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 email@example.com.
Last Updated 11/28/2016 at 1:30pm
Information for Real Estate Professionals
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.
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.
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®
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.
Website: Temporary Housing & Rental Listings
**Please note this links to an active and shared document so items listed on here are from various sources and constantly being added and taken off
Website: Shelter at Home 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.
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.
Hotel & Food Assistance by FEMA taken from The Advocate
FEMA is offering temporary shelter assistance by paying for hotel rooms on a rolling 30-day basis for people who lost their homes in the flooding and who register their claims with FEMA. The hotel assistance applies only to people who are living in a car, a hotel or motel, a mass shelter or at their place of employment because of displacement.
The program called Disaster Supplemental Nutrition Assistance Program, DSNAP is intended to help people hurt by the flood buy a month’s worth of groceries. A family of four could receive up to a $650 allotment. To pre-register for DSNAP, click here.
Banks & Loan Programs
Business First Bank announces Financial Services to aid area flood victims
A variety of financial services to help the people and businesses in the affected flood parishes of Southern Louisiana get their lives and businesses back on track.
These services include:
- Unsecured personal and commercial loans to help with flood expenses
- Payment deferrals on personal and business loans
- Special discounts for new business term loans
- Penalty-free withdrawals from CDs
- Personal and commercial bankers to assist customers who have difficulty making payments
Details can be found on the website here.
Disaster Recovery Hotline 225.932.7222 has been established for Business First personal and commercial customers that have questions or financial concerns. All Business First locations are open for service with the exception of the Banking Center in Denham Springs, which is currently only operating through its ATM machine.
Whitney & Hancock Bank
We are waiving some fees, as well as offering payment deferrals and special recovery assistance loans. Check out this link for the full list of details, eligibility and conditions.
Iberia Bank Mortgage
Home Improvement loan that is unsecured. Max amount is $45,000.
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
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.
FLOOD INSURANCE & CLAIMS
(September 12) FEMA Grants an Extension for NFIP Deadline for filing claims
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:
Document: FEMA Flood Claims Handbook
Key Insurance Tips
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.
Document: Small Business Recovery Guide
Article: Tax Tips for Disaster Survivors
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.”
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.
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.
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
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