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				<h3>Select an Issue of <em>Adjusting Today</em></h3>
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																	<option value="https://adjustersinternational.com/publications/adjusting-today/business-interruption-coverage-times-three/" title="3048: Business Interruption Coverage Times Three: Prepare for Overlapping and Contrasting BI Provisions under Property, Equipment Breakdown and Cyber Policies">3048: Business Interruption Coverage Times Three: Prepare for Overlapping and Contrasting BI Provisions under Property, Equipment Breakdown and Cyber Policies</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/being-a-named-or-additional-insured-not-always-necessary-for-coverage/" title="3047: Being a Named or Additional Insured Not Always Necessary for Coverage">3047: Being a Named or Additional Insured Not Always Necessary for Coverage</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/understanding-improvements-and-betterments/" title="3046: Understanding Improvements and Betterments: Be Mindful of Lease and Insurance Provisions">3046: Understanding Improvements and Betterments: Be Mindful of Lease and Insurance Provisions</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/vacancy-occupancy-clauses-protective-safeguards-endorsements/" title="3045: Vacancy/Occupancy Clauses; Protective Safeguards Endorsements">3045: Vacancy/Occupancy Clauses; Protective Safeguards Endorsements</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/business-personal-property-of-others/" title="3044: Business Personal Property of Others: Insuring It Properly Involves Many Considerations">3044: Business Personal Property of Others: Insuring It Properly Involves Many Considerations</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/sue-and-labor-clauses/" title="3043: Sue and Labor Clauses: The Basis for Mitigating, Expediting and Other Policy Provisions">3043: Sue and Labor Clauses: The Basis for Mitigating, Expediting and Other Policy Provisions</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/difference-in-conditions-coverage/" title="3042: Difference in Conditions Coverage: What Is It and Who Needs It?">3042: Difference in Conditions Coverage: What Is It and Who Needs It?</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/earthquake-insurance/" title="3041: Earthquake Insurance: What's Your Exposure?">3041: Earthquake Insurance: What's Your Exposure?</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/coinsurance-insurance-to-value-revisited/" title="3040: Coinsurance/Insurance to Value Revisited: An Essential Concept in Property Insurance">3040: Coinsurance/Insurance to Value Revisited: An Essential Concept in Property Insurance</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/insurance-coverage-for-collapse/" title="3039: Insurance Coverage For Collapse: How Has It Changed and Why?">3039: Insurance Coverage For Collapse: How Has It Changed and Why?</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/increased-cost-of-construction-coverage/" title="3038: Increased Cost of Construction Coverage: Understanding the Complexities of this Important Protection">3038: Increased Cost of Construction Coverage: Understanding the Complexities of this Important Protection</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/builders-risk-insurance/" title="3037: Builder&#8217;s Risk Insurance: Specialized Coverage for Construction Projects">3037: Builder&#8217;s Risk Insurance: Specialized Coverage for Construction Projects</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/margin-clauses-making-agreed-value-options-extinct/" title="3036: Margin Clauses Making Agreed Value Options Extinct!">3036: Margin Clauses Making Agreed Value Options Extinct!</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/equipment-breakdown-insurance/" title="3035: Equipment Breakdown Insurance: Too Important to Ignore!">3035: Equipment Breakdown Insurance: Too Important to Ignore!</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/soft-cost-or-delay-in-opening/" title="3034: Soft Cost or Delay in Opening: Insure for the Potential Exposure">3034: Soft Cost or Delay in Opening: Insure for the Potential Exposure</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/flood-understanding-and-recovering/" title="3033: Flood: Understanding and Recovering from One of Nature's Worst Disasters">3033: Flood: Understanding and Recovering from One of Nature's Worst Disasters</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/overhead-and-profit-property-insurance-claim/" title="3032: Overhead and Profit: Its Place in a Property Insurance Claim">3032: Overhead and Profit: Its Place in a Property Insurance Claim</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/the-effect-of-the-sale-of-a-commercial-property-on-a-pending-insurance-claim/" title="3031: The Effect of the Sale of a Commercial Property on a Pending Insurance Claim">3031: The Effect of the Sale of a Commercial Property on a Pending Insurance Claim</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/pair-set-match-replacement-of-undamaged-hotel-furnishings/" title="3030: Pair, Set and Match: Replacement of Undamaged Hotel Furnishings Ensuring a Uniform Look">3030: Pair, Set and Match: Replacement of Undamaged Hotel Furnishings Ensuring a Uniform Look</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/measuring-the-business-interruption-period/" title="3029: The Length of the Road Back from Disaster: Four Rules for Measuring the Business Interruption Period">3029: The Length of the Road Back from Disaster: Four Rules for Measuring the Business Interruption Period</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/make-the-most-of-an-underinsured-loss/" title="3028: How to Make the Most of an Underinsured Loss">3028: How to Make the Most of an Underinsured Loss</option>
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									<h1 style="font-family: 'Open Sans', Helvetica, Arial, sans-serif;">Flood: Understanding and Recovering from One of Nature's Worst Disasters</h1>
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						<p><span style="font-size: 40px;"><b>FEMA Public Assistance Program</b></span><br /><span style="font-size: 28px;">Overview of the Key Steps and the Potential Pitfalls in the Grant Process</span><br /><em>By Jeff Shaw</em></p>
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						<p>A discussion of flood insurance would not be complete without commentary regarding the Federal Emergency Management Agency (FEMA) Public Assistance Program. Once a major disaster declaration is made by the president, this voluntary program provides supplemental reimbursement for the repair or replacement of infrastructure and facilities to pre-disaster condition. In addition, additional funding is obtainable for codes and standards, and mitigating future hazards. Typically, FEMA funds 75 percent of eligible costs while the remaining 25 percent is borne by the state and applicant (cost share). However, in special circumstances, the FEMA share can be as much as 100 percent (with the exception of the Hazard Mitigation Grant Program, which is statutorily capped at 75 percent). Since this is a federal grant program, applicants seeking federal reimbursement must adhere to stringent program guidelines and meet all eligibility requirements.</p>
<p>Eligible applicants include state agencies, municipalities, Native American tribal organizations and certain private nonprofit organizations.</p>
<p>In order for a disaster-related expenditure to be considered as part of an eligible public assistance application, it must meet the following minimum criteria:</p>
<ul>
<li>The damage must be a direct result of an incident for which there is a major disaster declaration made by the president.</li>
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						<p><strong id="KSITP">Key Steps in the Process</strong><br />The FEMA disaster recovery process follows a standard course of events. The key steps are as follows:</p>
<ul style="margin-top: -18px;">
<li>A catastrophic event triggers the process.</li>
<li>The governor declares a disaster area.</li>
<li>There is a preliminary state/ federal assessment of the damage, and reports are generated.</li>
<li>The president declares the catastrophe a disaster area, making federal funds available.</li>
<li>Within the damaged area, applicants are briefed by state/ FEMA representatives.</li>
<li>Applicants file a Request for Public Assistance (RPA), which is the first of many applicant responsibilities.</li>
<li>The applicant has a kickoff meeting with the Public Assistance Coordinator (PAC).</li>
<li>FEMA prepares Project Work sheets (PW) for large projects.</li>
<li>The applicant prepares PWs for small projects (FEMA will assist with this process, or will write all PWs as requested by an applicant).</li>
<li>FEMA reviews the PWs.</li>
<li>Approved PWs are obligated and funds are made accessible by the state.</li>
<li>Payment of the federal share is made.</li>
<li>Payment of the state share (if applicable) is made.</li>
<li>A final inspection is completed.</li>
<li>Project is closed out.</li>
<li>Disaster is closed out.</li>
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