I did not flood myself, but several of my family and friends in Kingwood have experienced total loss due to the recent flooding from Hurricane Harvey. Furthermore, the individuals I am trying to research for did NOT have flood insurance & I am trying to avoid them taking further loans.
The immediate "clean-up" portion (tearing out sheetrock/insulation, furniture, etc.) has already been completed. But I'm trying to think of ways to aid in their long-term recovery (rebuilding and replacement of lost items). With the SURPLUS of crowdfunding sites already on the internet (GoFundMe, YouCaring, etc.), I'm trying to research extra ways they could receive monetary aid for their long-term/rebuilding process.
Many individuals / organizations have donated to nonprofits (such as Red Cross) or relief funds (as with JJ Watts ever-growing fund). But, how do private individuals, affected by this recent flooding, apply for financial aid and tap into these resources???
Again, this is NOT for me...I'm just trying to be creative on how I can be helpful for the long-term picture for those who've lost everything due to Hurricane Harvey.
I have also been wondering how people get help and where all the money goes that was donated. The money given to Red Cross. Is it used here in Texas or do they keep it so they respond to the next disaster? I feel like JJWatts will see that the money he raised will go where it needs to go, since his name is attached. I feel so sorry for people who flooded. Even with flood insurance, it has to be overwhelming. I can't imagine having a mortgage and having to do repairs without any type of insurance. I just hope the money doesn't go into someone's back pocket.
People who live in, work in, or travel through the following counties have until Sept. 29 to apply: Colorado, Fayette, Hardin, Jasper, Jefferson, Montgomery, Newton, Orange, Sabine, San Jacinto and Waller counties.
People who live in, work in, or travel through the following 29 counties have until Sept. 27 to apply: Aransas, Bee, Brazoria, Calhoun, Chambers, Fort Bend, Galveston, Goliad, Harris , Jackson, Kleberg, Liberty, Matagorda, Nueces, Refugio, San Patricio, Victoria and Wharton counties.
Help with flood affected property taxes: Property Damage Feature Added to HCAD App
Harris County homeowners who suffered damage from Hurricane Harvey can report damage to HCAD through its upgraded app available for Apple or Android phones. You can also report damage at 713.812.5805 by providing your name, address, phone number and account number, if you have it, along with the type of property damage and amount of water you received. You can also email that information to email@example.com . Reporting property damage now will help the appraisal district identify the most damaged neighborhoods and properties to help homeowners next year when property is reappraised.
"If you did not have an FHA-insured mortgage prior to the disaster, you are still eligible to participate in the Section 203(h) program. FHA also relaxes many of its lending requirements, such as its minimum down payment.
Borrowers may receive 100 percent financing, but need to have a credit score of at least 500."