[StBernard] Road Home

[Westley Annis]

Wes,
 
  I need your help understanding all of this. While I was insured well, you
and I both know it will NEVER cover ALL of my loss. Now, I had an estimate
over $130,000 if I got contractors to do everything from gutting til I could
turn my key on the door. Now, the gutting was done by volunteers and I plan
on doing a lot of work myself and this will cut those costs drastically. My
flood gave me $100,000 and homeowner's gave me $2,000 on my building and
$40,000 on it's content. I took $112,000 and pd off the house. I've been
told that because I was "so" well covered that I wouldn't qualify for help
from FEMA. When I found this out, I pd off my mortgage to save a fortune in
interest and just figured I would do things a little at a time. Because I
lost my job and the coming hurricane season, I won't qualify for a new
mortgage or home improvement loan. I didn't make enough to qualify for money
from SBA and my "content" money is suppose to replace my content even though
I used some to pay off the house. Like I said, I've been told that FEMA
wouldn't help me because of my coverage, so where do I fall in all this mess
for grants/loans/etc. A loan wouldn't necessarily bother me, it's just
getting one with no job at this point. Until we had definite answers from
the parish/state/etc, I just couldn't see paying $750.00 in interest when
later I could possibly put that into the house. Thanks as always for your
help in sorting out all of the BS.
 
Wendy