Loss Measurement

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...revenue needs to be separated from the property portions of the claim, before the insurance recovery amount is deducted from the FEMA grant covering the property damage.

Building/Other Physical Damages

When assessing damages to buildings or other items (FEMA defines these as a “facility”), an applicant needs to approach the task in three phases: As it was, as it has to be, and as we want it to be.

“As It Was”

The basis of all claims (regardless of whether or not insurance applies) is “as it was”. What was there immediately prior to the event will first be evaluated. Ideally an applicant will have a set of plans, drawings or at the very least photo-documentation that pre-dates the triggering event. In addition, maintenance records, documentation of changes that occurred after the original data was compiled and any other related data should be available for review. It is recommended that an applicant not provide their original documents but rather copies and that they be aware that documents provided could at a later date be subject to a FOIA (Freedom of Information Act)...

When assessing damages to buildings or other items (FEMA defines these as a “facility”), an applicant needs to approach the task in three phases: As it was; as it has to be; and as we want it to be.


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