1 Understanding and Navigating the Disaster Recovery Process J U L I G A L L U P, M A A D V O C A T E D I S A B I L I T Y L A W & A D V O C A C Y C E N T E R O F T E N N E S S E E
2 Credits o CEUs visit to register and receive your certification or o CRCs this session is approved for 1.25 CRC s o send Liz an with your full name, organization name, city and state, and corresponding address. Your Verification Form will be ed to you in a few days. Pass It On Center - 2
3 Help Us Improve Please Fill Out The Evaluation Of This Webinar: Pass It On Center - 3
4 About Juli Gallup Disaster Related Experience: Katrina Aid Today Project Manager/State Lead Volunteer Organizations Active in Disaster (VOAD) TN VOAD, Emergency Service Coordinator for the Tennessee Emergency Management Agency (TEMA)
5 Legal Disclaimer I am not an attorney. This presentation is intended to provide you with some general information. Nothing in this presentation is legal advice. For advice regarding a specific situation, contact your attorney.
6 Objectives By the end of this webinar, participants will have: A basic understanding of FEMA disaster assistance and the disaster recovery assistance sequence of delivery Tools to assist clients navigate the recovery process Tools to assist in identifying key partners in disaster recovery for collaboration.
7 Lessons from Katrina Many issues raised by clients were due to: Loss of ID and other documents A failure to understand local, state, and federal Emergency Management Agency (EMA) roles and responsibilities A failure to understand the assistance process A failure to understand insurance policies and what coverage had been purchased Limit of one application per household
8 Lessons from Katrina (Cont.) Many issues raised by clients were due to, (cont.): Lack of documentation Loss of resources Inability to meet residency requirements New housing (less than six months) No receipts for rent or utility bills Temporary Housing Hotel Recreational Vehicle
9 Understanding the Disaster Assistance Process
10 Local Emergency Management Agency Authority Remember: All Disasters Are Local Primary responsibility in a disaster lies with the local government Local governments will still maintain authority even when state and federal resources are present
11 State Emergency Management Agency Authority State EMA becomes involved by the request of the local government State coordinates state resources and those of other response/relief/recovery agencies that become available Local government maintains authority
12 Federal Emergency Management Agency (FEMA) Federal EMA comes at the invitation of state government Federal resources are available to support state and local efforts Local governments maintain authority
13 Recovery Assistance Overview Insurance Homeowners/Flood/Other FEMA Benefits Small Business Administration Loan Long Term Recovery Committee Appeals
14 Homeowners Insurance Homeowners Insurance has limited coverage. Generally, it will cover wind and rain related damage to property It is top down damage. If a home is damaged by water that does its damage from the roof down, then it is generally covered by homeowners insurance. Check personal policy for specific details. It is generally a good idea to avoid the word flood.
15 Homeowners Insurance, cont. It is important to know what your homeowner s policy does NOT cover. These may include: Damage that could have been avoided through proper maintenance Flood (ground water) Landslide/earthquake/mudflow Sinkholes
16 Homeowners Insurance, cont. It is important to understand the policy you have purchased and what your responsibility is as a homeowner/renter. Check with your insurance agent about your coverage and additional insurance riders that you may want to consider.
17 Flood Insurance It covers damage from groundwater that rises: bottom up damage. It is available to everyone if their community or county participates in the National Flood Insurance Program. It must be in place before flooding occurs. There may be a 30 day waiting period. It may or may not cover contents, depending on coverage.
18 Flood Insurance, cont. If a homeowner/renter has had flood insurance in place in the past and let it lapse or they live in a flood zone and do not carry flood insurance, there may be limited assistance from FEMA. Inexpensive, low risk insurance is available to individuals who do not live in a flood plain if their community participates in the NFIP
19 National Flood Insurance Program Anyone can buy flood insurance in community/county participating in the NFIP Others may purchase private policies Moderate to Low Risk Preferred Risk Policy starts at $119 a year for homeowners Starts at $39 a year for renters 25% of claims are from moderate to low risk areas What is covered: /whats_covered.jsp
20 High Risk Coverage Dwelling and Contents coverage is separate Premiums are generally based on: Year of building construction Building occupancy Number of floors The location of its contents Flood risk (i.e. it is in a flood zone) The location of the lowest floor in relation to the elevation requirement on the flood map (in newer buildings only) The deductible you choose and the amount of building and contents coverage
21 Flood Mitigation Assistance (FMA) Program FEMA provides FMA funds to assist states and communities with implementing measures that reduce or eliminate the long-term risk of flood damage to buildings, manufactured homes, and other structures insured under the National Flood Insurance Program
22 Recovery Process - Insurance Insurance is first payer Homeowners/Flood/Other Rider Dwelling Contents Housing Assistance
23 Recovery Process - FEMA FEMA Individual Assistance (IA) - Housing and Other than Housing - is the second payer Must apply and qualify Meant to cover critical expenses Not intended to restore to pre-disaster condition Has a cap for funding Cap is not In-addition to insurance
24 Recovery Process Small Business Administration Loans (SBA) Everyone should apply for the SBA loan SBA provides disaster recovery loans for FEMA SBA loans are low interest loans for needs unmet by insurance and FEMA (IA) Individuals must apply to be considered for further assistance with unmet needs
25 Why Apply for SBA? The SBA loan opens the door to further assistance. FEMA Other Needs Assistance Long Term Recovery Committees/Unmet Needs Table The disaster assistance process allows for some exemptions to the loans, if needed. Note: Most applications will be turned down
26 Unmet Needs Unmet needs are those needs that have not been met through Insurance, FEMA benefits and/or an SBA loan Case management is required Provides access to local, state, and national resources
27 Case Management Provides information and referral Connect to local agencies Information about local resources Information/assistance about accessing programs Gateway to the long term recovery committee Access to case management database (CAN)
28 Why Is Case Management Important Case Management is a second set of eyes Case managers are trained to understand the assistance process and available resources Can assist in proper understanding of disaster benefits as designated by insurance or FEMA Can help catch duplication of FEMA and insurance (which may avoid recoupment of financial assistance from FEMA) Can help locate assistance for individuals without insurance and ineligible for FEMA assistance Can assist with appeals
29 Why Case Management is Important Maximizes resources Can use financial assistance and donated labor and materials in rebuilding Disaster assistance programs rarely reimburse for unauthorized expenditures Avoids duplication of services Insurance FEMA Other Resources
30 Long Term Recovery Committee (LTRC) A long term recovery committee ideally consists of local, state and national resources which can provide additional assistance to individuals impacted by disaster to meet needs unmet by Insurance, FEMA benefits, and/or SBA loans These are established by community, county or region, depending on need and resources Resource for disaster related needs
31 LTRC Process Case manager assesses needs Case is presented to Case Manager Roundtable for vetting of requests Case is presented to LTRC LTRC members will match resources to needs Note: Not all requests will be filled by the LTRC
32 Applying for FEMA benefits Apply by Phone: 1 (800) 621-FEMA (3362) 1 (800) (TTY) for people with speech or hearing disabilities Apply Online Note: Apply only ONE time. Duplicates will slow process Note: Applications are one per household
33 Information Required by FEMA Your Social Security number. Your current and pre-disaster address. A telephone number where you can be contacted. Your insurance information. Your total household annual income A description of your losses that were caused by the disaster. A routing and account number from your bank (required only if you want to have disaster assistance funds transferred directly into your bank account)
34 Who Qualifies Residence is in county with a Presidential Disaster Declaration Filed for insurance/insufficient to cover cost Resident is a citizen of the United States, a noncitizen national, or a qualified alien. Having a social security number does not mean someone is a qualified alien. Primary residence for six months Home is uninhabitable, inaccessible due to the disaster, or requires repairs because of damage from the disaster.
35 You may not qualify if adequate rent-free housing is available (i.e. unoccupied rental property) your home was secondary or vacation residence. you are able to return home after leaving as a precaution you have refused assistance from insurance provider(s). your home was in a high risk flood zone without flood insurance your only losses are business losses (including farm business other than the farmhouse and selfemployment) or items not covered by assistance program.
36 After Claim is Filed FEMA will mail a copy of application an applicant s guide that will answer many questions Help After a Disaster: Applicant's Guide to the Individuals and Households Program Available in 19 languages
37 Scheduling Inspection No insurance Wait days after you apply. An inspector will schedule a time to review damaged home. Insurance File insurance claim. Apply to FEMA Provide FEMA with a decision letter (settlement or denial) from insurance company An inspector will schedule a time to review damaged home.
38 Scheduling Inspection, cont. Flood Insurance File your insurance claim. An inspector will contact you to schedule a time to review your damaged home. You do NOT need to provide a copy of your flood insurance decision letter to us before FEMA will schedule an inspection. Since temporary living expenses are not covered by flood insurance, an inspection will be scheduled after you apply for assistance.
39 Inspection Process An inspector will schedule a time to meet homeowner at damaged home. Please Note: In areas where access is still severely limited, it may take longer for an inspection. Inspectors are contractors, not FEMA employees, but inspector will have FEMA identification. Inspectors file report but do not determine eligibility. There is no fee for the inspection.
40 Inspection Process, cont. The inspector will visit property to assess the damage related to the disaster. During the inspection: Homeowner must be present for scheduled appointment and provide proof of ownership and occupancy to the inspector. Homeowner may designate someone (over the age of 18) to meet the inspector. Homeowner may be asked to sign a form authorizing this individual to meet the inspector. After the inspection, Homeowner will be asked to sign a form authorizing FEMA to verify that the information is correct.
41 FEMA Benefits Are for approved Housing Needs Are for approved Other than Housing Needs Are tax-free Do not have to be repaid if used properly Misuse may result in repayment Note: Temporary housing needs benefits are usually limited to up to 18 months from the date the President declares the disaster
42 FEMA Benefits, cont. Are not counted as income or a resource in determining eligibility for welfare, income assistance, or incometested benefit programs funded by the Federal government. Are exempt from garnishment, seizure, encumbrance, levy, execution, pledge, attachment, release, or waiver. May not be reassigned or transferred to another person. Note: Keep receipts or bills for 3 years to demonstrate how all of the money was used in meeting your disasterrelated need. Note: Remember - Local codes requirements still apply
43 Right to Appeal Appeals may relate to eligibility, the amount or type of help provided, late applications, requests to return money, or denial of continued assistance.
44 Appeals Process Explain in writing why the decision about the amount or type of assistance you received is not correct. Applicant, or someone who represents the applicant, should sign the letter. If the person writing the letter is not a member of applicant s household, there must be a signed statement saying this person may act on their behalf.
45 Appeals Process, cont. Include the FEMA registration number and disaster number (shown at the top of your decision letter) in your letter of appeal You can appeal more than once
46 Where to send appeal/timeline FEMA - Individuals & Households Program National Processing Service Center P.O. Box Hyattsville, MD or you can fax you appeal letter to: (800) Attention: FEMA - Individuals & Households Program Letter must be postmarked within 60 days of the date of the decision letter's date. Remember to date your letters.
47 Copy of information FEMA - Records Management National Processing Service Center P.O. Box Hyattsville, MD
48 Disaster Unemployment Assistance (DUA) When a major disaster has been declared by the President, DUA is generally available to any unemployed worker or self-employed individual who lived, worked, or was scheduled to work in the disaster area at the time of the disaster; and due to the disaster: no longer has a job or a place to work; or cannot reach the place of work; or cannot work due to damage to the place of work; or cannot work because of an injury caused by the disaster. An individual who becomes the head of household and is seeking work because the former head of household died as a result of the disaster may also qualify for DUA benefits.
49 DUA Benefits DUA benefits are payable to individuals only for weeks of unemployment in the Disaster Assistance Period, which begins with the first day of the week following the date the major disaster began and for up to 26 weeks after the date the disaster was declared by the President, as long as the individual s unemployment continue to be a result of the major disaster. The maximum weekly benefit amount is determined under the provisions of the state law for unemployment compensation in the state where the disaster occurred. However, the minimum weekly amount is half (50%) of the average benefit amount in the state.
50 Filing a DUA Claim In the event of a disaster, the affected state will publish announcements about the availability of Disaster Unemployment Assistance. Individuals who have moved or have been evacuated to another state should contact the affected state for claim filing instructions. Individuals can also contact the State Unemployment Insurance agency in the state where they are currently residing for claim filing assistance.
51 Supplemental Nutrition Assistance Program (SNAP) Disaster Assistance Individuals living in the affected counties who have lost property or homes as a result of a federally declared disaster are eligible to receive food stamps. State will provide information regarding where to apply you may have to apply in person at a Disaster Recovery Center. Existing recipients should contact their local office for food stamps.
52 SNAP Disaster Assistance, cont. Be prepared to provide: Each applicant is being asked to bring current photo identification and personal address. This information will be verified with state/federal EMA Social Security verification Statements showing household income or resources Estimated disaster expenses Benefits do not have to be used immediately. Check the program for time limitations.
53 SNAP Disaster Assistance, cont. If qualified, a Security Benefits card, or EBT (electronic banking transfer) card, representing up to a one month allotment of food stamps for the appropriate household size will be issued on site. The card can be used for up to 90 days in any authorized SNAP grocery retailer.
54 Disaster Legal Services When the President declares a disaster, FEMA/EPR, through an agreement with the Young Lawyers Division of the American Bar Association, provides free legal assistance to disaster victims. Legal advice is limited to cases that will not produce a fee (i.e., these attorneys work without payment). Cases that may generate a fee are turned over to the local lawyer referral service.
55 Types of Disaster Legal Services Assistance with securing FEMA and other government benefits available to disaster victims Assistance with life, medical and property insurance claims Help with home repair contracts and contractors Replacement of wills and other important legal documents destroyed in the disaster Assisting in consumer protection matters, remedies and procedures Counseling on mortgage-foreclosure problems Counseling on landlord/tenant problems
56 Tools to Assist Clients Encourage clients to be proactive Help clients prepare for recovery Document, document, document Encourage clients to slow down Encourage clients to be persistent Important things to remember
57 Encourage Clients to be PROACTIVE People with disabilities need to be proactive in their personal disaster preparation. It is important to be prepared to self advocate when an emergency arises. Living in the community brings a responsibility to: Be prepared to be self sufficient for up to 72 hours Have a personal disaster kit Reach out for help after a disaster occurs do not wait for help to arrive
58 Preparing for Recovery Gather documentation: copies of insurance policies copies of recent bills (last three months) inventory of items lost and items that will need to be replaced. a driver s license will not be adequate for ID for FEMA (people often move and don t change their address on their license)
59 Preparing for Recovery (cont.) Photos can be an essential part of documentation. Photos should be taken before any clean-up occurs to document the extent of damage and what possessions were damaged as a result of the disaster. Individuals should keep a copy of all photos provided to any relief agency
60 Document, Document, Document Encourage clients to: Keep a notebook documenting EVERYTHING Clients need to write down who they talked to, date and time, what they said, what the other party said. Disaster related expenditures Keep a file folder of everything received (i.e. receipts, letters, bills, invoices, etc.) Keep originals/make copies of anything sent in/handed over and keep them in their own file. Keep files in a secure location.
61 Encourage Clients to Slow Down Mistakes are often made by being in a hurry to recover/rebuild. This includes: Rebuilding too soon after a flood can result in wasted time, materials and resources Individuals are more likely to fall victim to scams/contractors who are not licensed Individuals may miss out on benefits/programs they may be eligible for (most recovery programs do not reimburse) Case management and long term recovery committees may take time to establish If it s a good idea today, it will be a good idea tomorrow!
62 Encourage Clients to be Persistent Sometimes the disaster recovery assistance programs don t follow through or fall apart. Encourage clients to seek case management, appeal decisions, and seek assistance of disaster legal services. Encourage clients to call back/follow up if promised help does not materialize.
63 Important Things to Remember Assistance is for disaster-related needs Assistance is designed to provide safe and sanitary living or functioning conditions Assistance is not designed to improve pre-disaster living conditions Assistance is often insufficient to return back to normal
64 Important Things to Remember (Cont.) Assistance will often not be sufficient to replace everything lost in a disaster People have options People have the right to make their own choices, even bad ones Assistance may not meet expectations or may feel fair Things will never be normal, but there will be a new normal
65 Tools to Identify Key Collaborators
66 Get to Know Your VOADs! Volunteer Organizations Active In Disaster (VOAD) National VOAD is a nonprofit membership organization founded in 1970 in response to Hurricane Camille in the Gulf Coast. Members of National VOAD include national nonprofit organizations whose mission includes programs either in disaster preparedness, response and/or recovery. Each state has a VOAD
67 Working with VOAD and other NGOs VOAD members include: Faith based organization Community based organizations Non governmental Organizations American Red Cross HAM radio operators Fire Department Food Banks Humane Society Habitat for Humanity Manufactured Housing Associations
68 Working with VOAD and other NGOs, cont. VOAD Agencies can provide: Affiliated Volunteers Areas of expertise Shelters Chain saw crews Feeding Housing and rebuilding Household items Case Management Rescue and Recovery Mental Health Services
69 Working with VOAD and other NGOs, cont. The Tennessee VOAD allows affiliate members who have knowledge and resources, but no volunteers or stuff to bring to the table. Affiliate members are non-voting members Allows for input on a statewide level Possible open door to participate more fully in state EMA Be prepared to back up commitment
70 Working with state and local EMAs Have the heart of a learner Learn about the types of disasters that take place in your state/community Be willing to participate in training that will help you become more knowledgeable about emergency planning FEMA training State EMA Training Local EMA Training Ask questions before making assumptions about awareness of disability related needs Focus on collaborative spirit to meet needs of individuals with disabilities Ask how the process works Ask to tour/be an observer of operations center
71 Working with state and local EMAs, cont. Have the heart of a teacher Be an expert in what you know Show what assets you bring to the tables Be positive about the ability to serve needs of individuals with disabilities in the event of a crisis Don t hesitate to say I don t know, but I will find out Ask where gaps/areas of concern are after establishing a relationship of trust Make sure you can back what you are saying before you say it
72 Working with state and local EMAs Streamline efforts Collaborate with disability community to help identify gaps in services/planning Limit number of agencies requesting direct involvement to avoid overwhelming the EMA you are working with Develop resources that can benefit EMAs
73 Thank you Contact Information: Juli Gallup, MA Advocate Disability Law & Advocacy Center of Tennessee
74 Help Us Improve Please Fill Out The Evaluation Of This Webinar: Pass It On Center - 74
Disaster Relief Fund Application Equipment Dealers Foundation 636/349-5000 Fax: 636/349-5443 Equipment Dealers Foundation is the publicly supported 501(c)(3) charitable organization of the North American
FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA): DISASTER AWARDS What is FEMA? FEMA is the Federal Emergency Management Agency, which is responsible for providing and coordinating emergency services in Federally
State Emergency Response Team Joint Information Center Orlando, Florida Disaster News Dec. 16, 2005 DR-1609-NR-046 FEMA/Florida News Desk: 407-858-6207 State EOC Public Information: 850-413-9969 SBA News
FAQs on Federal Disaster Declaration and Assistance 1. What does this federal disaster declaration mean? Federal assistance was authorized under a Major Federal Disaster Declaration issued by President
Financial Resources and Assistance for Homeowners You have estimated the amount of money needed to return to your home. If you have the resources, you can proceed with repairing or rebuilding. If you do
Disaster Relief for Businesses Funding - Grants and Loans Hurricane Sandy On October 29 th 2012, Hurricane Sandy struck the east coast leaving a crippled transit system, widespread power outages and severe
Page 1 of 18 Disaster Assistance Frequently Asked Questions Question of the Day How do I get back in touch with the Mobile Home/Travel Trailer people? I have talked to them several times, but don't have
Help After a Disaster Applicant s Guide to the Individuals & Households Program FEMA 545 / July 2008 www.fema.gov The Federal Emergency Management Agency (FEMA) under the authority of section 408 of the
Emergency Support Function 14 Long-Term Community Recovery & Mitigation ESF Coordinator Grays Harbor County Division of Emergency Management Primary Agencies Grays Harbor County Division of Emergency Management
Duplication of Benefits DRAFT Submitted to HUD: July 3, 2013 Introduction This duplication of benefit plan explains methods and procedures to prevent the duplication of benefits, as required by the Robert
HAZARD MITIGATION ASSISTANCE (HMA) TOOL FOR IDENTIFYING DUPLICATION OF BENEFITS Hazard Mitigation Grant Program, Pre-Disaster Mitigation Program, Flood Mitigation Assistance Program October 2012 INTRODUCTION
FOR IMMEDIATE RELEASE: CONTACT: J. Robert Hunter, 207-864-3953 August 26, 2011 WHAT CONSUMERS SHOULD DO TO GET FAIR CLAIMS PAYMENTS IN THE WAKE OF HURRICANE IRENE Washington, D.C. -- The Consumer Federation
WHAT NOW? TIPS FOR TENNESSEE DISASTER VICTIMS 1. REGISTER FOR ASSISTANCE WITH FEMA. If you have sustained any damage, register for assistance at www.disasterassistance.gov/daip_en.portal (Pre screening
Frequently Asked Questions about Physical Disaster Business Loans Q. How much can I borrow? A. The amount of money that the SBA will lend you will be based upon the actual cost of repairing or replacing
1 Vermont Disaster Relief Fund Recovery is the time following a disaster after immediate response and relief efforts have been completed. Response agencies such as The American Red Cross and The Salvation
SBA DISASTER LOANS SBA DISASTER LOANS After hurricanes, floods, earthquakes, wild fires, and other disasters; SBA disaster loans are the primary form of Federal assistance for the owners of private property.
SBA Many communities are still feeling the effects of Superstorm Sandy, including power outages and flooding. The importance of listening to instructions and safety information from your local officials
CONSUMER'SGUIDE A Consumer s Guide to WHAT TO DO IN THE EVENT OF DISASTER from your North Carolina Department of Insurance A MESSAGE FROM YOUR INSURANCE COMMISSIONER We all want to remain safe and secure,
TALLAHASSEE OFFICE 725 East Park Avenue Tallahassee, Florida 32301 MAIN OFFICE Post Office Box 87 332 North Magnolia Avenue Orlando, Florida 32802-0087 1-800-591-7311(English) 1-800-591-7301(Spanish) Telefax
Disaster Legal Assistance Bootcamp Legal Aid of West Virginia 2016 Critical Timelines Insurance (Homeowner s and/or Flood) FEMA 60 days to file from date of loss. Must start with insurance (FEMA auto-rejects
Portal Questions This unit discusses several programs that provide assistance to individuals, families, and businesses following a disaster. If you believe you already know this information, answer the
Ike-Disaster Recovery Program Housing Repair/Rehabilitation and Reconstruction Summary of Application Guidelines Purpose The Ike Disaster Recovery-Housing Repair/Rehabilitation and Reconstruction ("Ike-HRR")
After a wildfire, people may have questions about their insurance coverage. The Insurance Information Institute offers answers to some of these basic questions. HOMEOWNERS COVERAGE Q. If my house burns
1 U. S. Small Business Administration DISASTER ASSISTANCE Federal Disaster Loans for Homeowners, Renters and Businesses of All Sizes June 27, 2012 SBA s Role in Disaster Recovery After declared disasters,
INSURANCE CHECKLIST #2 Flood Insurance Proof of Loss and Statute of Limitations Homeowner (Non- Flood) Insurance Proof of Loss and Statute of Limitations Additional Tips This is the second checklist that
Disaster Recovery Financial Assistance Recovering from a disaster is a partnership effort among local, state and federal government agencies in conjunction with private and non-profit organizations. Rebuilding
Barnes County Long Term Recovery Rebuild and Retain Application Attention Applicants: Distribution of funds will be considered for safe, sanitary, secure, and essential living space. Applicants must have
Employment Law What Employees and Small Business Employers Are Asking After a Disaster 1 Can employers fire employees because of a disaster? Yes. There is no federal or state law that prohibits an employer
SBA s Role in Disaster Recovery James Rivera, Associate Administrator, SBA For Audio: Listen through PC speakers Dial 916-233-3088 use access code 307-356-577 Since 1953, when the SBA started making disaster
Disaster Assistance Programs for Agriculture Small Business Association SBA USDA Programs FEMA Programs Disaster Assistance: Small Business Administration (SBA) Through its Disaster Loan Program, SBA has
Recovery Operations Guidance For Essential Service Centers - 1 - TABLE OF CONTENTS I. Introduction. 3 II. Mission/Scope 3 III. Assumptions.. 3 IV. Roles and Responsibilities.. 4 V. Concept of Operations
Morris County Long Term Recovery Committee A Committee of the Morris County Community Organizations Active in Disaster ASSISTANCE PROTOCOLS Updated: October 8, 2013 MCLTR STRUCTURE The Morris County Long
JUDICIARY COMMITTEE SUBCOMMITTEES: RANKING MEMBER CONSTITUTION INTELLECTUAL PROPERTY, COMPETITION, AND THE INTERNET TRANSPORTATION AND INFRASTRUCTURE COMMITTEE SUBCOMMITTEES: HIGHWAYS AND TRANSIT RAILROADS,
What Are My Rights? You have the right to: Iowa Department of Human Services Apply for any program. File an application in person, by telephone, on line, by fax or mail at any local DHS office. Have someone
MONTGOMERY COUNTY, KANSAS EMERGENCY OPERATIONS PLAN ESF14-Long Term Community Recovery Planning Team Support Agency Coffeyville Public Works Independence Public Works Montgomery County Public Works 1/15/2009
REIMBURSEMENT PROCEDURE for FEMA PUBLIC ASSISTANCE Financial Assistance Availability The impact of major or catastrophic emergencies can exceed local financial resources. Financial aid and assistance may
Flood Insurance Repetitive Loss Property When our system of canals, ditches and culverts was built over 20 years ago, it could handle all but the largest tropical storms and hurricanes; since then, urban
NY Rising Housing Recovery Program Frequently Asked Questions Revised February 4, 2014 PROGRAM OVERVIEW The NY Rising Housing Recovery Program includes several programs to help New Yorkers rebuild in the
2007 California Wildfires Disaster Tax Issues Presidentially Declared Disaster Areas Anna Maria Galdieri is a CPA in Oakland, California. She developed her expertise in the area of disaster tax law working
DAUPHIN COUNTY CDBG-DR HOUSING REHABILITATION PROGRAM Application for Assistance GENERAL INFORMATION Purpose: Dauphin County is providing assistance for housing rehabilitation activities to repair existing
Federal Disaster Recovery Assistance from the US Small Business Association (SBA) for Private, Nonprofit Organizations Presented by Mark Randle 3 December 2014 heritagepreservation.org/shep heritagepreservation.org/shep
MODULE B UNIT 6 Animals in Disasters Recovering from a Disaster Overview Federal, State, and local governments work together in any major emergency. Emergency assistance funding is based on the concept
F-671 (10-12) Here is the National Flood Insurance Guide that you requested. This brochure will not only show you how to purchase flood insurance, it will also show you how to protect your home or business
When a community sustains wind, flood or fire damage, public adjusters tact enables owners to minimize losses, maximize settlements and get back to business. 48 UNITS December 2007 BY WES BALDWIN December
to Family Health Care Coverage A Publication of ABC for Health, Inc. Information current through July 2011 2 About ABC for Health, Inc. Founded in 1994 by public interest attorney Robert A. Bobby Peterson,
The Jones County disaster recovery center will open on Friday, October 22nd at the Jones County Civic Center. It will be open from 8:30AM till 6:30PM. The center is scheduled to be open 7 days a week for
FEMA, SBA, and Other Benefits for Hurricane Katrina and Rita Survivors Annotated Outline, 10/28/05 Prepared by: Eli Palomares, Kate Meiss, Neighborhood Legal Services of Los Angeles County I. FEMA Benefits
SITUATION REPORT No. 11 South Florida Tornadoes The Florida State Emergency Response Team May 9, 2003 - Published at 1700 Hours State Emergency Operations Center Level: 3 Operational Period: May 7, 2003
Flood Insurance Premium Increases And Increased Cost of Compliance Eligibility January 11, 2015 (This document is updated frequently, so please consult the most recent edition) Margaret Becker Director
What s UP with Renters Insurance? Renters insurance is a bargain compared to most kinds of insurance. It s the best way to make sure you ll have cash to repair or replace your belongings if a fire or natural
Date November 1, 2011 Group Umbrella Liability Insurance Plan Marsh & McLennan Companies Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the
2013 Annual Awards Entry Form (Complete one for each entry.) Entry Name Fill out the entry name exactly as you want it listed in the awards program. HFA Submission Contact Phone Program Contact Phone Email
SOCIAL SECURITY OVERPAYMENTS: RESPONDING TO A NOTICE THAT SAYS YOU HAVE BEEN OVERPAID This document contains general information for educational purposes and should not be construed as legal advice. It
Federal Disaster Recovery Assistance from the US Small Business Association (SBA) for Private, Nonprofit Organizations Presented by Mark Randle 3 December 2014 heritagepreservation.org/shep heritagepreservation.org/shep
Disaster Recovery 101 the basics. Scott MacLeod, MA Emergency Management Agency Hazard Mitigation & Disaster Recovery Division Manager December 19, 2012 1 Today s discussion Define disaster recovery Provide
Homeowners Insurance TOOLKIT Florida residents know firsthand that it pays to plan ahead. Dealing with wildfires, floods, tornadoes, hurricanes, winter storms, sinkholes and other disasters, not to mention
Questions and Answers The Homestead Act Massachusetts General Laws, Ch. 188, 1-10 William Francis Galvin Secretary of the Commonwealth updated 8/1/13 William Francis Galvin Secretary of the Commonwealth
Chapter 9 Small Business Administration (SBA) Disaster Loans I. Introduction to SBA Disaster Assistance...1 A. Three Types of Disaster Loans Available...1 1. Physical Disaster Home Loans...1 2. Physical
Flood Insurance Claims Basics A few insurers sell expensive home policies that cover flood damage, but most property owners who want flood protection have to buy it through the National Flood Insurance
1. Purpose This annex provides an overview of the general process to be followed in recovering from the economic results of a natural disaster or other major emergency that may impact Coos County. It outlines
Rhode Island Department of Human Services SUPPLEMENTAL SECURITY INCOME (SSI) AND STATE SUPPLEMENTAL PAYMENT (SSP) PROGRAM January 2014 Rhode Island Department of Human Services Supplemental Security Income
FEMA Faces Challenges in Verifying Applicants' Insurance Policies for the Individuals and Households Program October 6, 2015 OIG-16-01-D DHS OIG HIGHLIGHTS FEMA Faces Challenges in Verifying Applicants
1-800-927-4357 www.insurance.ca.gov Earthquake Insurance California Department of Insurance Table of Contents Page 2 Before You Buy Earthquake Insurance 4 Basic Earthquake Insurance 6 What Earthquake Insurance
FEMA Debt Resolution Process: In Summary After every disaster, FEMA is required to audit disaster assistance payments to ensure taxpayer dollars were properly spent. Those audits often show a small percentage
Chatham County Disaster Recovery Plan Recovery Planning Update Mark Misczak, Brock Long, & Corey Reynolds Hagerty Consulting April 7, 2015 Welcome Introduction to Recovery Planning Recovery Planning Process
MassHealth Commonwealth of Massachusetts EOHHS www.mass.gov/masshealth MassHealth Buy-In for people who are eligible for Medicare IF your monthly income before taxes and deductions is below AND your assets
NY Rising Housing Recovery Program Frequently Asked Questions Revised April 10, 2014 PROGRAM OVERVIEW The NY Rising Housing Recovery Program includes several programs to help New Yorkers rebuild in the
Introduction The previous four lessons focused on pre-disaster mitigation: developing a program, and writing and implementing a hazard mitigation plan. The Disaster Mitigation Act of 2000 (DMA 2000) encourages
Sick & In Debt Handling Medical Debt 2007 CAA Forum September 7, 2007 Overview What to do when a client has a medical bill? Medi-Cal Defenses & Reimbursement Defenses for Enrollees of Managed Care Plans
Statewide Economic Impacts of Disaster -Related Payments to Support Household and Private and Public Sector Recovery in Iowa Dave Swenson Department of Economics Iowa State University January, 2010 Introduction
When a Disaster Strikes: What to Do After an Insured Homeowners Loss A Question and Answer Guide for Homeowners Prepared by Commonwealth of Virginia State Corporation Commission Bureau of Insurance This
Rev. 01/2014 Office of Unemployment Insurance Administration Unemployment Claims Unit PO Box 94094, Room 386 Baton Rouge, Louisiana 70804-9096 Unemployment Benefits Rights and Responsibilities (Benefits
City of San Diego Rancho Bernardo 18448 W. Bernardo Drive Monday through Friday: 8am 7pm Saturday: 8am 4pm Sunday: 10am 2pm Change in Hours: Special Hours Saturday, November 17 Only: 8am 12 pm Closed for
The City of New York, Office of Management and Budget, New York, NY Community Development Block Grant Disaster Recovery Funds, Business Loan and Grant Program Office of Audit, Region 2 New York New Jersey
SANDY ALERT: FREQUENTLY ASKED QUESTIONS Many businesses and individuals throughout the Northeast have suffered losses due to Hurricane Sandy and now face the challenges of rebuilding and resuming operations
The Role of Elected Officials During Disasters The Florida Division of Emergency Management Bryan W. Koon Director Florida Division of Emergency Management Introduction Florida s elected officials play
1. IMPORTANT NUMBERS INFORMATION REGARDING FLOOD CLAIMS A. Government and Emergency Agency Numbers: American Red Cross (866) 438-4636 Animal Control (225) 774-7700 Baton Rouge Police (225) 389-3831 Baton
UNITED CHURCH OF CHRIST LOCAL CHURCH DISASTER PREPAREDNESS AND RESPONSE PLANNING GUIDELINES The United Church of Christ local churches may use this plan as a guide when preparing their own disaster plans
APPLICATION FOR EMERGENCY RESIDENTIAL REHABILITATION ASSISTANCE Office of Housing and Neighborhood Development Keefe Community Center, 11 Pine Street, Hamden, Connecticut 06514-4924 Telephone (203) 776-5978
Financial Risk: Insurance Questions and Answers What is an insurance policy? A legally binding contract Insurance company and the policyholder (person insured) In exchange for payment (premium) The insurance
Q. Who can I contact for information? Frequently Asked Questions for Bank Customers in Areas Affected by Hurricane Sandy A. The FDIC realizes that customers with limited access to a working telephone or
Disaster Response Plan In Partnership with SUSUMCDRP - September 2010 1 INDEX Introduction..2 Goal... 3 Four Levels of disasters: Relief and Recovery... 3 Purpose... 4 Plan Implementation and Responsibilities...
ST. JOHN THE BAPTIST PARISH ISAAC CDBG SMALL RENTAL REHABILITATION PROGRAM INTAKE APPLICATION INSTRUCTIONS FOR APPLICATION General Instructions Read the instructions for this application. Please type or
Alaska Consumer Guide to Auto Insurance State of Alaska Department of Commerce, Community, and Economic Development DIVISION OF INSURANCE About the Alaska Division of Insurance The Alaska Division of Insurance
MEDICAID For SSI-related persons Comm. 28 (Rev.7/10) PRINTED ON RECYCLED PAPER Iowa Department of Human Services DHS POLICY ON NONDISCRIMINATION No person shall be discriminated against because of race,
Bulletin TO: All Freddie Mac Sellers and Servicers October 7, 2005 SUBJECT: Servicing Relief Measures for Mortgages Affected by Hurricane Katrina and Hurricane Rita, and a change to Selling Requirements
State of Wisconsin Guidelines for Assessing and Documenting Disaster Damage Part 1: Immediately After the Event Department of Military Affairs Wisconsin Emergency Management 2400 Wright St. Madison, WI