Research found Deferment Calculations were not always based on square footage of home.

Published 9-13-2019 search group Deferment

Deferment Calculations were not always based on square footage of home.

If you have requested a deferment to reduce your Grant Recapture, Homeowner Responsibility or Escrow amount your deferment may have been calculated incorrectly according to Scope Deferment Policy updates June 6, 2019.

If you are in Reconstruction your sqft of your old home will be used with 8' ceilings if your old home was not inspected and documented by FEMA, HUD or NFIP Insurance adjusters.

Spreadsheet Tool: If you can use a XSLX spreadsheet a download link will be available in a few days to check the calculations of your states HUD CDBG-DR programs.

Web App: Online app will be available to check calculations for your deferments soon.

Deferments are approved and supported by many states and allowed by HUD for CDBG-DR program managers to reduce the upfront costs to participate in the federal disaster recovery grant programs. Deferments assist homeowners with other agencies grant "Recapture" requirements when their is a duplication of grant money issued (Duplication of Benefits or DOB). State agencies will attempt to reduce to Zero the Recapture amount also known as Homeowners Responsibility and Escrow if possible.

Thank you for reading. Use the message form below to send your Comment, Suggestion, Feedback, Opinion and Content Request.

170 research topics

No inspection from FEMA? Registered and reported Minor Damage but able to live in my home? Only Remote Telephone Inspection? Home Repair Funds less than actual repairs?

#454 published 12-27-2022 updated 3-4-2023 1 min. 9 seconds read, search group Inspection.

If your manufactured home was damaged or developed unhealthy living conditions after a declared disaster due to the disaster can I receive a grant to replace my mobile home?

#443 published 1-23-2023 updated 3-4-2023 1 min. 26 seconds read, search group Manufactured Home.

Restore Louisiana Homeowner Assistance Program will provide assistance to homeowners who need to demolish and reconstruct their disaster damaged home.

#449 published 1-14-2023 26 seconds read, search group Damage.

How to use our Research Based Learning pages to better understand a subject, to collect the missing pieces of the puzzle, to start a research project or to close out your research project. Resources published here are parts or segments of..

#1 published 12-30-2018 updated 12-12-2020 1 min. 55 seconds read, search group HowToResearch.

INTERNSHIP OPPORTUNITY: NON-PAID OVERWORKED NONPARTISAN

#241 published 4-23-2020 1 min. 9 seconds read, search group PSA.

Federal Disaster Assistance

When you are navigating the federal disaster assistance agencies your first stop should be to the TruckAndTools.Com Disaster Resources. Every disaster agency uses the same process but not every disaster agency follows strict policy and guidance. Don't go into your disaster recovery with blind trust of your federal and state agencies that are leading the push to get you sheltered and out of the program.

SBA Updates data processed from research between 11-2019 and 12-2019

#183 published 1-18-2020 3 min. 25 seconds read, search group SBALoans.

CDBG DR Award calculation letter determination on the eligibility of your grant.

#182 published 12-26-2019 2 min. 42 seconds read, search group GrantAwardLetter.

State of Louisiana Restore LA Program managed by the OCD-DRU says it will not pay interest on SBA loans.

#181 published 12-15-2019 2 min. 40 seconds read, search group HUDGuidance.

Understanding your SBA Phase and following the HUD disbursements of funds to pay off or pay down your SBA loan

#180 published 12-10-2019 3 min. 34 seconds read, search group SBA.

Contribute when you can.

For some households, the information I provide helps them get back in their homes. Others I've had a hand in helping them recovery from some of their disaster debt burden. In any case, when you use the information I provide and it's helpful and makes you more successful with your disaster rebuild or new construction then feel free to contribute what you can and when you can. It helps with the hours of unpaid research and reading.

Questions for Congressman Graves Live Facebook event 12-5-2019

#179 published 12-5-2019 4 min. 24 seconds read, search group Transparency.

170 research topics

Louisiana disaster victims to pay HUD fair market value for temporary shelters provided by FEMA

By Murray Wennerlund 5-3-2023

Every disaster leaves thousands of Louisiana families homeless. FEMA typically is the first to provide temporary shelter. The FEMA housing program goes for 18 months then becomes a for profit shelter by charging fair market rents to the homeless families

Restore Louisiana OCD-DRU denies homeowners entry to HUD CDBG-DR program because of missing FEMA damage report

By Murray Wennerlund 4-7-2023

FEMA doesnt inspect all damaged homes after a disaster. They often focus their efforts on most impacted and distressed areas. Often times you can be within the area of a disaster and be the only home on the block that is damaged.

Why is it taking so long to process my HUD CDBG-DR Restore Louisiana Homeowners Grant

By Murray Wennerlund 3-28-2023

Every federally declared storm has a name and number and your state will make up a new name and number for the branch of government that is responsible for assisting homeowners with their recovery. Same Process, Procedure, People only contractors change.