With thousands of homeowners, farmers and businesses hit by floods, tornadoes and fires, displaced victims are wondering how the Federal Emergency Management Agency (FEMA) can assist, finds Grumpy Editor.
National media, especially television, are providing fine coverage of the devastation hitting many parts of the U.S.
However, aside from efforts by volunteers along with the Red Cross, Salvation Army and other groups, little is being said about financial and other assistance to those with lost or damaged property seeking to recover soonest.
FEMA, with more than 3,700 full time employees, points out disaster aid comes in the form of money or direct assistance to individuals, families and businesses whose properties --- not covered by insurance --- have been damaged or destroyed.
It is designed to help with critical expenses that cannot be covered in other ways but is not intended to restore damaged property to its pre-disaster condition.
Most disaster assistance from the federal government comes via loans administered by the Small Business Administration.
For most victims, housing is most needed.
Here, in FEMA’s own words, is how the agency helps:
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Temporary Housing (a place to live for a limited period of time): Money is available to rent a different place to live, or a government provided housing unit when rental properties are not available. [The FEMA site (listed at the bottom here), provides information on housing rental sources.]
Repair: Money is available to homeowners to repair damage from the disaster to their primary residence that is not covered by insurance. The goal is to make the damaged home safe, sanitary and functional.
Replacement: Money is available to homeowners to replace their home destroyed in the disaster that is not covered by insurance. The goal is to help the homeowner with the cost of replacing a destroyed home.
Permanent Housing Construction: Direct assistance or money for the construction of a home. This type of help occurs only in insular areas or remote locations specified by FEMA, where no other type of housing assistance is possible.
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Along with housing assistance, FEMA says it has money available for necessary expenses and serious needs caused by a disaster.
This includes:
* Disaster-related medical and dental costs.
* Disaster-related funeral and burial costs.
* Clothing; household items (room furnishings, appliances); tools (specialized or protective clothing and equipment) required for your job; necessary educational materials (computers, school books, supplies).
* Fuels for primary heat source (heating oil, gas).
* Clean-up items (wet/dry vacuum, dehumidifier).
* Disaster damaged vehicles.
* Moving and storage expenses related to the disaster (moving and storing property to avoid additional disaster damage while disaster-related repairs are being made to the home).
* Other necessary expenses or serious needs as determined by FEMA.
* Other expenses that are authorized by law.
FEMA also provides other services, including crisis counseling, disaster unemployment assistance, legal services and special tax considerations.
For further details, go to www.fema.gov/assistance/index.shtm