FEMA is here to help and may save your day in the early days but be careful for your long term recovery.

FEMA Individual and Households Program IHP Grants explained Part 1 of 2

FEMA may have awarded you up to 42,500 in Individual and Households grants called IHP and they may have listed that this grant is for Home Repairs. Your letter will say home repairs and you might think everything in your home is repairable, right?

By Murray Wennerlund published 9-18-2018 updated 10-30-2024
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Duplication of Benefits with FEMA IHP Individuals and Households Grant Program

Many homeowners received large amounts of money shortly after the flood. If you login to your FEMA account you may find a letter similar to the one posted here.

By Murray Wennerlund published 4-15-2018 updated 10-31-2022
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FEMA Individual and Households Program IHP Grants explained Part 2 spending for reimbursement earnings.

After you have read part one this is the part that ties it all together. This is from our 2016 Floods and our experience with FEMA Grants and the Duplication of Benefits issue we all face when HUD CDBG-DR grants become available.

By Murray Wennerlund published 9-19-2018 updated 10-28-2024
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Give $30K to a disaster victim that lost everything and they are going replace what is important to them.

They spend it on what they feel is important to get back to normalcy. Everyone from the Governors office to FEMA was preaching for everyone to work on getting back into their homes and to get back to a normal life.

By Writers Pool published 5-1-2018 updated 3-21-2019
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Manufactured Home Owners MHU should avoid the FEMA IHP Home Repairs Grant at all costs

FEMA IHP Grants for Home Repairs on MHU may sound like a good idea at first but when you apply for your HUD CDBG-DR Grant you are going to find the FEMA IHP Grant will count against you and amount to nothing in return toward your rebuilding.

By Writers Pool published 5-30-2018 updated 12-15-2018
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Not all Federal Grant Dollars that are classified a Duplication of Benefits counts against you.

If you have had any experience with a natural disaster you know the term "Duplication of Benefits". But do you know they are not always the same when it comes time to tally up the grant money and assign it to your recovery project?

By Supervisor published 5-31-2018 updated 12-15-2018
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Just tell FEMA No Thanks when they refer you to the SBA Disaster Loan Program. 80 Percent AMI or lower? Say NO

After a Disaster you must identify what your AMI is before you file with FEMA. This was learned from experience and from policies in place by states with declared disaster.

By Contributor published 8-9-2018 updated 8-13-2018
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What to expect when you register with FEMA after your disaster from a homeowners point of view.

FEMA has some great media information, but like all glossy handouts, its missing the actual end user experiences and feedback. We never find customer complaints and it's always missing information they just seem to not share with disaster victims.

By Murray Wennerlund published 9-20-2018 updated 9-7-2020
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What does FEMA Federal Cost Share cover and does my state have to agree to pay the cost share?

IHP Other Needs Assistance ONA and Transitional Sheltering Assistance TSA are subject to a cost share between FEMA and the state, territorial, or tribal STT government.

By Murray Wennerlund published 9-29-2022 updated 9-29-2022
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Road Traveled How to work the National Flood Insurance Program to REDUCE Homeowner Recovery DEBT.

This is a series of posts that Ill be sharing designed to maximize your recovery by careful planning and knowing what to do and when to do it.

By Murray Wennerlund published 5-9-2019 updated 1-15-2022
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