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FEMA assistance with "livable" home?
Posted on 9/8/16 at 11:01 am
Posted on 9/8/16 at 11:01 am
Has anyone received FEMA money while being able to live in their home?
I got a couple of inches of water. My apartment manager has been incredibly active with repairs - started the next day. They had to pull up carpet, baseboards, bring in dehumidifiers, and such. It was all finished within a week. I decided to deal with the smell, noise and aggravation; I just slept in my second bedroom which is on a higher level. I lost a bunch of work & class books, furniture, drapes, the electronics that were on the floor, stuff like that. I'd say that the total loss was in the neighborhood of $15-20k (mostly electronics) and a couple thousand in damages to my car; my car is still driveable. My renters insurance doesn't cover anything that was lost/damaged.
FEMA did two inspections and I just received my rejection letter.
My mother and her neighbors got around a foot. My mother's home was mostly elevated but there are a couple of lower rooms that got water, the entire exterior siding (vertical strap and board cedar) needs to be replaced along with two A/C units. [Also, during the storm a large limb gave way and tore through her roof (this is covered by her homeowners, but it is still more expense with the deductible)]. One of those lower rooms is my late father's study which had thousands of books, countless work product documents, a fair amount of decent furniture and a lifetime's collection of rare and antique maps - many totally lost. She also lost everything in an unattached shed - lawn equipment, stored seasonal items and such. Her damages are in the neighborhood of $60k out of pocket (not including documents and antiques) because flood insurance covers almost nothing. She is a retired widow in her late-60's on a fixed income and this will hit her hard.
She and her neighbors got their FEMA rejection letters the other day.
I fully acknowledge that many many people got it worse than us. I want those people to get all the help they can, but I know several people who have been hit very hard financially by this and have been rejected by FEMA (myself included).
What metric is FEMA using to determine eligibility for aid? What formula are they using to determine the amount of aid?
I got a couple of inches of water. My apartment manager has been incredibly active with repairs - started the next day. They had to pull up carpet, baseboards, bring in dehumidifiers, and such. It was all finished within a week. I decided to deal with the smell, noise and aggravation; I just slept in my second bedroom which is on a higher level. I lost a bunch of work & class books, furniture, drapes, the electronics that were on the floor, stuff like that. I'd say that the total loss was in the neighborhood of $15-20k (mostly electronics) and a couple thousand in damages to my car; my car is still driveable. My renters insurance doesn't cover anything that was lost/damaged.
FEMA did two inspections and I just received my rejection letter.
My mother and her neighbors got around a foot. My mother's home was mostly elevated but there are a couple of lower rooms that got water, the entire exterior siding (vertical strap and board cedar) needs to be replaced along with two A/C units. [Also, during the storm a large limb gave way and tore through her roof (this is covered by her homeowners, but it is still more expense with the deductible)]. One of those lower rooms is my late father's study which had thousands of books, countless work product documents, a fair amount of decent furniture and a lifetime's collection of rare and antique maps - many totally lost. She also lost everything in an unattached shed - lawn equipment, stored seasonal items and such. Her damages are in the neighborhood of $60k out of pocket (not including documents and antiques) because flood insurance covers almost nothing. She is a retired widow in her late-60's on a fixed income and this will hit her hard.
She and her neighbors got their FEMA rejection letters the other day.
I fully acknowledge that many many people got it worse than us. I want those people to get all the help they can, but I know several people who have been hit very hard financially by this and have been rejected by FEMA (myself included).
What metric is FEMA using to determine eligibility for aid? What formula are they using to determine the amount of aid?
7
Posted on 9/8/16 at 11:05 am to SlapahoeTribe
quote:
What metric is FEMA using to determine eligibility for aid? What formula are they using to determine the amount of aid?
Million dollar question
Posted on 9/8/16 at 11:06 am to SlapahoeTribe
Fema be frickin savages bro
Posted on 9/8/16 at 11:14 am to SlapahoeTribe
It's relatively simple, from what I've gathered in my experience/research:
1) The FEMA grant does not consider contents. All the books/electronics/etc. you lost, as well as your car damages if it's driveable, are totally irrelevant. You can apply for an SBA loan to help cover those things, and if you are rejected for the loan, you can then and only then appeal to FEMA to provide some grant money to cover contents. I have no idea how successful these appeals are.
2) The FEMA grant only considers structure and the bare minimum to get the house livable. That means, for the most part, a bed, fridge, oven, washer/dryer, and floor. The amount given for these things is based on the cheapest, shittiest versions money can buy.
3) If you don't own the home (i.e., renting the house or apartment), it's not your structure and therefore not your grant money to apply for. The landlord will get no grant money for it either because it is not his/her primary residence.
4) If you have flood insurance, you get nothing for structure. Even if your flood insurance does not cover contents, neither does the grant. The most you'd get is a month or two of rental assistance if you indicated in your application that you are currently displaced and renting.
1) The FEMA grant does not consider contents. All the books/electronics/etc. you lost, as well as your car damages if it's driveable, are totally irrelevant. You can apply for an SBA loan to help cover those things, and if you are rejected for the loan, you can then and only then appeal to FEMA to provide some grant money to cover contents. I have no idea how successful these appeals are.
2) The FEMA grant only considers structure and the bare minimum to get the house livable. That means, for the most part, a bed, fridge, oven, washer/dryer, and floor. The amount given for these things is based on the cheapest, shittiest versions money can buy.
3) If you don't own the home (i.e., renting the house or apartment), it's not your structure and therefore not your grant money to apply for. The landlord will get no grant money for it either because it is not his/her primary residence.
4) If you have flood insurance, you get nothing for structure. Even if your flood insurance does not cover contents, neither does the grant. The most you'd get is a month or two of rental assistance if you indicated in your application that you are currently displaced and renting.
This post was edited on 9/8/16 at 11:17 am
Posted on 9/8/16 at 11:26 am to ILikeLSUToo
That's about what I figured. I'm (as are my mother and her neighbors) just shite out of luck. 
No help from my government. I'm sure big brother will keep taking money from my paycheck though.
No help from my government. I'm sure big brother will keep taking money from my paycheck though.
Posted on 9/8/16 at 12:03 pm to SlapahoeTribe
15k-20k loss in an apartment that only got a couple inches of water?
Maybe I'm not reading it correctly? But DVD player, computer, phones, tablets, etc.. was not on a shelf even a ft off the ground?
Maybe I'm not reading it correctly? But DVD player, computer, phones, tablets, etc.. was not on a shelf even a ft off the ground?
Posted on 9/8/16 at 12:07 pm to SlapahoeTribe
Well, without looking I would imagine FEMA is there to help you survive. Antiques and TVs probably don't fall into that category.
Posted on 9/8/16 at 12:17 pm to SlapahoeTribe
My in-laws received roughly $1700 for "living expenses" (or something like that) for 4 people, because they could not live in their home during the initial stages of repair.
They got about 6 inches of water in their house.
They got about 6 inches of water in their house.
Posted on 9/8/16 at 12:43 pm to SlapahoeTribe
I have to remember that FEMA is a federal agency.
I don't know why some have no issues with FEMA and already have their money....and others are having to jump through hoop after hoop after hoop to get aid money they do actually need.
FEMA denied my parents for aid, even though my parents did not have flood insurance. We were told to submit a letter from their mobile home insurance denying the claim due to lack of flood coverage. We did that and even verified with FEMA that they received it and were reviewing their case again. Yesterday my family was denied a second time....again because FEMA is claiming my parents had flood insurance(even though they now have documentation stating otherwise).
Trying to stay cool, calm, and collected with FEMA, because I have to for my dad since he cannot right now. I get they are overwhelmed and all....but dicking around emotionally fragile disabled senior citizens is just a shitty move. I went with my dad to a FEMA center Monday and the woman could see how emotionally fragile my dad was(my dad started crying asking why he was being hassled so much and others were not). Had my dad sign a paper stating I could call and get information from FEMA here on out(just talking to FEMA stresses my dad out right now). Was told the letter would be submitted right away and I could immediately call and receive info. I called yesterday after the denial....they still couldn't release info to me. Shows a letter was sent...but they don't have it yet.
I don't know why some have no issues with FEMA and already have their money....and others are having to jump through hoop after hoop after hoop to get aid money they do actually need.
FEMA denied my parents for aid, even though my parents did not have flood insurance. We were told to submit a letter from their mobile home insurance denying the claim due to lack of flood coverage. We did that and even verified with FEMA that they received it and were reviewing their case again. Yesterday my family was denied a second time....again because FEMA is claiming my parents had flood insurance(even though they now have documentation stating otherwise).
Trying to stay cool, calm, and collected with FEMA, because I have to for my dad since he cannot right now. I get they are overwhelmed and all....but dicking around emotionally fragile disabled senior citizens is just a shitty move. I went with my dad to a FEMA center Monday and the woman could see how emotionally fragile my dad was(my dad started crying asking why he was being hassled so much and others were not). Had my dad sign a paper stating I could call and get information from FEMA here on out(just talking to FEMA stresses my dad out right now). Was told the letter would be submitted right away and I could immediately call and receive info. I called yesterday after the denial....they still couldn't release info to me. Shows a letter was sent...but they don't have it yet.
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