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

FEMA is here to help you in the short term recovery processes quickly after a declared disaster. They do not have the knowledge to advise you for your long term recovery other than giving you a simple damage estimate and offering you up to SBA for loans.

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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