What Does “Substantial Damage” Mean?

The term “substantial damage” applies to a structure in a Special Flood Hazard Area – or floodplain – for which the total cost of repairs is 50 percent or more of the structure’s market value before the disaster occurred, regardless of the cause of damage. This percentage rule can vary among jurisdictions. The decision about a structure being substantially damaged is made at the local-government level, generally by a building-department official or floodplain manager. For communities that participate in the National Flood Insurance Program (NFIP), substantial damage determinations generally are required by local...
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Beware: Disaster Survivors Can be Victims of Fraud and Identity Theft

AUSTIN, Texas – A recent case of attempted fraud in Texas underscores how disaster survivors can be victimized by fraudsters.A Texas family received a bogus “notice” sporting the FEMA logo, assuring the family that it qualified for large sums of assistance. All they needed to do was to put a few thousand dollars in cash into an envelope and leave it in their mailbox. FEMA would come around and pick it up. Then the family would get a fat payoff in assistance. The notice was a total scam.The family was also...
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Disaster Unemployment Assistance Available to Flood-Affected Workers

OIG Hotline Report Fraud, Waste & Abuse Official website of the Department of Homeland SecurityOriginal linkOriginal author: daniel.green2
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Jim Wells County Added to Disaster Declaration for Individual Assistance

AUSTIN, Texas — Residents of Jim Wells County who suffered damage from the severe storms and flooding that occurred from June 19 - July 13, 2018 might now be eligible for programs that address certain needs. After conducting Preliminary Damage Assessments in the county, FEMA amended the Major Disaster Declaration of July 6 to include Jim Wells County for its Individuals and Households Program.  FEMA encourages survivors of the flooding to self-assess their situation. For homeowners and renters, first determine if your home is safe, sanitary and functional. If your dwelling fails...
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Rebuild With Flood-Resistant Materials

Disaster survivors from Hidalgo and Cameron counties who are rebuilding and repairing their homes after the severe storms and floods of June 18-July 13, 2018, are urged to rebuild safer and stronger. Mitigation experts say this is an opportunity to rebuild by taking steps to use more flood-resistant building materials.  By using more flood-resistant materials, survivors can reduce the damage caused by future flood waters and make cleanup easier. Building materials are considered flood-resistant if they can withstand direct contact with flood waters for up to 72 hours without being significantly...
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