III. THE FEMAHAZARDMITIGATIONGRANT PROGRAM: “BUY-OUTS” OFHOMES IN HIGHHAZARDAREAS ........................................................... 22


IV. INSURANCE ............................................................................................ 25 Obtaining an Insurance Pay-Out ............................................................................................... 25 Pertinent Numbers and Contact Information......................................................................... 27 Some Cautions For The Insured............................................................................................ 28


Changing Coverage After a Disaster......................................................................................... 28 Frequently Asked Questions...................................................................................................... 29


V. PERSONAL PROPERTY............................................................................. 35


VI. SMALLBUSINESSADMINISTRATIONDISASTERLOANS........................ 37 Home and Personal Property Loans .......................................................................................... 37 Interest Rates and Loan Terms .............................................................................................. 37 Applying for a Disaster Loan ................................................................................................ 37 More Information on Electronic Loan Applications ............................................................. 38


Disaster Loans Use of Proceeds ................................................................................................ 38 Mitigation Improvements ...................................................................................................... 39 Relocation.............................................................................................................................. 39


Refinancing with an SBA Loan................................................................................................. 39 How to Appeal an SBA Loan Decision..................................................................................... 39 Disaster Loan Payments ............................................................................................................ 41


VII. RECORDATION ANDREPAIR-RELATED ISSUES CONFRONTING PROPERTYOWNERS ..................................................................................... 42 Preserving Information about a Homeowner’s Property........................................................... 42 Boundary Line Issues Related to Markers............................................................................. 42 Boundary Line Issues Related to Shifting Watercourses ...................................................... 42


Permits....................................................................................................................................... 43 Special Permitting Issues for Property Owners in the Flood Plain ........................................... 44 Applicability of Flood Hazard Regulations........................................................................... 44 The Substantial Damage Calculation .................................................................................... 45


Appealing a Finding of Substantial Damage or the Applicability of Flood Hazard Regulations............................................................................................................................ 46 Flood Hazard Regulations Pertaining to Alterations to Waterways...................................... 47


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