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Has Fema helped you?

Has Fema helped you?

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by: TEXASGIRLMAMMA Active Indicator LED Icon 10 OP 
~ 6 years ago   Oct 7, '17 2:23pm  
Just wondering if Fema has stepped up and actually helped any of the flood victims in the Kingwood area.  They are coming to my friends home next week and she is worried.  They lost everything but it seems like people here are not getting any help.  If you filed with Fema (or know someone who has) but have been rejected please post.   4951
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TEXASGIRLMAMMA Active Indicator LED Icon 10 OP 
~ 6 years ago   Oct 7, '17 2:32pm  
Oops!  I would like to know if you were rejected or if Fema helped you.  So, Please post either way. Thanks 4951
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airguy Active Indicator LED Icon 3
~ 6 years ago   Oct 7, '17 2:42pm  
What next after these technicolor postings? 4951
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TEXASGIRLMAMMA Active Indicator LED Icon 10 OP 
~ 6 years ago   Oct 7, '17 2:45pm  
What next after these technicolor postings?
@airguy: It makes life more fun!  You should try it!
 
 
4951
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teatime Active Indicator LED Icon 7
~ 6 years ago   Oct 7, '17 3:23pm  
4951
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Fallon Active Indicator LED Icon 18
~ 6 years ago   Oct 7, '17 3:26pm  
Removed By Request 4951
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Stealth83 Active Indicator LED Icon 16
~ 6 years ago   Oct 7, '17 3:43pm  
Removed By Request 4951
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teatime Active Indicator LED Icon 7
~ 6 years ago   Oct 7, '17 6:36pm  
4951
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teatime Active Indicator LED Icon 7
~ 6 years ago   Oct 7, '17 6:37pm  
4951
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Stealth83 Active Indicator LED Icon 16
~ 6 years ago   Oct 7, '17 6:43pm  
Removed By Request 4951
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ET Active Indicator LED Icon 17
~ 6 years ago   Oct 7, '17 6:43pm  

- - - - - - - -
>> Even low income areas are getting loans only. Some are getting rental assistance but most cash grants are less than 1000.
 
@Stealth83: Quite  a few of my neighbors did get grants in addition to loans. They are not low income residents. Many of them were surprised that they received a grant. 
 
 
 
@teatime:
 
I've seen grants of $37k to uninsured, not going to go too far but better than nothing.
Retired folks are going to have problems getting SBA loans without an income source. 4951
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dotti573 Active Indicator LED Icon 15
~ 6 years ago   Oct 7, '17 6:53pm  
We have a new employee that flooded. He has breathing issues and was having a problem staying in the house while they were cleaning it out. He has flood insurance so both FEMA and Red Cross gave him nothing. Told him to go thru his insurance. They wouldn't even voucher his hotel. Told him to submit to his insurance. He feels like if he had no flood insurance he would have been better off. 4951
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teatime Active Indicator LED Icon 7
~ 6 years ago   Oct 7, '17 6:56pm  
4951
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teatime Active Indicator LED Icon 7
~ 6 years ago   Oct 7, '17 6:59pm  
4951
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Stealth83 Active Indicator LED Icon 16
~ 6 years ago   Oct 7, '17 7:01pm  
Removed By Request 4951
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buddyboy Active Indicator LED Icon 16
~ 6 years ago   Oct 7, '17 7:06pm  
Yes, but the loans seem to be generous IMO. Many of my neighbors are qualifying for govt loans around 190 K with around 1.75% to 2% interest in 25K increments, as needed.  As my neighbors tell it, if you need to borrow 50K or 150K your note doesn't change, just length of the loan. So if your payment due is $200 it will be that no matter how much you borrow, just could be a 10 year note or a 20 year note if you take out more.   If you got a grant, that is subtracted from the loan. So if you borrow 150K and your grant is 25K then the loan is adjusted to 125K.    The first payment of the loan isn't due right away, I think a neighbor said 6 months from the date of the loan if I'm not mistaken.  They tell you how much of a SBA loan you qualify for and you have a case manager you contact to take out your increments.  Another term of the loan is that those getting it have to now carry flood insurance if they didn't have it. From what I have heard from neighbors as well (my neighborhood was heavily flooded) those with flood insurance are not usually getting any grants.  They may get a little for housing if they had to go to a hotel or rent somewhere.  But it seems the most they can hope for is the SBA loan.  I am sort of trying to figure out if the people without insurance are coming out ahead of the ones that had as far as assistance goes.  Even though we were very fortunate to not have flooded I am trying to learn as much as I can from me neighbors that did because as we have all  learned, it could happen to any of us.  Not just people here either, anyone in Houston or along the gulf coast, or in this region. We are all vulnerable just depending on the circumstances My friends and neighbors were blindsided in a lot of cases and when it happened they did not know the steps to take or what to do to start rebuilding their homes and lives. So I think it is important for all of us to pay attention to what the lessons of the flood are.That being said, the majority of the people around me seem pleased with the assistance they have received once the ball gets rolling.  I have been actually surprised at the assistance the gov't is providing because I am in an area of pretty high incomes overall. I'm not expert or anything close, this is just information from perspective of my neighbors that have shared with us and each other as everyone is trying to learn and help each other with the process. It also could be that other neighborhoods have not had the same experiences as my neighbors have had. 
 
@teatime: have any of your neighbors discussed a fear that by the end of the repairs using new loans,possibly in addition to an already existing mortgage, that they will have more into the house than what they could sell for?
 
4951
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