Disaster Relief List of Resources

The resources provided throughout this page are compiled from a variety of resources and agencies and organizations. The page is intended to help navigate ways to apply for federal aid and provide links and information to support disaster relief. As new resources are known they will be added. If you have something you think would be valuable to add, please email to info@larealtors.org. 

Last Updated 8/30/2017


Disaster Preparedness Resources

The Governor’s Office of Homeland Security & Emergency Preparedness has a Get a Game Plan Campaign with helpful resources to prepare for the state’s next disaster. The information provided is thorough and provides a Louisiana Emergency Preparedness Guide. The site and booklet is a great resource to provide to your clients and the link to these resources can be added to your website.

http://www.getagameplan.org/

Download the Louisiana Emergency Preparedness Guide

Get a Game Plan - Governor's Office of Homeland Security

Information for Real Estate Professionals

Obtain & Maintain Insurance Requirement

Transaction guidance after a natural disaster

RECORDING: Short Sale Transactions

In an effort to educate REALTORS® regarding the short sale transaction, LR is providing a special condensed version of the NAR Short Sales and Foreclosures (SFR) class for the areas of our state that are seeing an increase in the Short Sale transaction following this summer’s flooding disaster. National instructor and long time Louisiana GRI teacher, Lynn Madison, recorded a presentation that provides an introduction to the terms and definitions along with dissecting the short sale transaction when you are representing the seller and what there is to know when representing the buyer. This is intended to be an informational piece and does not carry any credit. The recording can be viewed at your own pace and will be available as a resource. A 4- hour live session is planned for additional information and Q&A for the first part of next year.

Short Sale Transactions, Part 1

Short Sale Transactions, Part 2

For questions or education related questions, contact our office at 1-800-266-8538.

RECORDING: Disaster Information Session (Sept 1, 2016)

On September 1, 2016, Louisiana REALTORS® partnered with the CCIM Institute and Louisiana CCIM to provide a Flood & Disaster Information Session to discuss issues about insurance, taxes, inspections, mold, property values and contracts. Over 100 REALTORS® and bankers from around the state tuned in for the live presentation and the recording of this presentation along with all supplemental materials and handouts referenced are provided on this page.

RECORDING: Flood/Disaster Relief Information Session for Residential and Commercial REALTORS®


Why Homeowners Should Consider Purchasing Flood Insurance

INFORMATIONAL PAMPHLET  DOWNLOAD (FREE)

Only 20% of American homeowners at risk for floods have flood insurance policies.   National weather patterns in recent years have caused flooding even in areas that are not considered “flood hazard areas”.  As a result of the increasing frequency of unprecedented and sudden flooding in areas that have never flooded, all homeowners are strongly encouraged to consider purchasing a flood insurance policy for their homes. Now you can download this FREE resource and share with your clients.

WHY HOMEOWNERS SHOULD CONSIDER PURCHASING FLOOD INSURANCE.
INFORMATION FOR CONSUMERS FROM THE LOUISIANA REALTORS®

PDF version on 8.5 x 11

Tri-fold Pamphlet


Key Insurance Tips

Website: United Policy Holders’ Roadmap to Recovery

Worksheet: Home Inventory Spreadsheet
This resource provides an extensive Excel spreadsheet to help inventory your personal property

Excerpt taken from Road Map to Recovery

  • Take photos of the damage before any clean-up or repairs are done.
  • Keep a diary of conversations with insurance, repair, government and other professionals.
  • Focus on drying/cleaning out, avoiding further damage, while getting all flood damage inspected, measured and estimated by qualified, reputable and independent experts.
  • Flood insurance policies have different rules than home insurance policies.
  • Start working on a detailed and itemized “proof of loss” form but don’t rush and leave things out.
  • Give your home and/or flood insurer a chance to do the right thing, but advocate for yourself and be prepared to get help if you’re not being treated fairly.
  • If a home or flood insurance adjuster says damage isn’t covered, but you feel it should be, get an independent professional opinion before giving up on getting some or all of your claim paid.

 

FLOOD INSURANCE & CLAIMS

(September 12) FEMA Grants an Extension for NFIP Deadline for filing claims

Document: FEMA: Flood Insurance Manual Effective April 1, 2016

Document: Instructions for the Flood Claim Process

If you HAVE flood insurance, here are a few helpful flood claims numbers:

Allstate 1-800- 527-2634 or 1-866- 747-1603
American Bankers/ Assurant 1-800- 423-4403
Liberty Mutual 1-800-225-2467
State Farm 1-800- 782-8332The following companies share the same claims response number:
Centauri
Imperial
National General
Maison
QBE
1-877- 486-7736

Document: FEMA Claims Guidance & Structural Drying and Other Related Items

Document: FEMA Flood Claims Handbook

Housing

Website: lahousingsearch.org

Website: Shelter at Home Program

Website: FAQ document provided by FEMA on the Multi-Family Lease and Repair Program

FEMA is offering additional types of housing assistance to eligible FEMA registrants, including:

  • Mobile homes for up to 18 months (MHUs); and
  • Housing for up to 18 months in multifamily housing units (apartments) leased by FEMA and repaired or improved using FEMA financial assistance.

Website: U.S. Housing and Urban Development (HUD)

will speed federal disaster assistance to the State of Louisiana and provide support to homeowners and low-income renters forced from their homes due to severe storms and flooding. The President’s declaration allows HUD to offer foreclosure relief and other assistance to certain families living in this county. For more information on HUD disaster programs, click here.

Website: Louisiana Housing Corporation Disaster Housing Task Force


Rebuilding & Contractors

Our friends at the Louisiana Home Builders Association would like to remind you to check with the Louisiana State Licensing Board for Contractors before you hire ANYONE to repair the damages! There are rules and laws in place to protect YOU! http://www.lslbc.louisiana.gov

Document: Contractor Integrity

Links to the Louisiana Licensing Board for Contractors’ document outlining rules and tips for hiring a verified contractor. 1-800-256-1392

Document: Consumer Tips for Victims

Disasters can bring scam artists and price gouging into the area by those seeking to take advantage of victims. Below is a link from the Louisiana Attorney General’s office offering consumer tips and a consumer protection number to call to prevent and report fraudulent activity targeting disaster victims. 1- 800-351-4889

Document: Weathering the Storm

Provided by the Louisiana Licensing Board for Contractors’ outlining rules and tips for hiring a verified contractor.

Document: Repairing Your Flooded Home

Presentation: Hidden Moisture in Flooded Building

Louisiana Department of Justice – Attorney General Jeff Landry

Website: How to File a Price Gouging Complaint

Document: Consumer Tips for Natural Disaster Victims
 

Provides a booklet with guidelines and model contract for home repairs contracting

Document:  Rebuild Healthy Homes

HUD has developed a guide to help homeowners, volunteers and other workers restore damaged homes in a way that puts people first. It includes how-to methods, tips and improvement ideas for safe restoration that result in not just a livable dwelling, but a healthy home that offers even more than before.


Taxes

Article: IRS Provides Tax Relief to Flood Victims

IRS Disaster Loss Workbook (for individuals)

IRS Disaster Loss Workbook (for Businesses)

Article: Tax Tips for Disaster Survivors

Website: Louisiana Business Emergency Operations Center

Website: Louisiana Association of Business & Industry (LABI) Flood Recovery for Businesses

Website: Sales Tax Disaster Relief

“The state will reimburse you for the state sales tax you paid on any portion of destroyed property not reimbursed by insurance or disaster relief,” said Treasurer Kennedy. “The reimbursement applies to furniture, rugs, utensils, clothing, linens, televisions, cameras, toys, exercise equipment, books and even lawn mowers.”


Federal Aid

Document: SBP Guide to Navigating Federal Programs

New Orleans-based disaster-recovery nonprofit SBP has released an 11-page guide to help flood victims navigate FEMA, the National Flood Insurance Program and the U.S. Small Business Administration’s low-interest loan programs. The guide includes tips, checklists, a flow chart of what applications to file when, the basics of each program as well as the important notes that lurk in the fine print. It also covers the appeals procedures and other resources disaster victims have at their disposal.

Access the guide from SBP here.

SBP, formerly known as the St. Bernard Project, started after Hurricane Katrina and now works in several states rebuilding homes and working with other recovery groups on its mission to shorten the time between disaster and recovery.

If you know someone without flood insurance, FEMA’s disaster relief program provides grants and loans.

Website: https://www.disasterassistance.gov/

To search for possible federal financial assistance, including from FEMA,  determine eligibility, apply for assistance if eligible, and check the status of your application. This site has many links to information and federal resources that may be available to you and your business. You can also call the FEMA Helpline 1- 800-621-3362

WebsiteSummary of Federal Aid for Louisiana Flood Victims

Provides a summary of key federal disaster aid programs that can be made available as needed and warranted under President Obama’s disaster declaration issued for the State of Louisiana.

Website: US Small Business Administration (SBA) also has disaster assistance available, including low-interest disaster loans for home losses, business losses, and economic disaster injuries. Disaster loans up to $200,000 are available to homeowners to repair or replace damaged or destroyed real estate. Homeowners and renters are eligible for up to $40,000 to repair or replace damaged or destroyed personal property. Loans are available up to $2 million for business property losses not fully compensated by insurance and disaster-related cash flow problems and needed funds for working capital to recover from the disaster’s adverse economic impact. Loan amounts and terms are set by SBA and are based on each applicant’s financial condition. 1-800-659-2955