When disasters take place, the Individuals and Households Program (IHP) provides money (up to $31,900) and services to individuals in the disaster area when losses are not covered by their insurance and property has been damaged or destroyed.
You must meet specific eligibility criteria to qualify for IHP assistance. IHP is designed to assist you with critical expenses that cannot be covered in other ways.
- IHP will not cover all of your losses from damage to your property (home, personal property, household goods) that resulted from the disaster.
- IHP is not intended to restore your damaged property to its pre disaster condition. In some cases, IHP may only provide enough money, up to the program limits, for you to return an item to service.
- IHP does not cover business-related losses that resulted from the disaster.
- By law, IHP cannot provide money to you for losses that are covered by your insurance.
While some money is available through IHP, most disaster aid from the Federal government is in the form of loans from the Small Business Administration (SBA) that must be repaid. Applicants to IHP may be required to seek help from SBA first, before being considered for certain types of IHP help.
Types of Assistance
The following list shows the types of assistance available through IHP and what each provides.
- Temporary Housing (a place to live for a limited period of time): Money is available to rent a different place to live, or a government provided housing unit when rental properties are not available.
- Repair: Money is available to homeowners to repair damage from the disaster that is not covered by insurance. The goal is to make the damaged home safe, sanitary, and functional.
- Replacement: Money is available to homeowners to replace their home destroyed in the disaster that is not covered by insurance. The goal is to help the homeowner with the cost of replacing their destroyed home.
- Permanent Housing Construction: Direct assistance or money for the construction of a home. This type of help occurs only in insular areas or remote locations specified by FEMA, where no other type of housing assistance is possible.
- Other Needs: Money is available for necessary expenses and serious needs caused by the disaster. This includes medical, dental, funeral, personal property, transportation, moving and storage, and other expenses that are authorized by law.
October 4, 2012 14:47