BEGINNING YOUR RECOVERY:
Louisiana renters who experienced losses due to the severe storms and flooding
beginning on Aug. 11, 2016, may be eligible for disaster recovery assistance from FEMA and the
U.S. Small Business Administration (SBA).
Renters may be eligible for grants from FEMA to help with such disaster-related expenses as:
Renting a new place to live when the renter’s previous home was lost due to the disaster.
Disaster related medical and dental expenses.
Replacement or repair of necessary personal property lost or damaged in the disaster, such as
appliances and furniture, textbooks and computers used by students, and work equipment or
tools used by the self-employed.
Repair or replacement of vehicles damaged by the disaster.
Disaster-related funeral and burial expenses.
FEMA grants are not loans and do not have to be repaid. They are not taxable income and will not
affect eligibility for Social Security, Medicaid, welfare assistance, SNAP benefits and several other
Additionally, renters may qualify for a low-interest loan of up to $40,000 from the SBA to repair or
replace personal property.
HOUSING UPDATE - 08/24/16 - In his press conference today, the Governor announced additional options available to those displaced by flooding:
- The Shelter at Home program: Beginning Monday, this program will allow homeowners and their families to stay in their homes while they rebuild, rather than relocate to a shelter, hotel or rental.
- Manufactured Housing Units (MHUs) program: FEMA will provide mobile homes for up to 18 months to eligible applicants. Unlike the old FEMA trailers, these mobile homes are built according to U.S. Department of Housing and Urban Development standards.
- Multi-Family Lease and Repair Program (MFLRP): In this program, FEMA identifies larger scale rental property currently not on the market where the property owner, with some financial assistance from FEMA, can make the property ready to rent within two months. The property owner agrees to make these rentals available to eligible FEMA applicants.
FEMA NOTICE FOR ALL PARISHES AFFECTED BY THE LOUISIANA FLOODS
You are encouraged to complete an application for disaster assistance now, even if your parish has not yet been federally declared for Individual Assistance.
Please click Apply Online to start your application. When asked to choose a disaster, select the disaster number "4277." If your area has not yet been declared, you may just click Next to proceed. Your application will be processed if and when your parish is added to the current declaration.
La. Dept. of Ins. Recommendations: https://www.ldi.la.gov/floodrecovery/
For homeowners with flood policy coverage affected by flooding:
Notify your insurer to start the claims process. Make sure you have the name of your insurance company, your policy number, and a telephone number and/or email address where you can be reached at all times.An adjuster should contact you within a few days of filing your claim. If you do not hear from an adjuster, you can contact your insurance agent or company again.
Document the damage. Separate damaged from undamaged property. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate. Take photographs of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels. Make a list of damaged or lost items and include their date of purchase, value, and receipts, if possible. Officials may require disposal of damaged items so, if possible, place flooded items outside of the home.
Complete a proof of loss to support your claim. Your adjuster will assist you in preparing a Proof of Loss (which is your sworn statement of the amount you are claiming including necessary supporting documentation) for your official claim for damages. A Proof of Loss can be many things, but must contain the specific details set forth in the Standard Flood Insurance Policy. You'll need to file your Proof of Loss with your insurance company within 60 days of the flood. This document substantiates the insurance claim and is required before the National Flood Insurance Program (NFIP) or insurance company can make payment. You'll receive your claim payment after you and the insurer agree on the amount of damages and the insurer has your complete, accurate, and signed Proof of Loss. If major catastrophic flooding occurs, it may take longer to process claims and make payments because of the sheer number of claims submitted.
Flood Insurance/NFIP: https://www.floodsmart.gov/floodsmart/pages/faqs/how-do-i-file-a-flood-insurance-claim.jsp