Don’t Depend on FEMA for a Bail-Out

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According to Reuters reports, FEMA recently denied aid to Illinois for damage caused by a rash of tornados last month. Don’t count on FEMA to be part of a recovery plan. Disaster Relief Supply recommends taking personal action to protect property.

There are ways to protect property and eliminate reliance on government aid

Many residents in Illinois lost property and lives during a rash of tornadoes that hit in late February. The storms caused damage in five counties including 100 homes in Harrisburg where seven people were killed. Those who lost homes and property all assumed that the government would kick in millions of dollars in aid to assist in the recovery process. Well, it didn’t quite happen as expected.

FEMA has been featured in the news for the past few years giving aid to victims of major catastrophes since hurricane Katrina hit in 2005. Since then, the expectation is that FEMA will give aid to all who suffer loss as a result of these storms. The actual truth has been revealed recently in the denial of aid to Illinois. FEMA determined that Illinois, Ohio and Missouri, had resources to aid those affected by the storm ( Even if this is proven true, it means more red tape and longer delays in receiving aid to recover losses.

There are ways to protect property and eliminate reliance on government aid.

1. Make sure all property is properly insured. Not only insured, but with a guaranteed replacement cost. The appraised value of a home doesn’t mean that it can be replaced for that amount. This also applies to all personal property.

2. A complete inventory of personal property is extremely handy. An inventory list (including a description, date of purchase, model and serial number) of all property and possessions is important. Make a video diary of belongings that will give an insurance adjuster definite proof of ownership of each item on the list. Store this tape (or file) in a safety deposit box or with a relative.

3. Store irreplaceable items in a safe area. Store copies of the insurance policies, birth and marriage certificates, childhood memento and pictures in a personal (fire and waterproof) safe, or in a bank safety deposit box. Insurance companies cannot replace these items.

Disaster Relief Supply recommends using these tips, as well as common sense in protecting personal property. The government is there to serve, not to bail out.

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Rick Fisher