FEMA Eligibility Examples
Determining Eligibility - Methods for presenting disaster-related costs to FEMA to obtain eligibility
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TEST #2
Caused by the Event (No pre-existing damage or negligence):
While this requirement might seem self-explanatory, this area is often subject to disagreement between applicants and FEMA. The following are examples of questions that may be asked to satisfy this requirement:
Caused by the Event (No pre-existing damage or negligence):
While this requirement might seem self-explanatory, this area is often subject to disagreement between applicants and FEMA. The following are examples of questions that may be asked to satisfy this requirement:
- In the case of debris in a stream: Was all or some of the debris generated by the event? To satisfy FEMA requirements, applicants must show through maintenance records that they normally maintain and keep the stream free of debris. In the absence of such a plan, there must be photographic evidence that the debris was a result of the event and that the debris was a hazard.
- Where a building suffered severe roof damage: Were all attempts made to mitigate damage to the interior via tarps or other coverings? It is the applicant's responsibility to make every effort to minimize losses.
The same would also be the case for a flooded building where it was necessary to pump water and dehumidify the area to minimize mold damage. This does not mean, however, that an applicant needs to undertake measures that are not cost-effective, such as dehumidifying a building that was completely engulfed by floodwaters. - Where a building has suffered structural damage: Were any of the damages pre-existing? This is one of the most difficult arguments to overcome; yet if a building was
- habitable—despite being in less than pristine condition before the event—but after the event is uninhabitable, it stands to reason that a significant portion of the damages can be attributed to the event. The extent and cost of damages should be determined by someone qualified not only to assess the damage, but to effect the repairs. Again, any evidence supporting the condition of the facility prior to the event (e.g., photographs, renovation plans, permits, etc.) is crucial in the development of your position.
- Where a truck is damaged while removing debris: Was the damage due to driver negligence? Often applicants fail to go through their normal accident reporting procedure. If you typically fill out accident reports and photograph the scene, it is important to also do so after a disaster. This is generally sufficient to prove your position to FEMA.
When applying this test, it is imperative that applicants control the inspection process and ensure that only those qualified to
