP (building and ICC) and DOB calculation.

FAQ No. 6    

Date: 1-4-2019 Updated: 1-4-2019 Subject:

Freedom of Information Request: 6-26-2018, Copy of the "Declined SBA Award Policy".

This document is referenced in
1. "Draft ReLa Program Management Policies (Attachment VII) Page 31 of 189"
2. "Homeowners Manual version 3.1 page 52 under SBA Verification"

>>> Response State of Louisiana <<<

Date: 6-28-2018

The "Declined SBA Award Policy" is found on page 52 of the manual you refer to in your email below. This is the current policy:

"Applicants who have applied for an SBA loan but have a record of declining the loan or have not executed the SBA loan may be considered for RLHP funding, but awards will be adjusted to account for any SBA DOB. If a low to moderate income (LMI) household has declined an SBA loan, a hardship will be presumed and the SBA loan will not be considered a duplication of benefit. SBA loan declination is defined as an applicant having never executed the SBA loan documents."

When the "verification" paragraph states: RHLP Declined SBA Award Policy – it is referring to the paragraph above it in the manual (see snip image below).

FAQ No. 7    

Date: 1-4-2019 Updated: 1-4-2019 Subject:

We publish stories with the intent to help others that follow in our post disaster footprints.

Disaster victims often do not want to relive the ordeal but many that have just became victims or have been searching for answers may learn from your experiences of disasters long past. It is our goal to share with others so we all may rebuild and recover faster. Sharing experiences, post disaster experiences, from cleanup to rebuilding and all points in between. Let's document the processes each victim had to complete after the Presidential Disaster Declaration or the Emergency Declaration has been signed into action.

  • We require 600-2400 words.
    If you require additional space consider making two or more submissions which we will group together if possible.
  • Must have 2 or more pictures that have not been reduced in size or edited to change meta information.
  • Must have strong argument about issues that you have experienced.
  • You must have researched each issue, point of interest or experience declared and offer resources or sources to provide a solid foundation and weight to your experience.
  • Do not cite or copy journalists, editorials or the opinions of others. This is your experience only.
  • You allow us exclusive use of your experience article to share with all who are willing to republish your experience in it's entirety without edits or omissions.
  • We will take no longer than 10 working days to review and accept your experience article.
  • If we feel editing is needed we will return the article to you with notes.
    Our goal is to publish everyone's disaster experience.
  • Include your experience article in an email, a document attached to an email or our website form.
  • Include your disaster record number (DR), name (First,Last), street address, city, state, zip, phone, and email address.

We will use your personal information to verify your disaster experience. We will exclude your name from your article and only reference the DR number. Otherwise you must tell us you would like to release your name with your article and then clearly state what personal information you would like included in your by line.

E-mail: archive@LouisianaRecoveryAuthority.Org

FAQ No. 8    

Date: 12-30-2018 Updated: 12-30-2018 Subject: Your Story

Season 1 Ep 1

"Gross Negligence, Gross Incompetence and Willful Misconduct, Restore Louisiana Homeowners Program" the series.

Tonight's episode entitled "Gross Incompetence Elevation Costs" episode 1.

NOTE: You might find this a bit humorous, but it's actually based on documented facts of 2 groups separated by 10 years working on flood recovery projects.

Restore Louisiana Homeowners Assistance Solution 2 Reconstruction program is closing in on it's first complete home elevation and reconstruction project.

Despite being handed the full Reconstruction program policy and procedures, Solution 2 Reconstruction team is still in the beginning phases of creating Process and Procedures.

According to research, outsourced workers and management have taken nearly one year to process one homeowner and still have yet to document the steps in processing Solution 2 Reconstruction homeowners.

Historical data shows state workers employed as workers worked more efficiently than outsourced companies hired by state workers.

It was found in the year 2008 that state workers awarded 18,914 homeowners with elevation grant money using the system they called, "Simplified Award Process." Current state outsourced management (2018) refuse to follow the 10 year old proven simplified processes and are determined to make a complicate process more complicate than rocket science.

The states Simplified Award Process distributed 18,914 checks in the amount of $30,000 to homeowners in less than one year. Outsourced Solution 2 Restore Management has yet to establish procedures to determine foundation costs even after being given the procedure by the Solution 1 Reconstruction team.

Stay tuned for the onsite Solution 2 Reconstruction podcast series coming next year, maybe, if policy doesn't change.

FAQ No. 9    

Date: 12-30-2018 Updated: 12-30-2018 Subject: State Contractors

Comment: Insurance will be needed or you will get nothing. But even then you will need to know how to navigate a system that the states create to make it impossible for them to navigate. Insurance required to cover federal assistance received.

Financial disaster recovery planning team within the Administration grant funding.
OCD-DRU trainer for all county, parish, city, town planning and zoning departments for HUD compliance training.

Resource: HUD OIG Report 2013-FW-0001

>> Start snip of report page 19,20 <<

Some States Did Not Take Sufficient Steps To Protect the Invested Federal Funds

Some States did not require adequate homeowners' insurance for the homes built or rehabilitated with Disaster Recovery funds. Texas initially did not require insurance. It modified its program for the Katrina, Rita, and Wilma second allocation and, along with Louisiana and Florida, required insurance for 3 years. Alabama adopted a deed restriction that "strongly encouraged" insurance. For the Gustav, Ike, and Dolly allocation, Texas again modified its program and stated insurance was required, but its policy, like Alabama's deed restriction, stated only that failure to maintain insurance "may" impact future disaster assistance. However, Mississippi took an aggressive stance by requiring a transferable covenant that required insurance at all times. These variations occurred because HUD allowed the States maximum feasible deference in the implementation of their Disaster Recovery programs as allowed by the State CDBG program.

HUD needs to adopt a best practice to address the issue of insurance to ensure that the Federal funds invested in the assisted homes are protected in the event of future hurricanes or disasters. Since Hurricane Katrina in 2005, an additional 10 hurricanes and other storms have hit the States and caused damage. Further, our audit of Texas13 found that Hurricane Ike had damaged homes repaired or replaced by Katrina, Rita, and Wilma grant funds, which lacked insurance. In one extreme case shown in figures 10 and 11, an uninsured home suffered significant structural damage, and the homeowner inquired about additional disaster assistance for his recently replaced home.

The Texas audit also found that of a sample of 59 Katrina-, Rita-, and Wilma funded homes tested, 38 homes were later damaged by another hurricane or storm. Of the 38 homes, 23 did not have insurance. Based on a projection of the sample results, at least 133 of 453 reconstructed or rehabilitated homes or homes awaiting reconstruction lacked insurance and were damaged or are at risk of being damaged by another storm. The report concluded that if Texas changed and improved its action plan and policies, an estimated $60.2 million in program funds could be saved.

For Hurricane Isaac, which struck in August 2012, initial reports estimated damage to 13,000 homes in Louisiana located in the same areas previously affected by Katrina. Since Louisiana required insurance for only 3 years, there is the potential that damage had occurred to Disaster Recovery-assisted homes completed before 2009 that may lack insurance, as the State's required insurance period had expired and nothing would prevent homeowners from seeking additional Federal assistance.

>> End snip of report page 19,20 <<

FAQ No. 11    

Date: 12-30-2018 Updated: 12-30-2018 Subject: Transparency

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  • Hundreds of homeowners with SBA Duplication of Benefits may have been categorized incorrectly.

    Jonathan L.

    Hundreds of homeowners with SBA Duplication of Benefits may have been categorized incorrectly.