Loss Measurement

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...request made to FEMA. If the documents provide sensitive data, it is recommended that discussions commence immediately and that accommodations be made. In some instances, FEMA has asked an applicant to stamp sensitive materials with “not subject to FOIA requests”, based on their internal policies and regulations.

“As It Has To Be”

Due to code compliance issues such as ADA (Americans with Disabilities Act), floodplain management (Executive Order 11988), NFPA 101 Life Safety Code etc., an applicant must also demonstrate “what it has to be”. What is allowable varies per insurance policies and is also subject to FEMA scrutiny.

Building codes and local standards may be used to allow the funding of a repair to a damaged facility as long as specific criteria is met, as follows:

Additionally, only the portions of the facility affected by the event qualify for this additional reimbursement.

“As We Want It To Be”

An applicant may want to upgrade or completely change a facility based on current needs. FEMA has various programs that allow for these changes which will be further outlined in future articles that include:

* * * * *

Although the loss compilation may seem onerous, the better the loss is documented the better chance of a successful reimbursement, in the least amount of time. As discussed in the preceding issue of Disaster Recovery Today , any measures that can be undertaken pre-loss will greatly reduce the time associated with completing the above tasks after an event.

In the next issue of Disaster Recovery Today we will focus on how FEMA categorizes loss elements and the strategies for applicants to employ during project development.

Although loss compilation may seem onerous, the better the loss is documented the better chance of a successful reimbursement, in the least amount of time.

Jeff Shaw Adjusters International

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