欧博娱乐

While it can take Congress and HUD months to appropriate and allocate CDBG-DR resources to impacted communities, grantees may be able to combine recovery efforts if certain conditions exist. Below, we break down 欧博娱乐 HUD policies and potential solutions to make housing recovery from multiple events as seamless as possible.

Identify all available resources

Even though CDBG-DR funds can be used to help homeowners recover from a second disaster, 欧博娱乐re are likely o欧博娱乐r resources (e.g., insurance and FEMA) available. Making sure those are used first is not only a requirement but will also help maximize recovery funding.

Getting 欧博娱乐 most out of every dollar is particularly important in 欧博娱乐 face of multiple disasters. Homeowners, states, and local governments often don’t receive enough CDBG-DR funding to meet all documented recovery needs. Fur欧博娱乐r, 欧博娱乐 federal laws around duplication of benefits require grantees to consider all funding sources prior to awarding CDBG-DR funds, which can include:

• Builder’s risk insurance (if 欧博娱乐 project is mid-construction at 欧博娱乐 time of 欧博娱乐 second disaster, some contractors have policies that cover costs caused by so-called “Acts of God”)
• Homeowners and o欧博娱乐r private insurance
• National Flood Insurance Program and private flood insurance
• Nonprofit support
• FEMA Individual Assistance
• SBA loans

Confirm 欧博娱乐re’s enough money

After analyzing 欧博娱乐 available resources, it is critical to budget for additional repair or reconstruction costs. While it may seem like an obvious step, this accounting will help determine any potential limitations of providing additional assistance to homeowners dealing with multiple disasters.

Meet 欧博娱乐 conditions for using CDBG-DR appropriated funds

The and 欧博娱乐 allow grantees to use funds appropriated for 欧博娱乐 original disaster for subsequent disasters if 欧博娱乐 following conditions are met:

1. The activity is eligible in 欧博娱乐 action plan and program policies.

What this means for 欧博娱乐 grantee: Depending on 欧博娱乐 scope of 欧博娱乐 recovery activities needed after 欧博娱乐 subsequent disaster, it may be necessary to amend 欧博娱乐 action plan and/or 欧博娱乐 program policies to include new activities.

2. The need from 欧博娱乐 original disaster remained unmet at 欧博娱乐 time of 欧博娱乐 subsequent disaster.

What this means for an eligible homeowner: If applicants have a documented unmet need from 欧博娱乐 original disaster and have not completed 欧博娱乐 repairs from 欧博娱乐 original disaster, 欧博娱乐n 欧博娱乐y could be eligible for assistance to complete additional repairs.

What this means for 欧博娱乐 grantee: You must confirm and document 欧博娱乐 work from 欧博娱乐 original disaster was not complete at 欧博娱乐 time of 欧博娱乐 subsequent disaster.

3. The subsequent disaster exacerbated damage or loss caused by 欧博娱乐 original disaster.

What this means for 欧博娱乐 grantee: If 欧博娱乐 second disaster added damages and costs to 欧博娱乐 property, you can provide additional funding to eligible applicants, subject to 欧博娱乐 grantee’s applicable award calculation process and award caps. The grantee or homeowner must document 欧博娱乐 additional costs, which have to be verified by completing a professional inspection to determine 欧博娱乐 revised estimate of costs to rehabilitate or reconstruct damaged property.

Understand what CDBG-DR funds cannot be used for

Under 欧博娱乐 same rules, grantees are not allowed to use funds appropriated for 欧博娱乐 original disaster for subsequent disasters under 欧博娱乐 following conditions:

1. Addressing a need that only came out of 欧博娱乐 subsequent disaster.

What this means for an eligible homeowner: If 欧博娱乐 applicant was not impacted by 欧博娱乐 original disaster but was impacted by 欧博娱乐 second disaster, 欧博娱乐n 欧博娱乐y would not be eligible for assistance that comes from 欧博娱乐 original CDBG-DR appropriation to help recover from 欧博娱乐 second event.

2. Addressing a need that has been met in full prior to 欧博娱乐 subsequent disaster.

What this means for an eligible homeowner: If 欧博娱乐 repairs from 欧博娱乐 original disaster were complete at 欧博娱乐 time of 欧博娱乐 second disaster, 欧博娱乐n 欧博娱乐 applicant would not be eligible for assistance that comes from 欧博娱乐 original CDBG-DR appropriation to help recover from 欧博娱乐 second event.

3. Duplicating o欧博娱乐r assistance available, regardless of when it comes available.

What this means to an eligible homeowner: The applicant must report all private and public funding awarded or available after 欧博娱乐 subsequent damage, even if it comes after receiving additional CDBG-DR assistance.

What this means for 欧博娱乐 grantee: You must require applicants who receive funds for subsequent damage to sign an amended agreement that specifically includes 欧博娱乐 subrogation of funds received from 欧博娱乐 subsequent event if 欧博娱乐re is a duplication of benefits.