After a disaster your insurance may be used by your lender to pay off your mortgage forcible or compulsory.

SBA loan payoff with HUD Grants ends Oct. 5, 2023. File final award of subsidized loan assistance for DRRA.

The ability to reimburse SBA disaster loans with HUD CDBG-DR Grants to homeowners will no longer be allowable because the DRRA loan exception sunsets on October 5, 2023.

By Murray Wennerlund published 9-28-2023 updated 9-28-2023
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FEMA IHP Grants determined to be for temporary repairs of your dwelling so not to depend on housing assistance

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

By Murray Wennerlund published 10-10-2022 updated 10-10-2022
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Legal fees for insurance coverage litigation will be credited as long as you are successful.

Its not done often enough, but more disaster victims are learning its best to hire an attorney on contingency of successfully litigating additional insurance payouts. Always aim for the maximum amount of disaster recovery funds by hiring a lawyer.

By Murray Wennerlund published 10-7-2022 updated 10-7-2022
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Unmet needs must be evaluated for cost changes throughout the rebuilding process.

Your state will from time to time based on influence from your governors office elect to evaluate any increase in disaster recovery costs. Your allowance for sqft may have been 78 dollars adjusted to 87 dollars due to increase costs of materials.

By Murray Wennerlund published 10-5-2022 updated 10-5-2022
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Housing Assistance Program Appeals. How do I know if my mortgage is federally backed or federally secured?

After a disaster you may need housing assistance. You may have had your mortgage broker take your homeowners insurance and paid off your mortgage. You may have found your mortgage company demands a payoff of your mortgage because your homes damage.

By Murray Wennerlund published 9-27-2022 updated 9-27-2022
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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.

What does disaster unmet needs mean?

Unmet needs are all costs related to your recovery that were not covered by other resources.

By Murray Wennerlund published 8-27-2022 updated 9-4-2022
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How to write an appeal to have HUD CDBG-DR grants reimburse NFIP insurance funds used to payoff home mortgage.

How to write an appeal for CDBG-DR reimbursement to cover NFIP insurance funds used by mortgage lenders to payoff mortgage after a disaster left your home substantially damaged. Mortgage lenders will protect their interest with your insurance payment.

By Murray Wennerlund published 5-26-2022 updated 11-3-2022
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After a disaster your insurance may be used by your lender to pay off your mortgage forcible or compulsory.

How to navigate a Forced Mortgage Payoff by your mortgage lender. When your insurance payout is taken by your lender to payoff your mortgage it's to protect the lender from default, property change of ownership.

By Murray Wennerlund published 5-18-2022 updated 11-3-2022
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Mortgage Relief Program for Homeowners Impacted by COVID-19

Homeowner Mortgage Assistance, a U.S. Taxpayer funded program designed to assist individuals and families impacted financially by the COVID-19 pandemic that are at risk of mortgage loan default and have a federally secured mortgage.

By Murray Wennerlund published 1-13-2022 updated 1-14-2022
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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.

Low Income Small Business owners with real property and unmet needs can use HUD Economic Revitalization grants

Small Businesses that own real property, are low income, filed a disaster claim with FEMA, filed an application with SBA that was denied could be eligible for HUD CDBG-DR grants managed by your state agency for Unmet Economic Revitalization Needs.

By Murray Wennerlund published 12-20-2021 updated 12-22-2021
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