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I think FEMA also can provide low-cost loans for rebuilding, but I think those are designed to help cover the home-owner's deductible.
If your deductible is actually 100% (because you don't have any insurance), I doubt they will just give you what would be essentially a 0% down mortgage.
Quoted from Electrocute:B has no insurance and will be offered more assistance. Responsible homeowner A will be dependent on their insurance.
It is funny how we seem to go out of our way to encourage the wrong behavior.
My shed blew down in a storm a couple of months ago. Part of it flew into my next-door neighbor's house and damaged his gutters.
After a brief investigation, my insurance company declared that I had NOT been negligent with anchoring the shed, and that therefore they would not pay to repair my neighbor's gutters.
If I HAD been negligent, then the insurance would have paid him. Just seems wrong to me.
Quoted from mcluvin:I think that falls under Acts of God. You didn't do anything wrong, it just happened. If a tree on my property falls on my neighbor's house, it's not my fault. They need to call their insurance. So many people do not get that.
Yeah. It just seemed strange that if I was negligent, it would be covered, but since I wasn't, it's not.
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