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

Have you seen the new FEMA FLOOD Insurance Rating Structure and Risk Rating 2.0 details?

No matter what side of the fence you are leaning against, its time to review and update the way we look at flood insurance. Its also time we think long term recovery instead of just getting back into your home then wait for the next disaster to happen.

By Murray Wennerlund published 10-13-2022 updated 10-14-2022
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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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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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National Flood Insurance Program: The Current Rating Structure and Risk Rating 2.0 BFE elevation estimates

The National Flood Insurance Program NFIP has been working overtime publishing documents that are clearly indicating your best elevation number will be no less than 3 feet above Base Flood Elevation BFE for the best pricing structure.

By Murray Wennerlund published 10-4-2022 updated 10-4-2022
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What happens to the homeowners that don't pay for the NFIP Flood Insurance required by FEMA?

FEMA NFIP insurance requirement audits are done by state/local governments, not FEMA. Non-compliance may lead to loss of federal assistance, increased risk of home loss, and legal actions. Document all repair spending meticulously.

By Murray Wennerlund published 11-16-2024 updated 11-16-2024
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How to complete your Manufactured Home Substantial Damage Estimate.

Step 2 is to enter the correct data the first time and with your FEMA NFIP Community Rating System Floodplain Managers in mind. You dont want them to reject your file for missing data. The data is collected and reviewed by the person creating the report.

By Murray Wennerlund published 1-10-2023 updated 1-10-2023
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RV and Travel Trailers used as primary residence home do qualify for IHP up to $42,500 from FEMA

Those who live full time in RV and Trailers can and should apply for IA and IHP if your RV or trailer was damaged in a federally declared disaster specifically a flood disaster.

By Murray Wennerlund published 12-16-2022 updated 11-9-2024
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Livingston Parish RE: Notification of Substantial Damage and NFIP Non-Compliance

FEMA Substantial Damage notice dated April 19, 2021 and sent by the Livingston Parish LOHSEP to homeowners. It is estimated that more than 3,800 homeowners have been requested to follow the FEMA mitigation policies that should have been processed in 2016

By Murray Wennerlund published 4-23-2021 updated 12-31-2021
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