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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You recently registered with FEMA for assistance with your disaster losses

You were told that you had to apply for a SBA Loan to be eligible for possible grants from FEMA. They may have mentioned Vehicle Grants, Home Repair Grants or any number of grants that only FEMA offered but you had to apply for a SBA Loan first.

By Writers Pool published 4-19-2018 updated 3-21-2019
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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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FEMA grants required you to carry flood insurance. Did you get enough to justify the DOB for the next flood.

When FEMA told us we had to continue to carry at least the minimum amount flood insurance or we would have to return any grant awards given by them we agreed. But did we get enough insurance? The minimum is 30,000 in coverage 1/6th replacement cost

By Writers Pool published 5-2-2018 updated 12-15-2018
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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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All areas within the disaster state are offered assistance under the Hazard Mitigation Grant Program

After Hurricane Gustav many had forgot about the HMGP offered by FEMA. By the time Isaac cleanup was over the window to apply for these disasters for elevation and acquisitions were over. Dont miss out on your opportunity to use grants to mitigate damage

By Murray Wennerlund published 10-5-2018 updated 9-20-2019
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What is FEMA Public Assistance (PA) and what is a PA Category?

What do you need to follow when your disaster area is setup with federal taxpayer dollars for Public Assistance? You need to watch what is on your governments agenda for spending to make sure the PA funds go to more services for the citizens.

By Contributor published 9-7-2020 updated 9-7-2020
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