natural_disaster   37

"No flood insurance? This was my lesson last... - Christina Dickerson
"No flood insurance? This was my lesson last year.
1. File asap with your homeowners.
2. Receive a denial notice.
3. Take denial and file w fema. Asap. You can't file until you have denial from homeowners. Unless you have no insurance, and then just file w fema.
4. Take 1,000,000 pictures of the damage including personal property and document. Put pics in an elec file easily accessed by your email.
5. Start cleanup. Sheetrock FIRST and drying house; open doors and windows to help with drying, when possible. Damaged personal property needs to be kept for view by the adjuster. You can toss Sheetrock flooring insulation but put on the side of the road in a pile for collection in a few weeks. DO NOT MAKE REPAIRS NO MATTER WHAT FEMA SAYS if you will need an SBA loan (fema loan is an SBA loan). If you won't need an SBA loan you can repair and save receipts (renting blowers/dryers, sprayers for bleach, etc count). SBA cannot approve loans on homes where even one thing has been added/replaced!! Note: you CAN replace personal property. Just cannot replace parts of the house.
6. When applying for fema, best to do at the office they will set up. Take all documents including loan papers deeds and proof of identity. You can bring your estimate of work to be done at that time if you want. If not just list things: 22" Sheetrock and insulation on 2200sf Home; wood flooring 2200sf, baseboards 110', 35' lower wooden cabinets etc. Then tell them you want to apply for an SBA loan there. The rep will be there. Have an idea of amount for building and for personal property. Have a list of damaged items.
7. The fema/SBA inspector will come to your place and you show them everything. At some point you might need a written estimate.
8. Fema meantime will send you some money, prob for housing plus money to fix the basics, I.e. Sheetrock.
9. When they call you to finalize papers, be ready to file the documents yourself at the courthouse. It's easy and super cheap. Then you wait. Still you cannot make repairs. They'll call and tell you when it's approved.
10. SBA will approve you and dispense money in stages depending on your damage. You'll have to show receipts (from cleanup and replacing personal property counts too) where you've spent the fema money and then the SBA first portion before they release the next one. Keep your receipts. Good luck.
An SBA loan is a good loan. Around 1.5% in many cases."
flood_insurance  insurance  natural_disaster 
september 2017 by cglinka
Stutter and Shake - zosofi - Teen Wolf (TV) [Archive of Our Own]
The likelihood of a major quake of magnitude 7.5 or greater hitting California in the next thirty years is 46 percent.
teenwolf  author:zosofi  natural_disaster  bamf!allison  sterek  hurt/comfort  hurt!stiles  trapped  enclosed_space 
december 2014 by rivereridanus
Unsung by Legion
A disaster brings out the pure sentinel in Jim, much to Blair's dismay. J/B, G
jim/blair  author:legion  sentinel  natural_disaster 
june 2013 by rivereridanus
The Complete Guide to What To Do Before, During, and After a Disaster
Do you know how to actually protect yourself during an earthquake or hurricane? What about a tornado or fire? You've probably heard lots of conflicting information over the years. We hope you won't ever need it, this start-to-finish guide to handling disasters will help you remember what you should really do during an emergency and afterwards to recover as quickly as possible. More »
Disasters  Communication  Danger  Disaster_Preparedness  Earthquakes  Emergencies  Emergency_kit  Emergency_plan  Feature  Fires  Floods  Health  Household  Hurricanes  natural_disaster  Noaa  Planning  Preparedness  Safety  Security  shutterstock  Storms  Thunderstorms  Top  tornadoes  tsunami  Weather  wellness  from google
january 2013 by gingernormal
1960 Valdivia earthquake - Wikipedia, the free encyclopedia
The 1960 Valdivia earthquake or Great Chilean Earthquake (Spanish: Terremoto de Valdivia/Gran terremoto de Chile) of Sunday, 22 May 1960 is to date the most powerful earthquake ever recorded on Earth, rating 9.5 on the moment magnitude scale. It occurred in the afternoon (19:11 GMT, 15:11 local time) and its resulting tsunami affected southern Chile, Hawaii, Japan, the Philippines, eastern New Zealand, southeast Australia, and the Aleutian Islands in Alaska.
natural_disaster  chile 
july 2012 by kunday

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