Thanks Lore!
Thursday, July 31, 2008
Wednesday, July 30, 2008
FEMA Disaster Recovery Center to Close
Contact: Carol Sweeting Contact Phone: (319) 541-2385
FEMA Disaster Recovery Center to Close
Posted by: Public Works
Originally Posted 7/30/2008 4:11:15 PM
The Disaster Recovery Center located at Kirkwood Elementary School, 1401 Ninth Street, Coralville, will permanently close on Saturday, August 2 at 5:00 p.m.
Hours until closing will be 8:00 a.m. - 7:00 p.m. Thursday and Friday, and 8:00 a.m. - 5:00 p.m. on Saturday.
If you suffered flood damage, you can still register for assistance at this office through Saturday, or register online at http://www.fema.gov/ any time or call toll free at 1-800-621-3362 (TTY 1-800-462-7585). Phone lines are open 24 hours daily until further notice.
FEMA Disaster Recovery Center to Close
Posted by: Public Works
Originally Posted 7/30/2008 4:11:15 PM
The Disaster Recovery Center located at Kirkwood Elementary School, 1401 Ninth Street, Coralville, will permanently close on Saturday, August 2 at 5:00 p.m.
Hours until closing will be 8:00 a.m. - 7:00 p.m. Thursday and Friday, and 8:00 a.m. - 5:00 p.m. on Saturday.
If you suffered flood damage, you can still register for assistance at this office through Saturday, or register online at http://www.fema.gov/ any time or call toll free at 1-800-621-3362 (TTY 1-800-462-7585). Phone lines are open 24 hours daily until further notice.
Water Services – Parkview Terrace
From Maurine Braddock.
Date: July 30, 2008
To: Whom It May Concern
From: Ed Moreno
Re: Water Services – Parkview Terrace
The Iowa City Council resolution that waived all City-owned utility charges for consumption in the months of June and July, 2008 for properties that suffered interior flood damage will be rescinded on July 31st. If you do not intend to occupy your property by that date, it will be necessary to contact the Iowa City Water Division, to place your account in ‘Removed’ status. This will preclude you from receiving billing for water and wastewater usage. Water and wastewater usage will be estimated beginning August 1st until a new water meter is installed
We have some concerns about dates of re-occupancy. If a dwelling will not be occupied prior to cold weather, the service line will need to be shut off at the stop box to avoid frozen pipes and meter damage.
Due to the flooding in your area the water meters and their radio reading devices will need to be replaced. In addition, the stop boxes may have been damaged during sandbagging and debris removal. A drawing of the water service lines is included with this memo for reference.
The Iowa City Water Division is proposing the following plan to rehabilitate the water services in your area:
The stop boxes for each dwelling will be investigated by a contractor to determine whether they are functional or need repair.
Those found to be in need of repair will be repaired by a contractor.
Upon completion of step 2 the water meter and radio read device will be replaced. This will need to be scheduled.
The cost for stop box repair and meter system replacement will be borne by the Water Division and FEMA.
It is important that we receive communication from the homeowners in Parkview Terrace to schedule the activities outline above.
Please review this information and if you have any comments or questions feel free to contact Jude Moss, Water Division Customer Service Coordinator at 356-5163 or at jude-moss@iowa-city.org.
Link to Stop Box Diagram
Date: July 30, 2008
To: Whom It May Concern
From: Ed Moreno
Re: Water Services – Parkview Terrace
The Iowa City Council resolution that waived all City-owned utility charges for consumption in the months of June and July, 2008 for properties that suffered interior flood damage will be rescinded on July 31st. If you do not intend to occupy your property by that date, it will be necessary to contact the Iowa City Water Division, to place your account in ‘Removed’ status. This will preclude you from receiving billing for water and wastewater usage. Water and wastewater usage will be estimated beginning August 1st until a new water meter is installed
We have some concerns about dates of re-occupancy. If a dwelling will not be occupied prior to cold weather, the service line will need to be shut off at the stop box to avoid frozen pipes and meter damage.
Due to the flooding in your area the water meters and their radio reading devices will need to be replaced. In addition, the stop boxes may have been damaged during sandbagging and debris removal. A drawing of the water service lines is included with this memo for reference.
The Iowa City Water Division is proposing the following plan to rehabilitate the water services in your area:
The stop boxes for each dwelling will be investigated by a contractor to determine whether they are functional or need repair.
Those found to be in need of repair will be repaired by a contractor.
Upon completion of step 2 the water meter and radio read device will be replaced. This will need to be scheduled.
The cost for stop box repair and meter system replacement will be borne by the Water Division and FEMA.
It is important that we receive communication from the homeowners in Parkview Terrace to schedule the activities outline above.
Please review this information and if you have any comments or questions feel free to contact Jude Moss, Water Division Customer Service Coordinator at 356-5163 or at jude-moss@iowa-city.org.
Link to Stop Box Diagram
HEALTH ISSUES SURROUNDING CLEANUP AND REMEDIATION OF
Forwarded from Marcia Klingaman
PUBLIC HEALTH
Douglas Beardsley, MPH, CPHA
Director
Promoting Health. Preventing Harm.
HEALTH ISSUES SURROUNDING CLEANUP AND REMEDIATION OF
FLOOD DAMAGED BUILDINGS
July 30, 2008
Most Important Health Issues
The issues that the Johnson County Public Health Department (JCPH) and the Iowa
Department of Public Health (IDPH) have tried to stress the most are:
• Physical safety of re-entering homes such as electrical and gas hazards,
• Awareness of potential carbon monoxide poisoning from the improper use of gaspowered
generators (indoor use), and
• General personal protective equipment to use during cleanup activities.
The IDPH has worked closely with the JCPH assisting with development of the
appropriate information and informational material to provide the public. Fact sheets
have been assembled and are available at both the JCPH and IDPH websites:
http://www.johnson-county.com/publichealth/index.shtml.
http://www.idph.state.ia.us/adper/flood.asp
Mold Health Issues
Flood damaged buildings can develop significant amounts of mold. Significant levels of
molds can cause health impacts. The following individuals can be seriously impacted by
high levels of mold:
• Individuals who have mold allergies
• Individuals whose immune system has been severely immuno-compromised, and
• Individuals with some chronic pulmonary disorders
For people sensitive to mold, exposure to molds can cause symptoms such as nasal
stuffiness, eye irritation, wheezing, or skin irritation. Some people, such as those with
serious allergies to molds, may have more severe reactions such as fever and shortness of
breath. Some people with chronic lung illnesses, such as obstructive lung disease, may
develop mold infections in their lungs.
Mold Remediation and Cleanup
The assessment of mold issues and correction of problems with mold in areas impacted
by a flood involves:
• Removing and disposing of materials that have become saturated by floodwaters
and cannot be cleaned, and
• Cleaning and disinfecting of non-porous surfaces with a bleach/water mixture. It
is recommended to use no more that one cup of bleach to one gallon of water.
• Bleach should never be mixed with other cleaners, such as ammonia, since toxic
gases (chlorine) will be generated.
Air sampling
Sampling for mold is not part of a routine building assessment. In most cases, appropriate
decisions about remediation and the need for Personal Protective Equipment (PPE) can
be made solely on the basis of visual inspection. If visible mold is present, then it should
be remediated regardless of what types of microorganisms are present, what species of
mold is present, and whether samples are taken.
Material Needing Disposal
The types of materials that were covered with flood waters that would need to be
disposed of are: carpeting; furniture; clothing; linens; all food and food containers;
appliances that cannot be cleaned; all saturated drywall, paneling, and cabinetry.
Surfaces that Can be Cleaned
Non-porous surfaces such as concrete; tile or linoleum; countertops; toilets, bathtubs, and
showers can be cleaned and disinfected by a bleach/water mixture.
Use Good Ventilation and Adequate Drying
Prior to starting remediation and reconstruction, good ventilation and air circulation
should be employed. It is important to ensure that moisture levels in the home are
acceptable and wood studs have adequately dried prior to dry-walling and finish
carpentry work is done. Moisture meters provide qualitative moisture levels in building
materials and might be helpful for measuring the moisture content in a variety of building materials (e.g., carpet, wallboard, wood, brick, and concrete). Meters also can be used to monitor progress in drying wet materials. Moisture meters are available from contractor tool and supply outlets. Individuals and/or contractors who are following these guidelines are doing all that can be done in flood cleanup and protection of the public health. There is no State of Iowa training or certification of mold remediation contractors. The JCPH recommends that contractors follow guidance from the IDPH and other federal health and environmental agencies.
Controlling Adverse Health Effect during Cleaning and Remediation
Several strategies for mitigating health effects from exposure to large amounts of mold
during cleanup and remediation include:
• Avoidance (for individuals with conditions listed above)
• Environmental control (good ventilation, dust-suppression and wet moping,
sealing off mold remediation areas from other occupied areas)
• Use of personal protective equipment (gloves, rubber boots, pants and long
sleeves)
• Use of an N-95 respirator (some individuals should not use a respirator and
should not be involved in cleaning up mold - check with health care provider)
• Practicing good hygiene (bathing after cleanup, washing work clothes separately
using bleach)
No conclusive evidence exists of a link between indoor exposure to airborne mycotoxin
and human illness. Although the potential for health problems is an important reason to
prevent or minimize indoor mold growth and to remediate any indoor mold
contamination, evidence is inadequate to support recommendations for greater urgency of
remediation in cases where mycotoxin-producing fungi have been isolated.
What about the IDPH or JCPH Completing a Health Assessment?
Completing an assessment of acceptable mold remediation is very difficult since there is
no accepted standard for evaluating the presence of mold in the indoor environment such
as mold counts within the air or mold counts within dust on surfaces. Measuring the
mold within indoor air or on surfaces does not result in any differing strategies of
remediation. If mold can be identified by visual inspection then some type of
remediation needs to be completed. The fundamental guidance of removing saturated
items, abating and controlling the moisture within a home or building, and cleaning and
sanitizing non-porous surfaces remains the same regardless of the amount of mold or
species of mold present. In our opinion, a health assessment would not provide
additional data or information that would modify our guidance for safe remediation and
cleanup of mold.
The following are links to IDPH fact sheets and the information on the CDC and EPA
web sites:
http://www.idph.state.ia.us/adper/flood.asp
http://www.cdc.gov/mold/
http://www.epa.gov/mold/moldresources.html
Other references:
Mold Prevention Strategies and Possible Health Effects in the Aftermath of Hurricanes
and Major Floods: MMWR June 9, 2006 / 55(RR08);1-27
For questions on the contents of this article please contact:
Doug Beardsley, MPH, CPHA
Director, JCPH
319-356-6040
dbeardsley@co.johnson.ia.us
1105 GILBERT COURT ¨ IOWA CITY, IOWA 52240 ¨ PHONE: (319) 356-6040 ¨ FAX: (319) 356-6044
Marcia-Klingaman@iowa-city.org
PUBLIC HEALTH
Douglas Beardsley, MPH, CPHA
Director
Promoting Health. Preventing Harm.
HEALTH ISSUES SURROUNDING CLEANUP AND REMEDIATION OF
FLOOD DAMAGED BUILDINGS
July 30, 2008
Most Important Health Issues
The issues that the Johnson County Public Health Department (JCPH) and the Iowa
Department of Public Health (IDPH) have tried to stress the most are:
• Physical safety of re-entering homes such as electrical and gas hazards,
• Awareness of potential carbon monoxide poisoning from the improper use of gaspowered
generators (indoor use), and
• General personal protective equipment to use during cleanup activities.
The IDPH has worked closely with the JCPH assisting with development of the
appropriate information and informational material to provide the public. Fact sheets
have been assembled and are available at both the JCPH and IDPH websites:
http://www.johnson-county.com/publichealth/index.shtml.
http://www.idph.state.ia.us/adper/flood.asp
Mold Health Issues
Flood damaged buildings can develop significant amounts of mold. Significant levels of
molds can cause health impacts. The following individuals can be seriously impacted by
high levels of mold:
• Individuals who have mold allergies
• Individuals whose immune system has been severely immuno-compromised, and
• Individuals with some chronic pulmonary disorders
For people sensitive to mold, exposure to molds can cause symptoms such as nasal
stuffiness, eye irritation, wheezing, or skin irritation. Some people, such as those with
serious allergies to molds, may have more severe reactions such as fever and shortness of
breath. Some people with chronic lung illnesses, such as obstructive lung disease, may
develop mold infections in their lungs.
Mold Remediation and Cleanup
The assessment of mold issues and correction of problems with mold in areas impacted
by a flood involves:
• Removing and disposing of materials that have become saturated by floodwaters
and cannot be cleaned, and
• Cleaning and disinfecting of non-porous surfaces with a bleach/water mixture. It
is recommended to use no more that one cup of bleach to one gallon of water.
• Bleach should never be mixed with other cleaners, such as ammonia, since toxic
gases (chlorine) will be generated.
Air sampling
Sampling for mold is not part of a routine building assessment. In most cases, appropriate
decisions about remediation and the need for Personal Protective Equipment (PPE) can
be made solely on the basis of visual inspection. If visible mold is present, then it should
be remediated regardless of what types of microorganisms are present, what species of
mold is present, and whether samples are taken.
Material Needing Disposal
The types of materials that were covered with flood waters that would need to be
disposed of are: carpeting; furniture; clothing; linens; all food and food containers;
appliances that cannot be cleaned; all saturated drywall, paneling, and cabinetry.
Surfaces that Can be Cleaned
Non-porous surfaces such as concrete; tile or linoleum; countertops; toilets, bathtubs, and
showers can be cleaned and disinfected by a bleach/water mixture.
Use Good Ventilation and Adequate Drying
Prior to starting remediation and reconstruction, good ventilation and air circulation
should be employed. It is important to ensure that moisture levels in the home are
acceptable and wood studs have adequately dried prior to dry-walling and finish
carpentry work is done. Moisture meters provide qualitative moisture levels in building
materials and might be helpful for measuring the moisture content in a variety of building materials (e.g., carpet, wallboard, wood, brick, and concrete). Meters also can be used to monitor progress in drying wet materials. Moisture meters are available from contractor tool and supply outlets. Individuals and/or contractors who are following these guidelines are doing all that can be done in flood cleanup and protection of the public health. There is no State of Iowa training or certification of mold remediation contractors. The JCPH recommends that contractors follow guidance from the IDPH and other federal health and environmental agencies.
Controlling Adverse Health Effect during Cleaning and Remediation
Several strategies for mitigating health effects from exposure to large amounts of mold
during cleanup and remediation include:
• Avoidance (for individuals with conditions listed above)
• Environmental control (good ventilation, dust-suppression and wet moping,
sealing off mold remediation areas from other occupied areas)
• Use of personal protective equipment (gloves, rubber boots, pants and long
sleeves)
• Use of an N-95 respirator (some individuals should not use a respirator and
should not be involved in cleaning up mold - check with health care provider)
• Practicing good hygiene (bathing after cleanup, washing work clothes separately
using bleach)
No conclusive evidence exists of a link between indoor exposure to airborne mycotoxin
and human illness. Although the potential for health problems is an important reason to
prevent or minimize indoor mold growth and to remediate any indoor mold
contamination, evidence is inadequate to support recommendations for greater urgency of
remediation in cases where mycotoxin-producing fungi have been isolated.
What about the IDPH or JCPH Completing a Health Assessment?
Completing an assessment of acceptable mold remediation is very difficult since there is
no accepted standard for evaluating the presence of mold in the indoor environment such
as mold counts within the air or mold counts within dust on surfaces. Measuring the
mold within indoor air or on surfaces does not result in any differing strategies of
remediation. If mold can be identified by visual inspection then some type of
remediation needs to be completed. The fundamental guidance of removing saturated
items, abating and controlling the moisture within a home or building, and cleaning and
sanitizing non-porous surfaces remains the same regardless of the amount of mold or
species of mold present. In our opinion, a health assessment would not provide
additional data or information that would modify our guidance for safe remediation and
cleanup of mold.
The following are links to IDPH fact sheets and the information on the CDC and EPA
web sites:
http://www.idph.state.ia.us/adper/flood.asp
http://www.cdc.gov/mold/
http://www.epa.gov/mold/moldresources.html
Other references:
Mold Prevention Strategies and Possible Health Effects in the Aftermath of Hurricanes
and Major Floods: MMWR June 9, 2006 / 55(RR08);1-27
For questions on the contents of this article please contact:
Doug Beardsley, MPH, CPHA
Director, JCPH
319-356-6040
dbeardsley@co.johnson.ia.us
1105 GILBERT COURT ¨ IOWA CITY, IOWA 52240 ¨ PHONE: (319) 356-6040 ¨ FAX: (319) 356-6044
Marcia-Klingaman@iowa-city.org
Permit, Inspection and Re-Occupancy Requirements for Flood Damaged Properties
From Carol Sweeting
July 30, 2008
Permit, Inspection and Re-Occupancy Requirements for Flood Damaged Properties
BUILDING
Building permit is required in a flooded structure when one of the following applies:
Fire separation issues (house to garage and dwelling unit separation)
Additions or alterations to the existing structure.
Window replacements that would require an egress window be installed in a bedroom and any alterations to a window or door opening.
Structural repairs. (e.g. bearing and/or exterior walls, support columns and/or beams…..)
Building Inspection Required
Cover-up inspection:
Visual inspection to determine saturated wood is not being enclosed.
(“Wood moisture inspection is visual only and does not verify or certify wood moisture content is 19% or less. It is the owner/contractors responsibility to determine or verify the moisture content.”)
Framing inspection to verify structure compliance.
Final Inspection to verify overall compliance.
Building Permit fees are waived for structures that took in water however we still need to get the dollar amount of damage done to the structure. This is for our census report, flood plain development issues, and to track the dollar amount of damage caused by the flood.
ELECTRICAL, PLUMBING AND MECHANICAL:
Electrical, Plumbing, and Mechanical Permits are required for any work performed.
Electrical, Plumbing and Mechanical Inspections Required:
1. Gas pressure test
2. Gas and Electric service release to Mid American Energy.
3. Inspect all electrical, plumbing and mechanical prior to cover-up.
4. Final Inspection for overall compliance.
Permit fees are waived for structures that took in water however we still need to get the dollar amount of damage done to the structure. This is for our census report, flood plain development issues, and to track the dollar amount of damage caused by the flood.
FLOOD PLAIN:
Flood Plain Development Permit is required for any work done on any structure located within the 100 year flood plain.
Call 356-5132 to inquire if your home is in the flood plain and additional flood plain information.
RE-OCCUPANCY:
Call 356-5120 concerning whether or not an inspection is needed prior to re-occupancy.
CALL 356-5120 WITH QUESTIONS OR TO SCHEDULE AN INSPECTION.
Carol Sweeting
Flood Recovery
Iowa City Public Works
Public Information, Education, Volunteer Coordinator
410 E Washington St.
Iowa City, IA 52240
Ph. 319-356-5164
Cell 319-541-2385
Fax. 319-356-5007
Carol-Sweeting@iowa-city.org
July 30, 2008
Permit, Inspection and Re-Occupancy Requirements for Flood Damaged Properties
BUILDING
Building permit is required in a flooded structure when one of the following applies:
Fire separation issues (house to garage and dwelling unit separation)
Additions or alterations to the existing structure.
Window replacements that would require an egress window be installed in a bedroom and any alterations to a window or door opening.
Structural repairs. (e.g. bearing and/or exterior walls, support columns and/or beams…..)
Building Inspection Required
Cover-up inspection:
Visual inspection to determine saturated wood is not being enclosed.
(“Wood moisture inspection is visual only and does not verify or certify wood moisture content is 19% or less. It is the owner/contractors responsibility to determine or verify the moisture content.”)
Framing inspection to verify structure compliance.
Final Inspection to verify overall compliance.
Building Permit fees are waived for structures that took in water however we still need to get the dollar amount of damage done to the structure. This is for our census report, flood plain development issues, and to track the dollar amount of damage caused by the flood.
ELECTRICAL, PLUMBING AND MECHANICAL:
Electrical, Plumbing, and Mechanical Permits are required for any work performed.
Electrical, Plumbing and Mechanical Inspections Required:
1. Gas pressure test
2. Gas and Electric service release to Mid American Energy.
3. Inspect all electrical, plumbing and mechanical prior to cover-up.
4. Final Inspection for overall compliance.
Permit fees are waived for structures that took in water however we still need to get the dollar amount of damage done to the structure. This is for our census report, flood plain development issues, and to track the dollar amount of damage caused by the flood.
FLOOD PLAIN:
Flood Plain Development Permit is required for any work done on any structure located within the 100 year flood plain.
Call 356-5132 to inquire if your home is in the flood plain and additional flood plain information.
RE-OCCUPANCY:
Call 356-5120 concerning whether or not an inspection is needed prior to re-occupancy.
CALL 356-5120 WITH QUESTIONS OR TO SCHEDULE AN INSPECTION.
Carol Sweeting
Flood Recovery
Iowa City Public Works
Public Information, Education, Volunteer Coordinator
410 E Washington St.
Iowa City, IA 52240
Ph. 319-356-5164
Cell 319-541-2385
Fax. 319-356-5007
Carol-Sweeting@iowa-city.org
Process to Restore Gas and Electrical Service to Flood Damaged Structures
From Carol Sweeting
July 30, 2008
Process to Restore Gas and Electrical Service to Flood Damaged Structures
ELECTRICAL SERVICE
Hire a Licensed Electrician to:
1. Assess and isolate all electrical work contaminated by the flood. (e.g. In the case of a water contaminated outlet, only the contaminated portion of wire serving the outlet and the outlet need to be replaced.)
• If the Licensed Electrician is unable to identify all the contaminated or damaged electrical work then all circuits shall be disconnected and removed from the electrical panel and "Temporary GFCI Protected" receptacles may be installed for cleaning purposes.
• Electrical work that is contaminated by the flood water will need to be disconnected from the breakers and removed from the panel or clipped at the panel such that they can not be reconnected except by a licensed electrician.
• If the dwellings permanent service equipment (i.e. Meter Sockets, Main Distribution panel etc.) has been contaminated, all contaminated Service Equipment and portions of that equipment will need to be replaced.
o A Temporary Pole can be use provided it is installed as follows:
Installed by a Licensed Electrician.
Installed within 5' of the existing electric meter and in line with the utility service lines.
All outlets installed on the temporary pole will need to be provided with GFCI protection.
2. Call the City of Iowa City Building Inspection Division at 356-5120 for an inspection.
The City inspector will notify Mid American Energy that the electrical service can be restored to the structure.
_____________________________________________________________________________
GAS SERVICE
Hire a Licensed Plumbing or Mechanical Contractor to:
1. Perform a Gas Pressure Test
a. Disconnect appliances and cap connections
b. Pressurize to a minimum of 10 lbs for 15 minutes
c. Call for an inspection by the Iowa City Building Inspection Dept – 356-5120
2. Connect appliance/appliances that were not subject to flood
3. Call the City of Iowa City Building Inspection Division at 356-5120 for an inspection.
The City inspector will notify Mid American Energy that the gas service can be restored to the structure. Mid American Energy will install the gas meter and connect to the existing piping system if two feet or less of piping is required. If more than two feet is needed a licensed plumber or mechanical contractor will need to install the additional pipe. Mid American Energy will perform a flow test and if the flow test passes they will leave the gas service turned on.
IN ALL CASES THE LICENSED CONTRACTOR WILL NEED TO OBTAIN THE APPROPRIATE PERMIT. THE IOWA CITY, CITY COUNCIL HAS WAIVED ALL PERMIT FEES FOR FLOOD DAMAGED STRUCTURES UNTIL JULY 1, 2009, BUT PERMITS WILL STILL NEED TO BE OBTAINED.
Carol Sweeting
Flood Recovery
Iowa City Public Works
Public Information, Education, Volunteer Coordinator
410 E Washington St.
Iowa City, IA 52240
Ph. 319-356-5164
Cell 319-541-2385
Fax. 319-356-5007
Carol-Sweeting@iowa-city.org
July 30, 2008
Process to Restore Gas and Electrical Service to Flood Damaged Structures
ELECTRICAL SERVICE
Hire a Licensed Electrician to:
1. Assess and isolate all electrical work contaminated by the flood. (e.g. In the case of a water contaminated outlet, only the contaminated portion of wire serving the outlet and the outlet need to be replaced.)
• If the Licensed Electrician is unable to identify all the contaminated or damaged electrical work then all circuits shall be disconnected and removed from the electrical panel and "Temporary GFCI Protected" receptacles may be installed for cleaning purposes.
• Electrical work that is contaminated by the flood water will need to be disconnected from the breakers and removed from the panel or clipped at the panel such that they can not be reconnected except by a licensed electrician.
• If the dwellings permanent service equipment (i.e. Meter Sockets, Main Distribution panel etc.) has been contaminated, all contaminated Service Equipment and portions of that equipment will need to be replaced.
o A Temporary Pole can be use provided it is installed as follows:
Installed by a Licensed Electrician.
Installed within 5' of the existing electric meter and in line with the utility service lines.
All outlets installed on the temporary pole will need to be provided with GFCI protection.
2. Call the City of Iowa City Building Inspection Division at 356-5120 for an inspection.
The City inspector will notify Mid American Energy that the electrical service can be restored to the structure.
_____________________________________________________________________________
GAS SERVICE
Hire a Licensed Plumbing or Mechanical Contractor to:
1. Perform a Gas Pressure Test
a. Disconnect appliances and cap connections
b. Pressurize to a minimum of 10 lbs for 15 minutes
c. Call for an inspection by the Iowa City Building Inspection Dept – 356-5120
2. Connect appliance/appliances that were not subject to flood
3. Call the City of Iowa City Building Inspection Division at 356-5120 for an inspection.
The City inspector will notify Mid American Energy that the gas service can be restored to the structure. Mid American Energy will install the gas meter and connect to the existing piping system if two feet or less of piping is required. If more than two feet is needed a licensed plumber or mechanical contractor will need to install the additional pipe. Mid American Energy will perform a flow test and if the flow test passes they will leave the gas service turned on.
IN ALL CASES THE LICENSED CONTRACTOR WILL NEED TO OBTAIN THE APPROPRIATE PERMIT. THE IOWA CITY, CITY COUNCIL HAS WAIVED ALL PERMIT FEES FOR FLOOD DAMAGED STRUCTURES UNTIL JULY 1, 2009, BUT PERMITS WILL STILL NEED TO BE OBTAINED.
Carol Sweeting
Flood Recovery
Iowa City Public Works
Public Information, Education, Volunteer Coordinator
410 E Washington St.
Iowa City, IA 52240
Ph. 319-356-5164
Cell 319-541-2385
Fax. 319-356-5007
Carol-Sweeting@iowa-city.org
Typical Plan Review Notes for Flood Damaged Residential Structures
From Carol Sweeting
July 30, 2008
Typical Plan Review Notes for Flood Damaged Residential Structures
(Revised 7/15/08)
1. Flood damage to structures within the 100 year flood plain will need to provide an estimate of repairs. A Flood Plain Development permit is needed prior to issuance of a building permit. Repairs exceeding 50% of market value will need the entire structure flood proofed and additional plans and information provided. Additional information may be obtained on the FEMA website at www.FEMA.gov. (All existing structures in the Idyllwild Subdivision are elevated above the 100 year flood plain and are exempt from this requirement.)
2. Wood, including framing, wall sheathing, floor sheathing, and roof sheathing if exposed to moisture needs to be exposed and remain exposed until moisture levels are below 19%. An inspection is required prior to covering any wood. Wood moisture inspection is visual only and does not verify or certify wood moisture content is 19% or less. It is the owner/contractors responsibility to determine or verify the moisture content.
3. Structural damage will need to be repaired. Assessment and design of repairs by a licensed structural engineer will be needed in some cases. Immersion of roof trusses, manufactured I joists, or similar engineered products will require review by a licensed structural engineer or replacement. Any deteriorated fasteners need to be replaced. Damaged materials will need to be replaced.
4. Drywall which has gotten wet, including wicked water, will need to be removed and replaced.
5. Insulation which has been wet will need to be removed and replaced. Ceiling insulation which has gotten wet due to condensation or direct water contact will need to be removed and replaced. Insulation levels need to be as a minimum those provided previous to the flood or to levels as per an approved energy audit.
6. Electrical devices which have gotten wet will need to be removed and replaced by a licensed electrical contractor. This includes, but is not limited to: outlets, switches, lights, wiring, control devices, motors, panels, breakers, fuses, appliance motors, and controls. Only contaminated portions of wiring need to be replaced.
7. Mechanical equipment will need to be serviced by a licensed mechanical contractor. Most mechanical equipment which has gotten wet will need to be replaced. All control devices will need to be replaced. An inspection will be needed prior to release of gas service. Contaminated duct systems will need to be cleaned. Mechanical equipment includes, but is not limited to: furnaces, boilers, ranges, air conditioners, and fireplaces.
8. Plumbing which has been physically damaged will need to be repaired by a licensed plumbing contractor. Water heaters will need to be serviced by a licensed plumber and will likely need to be replaced. Controls will need to be replaced.
9. Windows replaced in bedrooms need to provide at least one conforming emergency escape and rescue opening.
10. Smoke detectors are needed in all bedrooms, hallways leading to bedrooms, as well as on each floor level.
11. Call 356-5120 for final inspection prior to re-inhabiting the structure.
12. Licensed trade contractor’s names are needed.
13. A floor plan is needed for any wall relocations.
14. This list is not intended to be a complete list of all repairs that may be needed. Failure to identify a code deficiency does not alleviate any obligation to comply with all applicable code provisions.
Carol Sweeting
Flood Recovery
Iowa City Public Works
Public Information, Education, Volunteer Coordinator
410 E Washington St.
Iowa City, IA 52240
Ph. 319-356-5164
Cell 319-541-2385
Fax. 319-356-5007
Carol-Sweeting@iowa-city.org
July 30, 2008
Typical Plan Review Notes for Flood Damaged Residential Structures
(Revised 7/15/08)
1. Flood damage to structures within the 100 year flood plain will need to provide an estimate of repairs. A Flood Plain Development permit is needed prior to issuance of a building permit. Repairs exceeding 50% of market value will need the entire structure flood proofed and additional plans and information provided. Additional information may be obtained on the FEMA website at www.FEMA.gov. (All existing structures in the Idyllwild Subdivision are elevated above the 100 year flood plain and are exempt from this requirement.)
2. Wood, including framing, wall sheathing, floor sheathing, and roof sheathing if exposed to moisture needs to be exposed and remain exposed until moisture levels are below 19%. An inspection is required prior to covering any wood. Wood moisture inspection is visual only and does not verify or certify wood moisture content is 19% or less. It is the owner/contractors responsibility to determine or verify the moisture content.
3. Structural damage will need to be repaired. Assessment and design of repairs by a licensed structural engineer will be needed in some cases. Immersion of roof trusses, manufactured I joists, or similar engineered products will require review by a licensed structural engineer or replacement. Any deteriorated fasteners need to be replaced. Damaged materials will need to be replaced.
4. Drywall which has gotten wet, including wicked water, will need to be removed and replaced.
5. Insulation which has been wet will need to be removed and replaced. Ceiling insulation which has gotten wet due to condensation or direct water contact will need to be removed and replaced. Insulation levels need to be as a minimum those provided previous to the flood or to levels as per an approved energy audit.
6. Electrical devices which have gotten wet will need to be removed and replaced by a licensed electrical contractor. This includes, but is not limited to: outlets, switches, lights, wiring, control devices, motors, panels, breakers, fuses, appliance motors, and controls. Only contaminated portions of wiring need to be replaced.
7. Mechanical equipment will need to be serviced by a licensed mechanical contractor. Most mechanical equipment which has gotten wet will need to be replaced. All control devices will need to be replaced. An inspection will be needed prior to release of gas service. Contaminated duct systems will need to be cleaned. Mechanical equipment includes, but is not limited to: furnaces, boilers, ranges, air conditioners, and fireplaces.
8. Plumbing which has been physically damaged will need to be repaired by a licensed plumbing contractor. Water heaters will need to be serviced by a licensed plumber and will likely need to be replaced. Controls will need to be replaced.
9. Windows replaced in bedrooms need to provide at least one conforming emergency escape and rescue opening.
10. Smoke detectors are needed in all bedrooms, hallways leading to bedrooms, as well as on each floor level.
11. Call 356-5120 for final inspection prior to re-inhabiting the structure.
12. Licensed trade contractor’s names are needed.
13. A floor plan is needed for any wall relocations.
14. This list is not intended to be a complete list of all repairs that may be needed. Failure to identify a code deficiency does not alleviate any obligation to comply with all applicable code provisions.
Carol Sweeting
Flood Recovery
Iowa City Public Works
Public Information, Education, Volunteer Coordinator
410 E Washington St.
Iowa City, IA 52240
Ph. 319-356-5164
Cell 319-541-2385
Fax. 319-356-5007
Carol-Sweeting@iowa-city.org
Townhall Rebroadcast Schedule
From:
Barbara Coffey,
Document Services Supervisor
City of Iowa City
410 E. Washington St.
Iowa City, IA 52240
(319)356-5061
FAX: (319) 356-5007
I thought you might like to be aware of the rebroadcast schedule(see below) for the Town Hall meeting last night (Tuesday). Cable TVwill also be indexing this and will be available online as well forout-of-town residents. We'll let you know when that is indexed andavailable for streaming online. That takes longer to do.
Town Hall Meeting of 7/29Schedule so far...
Thursday, July 31 - 8:57 am
Friday, August 1 - 4:32 am and 8:59 pm
Saturday, August 2 - 5:36 am and 9:47 pm
Sunday, August 3 - 5:57 am
Monday August 4 - 11:23 am and 9:30 pm
Tuesday, August 5 - 3:02 pm
Wednesday, August 6 - 7:19 am
Thursday, August 7 - 10:50 am
Friday, August 8 - 1:37 am
Thanks Barb!
Barbara Coffey,
Document Services Supervisor
City of Iowa City
410 E. Washington St.
Iowa City, IA 52240
(319)356-5061
FAX: (319) 356-5007
I thought you might like to be aware of the rebroadcast schedule(see below) for the Town Hall meeting last night (Tuesday). Cable TVwill also be indexing this and will be available online as well forout-of-town residents. We'll let you know when that is indexed andavailable for streaming online. That takes longer to do.
Town Hall Meeting of 7/29Schedule so far...
Thursday, July 31 - 8:57 am
Friday, August 1 - 4:32 am and 8:59 pm
Saturday, August 2 - 5:36 am and 9:47 pm
Sunday, August 3 - 5:57 am
Monday August 4 - 11:23 am and 9:30 pm
Tuesday, August 5 - 3:02 pm
Wednesday, August 6 - 7:19 am
Thursday, August 7 - 10:50 am
Friday, August 8 - 1:37 am
Thanks Barb!
Tuesday, July 29, 2008
Miscellaneous Items
Don't overlook the fact the Coralville Reservoir is 6.39 feet higher today than it was on 7/18 (688.57 vs 694.96). The last time it was at 694 was in April and we know what happened after that in June. We need to get the new target lake level at maximum of 675 not 683 for flood control. And 670 feet would probably be a better maximum for the Coralville Lake.
Also, the city needs to do a study on how the development both up and downstream from our neighborhood has impacted our neighborhood and if this development has made our neighborhood more prone to flooding.
If you haven't completed the Buyout Survey from the city, please do so online to expedite it's delivery.
The City of Iowa City has put together a very simple questionnaire to collect info for the Notice of Interest for the buyout. The City mailed this to you late today (Wednesday) afternoon. You can fill the form online as well by going to www.icgov.org/buyout .
The City of Iowa City has also teamed up with the Greater Iowa City Association of Homebuilders to offer free rebuilding estimates. If you wish to have a free estimate, please check the appropriate box in the buyout info questionnaire. Filling out the form will take less than two minutes.
The info you enter goes directly to Steve Long, senior urban planner in the city's Planning Department.
Also, the city needs to do a study on how the development both up and downstream from our neighborhood has impacted our neighborhood and if this development has made our neighborhood more prone to flooding.
If you haven't completed the Buyout Survey from the city, please do so online to expedite it's delivery.
The City of Iowa City has put together a very simple questionnaire to collect info for the Notice of Interest for the buyout. The City mailed this to you late today (Wednesday) afternoon. You can fill the form online as well by going to www.icgov.org/buyout .
The City of Iowa City has also teamed up with the Greater Iowa City Association of Homebuilders to offer free rebuilding estimates. If you wish to have a free estimate, please check the appropriate box in the buyout info questionnaire. Filling out the form will take less than two minutes.
The info you enter goes directly to Steve Long, senior urban planner in the city's Planning Department.
Monday, July 28, 2008
Town Hall Meeting Tuesday 7/29 at Senior Center
TUESDAY, JULY 29 Senior Center
6:30p – 8:00p "Town Hall Meeting" with Federal & State Flood officials
Followed by Special Work Session – Flood matters
______________________________
ICgov.org Media Release: General City News
Contact: Marian KarrContact Phone: (319) 356-5041
Town Hall Meeting Tuesday, July 29
Posted by: City Clerk
Originally Posted 7/28/2008 8:06:15 AM
On Tuesday evening, July 29, the City will host a meeting of federal and state officials at the Senior Center, 28 S. Linn Street. The town hall meeting will be broadcast live on City Channel 4 from 6:30 to 8:00 PM. Panel members will include representatives from FEMA, Iowa Homeland Security and local City staffers. After short presentations the audience will have the opportunity to ask questions of the panel, and receive updated information on programs.
View and edit your subscription details.
Visit our jobs page for employment opportunities.
View more news from the City of Iowa City.
Do not reply directly to this e-mail! It is produced from an automated system, and is not monitored for replies. If you have a question or comment about this information, please contact the originating department of this message, or by using our feedback form.
For technical questions regarding the website, please contact our web team.
_____________________________
QUESTIONS for Town Hall meeting
How did the FEMA map get updated in 2007?
Was the base flow for the 100 and 500 year floods refigured in the light of changes in upstream land use (urbanization, tiling of farmland etc.)?
Was the hydrology of the river valley in Iowa City reworked to account for post 1993 developments such as the laser center and the arts campus levee improvements?
Why do the FEMA flood boundaries bear such little relationship to the topography on the county GIS?
The FEMA base flood map draws boundaries that undulate up and down contour lines, as if the flood maps are based on very coarse topographic data.
Isn’t the question really about whether the ACTUAL flooded area can be used to define the area of needed mitigation?
The city can ask for a reclassification of land in the floodplain, from 500-year floodplain to 100-year floodplain, based on what we have learned from this flood. Would there be an advantage to us or to the city in asking for this?
What is the metric by which FEMA evaluates buyout plans? We understand that it is not as simple as whether the homes covered by the plan are in the 100 year flood plain or not. We have been led to understand that contiguity, likelihood of damage, and even willingness of the potential seller figure into the story.
What barriers are there to raising the normal peak outflow of the reservoir from 10,000 to 12,000 cfs. We note that this would have allowed the reservoir to be drawn down to a level that could have significantly reduced peak flood levels in the city. We understand that the elevation of North Dubuque Street may be one barrier, but are there others?
For FEMA and the corps, how can programs for flood mitigation and buyout be made to cooperate? It appears as things stand that the borderline between a buyout and a mitigation project must be drawn in advance of any project initiation, while a more realistic planning process might involve redrawing borders between properties to be protected by a levee (a mitigation project) and properties to outside the levee to be bought out after the willing property owners have been identified and after the total available funding has been determined.
The community must have a hazard mitigation plan as a condition for participation in the national flood insurance program. What is our plan? If we don't have a plan, how have we gotten by without one? If we do have a plan, what components of that plan have been implemented.-- What is the state's flood hazard mitigation plan?
All of the above questions apply there as well.
How will FEMA and or the state divide buyout money between communities when, for example, Oakville, Cedar Rapids and Iowa City and Palo all have big needs, but they are so different? Given identically risk-prone houses in each community, assuming comparable value and occupancy, which will get a buyout?
Does FEMA's budget drive their black-box formula for buyouts, or do they prioritize buyouts without regard to the available funding, and then spend what they can.
How do basements and half-basements (as in split foyer homes) factor into the determination of mitigation and buyout eligibility? Does the extent to which a basement was finished matter?
Is the corps contemplating a new review of dam management policies comparable to the review they released in 1997 after the flood of '93?
Does FEMA have the power to negotiate with states and/or state institutions to remove impediments to river flow? In this case, a water-chiller project at the U of I stalled, inactive, for over a year, but a coffer dam was left in the river significantly blocking flow. Damage at the U of I, as well as Park View Terrace and Idlewild, was increased by a flood crest made higher by this dam. Can, FEMA weigh in to help us make sure that dam is gone by next spring?
When FEMA-connected flood insurance covers "Increased Cost of Compliance" for flood mitigation measures, is there a time limit? If we are waiting to see the outcome of FEMA buyout applications, and that takes a year or two, and then falls through, can we still use that ICC coverage based on the flood of 2008? It'll be 2010 then (b) What if there's another flood before repairs are complete on this one? Can we start over on full flood coverage as per our policy's coverage amount?
The Corps of Engineers often favors dikes to protect homes before they recommend buyouts as a permanent solution that would mitigate damages up and down river by re-creating natural floodplains without impediments. In our case, because of the nature of the Coralville Reservoir's operation, we have slow-motion floods lasting months as
the small mud-retaining reservoir slowly and painfully comes down to safe levels. In this area, ground water rises behind dikes that might protect very well in flashfloods, or floods lasting only a week or so (like the Cedar River flood). Here, houses flood from their own sump pump tile systems because as the water rises in the river channel, it rises in the whole valley, and because of the long flood durations, it also rises through the soil behind sandbags or dikes (like filling a bathtub).
The duration of the floods in Iowa City casts doubt on any dike solution. Does FEMA take situations like this into account when making the choices for dike flood mitigation or buyout?
QUESTIONS FOR THE CITY:
Will Occupancy Permits be issued once houses pass routine building inspections, or will the City be expecting something more to mitigate future flood losses?
What are the steps that the City goes through before issuing a demolition permit? (WHY is FEMA involved?)
Will the City ask a representative of the Corps of Engineers to attend the Townhall meeting and answer questions?
Is the city going to sit down with the Corp (not the guys at the Rez...but their managers, I think in Rock Island or somewhere) and have a serious discussion with them about future flooding issues and what they REALLY plan to do to better manage this situation?
Is the city going to sit down with the University and have a hard line discussion with them about their coffer damn situation?
If we stabilize our houses and button them up for the winter to wait for the buyout possibility, do we re-insure at renewal time? How do you value a damaged house for insurance renewal? Or do you just renew as if it were pre-flood?
______________________________________________________
6:30p – 8:00p "Town Hall Meeting" with Federal & State Flood officials
Followed by Special Work Session – Flood matters
______________________________
ICgov.org Media Release: General City News
Contact: Marian KarrContact Phone: (319) 356-5041
Town Hall Meeting Tuesday, July 29
Posted by: City Clerk
Originally Posted 7/28/2008 8:06:15 AM
On Tuesday evening, July 29, the City will host a meeting of federal and state officials at the Senior Center, 28 S. Linn Street. The town hall meeting will be broadcast live on City Channel 4 from 6:30 to 8:00 PM. Panel members will include representatives from FEMA, Iowa Homeland Security and local City staffers. After short presentations the audience will have the opportunity to ask questions of the panel, and receive updated information on programs.
View and edit your subscription details.
Visit our jobs page for employment opportunities.
View more news from the City of Iowa City.
Do not reply directly to this e-mail! It is produced from an automated system, and is not monitored for replies. If you have a question or comment about this information, please contact the originating department of this message, or by using our feedback form.
For technical questions regarding the website, please contact our web team.
_____________________________
QUESTIONS for Town Hall meeting
How did the FEMA map get updated in 2007?
Was the base flow for the 100 and 500 year floods refigured in the light of changes in upstream land use (urbanization, tiling of farmland etc.)?
Was the hydrology of the river valley in Iowa City reworked to account for post 1993 developments such as the laser center and the arts campus levee improvements?
Why do the FEMA flood boundaries bear such little relationship to the topography on the county GIS?
The FEMA base flood map draws boundaries that undulate up and down contour lines, as if the flood maps are based on very coarse topographic data.
Isn’t the question really about whether the ACTUAL flooded area can be used to define the area of needed mitigation?
The city can ask for a reclassification of land in the floodplain, from 500-year floodplain to 100-year floodplain, based on what we have learned from this flood. Would there be an advantage to us or to the city in asking for this?
What is the metric by which FEMA evaluates buyout plans? We understand that it is not as simple as whether the homes covered by the plan are in the 100 year flood plain or not. We have been led to understand that contiguity, likelihood of damage, and even willingness of the potential seller figure into the story.
What barriers are there to raising the normal peak outflow of the reservoir from 10,000 to 12,000 cfs. We note that this would have allowed the reservoir to be drawn down to a level that could have significantly reduced peak flood levels in the city. We understand that the elevation of North Dubuque Street may be one barrier, but are there others?
For FEMA and the corps, how can programs for flood mitigation and buyout be made to cooperate? It appears as things stand that the borderline between a buyout and a mitigation project must be drawn in advance of any project initiation, while a more realistic planning process might involve redrawing borders between properties to be protected by a levee (a mitigation project) and properties to outside the levee to be bought out after the willing property owners have been identified and after the total available funding has been determined.
The community must have a hazard mitigation plan as a condition for participation in the national flood insurance program. What is our plan? If we don't have a plan, how have we gotten by without one? If we do have a plan, what components of that plan have been implemented.-- What is the state's flood hazard mitigation plan?
All of the above questions apply there as well.
How will FEMA and or the state divide buyout money between communities when, for example, Oakville, Cedar Rapids and Iowa City and Palo all have big needs, but they are so different? Given identically risk-prone houses in each community, assuming comparable value and occupancy, which will get a buyout?
Does FEMA's budget drive their black-box formula for buyouts, or do they prioritize buyouts without regard to the available funding, and then spend what they can.
How do basements and half-basements (as in split foyer homes) factor into the determination of mitigation and buyout eligibility? Does the extent to which a basement was finished matter?
Is the corps contemplating a new review of dam management policies comparable to the review they released in 1997 after the flood of '93?
Does FEMA have the power to negotiate with states and/or state institutions to remove impediments to river flow? In this case, a water-chiller project at the U of I stalled, inactive, for over a year, but a coffer dam was left in the river significantly blocking flow. Damage at the U of I, as well as Park View Terrace and Idlewild, was increased by a flood crest made higher by this dam. Can, FEMA weigh in to help us make sure that dam is gone by next spring?
When FEMA-connected flood insurance covers "Increased Cost of Compliance" for flood mitigation measures, is there a time limit? If we are waiting to see the outcome of FEMA buyout applications, and that takes a year or two, and then falls through, can we still use that ICC coverage based on the flood of 2008? It'll be 2010 then (b) What if there's another flood before repairs are complete on this one? Can we start over on full flood coverage as per our policy's coverage amount?
The Corps of Engineers often favors dikes to protect homes before they recommend buyouts as a permanent solution that would mitigate damages up and down river by re-creating natural floodplains without impediments. In our case, because of the nature of the Coralville Reservoir's operation, we have slow-motion floods lasting months as
the small mud-retaining reservoir slowly and painfully comes down to safe levels. In this area, ground water rises behind dikes that might protect very well in flashfloods, or floods lasting only a week or so (like the Cedar River flood). Here, houses flood from their own sump pump tile systems because as the water rises in the river channel, it rises in the whole valley, and because of the long flood durations, it also rises through the soil behind sandbags or dikes (like filling a bathtub).
The duration of the floods in Iowa City casts doubt on any dike solution. Does FEMA take situations like this into account when making the choices for dike flood mitigation or buyout?
QUESTIONS FOR THE CITY:
Will Occupancy Permits be issued once houses pass routine building inspections, or will the City be expecting something more to mitigate future flood losses?
What are the steps that the City goes through before issuing a demolition permit? (WHY is FEMA involved?)
Will the City ask a representative of the Corps of Engineers to attend the Townhall meeting and answer questions?
Is the city going to sit down with the Corp (not the guys at the Rez...but their managers, I think in Rock Island or somewhere) and have a serious discussion with them about future flooding issues and what they REALLY plan to do to better manage this situation?
Is the city going to sit down with the University and have a hard line discussion with them about their coffer damn situation?
If we stabilize our houses and button them up for the winter to wait for the buyout possibility, do we re-insure at renewal time? How do you value a damaged house for insurance renewal? Or do you just renew as if it were pre-flood?
______________________________________________________
Saturday, July 26, 2008
Flood Insurance Meeting Sunday
From: Ofer Sivan
Sent: Friday, July 25, 2008 12:20 PM
Subject: Flood Insurance
Hi All,
We will have a flood insurance powwow from 1pm - 2pm this Sunday at Teaspoon at the corner of Linn and Market Streets. Bring any paperwork or documents that you think may be helpful or that you have questions about.
Ofer
Ofer B. Sivan
Owner, Oasis Falafel LLC
The Falafel Joint
206 North Linn Street
Downtown Iowa City, 52245
319.331.2827 c
319.358.7342 hq
319.358.7320 f
ofer@oasisfalafel.com
Sent: Friday, July 25, 2008 12:20 PM
Subject: Flood Insurance
Hi All,
We will have a flood insurance powwow from 1pm - 2pm this Sunday at Teaspoon at the corner of Linn and Market Streets. Bring any paperwork or documents that you think may be helpful or that you have questions about.
Ofer
Ofer B. Sivan
Owner, Oasis Falafel LLC
The Falafel Joint
206 North Linn Street
Downtown Iowa City, 52245
319.331.2827 c
319.358.7342 hq
319.358.7320 f
ofer@oasisfalafel.com
Wednesday, July 23, 2008
Buyout and Free Rebuilding Estimates
Folks:
The City of Iowa City has put together a very simple questionnaire to collect info for the Notice of Interest for the buyout. The City mailed this to you late today (Wednesday) afternoon. You can fill the form online as well by going to www.icgov.org/buyout .
The City of Iowa City has also teamed up with the Greater Iowa City Association of Homebuilders to offer free rebuilding estimates. If you wish to have a free estimate, please check the appropriate box in the buyout info questionnaire.
Filling out the form will take less than two minutes. The info you enter goes directly to Steve Long, senior urban planner in the city's Planning Department.
Best. -- Jerry
The City of Iowa City has put together a very simple questionnaire to collect info for the Notice of Interest for the buyout. The City mailed this to you late today (Wednesday) afternoon. You can fill the form online as well by going to www.icgov.org/buyout .
The City of Iowa City has also teamed up with the Greater Iowa City Association of Homebuilders to offer free rebuilding estimates. If you wish to have a free estimate, please check the appropriate box in the buyout info questionnaire.
Filling out the form will take less than two minutes. The info you enter goes directly to Steve Long, senior urban planner in the city's Planning Department.
Best. -- Jerry
Tuesday, July 22, 2008
July 21 PVT Meeting Notes
Park View Terrace (Mosquito Flats) neighborhood meeting highlights
July 21, 7-9:30 p.m., Iowa City Public Library, meeting room A
I. Presentation on legal options
Steve Klesner, attorney with Johnston & Nathanson and specialist in bankruptcy, made a presentation on options for people facing problems making house payments. He explained and discussed various types of foreclosures, other options such as deeding house back to bank, complications when there are more than one mortgage or liens, possibilities for negotiations with local banks (affirmed by rep from IC Community Credit Union) versus difficulties of getting anywhere with large corporate mortgage-holders, and so forth. He emphasized that each person’s situation is unique and one cannot generalize about these problems or their solutions; also in the current climate of national mortgage crises predicting how lenders will act is even harder. Handout for his presentation is posted.
II. Presentation on neighborhood options
Doug Jones gave a detailed presentation on his scenario for combination of buyouts, street and home elevation and other flood mitigation measures. His materials have been posted.
III. Other
Steve McGuire summarized city’s current thinking—on the order of either we’ll have a Plan A, with buyout offers to everyone, or a Plan B, buyout of some homes along with mitigation, which seems more likely.
Discussions of various other topics: home elevation costs and effectiveness, ordinances, studies, etc.
Brief time on discussing questions for meeting July 29 with FEMA representatives; see those posted, send in more.
July 21, 7-9:30 p.m., Iowa City Public Library, meeting room A
I. Presentation on legal options
Steve Klesner, attorney with Johnston & Nathanson and specialist in bankruptcy, made a presentation on options for people facing problems making house payments. He explained and discussed various types of foreclosures, other options such as deeding house back to bank, complications when there are more than one mortgage or liens, possibilities for negotiations with local banks (affirmed by rep from IC Community Credit Union) versus difficulties of getting anywhere with large corporate mortgage-holders, and so forth. He emphasized that each person’s situation is unique and one cannot generalize about these problems or their solutions; also in the current climate of national mortgage crises predicting how lenders will act is even harder. Handout for his presentation is posted.
II. Presentation on neighborhood options
Doug Jones gave a detailed presentation on his scenario for combination of buyouts, street and home elevation and other flood mitigation measures. His materials have been posted.
III. Other
Steve McGuire summarized city’s current thinking—on the order of either we’ll have a Plan A, with buyout offers to everyone, or a Plan B, buyout of some homes along with mitigation, which seems more likely.
Discussions of various other topics: home elevation costs and effectiveness, ordinances, studies, etc.
Brief time on discussing questions for meeting July 29 with FEMA representatives; see those posted, send in more.
Flood Insurance Study and Map
At last night's meeting, many people had questions about the origins of the flood maps. This is technically called a Flood Insurance Rate Map (FIRM). It has been digitized and can be seen as a layer in the Johnson County GIS site and the maps I have produced for the meetings. This flood map should always be used in conjuntion with the 2007 Flood Insurance Study (FIS). This study provides good background on previous floods and how the map got updated, specifically the hydrologic and hydraulic methods used to estimate base flood elevations, floodways, flood zones, etc. You can also find the base flood elevation for your house using the flood profile. This comes in handy if you are wondering if you have to raise your house (only applicable if you are in the 100-year). I've attached the FIRM for the neighborhood and a select number of pages from the FIS since it is a large document. The FIS should be able to answer alot of the questions posed last night, even those regarding changes in land use, or at least you'll find a reference.
As far as the GIS maps, maybe people are wondering why they look off. You may have noticed that flood plain may not resemble the topography or may go through part of your house. Understand that the FIRM has been digitized at a larger scale. Plus, layers used to create the maps, such as parcels, contours, and aerials, come from different sources. That leaves more room for error. Use these maps for general purposes only, not for decision making. If your structure is not clearly in the 100-year or 500-year plain, and you haven't resolved where you structure stands, go to the Housing Inspection or Engineering deparments in City Hall. They have survey drawings with more precise information. Julie Tallman in Housing Inspection is happy to show the maps to you and can help you determine your flood zone and base flood elevation.
I know this is alot of information. If you have any additional questions about the above, email me and I'll do my best to help you out. Feel free to post this on the blog as well.
Africa Espina
828 Normandy Dr.
africaespina@gmail.com
Click on link below to see Flood Insurance Study and Map
http://www.razztech.com/floodmap.html
As far as the GIS maps, maybe people are wondering why they look off. You may have noticed that flood plain may not resemble the topography or may go through part of your house. Understand that the FIRM has been digitized at a larger scale. Plus, layers used to create the maps, such as parcels, contours, and aerials, come from different sources. That leaves more room for error. Use these maps for general purposes only, not for decision making. If your structure is not clearly in the 100-year or 500-year plain, and you haven't resolved where you structure stands, go to the Housing Inspection or Engineering deparments in City Hall. They have survey drawings with more precise information. Julie Tallman in Housing Inspection is happy to show the maps to you and can help you determine your flood zone and base flood elevation.
I know this is alot of information. If you have any additional questions about the above, email me and I'll do my best to help you out. Feel free to post this on the blog as well.
Africa Espina
828 Normandy Dr.
africaespina@gmail.com
Click on link below to see Flood Insurance Study and Map
http://www.razztech.com/floodmap.html
Proposed Tax breaks for flood victims
Lawmakers propose tax breaks for flood victims
The Associated Press
DES MOINES - A Democratic state senator wants the state to grant a one-year hiatus in property tax collections to regions hammered by this year's record flooding.And, a key Republican leader wants to push the plan even further.Sen. Tom Courtney, D-Burlington, advocates giving flood victims a break from property taxes for a year.Senate Republican Leader Ron Wieck, of Sioux City, suggests that the state's sales tax also be suspended for the rest of the year. He says that would make it easier for residents to purchase materials needed for flood repair.Any changes would be proposed as part of a package the Legislature could consider during a special session in September that's looking increasingly likely.
Info for Mortgages
Please copy, paste and complete the information below into an email. Send the email to braddock@hebblaw.com - Thank you.
Name:
Parkview Terrace Address:
Current Address:
Flood Insurance (yes/no)
Mortgage (yes/no)
Name of Mortgage Holder
Cost to Repair Home:
Favor Buy out: (yes/no)
Wish to rebuild and stay in the neighborhood: (yes/no)
Wish to rebuild and sell: (yes/no)
Thanks.
Maurine
Name:
Parkview Terrace Address:
Current Address:
Flood Insurance (yes/no)
Mortgage (yes/no)
Name of Mortgage Holder
Cost to Repair Home:
Favor Buy out: (yes/no)
Wish to rebuild and stay in the neighborhood: (yes/no)
Wish to rebuild and sell: (yes/no)
Thanks.
Maurine
Negotiating with Mortgage Lenders
NEGOTIATING WITH MORTGAGE LENDERS
Information for 2008 Flood Victims
By Steve Klesner ofJohnston & Nathanson, 'P.L.C.
July 21,2008
The Flood of2008 has forced many homeowners into situations they probably had never
anticipated. Some flood victims are facing the permanent or temporary loss ofuse of their
homes, forcing them to incur expense for altemative housing. If rebuilding or substantial repairs
are planned, then there is a considerable unplanned expense for that purpose. In any event, the
damaged properties are worth much less on the market than before the flood, and the values may remain depressed in the foreseeable future ifit appears to potential buyers that the properties are at increased risk of future flooding.Some flood victims may now find that their homes are worth less than the debt secured by their homes. They may also find they are financially unable to meet their ongoing mortgageloan obligations while paying rent. What a flood victim needs is a cooperative mortgage lender. Because each person's financial situation is different, it is important to understand somebasic facts about mortgages and foreclosure to determine what options are available to the mortgage lender and the homeowner. With that knowledge, it then is possible to address the question ofhow to negotiate with a mortgage lender.
Because all situations are different, readers are urged to seek legal advice and not rely upon the general
information contained in this article.
First, it is necessary to discuss some basic concepts. When a person buys a home, there
are three main documents which define the relationship between the lender and homeowner. The deed is the document which conveys ownership. The promissory note is the document in which the lender agrees to lend and the borrower promises to repay the loan. The mortgage is the document in which the homeownerlborrower waives his or her right to retain the real estate after a payment or other default on the note. The way a lender exercises its right to take the property upon a default is called foreclosure.
The Mortgage Crisis
In the not-so-distant past, the common practice was for a lender to lend up to a certain
percentage ofthe value ofthe home. An equity margin was maintained to prevent the bank:
taking a loss at a sale after a foreclosure. The lender, in other words, wants to be sure that a sale
to another buyer - either voluntarily or involuntarily - will pay the entire debt.
Beginning in the early 1990's, home values appreciated at an unprecedented pace, in
large part due to lenient lending standards. Lenders were willing to lend without proof of
income, and beyond the value of the home. Inflated appraisals and other questionable practices
were employed by lenders to justify the making of larger and larger loans. Adjustable rate
mortgages and interest-only mortgages allowed buyers to believe they could afford more home
than they could, and this perception further drove up the prices ofhomes. These lending
practices were questioned well before a mortgage crisis suddenly emerged in 2007, but every
homeowner, no matter their mortgage situation, was invested by then in the maintaining ofthose
practices, since to tighten standards would have led to a rapid decline, or "correction", in housing
values.
Some have speculated that the lenders were expecting a rapid and perpetual increase in
property values: In other words, they believed there was no limit to how high property values
could go. If values continued to increase, then even the riskiest loans would always be paid in
full, even in the case of a foreclosure. A more realistic point ofview, I think, is that lenders
knew a day of reckoning would come, but so long as large profits could be earned in the
meantime, then it.was a winning business strategy to make these risky loans, even if the business
ultimately failed.
Locally owned banks generally plan for the long term. They also must protect their local
reputations. They apparently did not engage in the most risky of these lending strategies, but
undoubtedly did feel pressured to loosen their lending standards to remain competitive with
regional and national lenders. It is fair to say they loaned more against real estate, as a
percentage ofvalue, than in the past, and more than they wonld have done in the absence ofthis
competition.
When the mortgage crisis began, local homeowners became dependent on matters outside
their control, such as home values and the availability of credit. Anyone with an adjustable loan,
a short-term loan, or who planned on only briefly owning their home was at risk ofmarket
conditions changing their payments or future loan availability. An owner with a fixed rate, longtermloan,
and with considerable equity, was at little risk so long he or she planned to maintain
ownership until any housing correction played itself out. As flood victims have learned, even
homeowners in the latter category can be affected by the wider market conditions.
Foreclosure
So it is a relatively recent development, and one that hasn't been seen in some decades,
that, in the event of a foreclosure, the lender faces a potentially significant loss. Because home
values in most areas have fallen, and the amount of debt to value was high before the loss in
property values, mortgage lenders can no longer be confident ofbreaking even ifthey must
foreclose. This chan~e is important because it may influence the options the lender is willing to
entertain to avoid foreclosure, and because it may influence the choices the lender may make
regarding the type of foreclosure relief to seek.
Here, it would be helpful to provide a very briefprimer on foreclosure. Depending on
whether the property being foreclosed is for business use or used as a personal residence, and
whether it is agricultural property or not, there are various types of foreclosure relief available to lenders under Iowa law' In the simple case of a home in town, there are really two basic choices available to lenders. In the vast majority of cases, lenders have filed a type of foreclosure called foreclosure without redemption, with waiver ofdeficiency. Basically, this means the lender does not seek a personal judgment against the borrowers, but instead only seeks an order awarding the real estate to the lender. The homeowner loses the property (unless the entire debt is paid off before or at the foreclosure sale), but does not owe any additional money to the lender.
Why do lenders almost always choose this kind of foreclosure? The answer is twofold.
First, historically the bank has done well, satisfying its debt in full from a sale ofthe property,
because they loaned less than the value ofthe property. The second reason has to do with the
length oftime a homeowner can demand to remain in the property after a foreclosure judgment.
In the case of foreclosure without redemption,the homeowner can demand six months of
continued occupancy. In a foreclosure with redemption, on the other hand, the homeowner can
demand one year (although doing so subjects the homeowner to risk ofa deficiency judgment).
So the lender, by waiving the right to collect against the homeowner, by garnishment or other
methods, can obtain possession and sell the property six months quicker, which it considers a
2 Because the large majority offoreclosures are brought in state court, I do not intend to discuss federal court foreclosures in this article, other than to say federal loans foreclosed in federal court usually result in fewer protections forhomeowners, suchas in how long thehomeowner mayremain in possession.
A better option than pursuing a likely futile collection against the homeowner (who is apt to file a
bankruptcy to eliminate any remaining debt).
Here is a conunon foreclosure timeline. First, the lender doesn't usually foreclose until
the borrower is four months or more delinquent. Then, the foreclosure is initiated by the filing of
a foreclosure petition in the Iowa District Court. That petition is served on the homeowner,
usually by a sheriffs deputy or process server personally delivering it to the homeowner. The
homeowner has a total ofthirty days to answer the petition and/or demand a delay of sale.
Assuming the homeowner seeks immediate legal advice and timely files with the court a demand
for delay ofsale but otherwise does not contest the foreclosure, a judgment is rendered sometime
after the thirty days expires. Then a six month clock begins ticking, and at its expiration a
sheriffs sale is scheduled. If the homeowner is still in possession after the sale, then an eviction
will be commenced, which will take a few weeks to run its course. A homeowner is not required
to remain in possession during any of these time periods. It is therefore common for a typical
foreclosure to take eleven months or more (usually more) to accomplish, from the time the
homeowner first becomes delinquent to the time the homeowner is forced out.
A common question asked is whether a homeowner needs to resort to bankruptcy because
of a foreclosure of a home mortgage. The answer depends on the number ofmortgage loans and
mortgage lenders, and the type offoreclosure relief the lender seeks, In a simple case ofone
mortgage loan and the lender who pursues foreclosure without redemption, then the homeowner
probably does not need bankruptcy relief. This is because the lender is not seeking a personal
judgment against the homeowner, so there is no debt to eliminate. Moreover, bankruptcy
provides very little additional delay for a homeowner seeking to stay in the home as long as
possible -. If the homeowner thinks he or she can afford to get back on track and rehabilitate the
loan if given a few years to catch up past due payments, then a Chapter 13 bankruptcy may be
appropriate.
If there are additional mortgages against the home, then the homeowner may need
bankruptcy reliefto eliminate any deficiency that will result for the junior (second, third, etc.)
mortgage holders. It is common for junior mortgage holders to get nothing at a sale, and they
choose instead to sue the homeowner and try to garnish bank accounts and wages. A bankruptcy
will eliminate these debts, assuming, of course, that the homeowner qualifies for bankruptcy
relief (which is a subject too complicated to consider in this article).
How to Negotiate
Now that we have learned a few things about mortgages and foreclosure, it is possible to
discuss how to negotiate with a mortgage lender. Any banker will tell you that they don't want
your property. They want the payments to be made. This is true. Banks are in the business of
lending and collecting payments. They do not want to incur cost in managing a property and
taking a risk ofloss, especially in a declining real estate market (which has not affected all
geographic areas equally, of course).
That being said, the banks have few options other than foreclosure. If there are no other
mortgages or liens against a property, a lender is often happy to take a deed-in-lieu of
foreclosure. This means the homeowner signs a deed and acknowledgement that he or she is
giving up significant rights, and walks away. It is important to get it in writing that the bank will
waive all remaining debt. This is advantageous to both parties in many cases. The lender gets
the home on the market ASAP. The homeowner suffers less harm to his or her credit score.
If there is more than one mortgage, it may be possible to sell the property in a short sale.
This means one or more lender agrees to allow a sale for less than full payment. Usually, there is
no waiver ofremaining debt, and a payment plan is negotiated to satisfy the remaining debt.
The problem that has arisen in the declining markets, and more acutely for flood victims,
is that the properties at issue are worth much less than the loan balances. For flood victims
especially, it means the bank really, really, doesn't want the home, because it is not marketable
without substantial further investment, if at all. This situation forces a bank to consider
abandoning past practices, and instead pursue other options, like foreclosure with redemption,
for example, There really are no attractive options for either the homeowner or the lender if the
property is substantially destroyed,
When a property has been mostly destroyed, it is even possible a mortgage lender may
avoid foreclosure altogether, because nothing forces a lender to take the property, Instead, a
lender may simply sue on the note and never exercise its rights to foreclose, A personal
judgment will be used to garnish personal assets and wages, as mentioned above, and will lead in
many cases to bankruptcy. Further problems arise if the mortgage lender won't take the property. Property taxes continue to accrue, and any special assessments also will be the homeowner's responsibility.
The homeowner can be responsible for any injuries that occur on the property: Ultimately, the
homeowner may be stuck with the property until it is sold at a tax sale, assuming that the
homeowner stops paying the property taxes. This is not an elegant solution,
In most cases, flood victims will be better offif their mortgages are with local mortgage
lenders, Local banks must consider their local reputations, and therefore are more likely to do
everything possible to avoid foreclosures and are less likely to pursue personal judgments.
Those with national or regional lenders are not so fortunate, and, to make matters worse, must
contend with the unique difficulties that arise in these large organizations. In short, because of
the fragmentation of services provided by these behemoths, it is very difficult to get decisions
and formalize any deals. Meanwhile, credit scores are likely to suffer badly if the loan payments
are not made on time,
Until some announcements come from our local banks, no one, including bank officers,
probably knows how these unique circumstances will be dealt with. At this point, a best guess is
that local banks will be willing to talk to homeowners, on a case-by-case basis, about deferring
payments and not reporting the payments as late. Significant debt forgiveness is probably not
realistic, at least in the near future. Ifthe homeowner does not want to remain in the property
and cannot expect a buy-out by any governmental unit or FEMA assistance to be substantial
enough to pay off the mortgage debt, then he or she will probably want to meet with a lawyer to
talk about legal options. In most cases, there is no pressing need to resort to bankruptcy. A
bankruptcy later is usually as good as a bankruptcy today, and careful consideration is warranted
before selecting that or any other legal option. There is no reason to delay in determining
whether any legal option may ultimately be needed, however, and may aid in deciding how and
when to negotiate with any mortgage lender.
Summary
Because of the unique circumstances facing flood victims, including the mortgage
lending crisis which arose before the flood, it is hard to reliably predict how banks behave in any
negotiation. Before negotiating with your mortgage lender, you should understand your options,
including foreclosure, foreclosure alternatives, and bankruptcy. This will require advice from an
attorney after a review of your situation. Any plan to deal with your situation will depend on
your own situation, including:
• Your financial resources or degree of financial hardship
• The likelihood of a buyout or other public assistance
• Your desire to remain in the property or abandon it
• The extent of the damage
• Your eligibility for bankruptcy and the likely consequences ofbankruptcy
• Whether your lender is locally owned
• The number and amount ofmortgages on the property, and the likely foreclosure
outcome
• Any impact on other persons, such as cosigners, neighbors, and other collateral
Johnston & Nathanson, P.L.C.
1927 Keokuk Street, PO Box 3400
Iowa City, IA 52244
(319)338-9852, fax (319)354-7265
sklesner@jpnIaw.com
www.jolmstonnathanson.com
www.iowabankruptcylaw.net
Note: this was a scanned document and possible not all items were scanned correctly by the software. Please be sure to contact your attorney for more specific information regarding your exact situation.
Information for 2008 Flood Victims
By Steve Klesner ofJohnston & Nathanson, 'P.L.C.
July 21,2008
The Flood of2008 has forced many homeowners into situations they probably had never
anticipated. Some flood victims are facing the permanent or temporary loss ofuse of their
homes, forcing them to incur expense for altemative housing. If rebuilding or substantial repairs
are planned, then there is a considerable unplanned expense for that purpose. In any event, the
damaged properties are worth much less on the market than before the flood, and the values may remain depressed in the foreseeable future ifit appears to potential buyers that the properties are at increased risk of future flooding.Some flood victims may now find that their homes are worth less than the debt secured by their homes. They may also find they are financially unable to meet their ongoing mortgageloan obligations while paying rent. What a flood victim needs is a cooperative mortgage lender. Because each person's financial situation is different, it is important to understand somebasic facts about mortgages and foreclosure to determine what options are available to the mortgage lender and the homeowner. With that knowledge, it then is possible to address the question ofhow to negotiate with a mortgage lender.
Because all situations are different, readers are urged to seek legal advice and not rely upon the general
information contained in this article.
First, it is necessary to discuss some basic concepts. When a person buys a home, there
are three main documents which define the relationship between the lender and homeowner. The deed is the document which conveys ownership. The promissory note is the document in which the lender agrees to lend and the borrower promises to repay the loan. The mortgage is the document in which the homeownerlborrower waives his or her right to retain the real estate after a payment or other default on the note. The way a lender exercises its right to take the property upon a default is called foreclosure.
The Mortgage Crisis
In the not-so-distant past, the common practice was for a lender to lend up to a certain
percentage ofthe value ofthe home. An equity margin was maintained to prevent the bank:
taking a loss at a sale after a foreclosure. The lender, in other words, wants to be sure that a sale
to another buyer - either voluntarily or involuntarily - will pay the entire debt.
Beginning in the early 1990's, home values appreciated at an unprecedented pace, in
large part due to lenient lending standards. Lenders were willing to lend without proof of
income, and beyond the value of the home. Inflated appraisals and other questionable practices
were employed by lenders to justify the making of larger and larger loans. Adjustable rate
mortgages and interest-only mortgages allowed buyers to believe they could afford more home
than they could, and this perception further drove up the prices ofhomes. These lending
practices were questioned well before a mortgage crisis suddenly emerged in 2007, but every
homeowner, no matter their mortgage situation, was invested by then in the maintaining ofthose
practices, since to tighten standards would have led to a rapid decline, or "correction", in housing
values.
Some have speculated that the lenders were expecting a rapid and perpetual increase in
property values: In other words, they believed there was no limit to how high property values
could go. If values continued to increase, then even the riskiest loans would always be paid in
full, even in the case of a foreclosure. A more realistic point ofview, I think, is that lenders
knew a day of reckoning would come, but so long as large profits could be earned in the
meantime, then it.was a winning business strategy to make these risky loans, even if the business
ultimately failed.
Locally owned banks generally plan for the long term. They also must protect their local
reputations. They apparently did not engage in the most risky of these lending strategies, but
undoubtedly did feel pressured to loosen their lending standards to remain competitive with
regional and national lenders. It is fair to say they loaned more against real estate, as a
percentage ofvalue, than in the past, and more than they wonld have done in the absence ofthis
competition.
When the mortgage crisis began, local homeowners became dependent on matters outside
their control, such as home values and the availability of credit. Anyone with an adjustable loan,
a short-term loan, or who planned on only briefly owning their home was at risk ofmarket
conditions changing their payments or future loan availability. An owner with a fixed rate, longtermloan,
and with considerable equity, was at little risk so long he or she planned to maintain
ownership until any housing correction played itself out. As flood victims have learned, even
homeowners in the latter category can be affected by the wider market conditions.
Foreclosure
So it is a relatively recent development, and one that hasn't been seen in some decades,
that, in the event of a foreclosure, the lender faces a potentially significant loss. Because home
values in most areas have fallen, and the amount of debt to value was high before the loss in
property values, mortgage lenders can no longer be confident ofbreaking even ifthey must
foreclose. This chan~e is important because it may influence the options the lender is willing to
entertain to avoid foreclosure, and because it may influence the choices the lender may make
regarding the type of foreclosure relief to seek.
Here, it would be helpful to provide a very briefprimer on foreclosure. Depending on
whether the property being foreclosed is for business use or used as a personal residence, and
whether it is agricultural property or not, there are various types of foreclosure relief available to lenders under Iowa law' In the simple case of a home in town, there are really two basic choices available to lenders. In the vast majority of cases, lenders have filed a type of foreclosure called foreclosure without redemption, with waiver ofdeficiency. Basically, this means the lender does not seek a personal judgment against the borrowers, but instead only seeks an order awarding the real estate to the lender. The homeowner loses the property (unless the entire debt is paid off before or at the foreclosure sale), but does not owe any additional money to the lender.
Why do lenders almost always choose this kind of foreclosure? The answer is twofold.
First, historically the bank has done well, satisfying its debt in full from a sale ofthe property,
because they loaned less than the value ofthe property. The second reason has to do with the
length oftime a homeowner can demand to remain in the property after a foreclosure judgment.
In the case of foreclosure without redemption,the homeowner can demand six months of
continued occupancy. In a foreclosure with redemption, on the other hand, the homeowner can
demand one year (although doing so subjects the homeowner to risk ofa deficiency judgment).
So the lender, by waiving the right to collect against the homeowner, by garnishment or other
methods, can obtain possession and sell the property six months quicker, which it considers a
2 Because the large majority offoreclosures are brought in state court, I do not intend to discuss federal court foreclosures in this article, other than to say federal loans foreclosed in federal court usually result in fewer protections forhomeowners, suchas in how long thehomeowner mayremain in possession.
A better option than pursuing a likely futile collection against the homeowner (who is apt to file a
bankruptcy to eliminate any remaining debt).
Here is a conunon foreclosure timeline. First, the lender doesn't usually foreclose until
the borrower is four months or more delinquent. Then, the foreclosure is initiated by the filing of
a foreclosure petition in the Iowa District Court. That petition is served on the homeowner,
usually by a sheriffs deputy or process server personally delivering it to the homeowner. The
homeowner has a total ofthirty days to answer the petition and/or demand a delay of sale.
Assuming the homeowner seeks immediate legal advice and timely files with the court a demand
for delay ofsale but otherwise does not contest the foreclosure, a judgment is rendered sometime
after the thirty days expires. Then a six month clock begins ticking, and at its expiration a
sheriffs sale is scheduled. If the homeowner is still in possession after the sale, then an eviction
will be commenced, which will take a few weeks to run its course. A homeowner is not required
to remain in possession during any of these time periods. It is therefore common for a typical
foreclosure to take eleven months or more (usually more) to accomplish, from the time the
homeowner first becomes delinquent to the time the homeowner is forced out.
A common question asked is whether a homeowner needs to resort to bankruptcy because
of a foreclosure of a home mortgage. The answer depends on the number ofmortgage loans and
mortgage lenders, and the type offoreclosure relief the lender seeks, In a simple case ofone
mortgage loan and the lender who pursues foreclosure without redemption, then the homeowner
probably does not need bankruptcy relief. This is because the lender is not seeking a personal
judgment against the homeowner, so there is no debt to eliminate. Moreover, bankruptcy
provides very little additional delay for a homeowner seeking to stay in the home as long as
possible -. If the homeowner thinks he or she can afford to get back on track and rehabilitate the
loan if given a few years to catch up past due payments, then a Chapter 13 bankruptcy may be
appropriate.
If there are additional mortgages against the home, then the homeowner may need
bankruptcy reliefto eliminate any deficiency that will result for the junior (second, third, etc.)
mortgage holders. It is common for junior mortgage holders to get nothing at a sale, and they
choose instead to sue the homeowner and try to garnish bank accounts and wages. A bankruptcy
will eliminate these debts, assuming, of course, that the homeowner qualifies for bankruptcy
relief (which is a subject too complicated to consider in this article).
How to Negotiate
Now that we have learned a few things about mortgages and foreclosure, it is possible to
discuss how to negotiate with a mortgage lender. Any banker will tell you that they don't want
your property. They want the payments to be made. This is true. Banks are in the business of
lending and collecting payments. They do not want to incur cost in managing a property and
taking a risk ofloss, especially in a declining real estate market (which has not affected all
geographic areas equally, of course).
That being said, the banks have few options other than foreclosure. If there are no other
mortgages or liens against a property, a lender is often happy to take a deed-in-lieu of
foreclosure. This means the homeowner signs a deed and acknowledgement that he or she is
giving up significant rights, and walks away. It is important to get it in writing that the bank will
waive all remaining debt. This is advantageous to both parties in many cases. The lender gets
the home on the market ASAP. The homeowner suffers less harm to his or her credit score.
If there is more than one mortgage, it may be possible to sell the property in a short sale.
This means one or more lender agrees to allow a sale for less than full payment. Usually, there is
no waiver ofremaining debt, and a payment plan is negotiated to satisfy the remaining debt.
The problem that has arisen in the declining markets, and more acutely for flood victims,
is that the properties at issue are worth much less than the loan balances. For flood victims
especially, it means the bank really, really, doesn't want the home, because it is not marketable
without substantial further investment, if at all. This situation forces a bank to consider
abandoning past practices, and instead pursue other options, like foreclosure with redemption,
for example, There really are no attractive options for either the homeowner or the lender if the
property is substantially destroyed,
When a property has been mostly destroyed, it is even possible a mortgage lender may
avoid foreclosure altogether, because nothing forces a lender to take the property, Instead, a
lender may simply sue on the note and never exercise its rights to foreclose, A personal
judgment will be used to garnish personal assets and wages, as mentioned above, and will lead in
many cases to bankruptcy. Further problems arise if the mortgage lender won't take the property. Property taxes continue to accrue, and any special assessments also will be the homeowner's responsibility.
The homeowner can be responsible for any injuries that occur on the property: Ultimately, the
homeowner may be stuck with the property until it is sold at a tax sale, assuming that the
homeowner stops paying the property taxes. This is not an elegant solution,
In most cases, flood victims will be better offif their mortgages are with local mortgage
lenders, Local banks must consider their local reputations, and therefore are more likely to do
everything possible to avoid foreclosures and are less likely to pursue personal judgments.
Those with national or regional lenders are not so fortunate, and, to make matters worse, must
contend with the unique difficulties that arise in these large organizations. In short, because of
the fragmentation of services provided by these behemoths, it is very difficult to get decisions
and formalize any deals. Meanwhile, credit scores are likely to suffer badly if the loan payments
are not made on time,
Until some announcements come from our local banks, no one, including bank officers,
probably knows how these unique circumstances will be dealt with. At this point, a best guess is
that local banks will be willing to talk to homeowners, on a case-by-case basis, about deferring
payments and not reporting the payments as late. Significant debt forgiveness is probably not
realistic, at least in the near future. Ifthe homeowner does not want to remain in the property
and cannot expect a buy-out by any governmental unit or FEMA assistance to be substantial
enough to pay off the mortgage debt, then he or she will probably want to meet with a lawyer to
talk about legal options. In most cases, there is no pressing need to resort to bankruptcy. A
bankruptcy later is usually as good as a bankruptcy today, and careful consideration is warranted
before selecting that or any other legal option. There is no reason to delay in determining
whether any legal option may ultimately be needed, however, and may aid in deciding how and
when to negotiate with any mortgage lender.
Summary
Because of the unique circumstances facing flood victims, including the mortgage
lending crisis which arose before the flood, it is hard to reliably predict how banks behave in any
negotiation. Before negotiating with your mortgage lender, you should understand your options,
including foreclosure, foreclosure alternatives, and bankruptcy. This will require advice from an
attorney after a review of your situation. Any plan to deal with your situation will depend on
your own situation, including:
• Your financial resources or degree of financial hardship
• The likelihood of a buyout or other public assistance
• Your desire to remain in the property or abandon it
• The extent of the damage
• Your eligibility for bankruptcy and the likely consequences ofbankruptcy
• Whether your lender is locally owned
• The number and amount ofmortgages on the property, and the likely foreclosure
outcome
• Any impact on other persons, such as cosigners, neighbors, and other collateral
Johnston & Nathanson, P.L.C.
1927 Keokuk Street, PO Box 3400
Iowa City, IA 52244
(319)338-9852, fax (319)354-7265
sklesner@jpnIaw.com
www.jolmstonnathanson.com
www.iowabankruptcylaw.net
Note: this was a scanned document and possible not all items were scanned correctly by the software. Please be sure to contact your attorney for more specific information regarding your exact situation.
Green Mold Killer - Sporiclean
Article in today's Gazette on this product - I couldn't find it online so you may have to read the paper.
http://www.sporiclean.com/
Greetings Bob,
We have a store in Cedar Rapids - Edgewood Hardware (Do It Best) 340 Edgewood Rd NW - Mike Lauderdale proprietor. I'll be there between 1:00 and 5:00pm today holding discussions... if you can make it there, I'd like to share time with you. We do not have a store in Iowa City.
Thank you,
Nick Martello, Environmental Director
US Biologics, Inc.
www.KillMoldFast.com
www.USBiologics.com
Ph: (440) 801-1922
SporiCLEAN® "GREEN" Cleans wood, painted surfaces, ceilings, walls, wallpaper, tile, ceramic, concrete, cinder block, metal, plastic, leather (test for color-fast), carpet & carpet stains, upholstery and ELIMINATES ALL ORGANIC ODORS FAST!
http://www.sporiclean.com/
Greetings Bob,
We have a store in Cedar Rapids - Edgewood Hardware (Do It Best) 340 Edgewood Rd NW - Mike Lauderdale proprietor. I'll be there between 1:00 and 5:00pm today holding discussions... if you can make it there, I'd like to share time with you. We do not have a store in Iowa City.
Thank you,
Nick Martello, Environmental Director
US Biologics, Inc.
www.KillMoldFast.com
www.USBiologics.com
Ph: (440) 801-1922
SporiCLEAN® "GREEN" Cleans wood, painted surfaces, ceilings, walls, wallpaper, tile, ceramic, concrete, cinder block, metal, plastic, leather (test for color-fast), carpet & carpet stains, upholstery and ELIMINATES ALL ORGANIC ODORS FAST!
Monday, July 21, 2008
Questions to be answered
-- How did the FEMA map get updated in 2007?
- Was the base flow for the 100 and 500 year floods refigured in the light of changes in upstream land use (urbanization, tiling of farmland etc.)?
- Was the hydrology of the river valley in Iowa City reworked to account for post 1993 developments such as the laser center and the arts campus levee improvements?
-Why do the FEMA flood boundaries bear such little relationship to the topography on the county GIS?
--The FEMA base flood map draws boundaries that undulate up and down contour lines, as if the flood maps are based on very coarse topographic data.-- The city can ask for a reclassification of land in the floodplain, from 500-year floodplain to 100-year floodplain, based on what we have learned from this flood. Would there be an advantage to us or to the city in asking for this?
-- What is the metric by which FEMA evaluates buyout plans? We understand that it is not as simple as whether the homes covered by the plan are in the 100 year flood plain or not. We have been led to understand that contiguity, likelihood of damage, and even willingness of the potential seller figure into the story.
-- What barriers are there to raising the normal peak outflow of the reservoir from 10,000 to 12,000 cfs. We note that this would have allowed the reservoir to be drawn down to a level that could have significantly reduced peak flood levels in the city. We understand that the elevation of North Dubuque Street may be one barrier, but are there others?
-- For FEMA and the corps, how can programs for flood mitigation and buyout be made to cooperate? It appears as things stand that the borderline between a buyout and a mitigation project must be drawn in advance of any project initiation, while a more realistic planning process might involve redrawing borders between properties to be protected by a levee (a mitigation project) and properties to outside the levee to be bought out after the willing property owners have been identified and after the total available funding has been determined.
-- The community must have a hazard mitigation plan as a condition for participation in the national flood insurance program. What is our plan? If we don't have a plan, how have we gotten by without one? If we do have a plan, what components of that plan have been implemented.-- What is the state's flood hazard mitigation plan?
All of the above questions apply there as well.-- How will FEMA and or the state divide buyout money between communities when, for example, Oakville, Cedar Rapids and Iowa City and Palo all have big needs, but they are so different? Given identically risk-prone houses in each community, assuming comparable value and occupancy, which will get a buyout?
-- Does FEMA's budget drive their black-box formula for buyouts, or do they prioritize buyouts without regard to the available funding, and then spend what they can.
-- How do basements and half-basements (as in split foyer homes) factor into the determination of mitigarion and buyout elegibility? Does the extent to which a basement was finished matter?-- Is the corps contemplating a new review of dam management policies comparable to the review they released in 1997 after the flood of '93?
--Will the City ask a representative of the Corps of Engineers to attend the Townhall meeting and answer questions?
- Was the base flow for the 100 and 500 year floods refigured in the light of changes in upstream land use (urbanization, tiling of farmland etc.)?
- Was the hydrology of the river valley in Iowa City reworked to account for post 1993 developments such as the laser center and the arts campus levee improvements?
-Why do the FEMA flood boundaries bear such little relationship to the topography on the county GIS?
--The FEMA base flood map draws boundaries that undulate up and down contour lines, as if the flood maps are based on very coarse topographic data.-- The city can ask for a reclassification of land in the floodplain, from 500-year floodplain to 100-year floodplain, based on what we have learned from this flood. Would there be an advantage to us or to the city in asking for this?
-- What is the metric by which FEMA evaluates buyout plans? We understand that it is not as simple as whether the homes covered by the plan are in the 100 year flood plain or not. We have been led to understand that contiguity, likelihood of damage, and even willingness of the potential seller figure into the story.
-- What barriers are there to raising the normal peak outflow of the reservoir from 10,000 to 12,000 cfs. We note that this would have allowed the reservoir to be drawn down to a level that could have significantly reduced peak flood levels in the city. We understand that the elevation of North Dubuque Street may be one barrier, but are there others?
-- For FEMA and the corps, how can programs for flood mitigation and buyout be made to cooperate? It appears as things stand that the borderline between a buyout and a mitigation project must be drawn in advance of any project initiation, while a more realistic planning process might involve redrawing borders between properties to be protected by a levee (a mitigation project) and properties to outside the levee to be bought out after the willing property owners have been identified and after the total available funding has been determined.
-- The community must have a hazard mitigation plan as a condition for participation in the national flood insurance program. What is our plan? If we don't have a plan, how have we gotten by without one? If we do have a plan, what components of that plan have been implemented.-- What is the state's flood hazard mitigation plan?
All of the above questions apply there as well.-- How will FEMA and or the state divide buyout money between communities when, for example, Oakville, Cedar Rapids and Iowa City and Palo all have big needs, but they are so different? Given identically risk-prone houses in each community, assuming comparable value and occupancy, which will get a buyout?
-- Does FEMA's budget drive their black-box formula for buyouts, or do they prioritize buyouts without regard to the available funding, and then spend what they can.
-- How do basements and half-basements (as in split foyer homes) factor into the determination of mitigarion and buyout elegibility? Does the extent to which a basement was finished matter?-- Is the corps contemplating a new review of dam management policies comparable to the review they released in 1997 after the flood of '93?
--Will the City ask a representative of the Corps of Engineers to attend the Townhall meeting and answer questions?
Sunday, July 20, 2008
Mayor's Tour of PVT Pictures
On Saturday, Mayor Regnia Baily joined the Mcguires and Jerry Anthony for a tour of PVT to examine it's current state.
Meeting with Mike Wright Sunday 2 PM at PVT
From: Louise Wolf-Novak
Sent: Saturday, July 19, 2008 8:02 PM
Subject: Sunday Meeting 2 PM Corner of Normandy and Park Road--see you there.
Hi, Contact List:
This is to confirm the walk-through with Mike Wright on Sunday, July 20, at 2 PM.
Following the meeting, we will meet at Doug Jones house on the corner of Normandy and Park Road. This will be more convenient than my rental house.
Carry on--Louise Wolf-Novak
Sent: Saturday, July 19, 2008 8:02 PM
Subject: Sunday Meeting 2 PM Corner of Normandy and Park Road--see you there.
Hi, Contact List:
This is to confirm the walk-through with Mike Wright on Sunday, July 20, at 2 PM.
Following the meeting, we will meet at Doug Jones house on the corner of Normandy and Park Road. This will be more convenient than my rental house.
Carry on--Louise Wolf-Novak
Saturday, July 19, 2008
Volunteers needed today to remove sandbags
VOLUNTEERS NEEDED - SANDBAG REMOVAL IN NORMANDY DRIVE AREA
Note: Due to the enormous number of sandbags - this project may go on for the next several Saturdays. See ICgov.org, ICPC or the Gazette for updates.
Note: Due to the enormous number of sandbags - this project may go on for the next several Saturdays. See ICgov.org, ICPC or the Gazette for updates.
Iowa State Insurance Commission Contact Info
Also, the State Insurance Commissioner's role is to advocate for the insured when they are having a dispute with their insurance company. Here is the phone number for the Iowa State Insurance Commissioner - (515)281-5705
Iowa Insurance Division Contact Information
Address:Iowa Insurance Division
330 Maple St.Des Moines, IA 50319-0065
Map to our location
Des Moines Area: 515-281-5705
Toll Free (within Iowa): 877-955-1212
Fax: 515-281-3059
Iowa Insurance Division Contact Information
Address:Iowa Insurance Division
330 Maple St.Des Moines, IA 50319-0065
Map to our location
Des Moines Area: 515-281-5705
Toll Free (within Iowa): 877-955-1212
Fax: 515-281-3059
Friday, July 18, 2008
Response to ICPC editorial
Our View: City needs to be realistic when asking for funds
Ideally, Iowa City and Coralville city governments should reverse the bad decisions they made decades ago and work to buy out buildings constructed on land that would better serve as flood buffers -- areas like Idyllwild, Parkview Terrace and Edgewater. At the very least, cities need to examine their ordinances to ensure that they don't worsen the problem as they aid the recovery from this year's "500-year" flood.
But Iowa City and Coralville aren't the only cities guilty of an overly optimistic faith in the power of the U.S. Army Corps of Engineers to keep rivers and creeks in their banks. In fact, their previous shortsighted decisions are the rule rather than the exception. And that means dollars from the Federal Emergency Management Agency's buyout program need to be stretched to cover flood-prone developments throughout the nation.
Where their counterparts in the 1950s and 1960s were so blindly optimistic, the current Iowa City Council and city manager are right to be realistic about the long-shot odds against a full buyout of the more than 250 homes affected by the recent floods. As the city prepares its buyout notice of interest letter, the debate is whether city officials should include all of the affected homes or just the ones most likely to fall within the cost-benefit threshold that FEMA uses to select homes for a buyout. (For those homes selected, FEMA would cover 75 percent of the cost, with the state chipping in 10 percent and the homeowner or city chipping in 15 percent).
The city attorney said that asking FEMA to help everyone wouldn't hurt the chances of FEMA eventually deciding helping out the most flood-prone of the homes. But the new city manager wisely is counseling against offering more false hopes to homeowners who need to make a decision soon about what to do with their homes standing in areas that never should have been developed.
"Are we going to be forestalling the rebuilding process for people if we include them in the notice?" Iowa City Manager Michael Lombardo asked. "How well is that information going to sit two years from now, when they're expected to be bought out, only to find out the dollars only go so far?"
In its initial request, the city should use a generous reading of FEMA's cost-benefit analysis system -- just in case more funding becomes available. But it should only include those homes with a good chance of eventually being covered. Past government officials haven't been upfront about the risks these homeowners faced. Current city officials shouldn't repeat the shortsightedness of their predecessors.
Ideally, Iowa City and Coralville city governments should reverse the bad decisions they made decades ago and work to buy out buildings constructed on land that would better serve as flood buffers -- areas like Idyllwild, Parkview Terrace and Edgewater. At the very least, cities need to examine their ordinances to ensure that they don't worsen the problem as they aid the recovery from this year's "500-year" flood.
But Iowa City and Coralville aren't the only cities guilty of an overly optimistic faith in the power of the U.S. Army Corps of Engineers to keep rivers and creeks in their banks. In fact, their previous shortsighted decisions are the rule rather than the exception. And that means dollars from the Federal Emergency Management Agency's buyout program need to be stretched to cover flood-prone developments throughout the nation.
Where their counterparts in the 1950s and 1960s were so blindly optimistic, the current Iowa City Council and city manager are right to be realistic about the long-shot odds against a full buyout of the more than 250 homes affected by the recent floods. As the city prepares its buyout notice of interest letter, the debate is whether city officials should include all of the affected homes or just the ones most likely to fall within the cost-benefit threshold that FEMA uses to select homes for a buyout. (For those homes selected, FEMA would cover 75 percent of the cost, with the state chipping in 10 percent and the homeowner or city chipping in 15 percent).
The city attorney said that asking FEMA to help everyone wouldn't hurt the chances of FEMA eventually deciding helping out the most flood-prone of the homes. But the new city manager wisely is counseling against offering more false hopes to homeowners who need to make a decision soon about what to do with their homes standing in areas that never should have been developed.
"Are we going to be forestalling the rebuilding process for people if we include them in the notice?" Iowa City Manager Michael Lombardo asked. "How well is that information going to sit two years from now, when they're expected to be bought out, only to find out the dollars only go so far?"
In its initial request, the city should use a generous reading of FEMA's cost-benefit analysis system -- just in case more funding becomes available. But it should only include those homes with a good chance of eventually being covered. Past government officials haven't been upfront about the risks these homeowners faced. Current city officials shouldn't repeat the shortsightedness of their predecessors.
Iowa City plan trip to DC
Contact: Marian KarrContact Phone: (319) 356-5041
Iowa City Plan Trip to DC
Posted by: City Clerk
Originally Posted 7/18/2008 5:16:28 PM
Iowa City officials will be meeting with federal delegates in Washington, D. C. next Tuesday and Wednesday to discuss flood recovery efforts in our area. The group will include: Mayor Regenia Bailey, City Manager Michael Lombardo, Public Works Director Rick Fosse and Planning & Community Director Jeff Davidson, as well as representatives from Coralville and the University of Iowa.The visit will provide an opportunity to provide more details on the extent of the damages in Iowa City, and pointing out key needs for the area.
View and edit your subscription details.
Visit our jobs page for employment opportunities.
View more news from the City of Iowa City.
Iowa City Plan Trip to DC
Posted by: City Clerk
Originally Posted 7/18/2008 5:16:28 PM
Iowa City officials will be meeting with federal delegates in Washington, D. C. next Tuesday and Wednesday to discuss flood recovery efforts in our area. The group will include: Mayor Regenia Bailey, City Manager Michael Lombardo, Public Works Director Rick Fosse and Planning & Community Director Jeff Davidson, as well as representatives from Coralville and the University of Iowa.The visit will provide an opportunity to provide more details on the extent of the damages in Iowa City, and pointing out key needs for the area.
View and edit your subscription details.
Visit our jobs page for employment opportunities.
View more news from the City of Iowa City.
Next PVT Meeting at 7 pm 7/21 at ICPL
From: Steve Mcguire
Sent: Friday, July 18, 2008 3:32 PM
Subject: Update and Meeting
Hi Everyone, The next Parkview Terrace meeting is set for 7:00pm Monday, July 21 at ICPL.
This meeting will be recorded for broadcast.
At our meeting we will discuss the process of gathering information from neighborhood homeowners for the purpose of the City’s “Notice of Intent” to the State for HMPG funds. The City will be gathering this information through a web page. It will be good for us individually to be aware of what information will be requested so that the City can collect the information in a timely manner for the September 12 deadline. My sense, from Michael Lombardo and Jeff Davidson is that the City is pursuing a mitigation plan for the neighborhood with dispatch and purpose. Michael Lombardo said, “Steve, you can tell the neighborhood the city will not abandon them and our goal is to find a way to protect residents from future flooding”. More has already taken place in the City Planners Office in terms of 2008 post flood action than happened since 1993. As many folks know this will not happen overnight and may take the form of a combination of property buyouts and flood mitigation measures.
It will require, on our part, focused and sustained attention to the science and politics of flooding in Mosquito Flats. To this end Doug Jones will present some of the issues concerning flood mitigation for PVT. While Doug’s plan may not be the future, he offers a good overview of the mix of mitigation options and issues that face us as a neighborhood. At our Monday meeting will identify questions for the Tuesday, July 29 town-hall at the Senior Center, where Iowa Homeland Security and FEMA folks will address questions.
I am currently identifying a second location for meetings so that we can accommodate weekly meetings. Best, Steve
Sent: Friday, July 18, 2008 3:32 PM
Subject: Update and Meeting
Hi Everyone, The next Parkview Terrace meeting is set for 7:00pm Monday, July 21 at ICPL.
This meeting will be recorded for broadcast.
At our meeting we will discuss the process of gathering information from neighborhood homeowners for the purpose of the City’s “Notice of Intent” to the State for HMPG funds. The City will be gathering this information through a web page. It will be good for us individually to be aware of what information will be requested so that the City can collect the information in a timely manner for the September 12 deadline. My sense, from Michael Lombardo and Jeff Davidson is that the City is pursuing a mitigation plan for the neighborhood with dispatch and purpose. Michael Lombardo said, “Steve, you can tell the neighborhood the city will not abandon them and our goal is to find a way to protect residents from future flooding”. More has already taken place in the City Planners Office in terms of 2008 post flood action than happened since 1993. As many folks know this will not happen overnight and may take the form of a combination of property buyouts and flood mitigation measures.
It will require, on our part, focused and sustained attention to the science and politics of flooding in Mosquito Flats. To this end Doug Jones will present some of the issues concerning flood mitigation for PVT. While Doug’s plan may not be the future, he offers a good overview of the mix of mitigation options and issues that face us as a neighborhood. At our Monday meeting will identify questions for the Tuesday, July 29 town-hall at the Senior Center, where Iowa Homeland Security and FEMA folks will address questions.
I am currently identifying a second location for meetings so that we can accommodate weekly meetings. Best, Steve
Vikings Visit PVT
From: lynn brenneman
Sent: Friday, July 18, 2008 2:04 PM
Subject: another posting
Hi Bob,Would it be possible to post the attached photo of Chris Baur-McGuire (825 Eastmoor Dr) and Eli Brenneman (821 Eastmoor Dr) with Minnesota Viking's owner Zygi Wilf, Chad Greenway and daughter, and cheerleaders Sarah and Lissa? I think we could all stand to see something positive. It was so kind of them to meet with two young men from the neighborhood. Thanks.Lynn
Sent: Friday, July 18, 2008 2:04 PM
Subject: another posting
Hi Bob,Would it be possible to post the attached photo of Chris Baur-McGuire (825 Eastmoor Dr) and Eli Brenneman (821 Eastmoor Dr) with Minnesota Viking's owner Zygi Wilf, Chad Greenway and daughter, and cheerleaders Sarah and Lissa? I think we could all stand to see something positive. It was so kind of them to meet with two young men from the neighborhood. Thanks.Lynn
Joe Bolkom - Recovery in Progress
From: joe@joebolkcom.orgTo: networker@qlaunch.comDate: Fri, 18 Jul 2008 08:58:28 -0600Subject: [Joe's Networker] [SPAM] Recovery in Progress
The Networker – July 18, 2008
Recovery in Progress - Rebuild Iowa Advisory Commission Meets
Volunteers Needed for Sandbag Removal Efforts Friday and Saturday
Iowa City - Coralville Men Appointed to Statewide Recovery Panel
Improving Energy Efficiency Interim Committee
Iowa Smokefree Air Act Public Comment Period
Celebrate Our Success – Wednesday, August 20
****************************************
Recovery in Progress - Rebuild Iowa Advisory Commission Meets
The Floods of 2008 have been devastating to so many Iowa families and communities. The floods affected 340 communities and 45,000 Iowans. The recovery is well underway. I have toured many of the areas and talked to many people impacted in Johnson and Linn counties.
Yesterday I attended the first meeting of the Rebuild Iowa Advisory Commission (RIAC) meeting to discuss the state’s recovery and rebuilding efforts following recent severe storms and flooding. The commission was established by Governor Chet Culver and Lt. Governor Patty Judge.
The 15-member, bipartisan commission has created nine task forces focused on specific issues that will develop further recommendations to support a strategic recovery and rebuilding process. The commission reports to Lt. Governor Patty Judge, who is executive director of the Rebuild Iowa Office (RIO). RIO will coordinate all state recovery activities.
The commission is expected to make an initial report back to the Governor and Legislature in the next 45 days. At that point I would expect a decision to be made on when a special legislative session might occur.
One of the commission’s initial tasks will be to appoint Iowans to the nine task forces that will address specific phases of the recovery and rebuilding process in the following areas:
Housing
Infrastructure and Transportation
Economic and Workforce Development
Public Health and Health Care
Agriculture and Environment
Flood Plain Management and Hazard Mitigation
Records Retention and Management
Cultural Heritage
Long-Term Recovery Planning
Education
These task forces will ensure that Iowans have a voice in the rebuilding efforts and will provide an important step in helping Iowans recover from historic and severe flooding. This is an opportunity to serve the state of Iowa in a time of need.
I visited with Lt. Governor Patty Judge yesterday during a break at the Rebuild Iowa Advisory Commission meeting.
The commission and the Governor’s Office would appreciate your assistance in finding additional candidates for the task forces. If you or someone you know has an interest in serving on a task force, please complete the application form at http://rebuild.iowa.gov/. before Friday, July 25. For additional information about the Rebuild Iowa Office and the commission, click on the following link http://rebuild.iowa.gov/.
A couple of my top priorities will be working to secure state support for property buy-outs as well as funding to assist with restoration of public infrastructure that was damaged in the floods.
****************************************
Volunteers Needed for Sandbag Removal Efforts Friday and Saturday
The United Way of Johnson County, the City of Iowa City, and AmeriCorps will coordinate a sandbag removal project in Parkview Terrace on Friday, July 18 and Saturday, July 19, from 8:00 a.m. to 3:00 p.m., and are requesting a large number of volunteers to help remove sandbags from the neighborhood.
Volunteers need to report to the corner of Normandy and Manor Drive to sign in and receive specific work assignments. Volunteers will be removing sandbags from the floodwall and will need to wear long pants, boots or sturdy closed-toe shoes, and work gloves. Personal air filters and masks are recommended. The City of Iowa City is providing trucks for hauling and disposal of the sandbags. Snacks and water will be provided.
For more information, please call the United Way of Johnson County Volunteer Center at 319-337-VOLS (8657).
****************************************
Iowa City - Coralville Men Appointed to Statewide Recovery Panel
The Culver-Judge Administration recently announced members of the Rebuild Iowa Advisory Commission. Among them are Iowa City residents Bill Bywater, president of Economy Advertising for TruArt Color Graphics, Bill Gerhard, president of the Iowa State Building and Construction Trades Council and Coralville Mayor Jim Fawcett.
The 15-member panel, representing a wide range of Iowans, will assess the impact of this year’s tornados and flooding, recommend initial steps for recovery, and develop a long-term vision for rebuilding. The Commission will be chaired by Adjutant General Ron Dardis of the Iowa National Guard.
Throughout the process, the group will work with citizens and stakeholders at all levels of the private sector and government. For the latest on recovery efforts, go to www.flood2008.iowa.gov.
****************************************
Improving Energy Efficiency Interim Committee
Iowa families have saved hundreds of millions of dollars thanks to the legislation that requires Iowa utilities to work with customers to improve energy efficiency. It’s now time to review this effort and see how we can improve it.
Over the next several months, I’ll be a part of the Efficiency Plans & Programs Study Committee, which will examine the energy efficiency plans and programs implemented by Iowa’s gas and electric public utilities. The cost of fuel is unlikely to go down so using energy more efficiently is our best bet.
****************************************
Iowa Smokefree Air Act Public Comment Period
On July 1 virtually all Iowa workplaces became smoke free. There will be a series of public comment periods around the state on the administrative rules that will implement this new law.
An ICN public comment meeting will take place in Iowa City on Wednesday, August 20, 9:30-11:30 am at the Iowa City Public Library, 123 South Linn Street, Meeting Room D.
All members of the public are welcome to attend.
****************************************
Celebrate Our Success – Wednesday, August 20
Thanks to the last two years of a Democratic majority in the Iowa Senate, I’m no longer spending most of my time fighting bad ideas. Here are a few of my favorite accomplishments over the past two sessions.
A statewide educational revival, starting with funding increases at all levels,
from pre-school to local schools to community colleges to our public universities.
The beginning of health care coverage for all Iowans, beginning with all Iowa kids within
three years.
The end of 300 percent interest car title loans in Iowa.
Basic civil rights for all, regardless of sexual orientation.
Please join me to celebrate these victories with a party at my home on Wednesday, August 20, 5:00 – 6:30 pm. We will also be raising money to strengthen the Democratic majority in the Iowa Senate, the majority that is successfully turning your ideas into law.
My special guest will be Senate President Jack Kibbie of Emmetsburg. He is a good friend of mine and one of the most progressive leaders in Iowa. Jack’s lifelong commitment to working families and to educational opportunity is another good reason to celebrate.
Everyone is welcome.
****************************************
How to Contact Me
Joe Bolkcom
728 2nd Avenue
Iowa City, IA 52245
319.337.6280
joe@joebolkcom.org
www.joebolkcom.org
www.iowasenatedemocrats.org
www.legis.state.ia.us
****************************************
About The Networker
The Networker provides brief summaries of some of the things that I am working on, work of the General Assembly, as well as political perspectives on issues. I also use it to announce meetings and share information about where to find useful information about state government. If you would like to be removed from this list, please let me know. If you know someone that might like to receive The Networker send her or him my way.
The Networker – July 18, 2008
Recovery in Progress - Rebuild Iowa Advisory Commission Meets
Volunteers Needed for Sandbag Removal Efforts Friday and Saturday
Iowa City - Coralville Men Appointed to Statewide Recovery Panel
Improving Energy Efficiency Interim Committee
Iowa Smokefree Air Act Public Comment Period
Celebrate Our Success – Wednesday, August 20
****************************************
Recovery in Progress - Rebuild Iowa Advisory Commission Meets
The Floods of 2008 have been devastating to so many Iowa families and communities. The floods affected 340 communities and 45,000 Iowans. The recovery is well underway. I have toured many of the areas and talked to many people impacted in Johnson and Linn counties.
Yesterday I attended the first meeting of the Rebuild Iowa Advisory Commission (RIAC) meeting to discuss the state’s recovery and rebuilding efforts following recent severe storms and flooding. The commission was established by Governor Chet Culver and Lt. Governor Patty Judge.
The 15-member, bipartisan commission has created nine task forces focused on specific issues that will develop further recommendations to support a strategic recovery and rebuilding process. The commission reports to Lt. Governor Patty Judge, who is executive director of the Rebuild Iowa Office (RIO). RIO will coordinate all state recovery activities.
The commission is expected to make an initial report back to the Governor and Legislature in the next 45 days. At that point I would expect a decision to be made on when a special legislative session might occur.
One of the commission’s initial tasks will be to appoint Iowans to the nine task forces that will address specific phases of the recovery and rebuilding process in the following areas:
Housing
Infrastructure and Transportation
Economic and Workforce Development
Public Health and Health Care
Agriculture and Environment
Flood Plain Management and Hazard Mitigation
Records Retention and Management
Cultural Heritage
Long-Term Recovery Planning
Education
These task forces will ensure that Iowans have a voice in the rebuilding efforts and will provide an important step in helping Iowans recover from historic and severe flooding. This is an opportunity to serve the state of Iowa in a time of need.
I visited with Lt. Governor Patty Judge yesterday during a break at the Rebuild Iowa Advisory Commission meeting.
The commission and the Governor’s Office would appreciate your assistance in finding additional candidates for the task forces. If you or someone you know has an interest in serving on a task force, please complete the application form at http://rebuild.iowa.gov/. before Friday, July 25. For additional information about the Rebuild Iowa Office and the commission, click on the following link http://rebuild.iowa.gov/.
A couple of my top priorities will be working to secure state support for property buy-outs as well as funding to assist with restoration of public infrastructure that was damaged in the floods.
****************************************
Volunteers Needed for Sandbag Removal Efforts Friday and Saturday
The United Way of Johnson County, the City of Iowa City, and AmeriCorps will coordinate a sandbag removal project in Parkview Terrace on Friday, July 18 and Saturday, July 19, from 8:00 a.m. to 3:00 p.m., and are requesting a large number of volunteers to help remove sandbags from the neighborhood.
Volunteers need to report to the corner of Normandy and Manor Drive to sign in and receive specific work assignments. Volunteers will be removing sandbags from the floodwall and will need to wear long pants, boots or sturdy closed-toe shoes, and work gloves. Personal air filters and masks are recommended. The City of Iowa City is providing trucks for hauling and disposal of the sandbags. Snacks and water will be provided.
For more information, please call the United Way of Johnson County Volunteer Center at 319-337-VOLS (8657).
****************************************
Iowa City - Coralville Men Appointed to Statewide Recovery Panel
The Culver-Judge Administration recently announced members of the Rebuild Iowa Advisory Commission. Among them are Iowa City residents Bill Bywater, president of Economy Advertising for TruArt Color Graphics, Bill Gerhard, president of the Iowa State Building and Construction Trades Council and Coralville Mayor Jim Fawcett.
The 15-member panel, representing a wide range of Iowans, will assess the impact of this year’s tornados and flooding, recommend initial steps for recovery, and develop a long-term vision for rebuilding. The Commission will be chaired by Adjutant General Ron Dardis of the Iowa National Guard.
Throughout the process, the group will work with citizens and stakeholders at all levels of the private sector and government. For the latest on recovery efforts, go to www.flood2008.iowa.gov.
****************************************
Improving Energy Efficiency Interim Committee
Iowa families have saved hundreds of millions of dollars thanks to the legislation that requires Iowa utilities to work with customers to improve energy efficiency. It’s now time to review this effort and see how we can improve it.
Over the next several months, I’ll be a part of the Efficiency Plans & Programs Study Committee, which will examine the energy efficiency plans and programs implemented by Iowa’s gas and electric public utilities. The cost of fuel is unlikely to go down so using energy more efficiently is our best bet.
****************************************
Iowa Smokefree Air Act Public Comment Period
On July 1 virtually all Iowa workplaces became smoke free. There will be a series of public comment periods around the state on the administrative rules that will implement this new law.
An ICN public comment meeting will take place in Iowa City on Wednesday, August 20, 9:30-11:30 am at the Iowa City Public Library, 123 South Linn Street, Meeting Room D.
All members of the public are welcome to attend.
****************************************
Celebrate Our Success – Wednesday, August 20
Thanks to the last two years of a Democratic majority in the Iowa Senate, I’m no longer spending most of my time fighting bad ideas. Here are a few of my favorite accomplishments over the past two sessions.
A statewide educational revival, starting with funding increases at all levels,
from pre-school to local schools to community colleges to our public universities.
The beginning of health care coverage for all Iowans, beginning with all Iowa kids within
three years.
The end of 300 percent interest car title loans in Iowa.
Basic civil rights for all, regardless of sexual orientation.
Please join me to celebrate these victories with a party at my home on Wednesday, August 20, 5:00 – 6:30 pm. We will also be raising money to strengthen the Democratic majority in the Iowa Senate, the majority that is successfully turning your ideas into law.
My special guest will be Senate President Jack Kibbie of Emmetsburg. He is a good friend of mine and one of the most progressive leaders in Iowa. Jack’s lifelong commitment to working families and to educational opportunity is another good reason to celebrate.
Everyone is welcome.
****************************************
How to Contact Me
Joe Bolkcom
728 2nd Avenue
Iowa City, IA 52245
319.337.6280
joe@joebolkcom.org
www.joebolkcom.org
www.iowasenatedemocrats.org
www.legis.state.ia.us
****************************************
About The Networker
The Networker provides brief summaries of some of the things that I am working on, work of the General Assembly, as well as political perspectives on issues. I also use it to announce meetings and share information about where to find useful information about state government. If you would like to be removed from this list, please let me know. If you know someone that might like to receive The Networker send her or him my way.
Little Village seeking thoughtful commentary
----- Original Message -----
From: Andrew Sherburne
Sent: Friday, July 18, 2008 9:08 AM
Subject: Re: councilman mike wright will walk thru neighborhood sunday about 2 pm and wants to talk to people
On a related note, if anyone would like to share their research or opinions on the flood situation, Little Village magazine is always looking for thoughtful commentary on important issues in Iowa City.
If you're interested in writing a piece (or ongoing commentary) for our print magazine or website, give me an email.
Thanks!
Andrew
--
--
Andrew Sherburne
Publisher
(319) 331-0791
Andrew@LittleVillageMag.com
--------------------------
Little Village
www.littlevillagemag.com
301 S. Dubuque St.
2nd Floor
Iowa City, IA 52240
From: Andrew Sherburne
Sent: Friday, July 18, 2008 9:08 AM
Subject: Re: councilman mike wright will walk thru neighborhood sunday about 2 pm and wants to talk to people
On a related note, if anyone would like to share their research or opinions on the flood situation, Little Village magazine is always looking for thoughtful commentary on important issues in Iowa City.
If you're interested in writing a piece (or ongoing commentary) for our print magazine or website, give me an email.
Thanks!
Andrew
--
--
Andrew Sherburne
Publisher
(319) 331-0791
Andrew@LittleVillageMag.com
--------------------------
Little Village
www.littlevillagemag.com
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Iowa City, IA 52240
Possible Council Visit to PVT
Three councilors have confirmed that they would like to tour PVT and entersome gutted homes as well. Regenia Bailey at 3:00 -- Saturday 7/19, Mike Wright at 2:00 pm on Sunday 7/20 and Amy on Monday 7/21 at 5:30pm.
Other thoughts
----- Original Message -----
From: "cliff pirnat"
Sent: Thursday, July 17, 2008 6:58 AM
Subject: can you forward this to others
> As we all ponder our situation and complain and also are thankful.
> Consider this, the government owes us nothing , except for the mistake
> of not lowering the reservoir. I am one of those with out insurance,
> shame on me.
> While my furnace was being replacedby Hellwig Electric I spoke with
> a young man Ryan who was doing the installation. He lives in Washington,
> IA and has a daughter 2 years old.. The child is at the University of
> Iowa with Leukemia. This family gets NO government assistance, has a
> good chance of losing everything he owns plus his daughter..
> Surely he would switch places with any of us.
>
> cliff pirnat
>
>
From: "cliff pirnat"
Sent: Thursday, July 17, 2008 6:58 AM
Subject: can you forward this to others
> As we all ponder our situation and complain and also are thankful.
> Consider this, the government owes us nothing , except for the mistake
> of not lowering the reservoir. I am one of those with out insurance,
> shame on me.
> While my furnace was being replacedby Hellwig Electric I spoke with
> a young man Ryan who was doing the installation. He lives in Washington,
> IA and has a daughter 2 years old.. The child is at the University of
> Iowa with Leukemia. This family gets NO government assistance, has a
> good chance of losing everything he owns plus his daughter..
> Surely he would switch places with any of us.
>
> cliff pirnat
>
>
DISASTER LEGAL SERVICES MANUAL
The Iowa State Bar Association
DISASTER LEGAL SERVICES MANUAL
A Resource for Iowans and Iowa Lawyers
This document was prepared with
resources submitted by
Volunteer Attorneys and Iowa Legal Aid
1
A special thanks to the following individuals and organizations that set aside other
equally important work to help draft this Manual under a short time frame.
Joe Basque, Iowa Legal Aid, Council Bluffs, IA
Steve Bishop, Iowa Legal Aid, Des Moines, IA
Tamara Borland, Iowa Legal Aid, Iowa City, IA
Wendy D. Boka, Hopkins & Huebner, P.C., Des Moines, IA
Rebecca Davis, DLA Piper US LLP, Phoenix, AZ
Tracy L. Deutmeyer, McGrath North Mullin & Kratz, PC LLO, Omaha, NE
Jessica Filippi, McGrath North Mullin & Kratz, PC LLO, Omaha, NE
Claire Gilchrist, Montreal, Quebec, Canada
Dennis Groenenboom, Iowa Legal Aid, Des Moines, IA
Allison Harvey, DLA Piper US LLP, Phoenix, AZ
Sara Greenwood Hektoen, City of Iowa City, Iowa City, IA
Gail Klearman, Iowa Legal Aid, Des Moines, IA
Rod Kleitsch, Iowa Legal Aid, Cedar Rapids, IA
Arlys Kness, Iowa Legal Aid, Des Moines, IA
Chris Luzzie, Iowa Legal Aid, Iowa City, IA
Fred Nelson, Iowa Legal Aid, Des Moines, IA
Elizabeth Norris, Iowa Legal Aid, Iowa City, IA
David Pendergast, DLA Piper US LLP, Phoenix, AZ
Charles Pierce, Iowa Legal Aid, Cedar Rapids, IA
Nancy Thompson, Iowa Legal Aid, Des Moines, IA
Brooke Timmer, Fiedler & Newkirk, P.L.C., Urbandale, IA
Brett Toresdahl, ISBA Public Service Project, Des Moines, IA
Gary Shullaw, DLA Piper US LLP, Phoenix, AZ
Jessman Smith, Frank Smith Law Office, Des Moines, IA
2
TABLE OF CONTENTS
A. FEMA ASSISTANCE............................................................................................................................................4
B. HOUSING ISSUES.............................................................................................................................................19
C. EMPLOYER/EMPLOYEE ISSUES ...................................................................................................................29
D. SOCIAL SECURITY, BANKING, AND FINANCIAL ISSUES ........................................................................36
E. CONSUMER PROTECTION ISSUES ..............................................................................................................39
F. INSURANCE ISSUES ........................................................................................................................................46
G. WILLS AND ESTATES......................................................................................................................................52
H. HEALTH CARE ISSUES....................................................................................................................................58
I. PERSONAL BANKRUPTCY ISSUES...............................................................................................................64
J. REPLACING LOST DOCUMENTS....................................................................................................................67
K. RESOURCE AND REFERRAL GUIDE ............................................................................................................71
3
INTRODUCTION
This Manual was prepared to assist Iowans who were or may be affected by
weather-related disasters. This Manual also was prepared to assist Iowa lawyers
whose clients may be facing legal issues that are new to the lawyers or unique to
disasters. This Manual also was designed to assist and train those volunteer lawyers
who have graciously agreed to help disaster victims through hotline or on-site
assistance.
The following series of short questions and answers were developed by the ISBA
and Iowa Legal Aid, as well as bar associations or legal services organizations in other
states based on their experiences helping disaster victims after Hurricane Katrina.
The answers are general. Therefore, Iowans should consult an attorney to obtain
advice and counsel specific to the facts and circumstances of their case. Lawyers
should consult the local rules and the Iowa statutes to thoroughly analyze the specific
legal issues facing their clients or the victims that they are assisting on a volunteer
basis.
4
A. FEMA ASSISTANCE
When the President of the United States declares a “major disaster” anywhere in
the United States or its territories, federal assistance is made available to supplement
the efforts and resources of state and local governments and voluntary relief
organizations pursuant to the Robert T. Stafford Disaster Relief and Emergency
Assistance Act, as amended 42 U.S.C. 5121, et seq.
In Iowa, many counties were declared major disaster areas during the summer of
2008. FEMA identified that disaster as DR-1763. For an up-to-date listing of those
counties, check www.fema.gov.
Individuals, families and businesses in these counties may be eligible for federal
assistance if they live, own a business, or work in a county declared a Major Disaster
Area. Help may also be available to those who have incurred sufficient property damage
or loss and do not have insurance or other resources to meet their needs. The most
important thing a disaster victim must do to obtain FEMA assistance is to register with
FEMA. To apply for Assistance for Individuals and Households, individuals should
register with FEMA toll-free at 1-800-621-FEMA (3362) (TTY: 1-800-462-7585) or at
fema.gov. As of July 14, 2008, the deadline to apply for FEMA benefits for DR-1763 is
September 29, 2008. This deadline recently changed; contact FEMA to confirm the
deadline as it may change again.
Disaster victims should read FEMA publication entitled “Help after a Disaster –
Applicant’s Guide to the Individuals and Housing Program,” which includes information
about what type of assistance is available, who is eligible, the process for obtaining
assistance, and frequently asked questions. The publication can be downloaded at:
http://www.fema.gov/assistance/process/guide.shtm.
However, not everyone who has suffered in the disasters of 2008 is entitled to
FEMA assistance. FEMA has established a policy for preventing and for rectifying
duplication of benefits under 44 CFR 206.91. FEMA’s duplication of benefits policy
includes the concept of sequence of delivery which establishes the order in which the
major forms of assistance should be provided. The agency that has the primary
responsibility for delivering a certain type of assistance should provide that assistance
first, and may do so without regard to other agencies with similar assistance that are
lower in the sequence. Agencies are not prohibited from disrupting the sequence of
delivery when it serves to expedite the recovery of an applicant. However, the agency
that disrupts the sequence of delivery must take corrective action.
The sequence of delivery for major forms of assistance is as follows:
1. Voluntary organizations – Those that provide emergency assistance in
the form of food, clothing, shelter, medical, and transportation needs.
2. Private insurance benefits – Insured applicants must file a claim with
their insurance company before receiving federal assistance. They
may be eligible to receive disaster assistance if they have insufficient
5
coverage or have items not covered by their insurance policy.
3. Temporary Housing Assistance – FEMA funds and administers the
Temporary Housing program, which is designed to provide disaster
applicants with a grant for their housing needs. There are five forms of
temporary housing, including (a) Lodging expense reimbursement for
the cost of short-term lodging such as hotel rooms (food,
transportation, telephone, separately billed utilities and other services
not eligible for reimbursement); (b) Minimal repairs assistance to help
those immediate emergency repairs to live in the residence while
permanent repairs are being made (not intended to address all damage
or restore home to pre-disaster condition); (c) Rental assistance –
eligible applicants will receive financial assistance to rent a dwelling for
the pre-disaster household to live for up to 18 months based on need
(FEMA may provide a list of available rental properties as well); (d)
Manufactured housing – when rental properties are unavailable, FEMA
may provide in-kind assistance in form of trailers, manufactured homes
or other readily fabricated dwellings for use as temporary housing for
up to 18 months subject to recertification of continuing eligibility
(applicants receiving in-kind assistance are not eligible for financial
assistance); and (e) Mortgage and Rental Assistance provides a
means to keep people who have suffered a substantial change in
household income in their homes by assisting with their mortgage or
rental payments and preventing foreclosures or evictions. The
application period is up to 6 months after the date of declaration and
the assistance is available for up to 18 months based on need.
4. Small Business Administration (SBA) – SBA provides low interest, longterm
disaster loans for individuals to repair/replace real and personal
property for non-farm businesses. If SBA determines that an applicant
is ineligible for an SBA loan or if the loan amount is insufficient, SBA
refers the applicant to FEMA for additional consideration. Borrowers
are required to maintain appropriate hazard and flood insurance, where
required. SBA can only approve a loan to an applicant with a
reasonable ability to repay the loan.
5. Disaster Reimbursement Grant Program – This program, also called
the “State Individual Assistance Program,” is administered by the State
of Iowa to provide funds to disaster victims to assist them in meeting
disaster-related expenses for which assistance from other means is
either insufficient or unavailable. Duplicate benefits must be repaid to
the State of Iowa.
6. Voluntary Organizations – Those that provide assistance during
recovery as well as during immediate emergency response. This
includes national and local groups.
7. Cora C. Brown Fund – This fund, named after Cora Brown who died in
1979 and bequeathed part of her estate to the federal government to
be used solely for human suffering caused by natural disasters, is used
6
for disaster victims who have exhausted all avenues of assistance, but
who still have unmet needs. FEMA uses these funds under the
authority of 42 U.S.C. 5201(b) of the Stafford Act and 44 CFR 206.181.
Other forms of individual assistance programs include:
• Disaster Unemployment Assistance (DUA) – DUA provides financial
help and employment services to people who are otherwise ineligible
for regular state unemployment compensation. DUA provides help for
workers and those who are self-employed if they become unemployed
as a direct result of a declared major disaster. DUA is funded 100% by
FEMA and administered by Iowa Workforce Development. More
information can be obtained from
http://www.iowaworkforce.org/ui/dua.htm.
• Crisis Counseling - Funds are provided by FEMA as a grant to state
and local mental health agencies to provide crisis counseling to help
relieve grieving, stress, or mental health problems resulting from the
disaster or its aftermath. Disaster victims can call Iowa Concern for
crisis counseling. Contact information for Iowa Concern is (800) 447-
1985 or
http://www.extension.iastate.edu/iowaconcern/crisis.html.
Disaster counseling may also be available through the local community
mental health agency. The National Center for Mental Health call
center can be reached weekdays from 8:30 a.m. to 5:00 p.m. Eastern
time at (800) 789-2647 (toll-free) (866) 889-2647 (tdd).
Services provided include screening, diagnostic testing, counseling,
and outreach services such as disseminating public information and
community networking. Two types of programs are offered through
CC: (a) Immediate services to help state and local agencies to
respond to immediate mental health needs of a victim of a disaster -
this funding is provided for up to 60 days post disaster declaration; and
(b) Regular services designed to provide up to 9 months of services to
victims of a disaster. (Other national, state, and local voluntary
agencies have similar programs and coordinate with the Center for
Mental Health Services to reduce or eliminate duplication of efforts).
Applying for FEMA Assistance
Q.1 How do I apply for disaster help?
If you live in a disaster area declared by the President and need disaster help call
1-800-621-FEMA (3362) (hearing/speech impaired ONLY—Call TTY: 1-800-462-7585) or
apply on line at www.FEMA.gov. Click on “Online Individual Assistance Center” and the
screens will prompt you through the process. If you get a busy signal when you call the
800 number try calling in the evening after 6:00 p.m. or on the weekends when fewer
people are trying to call.
7
When you apply you should have a pen and paper available to write down
important phone contacts. You will need your social security number, current and predisaster
address, phone numbers, type of insurance coverage, total household annual
income, and a routing and account number from your bank if you want to have disaster
assistance funds transferred directly into your bank account.
Q.2 What happens after I apply for disaster assistance?
FEMA will mail you a copy of your application and a copy of “Help After a
Disaster: Applicant’s Guide to the Individuals and Households Program” that will answer
many of your questions.
• If your home or its contents are damaged and you do not have insurance,
an inspector should contact you within 10 days after you apply to schedule
a time to meet you at your damaged home.
• If your home or its contents were damaged and you have insurance, you
need to work through your insurance claim first and provide FEMA with a
decision letter (settlement or denial) from your insurance company before
FEMA issues an inspection. ***There is an exception for damages caused
by flooding; if you have flood insurance, FEMA will issue an inspection
before receiving a copy of your flood insurance decision letter to evaluate
your eligibility for temporary living expenses because temporary living
expenses are not covered by flood insurance.
• About 10 days after the inspection FEMA will decide if you qualify for
assistance. If you qualify for a grant, FEMA will send you a check by mail
or deposit it in your bank account. FEMA will also send you a letter
describing how you are to use the money (for example: repairs to your
home or to rent another house while you make repairs).
• If FEMA decides that you do not qualify for a grant, FEMA will send you a
letter explaining why you were turned down and give you a chance to
appeal the decision. Appeals must be in writing and mailed within 60 days
of FEMA’s decision.
• If you get a SBA Disaster Loan application in the mail, you must complete
and return the application to be considered for a loan as well as certain
types of grant assistance. SBA representatives are available at Disaster
Recovery Centers to help you with the application. If the SBA finds that
you cannot afford a loan, they will automatically refer you to FEMA’s
Individual and Household grant program for help.
• If the SBA approves you for a loan, they will contact you.
• If the SBA finds that you cannot afford a loan, FEMA will contact you.
8
Q.3 Two weeks ago I mailed in documents FEMA had asked for. When I called
the Helpline, the service representative said the documents were not in my file. What
should I do?
Please be sure to keep your phone number and mailing address current in
FEMA’s records. FEMA has implemented new technology to help inform you that they
have received your documents. You will be contacted via a recorded message informing
you that FEMA has received your documents. FEMA advises that you please be patient
and wait to receive the recorded message rather than calling the FEMA Helpline number
and/or re-mailing or re-faxing the documentation since the automated message will
contact you just as soon as your documents have been placed in your file. You can also
check if documents have been received using the Online Individual Assistance Center.
Please remember that when you mail or fax documents to FEMA, it is very
important to include your name, your social security number, the disaster number and
your registration ID number on all paperwork. This will speed handling and assure that
the documents are placed in the correct file. The numbers can be found on the cover
page that is included with all FEMA correspondence in the upper left hand corner of any
letter FEMA sends you.
Q.4 The letter from FEMA said I had no damages or insufficient damages, but
my home was damaged and some of my personal property was damaged too. What do I
do?
You may appeal any decision. When you appeal a decision, you are asking
FEMA to review your case again. Appeals may relate to your eligibility, the amount or
type of help you received, late applications or requests to return money. You will not
automatically get another inspection just because you appeal. For additional information
on the appeal process, please refer to page 10 of your Applicant’s Guide or click on
http://www.fema.gov/about/process/.
Q.5 How long does it take to get help from FEMA?
If you have damage to your home or its contents and you are uninsured or you
have suffered damage due to a flood, a FEMA inspector will contact you within 14 days
of applying, to set up an appointment to assess your disaster damages. Typically, within
about 10 days after the inspection, if FEMA determines that you qualify for help, you will
receive a direct deposit in your bank account or a check in the mail.
Q.6 I received my check for rental assistance, but there are no places to rent.
If you are eligible for housing assistance from FEMA but are unable to find a
rental house or apartment within a reasonable commuting distance of your damaged
home, please contact FEMA at 1-800-621-FEMA (3362) or visit a nearby Disaster
Recovery Center. FEMA will evaluate your situation and, if appropriate, may authorize a
travel trailer or mobile home.
9
Q.7 What should I do if I didn’t receive enough money from FEMA to meet all
my needs?
Most disaster aid programs are intended to meet only essential needs and are
not intended to cover all your losses. Also, some people qualify for assistance from
more than one program and may receive additional help from another agency. For
example, the Small Business Administration is a very important source of funding for
repair and replacement of real and personal property. If you received a loan application
packet from the SBA, please complete and return the application as soon as possible.
No work can begin on the loan until you submit your application. If you do not agree with
FEMA’s decision, you may appeal the decision. To file an appeal, follow the appeals
process that is explained in the letter FEMA sent with the grant.
Q.8 I know of others in my neighborhood, city or state who received help from
FEMA, however I was told I have insufficient damages. Does FEMA use the same
criteria when considering damages for everyone?
FEMA reviews each applicant’s case individually and applies the same eligibility
criteria. If you were determined to be ineligible because of insufficient damages and you
feel this finding is incorrect, you have a right to file an appeal.
Q.9 I have a new telephone number. How do I update my application?
Some information, such as current phone number, mailing address, or insurance
policy number, can be updated through FEMA's on-line Individual Assistance Center -
Account Access, available on the FEMA.gov web-site. To update other file information
you will need to call the FEMA Disaster Helpline at 1-800-621-FEMA (3362)
(hearing/speech impaired ONLY—call TTY: 1-800-462-7585), visit a Disaster Recovery
Center, or write to FEMA at the address provided on any correspondence you have
received.
Q.10 What are FEMA’s citizenship/immigration requirements?
You must be a U.S. citizen, non-citizen national, or a qualified alien to qualify for
a grant from FEMA’s Individuals and Households Program. However, undocumented
individuals can apply on behalf of their minor child who is a citizen and has a social
security number. FEMA can provide information on how to obtain a social security
number for a minor child. The minor child must live with the parent/guardian applying on
his/her behalf.
The undocumented individual does not have to be a U.S. citizen, non-citizen
national or a qualified alien for crisis counseling, disaster legal services or other shortterm,
non-cash emergency assistance. Voluntary agencies provide help regardless of
immigration status.
10
Q.11 Are aliens eligible for disaster assistance? Who is eligible for disaster
assistance?
To be eligible for cash assistance from FEMA you must be a qualified alien. A
qualified alien generally includes individuals who are lawful permanent residents
(possessing an alien registration receipt card) or those with legal status due to asylum,
refugee, parole (admission into the U.S. for humanitarian purposes), withholding of
deportation, or domestic violence. Applicants should consult an immigration expert
concerning whether or not their immigration status falls within the qualified alien
category.
Disaster Recovery Centers
Q.12 What is a Disaster Recovery Center and what services do they provide?
A Disaster Recovery Center (DRC) is a readily accessible facility or mobile office
where applicants may go for information about FEMA or other disaster assistance
programs, or for questions related to your case. NOTE: You can register for assistance
at a DRC or use the Online Individual Assistance Center or by calling 1-800-621-FEMA
(3362) (hearing/speech impaired ONLY-Call TTY: 1-800-462-7585).
Q.13 Some of the services that a DRC may provide:
• Guidance regarding disaster recovery
• Clarification of any written correspondence received
• Housing Assistance and Rental Resource information
• Answers to questions, resolution to problems and referrals to agencies
that may provide further assistance
• Status of applications being processed by FEMA.
• SBA program information if there is a SBA Representative at the
Disaster Recovery Center site.
Employment Issues
Q.14 I lost my job because of the disaster and am unable to make my mortgage
(or rent) payments. Will FEMA make payments until I can return to work?
No. FEMA is not authorized to make such payments. If you lost work because of
the disaster, you may qualify for Disaster Unemployment Assistance (DUA). For more
information and directions on how to apply for DUA, check out the Web site of Iowa
Workforce Development at www.iowaworkforce.org, call your local Workforce
Development Center, or call 800-JOB-IOWA (for deaf or hard of hearing, use Relay
711). The DUA program covers most people affected by a disaster, including many who
do not normally qualify for regular unemployment aid. Also, be sure to speak to your
lender or landlord and explain your circumstances. Special arrangements can often be
made.
11
Q.15 I have not been able to work since the disaster hit. My employer says that
I still have a job, but I am not drawing a paycheck. Does FEMA pay for lost wages?
If you lost work because of the disaster you may qualify for Disaster
Unemployment Assistance (DUA). For more information and directions on how to apply
for DUA, check out the Web site of Iowa Workforce Development at
www.iowaworkforce.org, call your local Workforce Development Center, or call 800-
JOB-IOWA (for deaf or hard of hearing, use Relay 711).
Farm / Agricultural Damages
Q.16 I had damages to my farm or ranch. Can FEMA help me?
If you sustained damages to your home or personal property, you should apply
with FEMA for assistance. If you had damages to your crops, livestock, farm equipment,
barns, dairy, etc., you should contact your local Farm Services Agency office to inquire
about the USDA's disaster assistance program.
Inspections
Q.17 The inspector told me I was going to get money from FEMA. However, I
got a letter from FEMA stating that I was not eligible. Which is correct?
The letter is correct. The inspectors are FEMA contractors and are not authorized
to comment on eligibility matters.
Q.18 What will FEMA accept as proof that I occupied my home?
There are several documents that may be used to prove occupancy. They
include but are not limited to a utility bill for the damaged dwelling you are occupying; a
merchant’s statement sent to the damaged dwelling; an employer’s pay statement sent
to the damaged dwelling, or a current driver’s license showing the address of the
damaged dwelling.
Q.19 What will FEMA accept as proof that I own my home?
There are several documents that may be used to prove ownership. They include
but are not limited to the deed, deed of trust, mortgage payment book or other mortgage
documents, real property insurance policy, tax receipts; or property tax bill. The
document must list you as the legal owner along with the damaged dwelling address.
Q.20 How do I contact the inspector if my inspector called me and I missed the
call?
The FEMA inspectors are out on inspections most days and cannot be reached
while they are inspecting a home. You should wait for the FEMA Inspector to call you
again. The FEMA inspectors will try to call you 3 times to arrange an appointment to
inspect your property. Inspectors will call your current phone contact and alternate if you
12
have given one. If any of your contact information has changed call the Helpline to
update the information.
Insurance
Q.21 I have insurance and filed a claim with my insurance agent, but I don’t
have a place to live. Is there any help for me?
FEMA cannot duplicate assistance from your insurance company. If you still have
serious unmet needs after receiving your insurance settlement, FEMA may be able to
provide assistance. If you are unable to locate a place to rent, you can visit a local
Disaster Recovery Center (DRC) or call FEMA’s Helpline at 1-800-621-FEMA (3362) to
get the list of rental resources in your area.
Q.22 I have received a settlement from my insurance company and it is not
enough to cover my losses. What should I do now?
FEMA recommends the following: Read over your settlement documents
carefully and be sure you understand your policy. If you believe a mistake has been
made, contact your insurance agent. If you are still not satisfied, your agent can tell you
how to contest the settlement. Next, call FEMA at 1-800-621-FEMA. FEMA and other
agencies may be able to help cover those losses that are uninsured and otherwise
eligible.
Q.23 Are insurance deductibles covered under FEMA’s programs?
FEMA does not cover insurance deductibles. If your insurance settlement does
not meet your disaster related need you may be eligible for assistance from FEMA.
Q.24 What documents does FEMA want from my insurance company?
If you apply for help from FEMA because your insurance does not cover all of
your disaster related needs, you need to write a letter to FEMA explaining your situation
and include a copy of a settlement or denial letter from your insurance company. FEMA
cannot duplicate any insurance coverage.
Q.25 Do I have to file a claim with my insurance company since I have to pay a
deductible? Why can’t FEMA just help me?
FEMA cannot give you money for items that your insurance covers (this would be
considered a duplication of benefits), but we may be able to help with uncompensated
losses or unmet needs not covered by your insurance company. If you have not already
contacted your insurance agent to file a claim, please do this as soon as possible. If you
do not file a claim with your insurance company, FEMA help may be limited.
13
Q.26 My insurance company told me it would be weeks before they come to see
my damages. Can FEMA help?
If a decision on your insurance settlement has been delayed longer than 30 days
from the time you filed the claim, you may be eligible for an insurance advancement
from FEMA. These funds are considered a loan and must be repaid to FEMA once you
receive your settlement from your insurance company. Contact FEMA if your insurance
settlement is delayed. FEMA will send you a Request for Advancement and Signature
letter. You must complete and return this letter before FEMA can evaluate your request
for assistance.
Late Registration
Q.27 I had extenuating circumstances that prevented me from applying for
assistance before the registration filing deadline. I have damages from the disaster,
what can I do?
You may make a late registration within 60 days after the filing deadline. A letter
will be sent stating you are not eligible for consideration for disaster assistance under
the Individuals and Households program. The letter will contain information on how you
can appeal this decision if you had extenuating circumstances that kept you from filing
during the open registration period.
Returning Funds
Q.28 I need to return a check or pay money back to FEMA. Where do I send it?
Treasury Checks: If you have not cashed the Treasury Check and wish to return
it, or you have been advised in an official letter from FEMA to return the check, mail it to
the Department of Treasury, P.O. Box 149058, Austin, TX 78714-9058.
Personal Checks/Cashiers Checks/Money Orders: All routine checks or money
order payments made payable to the Federal Emergency Management Agency (or
FEMA) should be sent to:
FEMA, P.O. Box 70941, Charlotte, NC 28272-0941
For overnight payments using couriers (i.e., DHL, FedEX), the address is:
FEMA, QLP Wholesale Lockbox - NC0810, Lockbox #70941, 1525 West WT
Harris Blvd, Charlotte, NC 28262. Do NOT send cash.
State Checks: If you have received a check from your State for your damaged
personal property and wish to return the check or have been advised in a letter to return
the funds, you will need to mail the check / payment back to the state. The address will
be listed on the letter that accompanied your check.
14
Road and Bridge Damages
Q.29 My home is not damaged, however a public road and/or bridge has been
damaged and is preventing access to my home. Can FEMA help me?
Yes. If damages to a public road or bridge prevents or restricts you from
accessing your home, FEMA may be able to provide assistance.
Q.30 If I own the bridge and/or road that is damaged, should I apply for
assistance?
Yes, if the private road or bridge damage prevents or restricts access to your
home, FEMA may be able to provide assistance.
Q.31 What if I share ownership and responsibility for the road and/or bridge with
other families, do they all need to register?
All households who share in the responsibility of maintaining the private road
and/or bridge should be encouraged to register, particularly if the damages prevent or
restrict access to their homes.
Small Business Administration (SBA)
Q.32 Why am I being referred to the SBA?
The Small Business Administration (SBA) is the primary source of federal funds
for long-term recovery assistance for disaster victims. The SBA has low-interest disaster
loans for homeowners, renters and non-farm businesses to cover disaster damage to
real and personal property.
Q.33 Does the SBA make loans to individuals or just businesses?
The SBA can loan money to homeowners, renters, and business owners.
Homeowners may borrow up to $200,000 for disaster related home repairs.
Homeowners and renters may borrow up to $40,000 to replace disaster-damaged
personal property including vehicles. The SBA may not duplicate benefits from your
insurance or FEMA. You may receive an SBA referral when you apply with FEMA.
Q.34 How do I reach the SBA Hotline?
The SBA has loan officers in the Disaster Recovery Centers to provide face-toface
service to disaster victims. You may visit the SBA at any of these locations without
an appointment. A SBA representative will be glad to answer questions and help
complete your application. To find out where the SBA disaster offices are located an
applicant can call the SBA toll-free at 1-800-659-2955.
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Travel Trailer/Mobile Home
Q.35 How do I Get a Travel Trailer or a Mobile Home?
If you are eligible for housing assistance from FEMA but are unable to find a
rental house or apartment within a reasonable commuting distance of your damaged
home, please contact FEMA at 1-800-621-FEMA (3362) or visit a nearby Disaster
Recovery Center. FEMA will evaluate your situation and, if appropriate, may authorize a
travel trailer or mobile home.
Q.36 How long can I use the travel trailer/mobile home?
If FEMA provides you with a travel trailer or mobile home you may be able to use
it for up to 18 months from the date of declaration if you continue to have a disaster
related housing need.
Q.37 My family is too large for a travel trailer/mobile home. What do we do?
FEMA can provide more than one travel trailer for a family if necessary.
Q.38 Can I have a ramp built for a travel trailer/mobile home?
When FEMA makes our initial assessment of your site to decide if it is possible to
place a travel trailer/mobile home at your home, we include any requirements for ramps.
If you did not receive a ramp and require one, call the FEMA Helpline at 1-800-621-
FEMA (3362). A helpline representative will ensure that someone will get back in
contact with you.
Q.39 A storm damaged the Travel Trailer that FEMA provided me. What should
I do?
Contact the maintenance number provided when you were leased into your unit.
If you do not have the number, call the FEMA Helpline at 1-800-621-FEMA (3362). A
helpline representative will ensure that someone will get back in contact with you.
General Questions
Q.40 After the storm the gas station up the street was charging $6.00 a gallon
for gas. Isn’t that price gouging?
If you find price gouging, contact the Consumer Protection Division of the Iowa
Attorney General’s Office at 1-888-777-4590.
Q.41 When funds are provided for disaster assistance in other countries, does
this affect the amount of money that is available for my state?
No. If Federal disaster assistance is designated for your area, the disaster relief
funds for your state will not be affected by any funds provided for international relief
efforts.
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Q.42 My vacation/secondary home was damaged. Can I get any help?
Damages to a secondary or vacation home are not eligible under FEMA’s
disaster assistance program. However, if you own a secondary home that is rented out
or occupied by a family member, you may be eligible for assistance from the Small
Business Administration.
Q.43 Will FEMA help me pay my utility bills?
No, FEMA cannot pay utility bills. However, local charitable organizations may be
able to help for a short period. We suggest you contact the Red Cross or your local
United Way office for a referral to a local agency that may be able to help.
Q.44 I lost my food because of the power outage; will I be reimbursed for it?
FEMA’s disaster assistance program does not cover food losses. Voluntary
organizations in the disaster area may be able to help you with a hot meal or other
immediate needs for food.
Emergency Food Assistance (formerly known as food stamps)
The USDA through the Food & Nutrition Service (FNS) works with state and local
governments during a disaster to provide access to food for those affected by the
disaster. In addition to distributing commodities to the disaster sites, to individuals, and
families affected by the disaster, the USDA has rules for a Disaster Food Stamp
Program. In Iowa, the term “food stamps” has been replaced by food assistance.
Electronic Benefit Transfer Cards (EBT) are used instead of food stamps. The program
is run by the Iowa Department of Human Services.
The Disaster Food Assistance Program provides replacement benefits as food
assistance for households that lose food and also extends benefits to many people who
would not ordinarily be eligible for food assistance (formerly called food stamps). If a
person needs food assistance they should contact their FEMA site or their local
Department of Human Services (DHS) office. If their EBT card has been destroyed,
lost, or stolen they should contact their local DHS office right away.
Below is information from the Iowa Department of Human Services website
concerning the Disaster Food Assistance Program. Go to:
www.dhs.state.ia.us/index.html and then to “Storm Help”.
Residents of counties that have been declared disaster areas in a presidential
disaster declaration may be eligible for the Disaster Food Assistance Program. There is
a special application for the Disaster Food Assistance program and applications are only
accepted for a limited time. Applications will be taken at the FEMA Disaster Recovery
Centers as they are set up, or residents may contact their local DHS offices to apply.
Note that some people who would not qualify for Food Assistance under the regular
rules may qualify for Disaster Food Assistance. All households affected by the disaster
are encouraged to apply.
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If you currently receive Food Assistance you may qualify for Disaster Food
Assistance benefits in addition to what you have already received.
To qualify a household must, because of the disaster, have experienced at least
one of the following:
• Loss of food;
• Damage to, or destruction of the household's home;
• Damage to, or destruction of a household member's self-employment
business;
• Disaster-related expenses not expected to be reimbursed during the
disaster period;
• Loss or inaccessibility of income.
If you live anywhere in Iowa and currently receive Food Assistance you can apply
for assistance to replace destroyed or spoiled food. To apply, complete a Request for
Replacement of Spoiled Food application and bring or mail it to your county’s DHS
Office. If you are unable to get to your local office you should call 1-877-YES-FOOD (1-
877-937-3663) to apply.
Additional Resources:
The USDA Food and Nutrition Services.
http://www.fns.usda.gov/disasters/response/midwest.htm
According to this website: All Iowa grocers that are licensed to accept food stamp
benefits (food assistance benefits) may sell hot foods to food stamp clients until July 31,
2008.
Food Research and Action Center (FRAC).
http://www.frac.org/
In addition to more information on federal food programs, this website contains
“An Advocate’s Guide to the Disaster Food Stamp Program.”
Q.45 I have trees down all over my yard, is there any help for debris removal?
Many homeowners’ insurance policies cover debris removal. FEMA does not
typically pay for cleaning up debris on private property or in gated communities, but if
the debris is keeping you or emergency workers from safely getting to your home, FEMA
may be able to provide help. Your local officials can also tell you if there is a pickup
schedule for debris in your area.
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Q.46 I purchased a generator. Will I be reimbursed?
FEMA reviews requests for reimbursement of the cost of a generator on a caseby-
case basis and determines if a generator was purchased to overcome a disasterrelated
hardship, injury, or adverse condition. You should register and submit your
receipts to see if the cost is covered.
Q.47 Does disaster help have to be repaid?
A grant from the Individual and Households Program does not have to be repaid.
Loans from the Small Business Administration must be repaid.
Q.48 FEMA told me to send in my receipts. What is the mailing address?
Please mail all correspondences to the following address:
Mail: FEMA – Individual and Households Program National Processing Service
Center, P.O. Box 10055, Hyattsville, MD 20782-7055 -OR- Fax it to: 1-800-827-
8112.
Please write your name, social security number, disaster number and registration
number on all pages of your document and keep a copy for your own records.
Q.49 I got a check from FEMA. What can I use the money for?
FEMA sends you money to meet your housing and personal property needs
related to the disaster. You will receive a letter from FEMA telling you what the money
covers. Be sure to read the “Help After a Disaster: Applicant’s Guide to the Individuals
and Households Program” included with your letter, for additional information.
Q.50 Can I get more information about disaster assistance on the Internet?
Yes. The best place to start is at www.fema.gov/about/process. There you can
download a booklet called “Help After a Disaster: Applicant’s Guide to the Individuals
and Households Program.” If you have already applied to FEMA, you should have
received the same booklet in the mail. This is a very useful publication that explains how
FEMA’s disaster assistance program works; describes additional kinds of help you may
qualify for from other federal, state and voluntary agencies; and gives you many
important tips on how to best make all these programs work for you.
Q.51 I have a lot of damage but I received a letter from FEMA stating I am
getting “$0” ... How come?
Please read the entire letter and pp 7-9 of the “Applicant’s Guide,” which was
mailed to you after you applied. This book explains the reasons for denial. The most
common reasons for denial letters are because you have insurance to cover the loss or
because your property is a secondary or vacation home. If you have received your
insurance settlement and it does not cover all of your necessary expenses and serious
needs, please contact FEMA at 1-800-621-FEMA (3362).
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B. HOUSING ISSUES
Landlord/Tenant
Q.1 May I Terminate My Lease Because of the Disaster?
If the dwelling unit or premises are “damaged or destroyed” as a result of a
disaster, to an extent that enjoyment of the dwelling unit is “substantially impaired,” the
lease can be terminated. Iowa Code § 562A.25(1). The tenant may immediately vacate
the unit and must notify the landlord in writing within fourteen days of the tenant’s
intention to terminate the rental agreement. Iowa Code § 562A.25(1)(a). Upon
termination, the tenant is entitled to a refund of any security deposit (less lawful
deductions), plus a pro rata refund of any prepaid rent from the date of the casualty.
Iowa Code § 562A.25(2). The landlord must refund the security deposit and/or provide
a statement of any lawful deductions from the deposit within one month after the tenant
moves out. Iowa Code § 562A.12. The tenant shall furnish the landlord a forwarding
address at the termination of the lease, to which such statements may be sent. Id. If
the lease is lawfully terminated because it is totally or partially destroyed, the landlord
cannot prevent the tenant from retrieving the tenant’s personal property in the dwelling.
If the dwelling is partially destroyed or damaged (or its use is otherwise
substantially impaired) because of a disaster, the tenant may elect, if continued
occupancy is lawful, to vacate part of the dwelling. Iowa Code § 562A.25(1)(b). The
tenant’s liability for rent is reduced in proportion to the diminished fair market rental
value of the home, post disaster. Id.
NOTE: At common law, accidental destruction of the leased premises does not
release the lessee from an express covenant to pay rent unless he has stipulated in the
lease for a cessation of the rent. See Harris v. Heackman, 17 N.W. 592 (Iowa)(1883);
C.J.S., Landlord and Tenant § 486.
It would seem that this rule does not apply where the destruction of the premises
is of the entire subject matter of the lease, so that nothing remains capable of being held
and enjoyed, as where a room or apartment or a building without land is leased and
destroyed. See C.J.S., Landlord and Tenant § 486(b). Sometimes it can become a
question of fact as to whether the property has become untenantable. See Benson v.
Iowa Bake-Rite Co., 221 N.W. 464 (Iowa)(1928); Woodbury Co. v. Williams Tackaberry
Co., 148 N.W. 639 (Iowa) (1914). Mere deterioration is not the same as destruction.
See Gamble-Robinson Co. v. Buzzard, 65 F.2d 950 (8th Cir.1933).
Q.2 If the premises are totally unusable because of the disaster, do I have to
permanently move out even though I want to stay?
If the dwelling is partially destroyed or damaged (or its use is otherwise
substantially impaired) because of a disaster, the tenant may elect, if continued
occupancy is lawful, to vacate part of the dwelling. Iowa Code § 562A.25(1)(b). The
tenant’s liability for rent is reduced in proportion to the diminished fair market rental
value of the home, post disaster. Id.
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Most landlords should be willing to keep the lease in force and suspend all rent
payments (abate) if the tenant does not stay in the dwelling while the landlord is trying to
repair or restore the flood damage. In major repair situations, the landlord usually wants
the premises empty for efficient repair and avoidance of personal injury liability.
Depending on the circumstances, the landlord may be willing to allow the tenant to stay
in the dwelling rent-free until the premises are restored or repaired—even if the premises
normally would be considered totally unusable, as long as it is lawful to remain. If this is
what you would like to do, you need to discuss it with your landlord as soon as possible.
Q.3 If the dwelling is partially unusable because of the disaster and if I don’t
want to permanently move out, can my rent be partially abated (temporarily reduced)?
If the premises are partially unusable for residential purposes after the disaster,
the tenant may obtain a reduction or abatement of the rent during the length of the
repairs. Iowa Code § 562A.25(1)(b). This rent reduction, however, is not automatic or
predetermined, and the amount of the reduction depends on the circumstances of each
case. If one-half of the dwelling is unable to be used, then arguably one-half of the rent
should be due. The landlord, however, can terminate the lease when: (1) the lease itself
gives the landlord the right to terminate when a disaster renders the dwelling partially
unusable, or (2) the landlord and tenant mutually agree to terminate the lease.
NOTE: Whether the dwelling is totally or partially unusable is a fact question
decided on a case-by-case basis. The law states that the rent amount should be
proportionate to the amount of the dwelling able to be enjoyed. Obviously, before
paying less than the full rent, the tenant should talk to the landlord and try to reach a
mutual agreement on any rent abatement or reductions that are justified because a
disaster has rendered the premises unusable. If the landlord and the tenant cannot
agree on the appropriate amount of the reduction or if the unit is totally or partially
unusable, the tenant may still be able to reduce the rental payment.
Q.4 May I withhold payment of rent because of the disaster or because the
landlord has failed to timely repair the dwelling after the disaster?
Generally speaking, it is not a good idea for the tenant to simply withhold the rent
with the hope of getting repairs made. Iowa law provides a tenant with options to get
certain repairs made. If, after the disaster, neither the tenant nor the landlord has
terminated the lease because the dwelling is totally unusable, the tenant has the right to
repair and deduct the amount of the repair (limited by one month’s rent) from the
payment of rent if the landlord does not timely repair. Iowa Code § 562A.27(4). The
tenant must have notified the landlord of the intention to make the repairs and deduct
the costs from the rent at least seven days before the periodic rental due date. Iowa
Code § 562A.27(4)(b). The repair must be one which is part of the landlord’s
responsibility under Iowa Code § 562A.15, or the lease agreement. Iowa Code §
562A.27(4)(a). Timeliness of repair by the landlord may depend on the availability of
materials, labor and utilities and, in some cases, on when the landlord receives
insurance proceeds from his or her insurance company. The tenant has other remedies,
such as termination of the lease, if the landlord fails to timely repair items that are a
material health and safety risk. See Iowa Code § 562A.21(1). The tenant may also seek
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injunctive relief. Iowa Code § 562A.21(2).
Q.5 Do I have to keep paying rent to my landlord while I am not living at my
house/apartment?
The Iowa Code provides that the total destruction of leased property results in the
possible termination of the lease, with no further liability on the part of landlord or
lessee. Iowa Code § 562A.25(1)(a). Partial destruction of the leased premises gives
rise to a right on the part of the lessee to seek termination of the lease or to reduce the
rent owed. Iowa Code § 562A.25(1)(a) and (b).
So, the practical advice is that the client should hold payments until the condition
of the leased property is verified.
Q.6 What can happen and what should I do if I cannot pay the rent on my
dwelling because of job or salary interruptions following the disaster?
Temporary government rent assistance may be available from the Federal
Emergency Management Agency (FEMA) or other governmental agencies. NOTE: Until
payment is made to the landlord, the landlord may file for eviction and may be
successful even though you may be entitled to government assistance. You can try to
argue that payment is coming but the court may still grant an eviction.
If your lease is terminated because the dwelling is totally unusable, you must
move out, regardless of whether you can or cannot pay the rent.
If you live in public or federally subsidized housing or receive Section 8
assistance, you are entitled, in most circumstances, to have your rent reduced when you
suffer a loss in income. You must notify your landlord and the housing authority.
If the landlord is entitled to evict you and you do not move after the landlord has
given you notice to vacate, you can be evicted only through a lawsuit.
Q.7 How could I pay rent if I wanted to?
For residential leases, the landlord probably is local and probably had to
evacuate just like the lessee. Clients should be advised not to mail payments until the
USPS procedures for forwarding mail to evacuees are clarified, or until clients can verify
the landlord is receiving mail at the old address. The rent should be paid by money
order, cashiers check, or personal check (unless otherwise stated in the lease). A copy
of the payment tendered should be kept for the tenant’s records.
Q.8 Can my landlord rent my home/apartment to someone else while I am
gone?
Short answer is that the landlord is required to surrender peaceable possession
of the leased premises to the lessee for the term of the lease. Iowa Code § 562A.14.
The landlord cannot impair peaceful possession unless there has been a default by
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lessee, the lease has been terminated, and a Court has ordered possession to be
returned to the landlord.
The unfortunate practical advice here is not to worry about it until it can be
verified that the leased premises still exist in habitable form.
Q.9 How do I contact my landlord?
One hopes that phone service will be restored in the near future, and that calls
can be completed. USPS is attempting to coordinate mail delivery by establishing
central repositories for mail directed to evacuated zip codes. There is no easy answer
to this question.
Q.10 My landlord told me to move out because the dwelling is totally unusable
after the disaster. Do I have to move out?
You must move out if the dwelling is totally destroyed and it is unlawful to remain
in the home. Unless your lease says otherwise, the tenant has the right to terminate the
lease if the dwelling is totally destroyed as a result of a disaster such as a flood. Iowa
Code § 562A.25(1)(a) However, if the tenant does not move after notifying the landlord
in writing of the termination, the landlord may treat the tenant as a holdover. The tenant
must still be removed by following Iowa Code Chapter 648 et. seq.
Q.11 My landlord told me to move out the next day because he wants the
dwelling for his daughter who lost her house in the flood. He told me if I didn’t move out,
he’d change the locks. Do I have to move out?
No. The landlord must honor the lease unless the dwelling is totally destroyed or
the lease contains an express provision allowing the landlord to terminate in event of a
fire, flood, or similar casualty. If the landlord wants you out in order to move someone
else in, then the premises are obviously not “totally destroyed” and the landlord cannot
terminate the lease.
If the landlord unlawfully locks you out, you should contact a lawyer. If you are
low-income, you can call 1-800-532-1275 for information or possible representation by
Iowa Legal Aid.
Q.12 What should I do if I am served with an eviction lawsuit?
If an eviction lawsuit is served on you, you should carefully read the papers and
find your deadline for filing an answer or appearing in court. You can defend yourself in
court or you can call a lawyer for representation or a legal services program for
information or possible representation.
Q.13 How can I recover my personal property from the leased premises?
FEMA and federal security officials are going to be in control of when and how
evacuees are allowed to return to their homes.
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Between now and when the agencies permit a return, the best advice we can
give an evacuee is to try to contact the landlord and determine whether the landlord (i)
knows anything about the condition of the property, and (ii) has been able to do anything
to secure the property.
Q.14 May I recover damages against my landlord for injuries or property
damage I suffered as a result of the disaster?
When the injury or property damage results from a natural disaster and not from
the landlord’s negligence, the landlord is not liable for such injuries or property damage.
However, the law does not prevent suits against the landlord for injuries or property
damage resulting from the landlord’s negligence. The landlord can therefore be sued if
the landlord’s negligence caused or contributed to the tenant’s injuries or damage from
the disaster.
Q.15 I have suffered personal injuries or loss or damage to my personal
belongings from the disaster. May I recover damages against my landlord or the
previous homeowner if they knew about the possibility of flooding and failed to inform
me?
If the landlord or seller made an affirmative misrepresentation concerning the
possibility of flooding, the tenant or buyer may be able to sue the landlord or seller for
fraud to recover for property damages or personal injuries. If you knew, however, that
the property could flood or did not rely on the affirmative misrepresentation, then you will
not be able to recover damages.
If the landlord or seller said nothing about the possibility of flooding, then you will
probably not be able to recover any damages. Generally, the mere failure to disclose a
fact known by the seller or landlord is not fraud. However, failure to disclose the
possibility of flooding may, under certain circumstances, support a lawsuit against a
landlord or seller who knew of past flooding or knew of the possibility of flooding. Active
concealment of known past flooding (for example, painting over flood water marks on
walls) may also be the basis for tenant recovery. See 37 Am. Jur. 2d, Fraud and Deceit,
144-146.
Q.16 Can I recover damages against my landlord or the previous homeowner if
they didn’t know about the possibility of flooding?
No. As a general rule, the tenant or buyer cannot recover from the landlord or
previous owner a loss or damage from flooding if the landlord or previous owner knew
nothing about past flooding or the possibility of flooding, and did not tell the tenant or
buyer that the property was not subject to flooding.
Q.17 All my personal belongings were destroyed when the roof fell in on the
place I rent. What help can I get from my insurance company?
If you had renter’s insurance or homeowner’s contents insurance at the time of
the flood, contact your insurance company. If your situation is desperate, make sure
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you describe your situation to the insurance company. If the insurance company agrees
that there is coverage, you can ask for advance payment to cover a part of your loss.
Q.18 What should I do if I do not have insurance on my personal belongings?
If your losses are not covered by insurance, you may be able to get an Other
Needs Grant from FEMA to replace necessary items of personal property. You may
apply for these benefits at the FEMA DRC sites or by phone or online. You may also
wish to contact the Red Cross, which may be able to help you. If you are not in a
federally designated disaster county but are in a state designated county, you can apply
to the state for assistance.
Q.19 If my personal belongings are lost or damaged as a result of the flood or
other disaster, may I recover from my landlord under the landlord’s hazard insurance
policy?
No. The landlord has no “insurable interest” in the tenant’s property, and
therefore, the landlord’s hazard insurance cannot (and does not) insure the tenant’s
personal property.
However, if the damage or loss of the tenant’s property is due in whole or in part
to the landlord’s negligence, the tenant may be able to sue the landlord and the loss
may be covered by the landlord’s liability insurance carrier.
Q.20 Is flood damage to my home covered under my insurance policy?
Your homeowner’s insurance policy (sometimes called a “casualty insurance
policy,” “hazard insurance policy,” or “fire and extended coverage policy”) normally does
not cover flood damage. The policy may cover water damage inside the home from
direct or blowing rainfall, but it normally does not cover damage from surface water or
rising water. Windstorm insurance normally will be limited to greater-than-normal wind
conditions, such as from a hurricane. You should read your policy, talk to your
insurance agent, and consult an attorney if you have questions.
Q. 21 Does my automobile insurance cover the damage to my car resulting from
the disaster?
Normally, disaster damage to an owner’s vehicle will be covered under the
owner’s comprehensive auto coverage, although specific language in the policy and any
express policy exclusions will control.
Q. 22 May I recover damages against my neighbor whose property damaged my
property during the disaster?
The general rule is that a person is not liable for injuries or damages caused by a
disaster or “Act of God” where there is no fault of negligence on the part of the owner
whose property caused damage to others during the disaster. Therefore, your neighbor
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is liable only when he or she was negligent and such negligence was a cause of the
damage. See 1 Am. Jur. 2d, Act of God, 11, 15; and 57 Am Jur. 2d, Negligence, 181.
Q. 23 What can I do with someone else’s property, which the disaster carried
onto my land?
When personal property is carried away by flood, wind or explosion onto the land
of another, such personal property still belongs to the original owner and the original
owner may enter and retrieve it. If the landowner refuses to let the owner of the
personal property enter, or if the landowner appropriates the property for the
landowner’s own use, the owner of the personal property can sue the landowner for the
value of the property.
Q. 24 May I sue the local, state or federal government for damages caused by
the disaster?
Under some circumstances, the government may have liability if its employees
were negligent and caused the damages. However, under the doctrine of “sovereign
immunity,” governmental authorities are generally immune from liability for the negligent
acts of their agents and employees. The doctrine of sovereign immunity normally
applies to “governmental functions” such as crime prevention, flood control, fire fighting,
preservation of health, etc.
Q.25 Must I Continue Paying Rent For My Commercial Lease Space Even
Though It Has Been Rendered Totally Or Partially Unusable By The Disaster?
Most commercial leases have specific provisions that address situations when
the property is totally or partially destroyed. These provisions dictate the rights of the
tenant or landlord. Refer to your lease. If your lease is silent regarding casualty
situations, you will have to pay rent unless the building is completely destroyed. See
Osterling v. Sturgeon, 261 Iowa 836 (1968).
Q.26 May I Recover Damages Against My Landlord For Injuries Or Property
Damage I Suffered As A Result Of The Disaster?
You cannot recover damages against your landlord that arise strictly as a result
of a disaster. Generally speaking, a landlord has an obligation to make all repairs and
do whatever is necessary to put and keep the premises in a fit and habitable condition.
However, a landlord is relieved of that obligation if the landlord demonstrates
affirmatively that he or she has exercised due diligence and effort to make the premises
fit and habitable, and that any failure by him or her to do so was due to circumstances
reasonably beyond his or her control. Iowa Code § 562A.25. Similarly, a landlord has an
obligation to supply heat, water, hot water and other essential services. If, such services
are no longer available as a result of a disaster, and your landlord has not deliberately
or negligently failed to provide these services, you cannot recover from the landlord.
Iowa Code § 562A.23.
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Homeowners and Mortgages
Q.27 My house was damaged and I can’t live in it. Do I have to make my
mortgage payments?
Yes. Most home loan documents require the homeowner to make mortgage
payments even after a disaster – even if your house is damaged and you can’t live in it.
However, many lenders will allow you to delay mortgage payments for several months
after a disaster (although interest may continue to be added). Many lenders will make
loan modifications to allow the missed payments to be added to the loan, thereby
lengthening the term of the mortgage. You need to communicate with your lender and
tell the lender about the disaster and your temporary inability to pay. The lenders will
nearly always work with you. If your mortgage is FmHA-financed or FHA-insured and
you fall behind in your payments because of circumstances beyond your control, you
have special rights.
Q.28 Do I have to pay my mortgage note while I am not living at the property?
Yes. It is not typical for a note secured by the borrower’s real estate to include
any sort of forbearance provision that would be triggered by flood related damage or
destruction of the property.
However, Federal officials have advised Iowa lenders to grant leeway to flooddamaged
customers who owe them money.
Q.29 What should I do if I receive a notice that my lender is going to foreclose
on my home for non-payment of the mortgage?
If you have received a written foreclosure notice as a result of a disaster-related
financial hardship, you may be eligible for Federal Emergency Management Agency
(FEMA) assistance to help you with your mortgage payments. You may file an
application for FEMA benefits. See the FEMA section of this manual.
If your mortgage is FHA-insured or FmHA financed, you may be entitled to
reduced or suspended payments. Your lender must notify you of this right and give you
an opportunity to seek help before the lender begins foreclosure proceedings. You
must, however, meet the deadlines the lender will give you.
If you have income and you want to keep your house, you may be able to file a
Chapter 13 bankruptcy. In this type of bankruptcy, the homeowner pays regular
mortgage payments that accrue after the bankruptcy and all other living expenses and
also pays an amount every month toward the mortgage installments, which were
delinquent prior to the bankruptcy. If you think you may want to file a Chapter 13
bankruptcy, you should consult an attorney.
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Q.30 Can my mortgage holder foreclose on my home if I can’t make the
payments?
Yes. The typical residential property mortgage does not include forbearance due
to flood damage and allows the lender to foreclose following default:
In Iowa, foreclosures may be judicial or nonjudicial.
A nonjudicial foreclosure is a voluntary foreclosure and may be done by
agreement between you and your lender whereby you give up all rights to your home.
In a voluntary foreclosure, if your house is sold by the lender and does not sell for the
amount of the mortgage, you are not responsible to pay your lender the difference.
Correspondingly, if your house sells for more than the amount of the mortgage, the
lender is not obligated to give you the difference.
A judicial foreclosure is a forced foreclosure and may be done only by order of
the court. If you are subject to a forced foreclosure in Iowa, you have a right to reclaim
your home within one year of the foreclosure and you may live in your home during this
one-year time period. In a forced foreclosure, if your house sells for less than the
amount of the mortgage, you are obligated to pay the lender the difference.
Correspondingly, if your house sells for more than the amount of the mortgage, the
lender must give you the difference.
Movable and Immovable Property
Q.31 Who is responsible to replace my personal property that was located on
someone else’s property (leased property, rented out to a customer, etc.)?
Absent a lease provision to the contrary, which would be very atypical, the
landlord would not be liable to the tenant (or the tenant’s customers in a commercial
context) for storm damage to the tenant’s (or customer’s) personal property.
Which means, as a bald legal concept, the owner of the personal property bears
the loss. Insurance contracts frequently will produce a different result. The liability
insurance carried by a car dealership, for instance, might well cover storm damage to
third party vehicles that were in the shop waiting for repair when the storm hit. In some
situations, multiple insurance coverages might be available (in the example just given,
the car dealership and the car owner may both have liability insurance that would apply).
The resolution of the question of whose insurance would pay when neither party is at
fault is not within the scope of this manual.
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Q.32 Who is responsible for the value of my personal property that was stolen
(looted)?
Generally, theft would be covered under most insurance policies. For
homeowners, the specific property that might be covered, and the exclusions, would all
be set forth in the homeowners’ policy. For tenants (for instance a tenant that operates a
shop that was looted) the landlord’s insurance is not likely to respond, and as noted
above, the landlord is not going to be legally responsible absent either a lease provision
that places the loss on the landlord or some widely recognized common law theory (i.e.
landlord’s failure to provide adequate security). However, it seems highly unlikely that
the common law theories would fit the circumstances of this disaster.
Q.33 Is there any program available for me to recover the value of my lost
personal property?
Refer client to FEMA. Absent insurance, FEMA rules are going to apply.
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C. EMPLOYER/EMPLOYEE ISSUES
Iowa Workers’ Compensation Benefits
If you are currently receiving workers' compensation benefits and have relocated
or have otherwise seen a disruption in benefit checks due to flooding, tornado, or other
natural disaster, there are steps you can take to make sure you continue receiving
benefits. If you used an attorney in your workers' compensation case and are able to
locate a phone number or contact information for that attorney or firm, he or she should
be able to contact your employer's (whether current or former employer) human
resources department or insurance carrier on your behalf to make sure your benefits
continue. If you did not use an attorney, you can call your employer (the one you had at
the time of your workers' compensation injury) and ask to speak to someone in human
resources or management to report your move or to discuss workers' compensation
benefits. If you happen to have contact information for the insurance claims adjuster
who handled your claim, you can call that person as well.
If you are not able to reach or locate an attorney, your employer at the time of the
injury, or the insurance adjuster who handled your claim, you can call Iowa Workforce
Development at (515) 281-5387 or (800) JOB-IOWA.
If you have been injured in the course of your employment or while at work --
even if the injury is related to a natural disaster -- you may be entitled to workers'
compensation benefits in the form of medical care and/or disability benefits. Iowa law
establishes time limits for notifying your employer and for seeking recovery for such
benefits. Generally, you must notify your employer of the injury within 90 days and must
file a claim within 2 years. If you have been injured at work, you should seek legal
advice at once.
Unemployment Compensation
If a person became unemployed because his or her employer’s business was
destroyed or closed because of the disaster, or because the person lost his or her job
because his or her house or car was destroyed, or because the person was no longer
able to get work due to the disaster, he or she may be entitled to receive unemployment
compensation benefits. Iowa Unemployment Compensation Benefits may be applied for
online at Iowa Workforce Development’s website at
http://www.iowaworkforce.org/ui/file1.htm#1. As referenced above in the FEMA section,
if a victim is not eligible for Iowa unemployment compensation, he or she may be
entitled to disaster unemployment assistance under FEMA. Unemployment
compensation benefits and disaster unemployment assistance require the completion of
separate applications. In any event, unemployed disaster victims should apply for
unemployment benefits under both the state and FEMA provisions as soon as possible
since there is a waiting period for receipt of benefits. Disaster victims seeking
information on unemployment benefits and disaster unemployment benefits may also
call 1-800-JOB-IOWA from 8:15 a.m. to 4:15 p.m. Online guidance is available at
www.iowaworkforce.org, or, disaster victims may apply at any Iowa Workforce
Development Center.
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Q.1 What is an employers obligation in regards to termination of employees?
There is no federal or state law that obligates an employer not to terminate
employees if an employee’s home, vehicle, personal possessions, etc. were affected
and/or destroyed during the recent tornadoes and floods.
Q.2 What is an employer’s obligation with respect to group insurance?
The shutdown of an employer’s enterprise would trigger the elimination of group
insurance coverage for covered employees and dependents. This would obligate the
firm to send notices to the ex-employees advising them of their conversion rights (the
right to convert the group coverage to an individual coverage) pursuant to a federal
statute known as “COBRA.” In the usual case, COBRA permits the ex-employee to
continue the same coverage in an individual policy for up to 18 months.
Q.3 What can employer’s do with regards to the payment of employees’
salaries?
An option to an employer would be to place employees on administrative leave
status while the office regroups. This would relieve the firm of the obligation to pay
salaries. So long as the firm continued to pay the premium for group medical
coverages, the employees would still have those coverages.
Q.4 Does Iowa have any legal restrictions against firing, suspending or
disciplining employees?
Iowa is known as an employment-at-will state. Generally, this means that an
employer may legally hire, fire, suspend or discipline any employee at any time and for
any reason – good or bad – or for no reason at all. (unless there is an employment
contract or union protections). However, an employer may not discriminate against any
employee on the basis of the employee’s race, sex, age, religion, color, national origin
or disability. Iowa law also prohibits discrimination on the basis of pregnancy or
childbirth, or sexual orientation. In general, an employer cannot allow an employee’s
inherent characteristics or the fact that the employee complained about discrimination or
harassment to affect decision-making about that employee.
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Q.5 Does Iowa have a whistle blower’s law?
For state employees, Iowa Code §70A.28 and §70A.29 gives special protections
for state and/or local government employees regarding “whistleblowing.” A
governmental employer is not allowed to fire an employee for disclosing something that
they reasonably believe violates a law, or constitutes an abuse of funds, an abuse of
authority, or a danger to public safety.
However, there is also a public policy exception to the at-will doctrine which in
cases of whistleblowing would act to protect the employee. For example, when an
employee has the right or obligation to take action, the employer cannot punish the
employee for taking that action.
For example, an employee cannot legally be disciplined, demoted, denied a
promotion or fired because they have:
• Reported child or adult abuse as a mandatory reporter
• Reported their employer to the INS for immigration issues
• Complained to OSHA
• Complained to the Department of Labor
• Reported illegal behavior by a coworker, supervisor, or the company
This list does not contain every single basis that might exist for illegal retaliation
and/or whistle blower exceptions.
Q.6 Are there exceptions to Iowa’s employment-at-will doctrine?
• Discrimination based on your age, sex, race, color, national origin,
disability, pregnancy, sexual orientation, or gender identity
• Harassment based on any of the above characteristics
• Discrimination or harassment based on your association with someone
of a different race
• Retaliation because you have opposed or made a complaint about
illegal discrimination or harassment
• Retaliation because you have done something that you are legally
obligated or entitled to do
DEADLINES: Employees cannot protect their rights unless they take some kind
of action, like filing a civil rights complaint or a lawsuit, within a reasonable time frame
after something bad happens at work. Deadlines for taking action on employment law
cases vary by the type of case. They can be as short as 45 days in some cases.
Employees should act as soon as possible to make sure they are not left without a
remedy.
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Q.7 When should final paychecks be issued in the case of employers who are
closing their businesses as a result of the disaster?
When the employment of an employee is suspended or terminated, the employer
shall pay all wages earned, less any lawful deductions specified in Iowa Code § 91A.5
by the employee up to the time of the suspension or termination not later than the next
regular payday for the pay period in which the wages were earned as provided in §
91A.3. However, if any of these wages are the difference between a credit paid against
wages determined on a commission basis and the wages actually earned on a
commission basis, the employer shall pay the difference not more than thirty days after
the date of suspension or termination. If vacations are due an employee under an
agreement with the employer, or under a policy of the employer establishing pro rata
vacation accrued, the increment shall be in proportion to the fraction of the year in which
the employee was actually employed (Iowa Code § 91A.4).
Q.8 What is unemployment insurance?
Unemployment insurance (UI) is a program designed to provide temporary
financial assistance to workers who are unemployed through no fault of their own and
who meet the requirements of the Iowa Employment Security Law. UI benefits are paid
as a matter of past employment and legal entitlement, not on the basis of need.
Q.9 How do I qualify for unemployment insurance benefits?
The law sets qualifying requirements in three main areas: your past wages, your
job separation, and ongoing availability and work search requirements. You must meet
all of the following qualifying requirements in order to receive benefits.
Past wages: You must have earned enough wages in your base period. The
base period is the first four of the last five completed calendar quarters before you filed
your claim.
Reason for separation from your last work: You must be unemployed or partially
unemployed through no fault of your own in order to receive benefits.
Ongoing availability and work search: You must be physically able and available
to work. You must also be actively seeking work. If you are temporarily laid off and have
a definite return-to-work date, your work search requirements may be waived.
Q.10 How do I file for unemployment insurance?
To file a claim for unemployment insurance, you may report in person to the
nearest Iowa Workforce Development Center or you may file online. Before filing a
claim, you will need the following information:
• Your social security number.
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• The name, address and telephone number of your most recent
employer, and the beginning and ending dates that you worked for that
employer.
• An Alien Registration Number, if you are not a U.S. citizen.
• A DD-214 (Member 4), if you served in the U.S. Military during the last
18 months.
• An SF-8 form, if you worked for the federal government in the last 18
months.
• The name(s) of anyone you will be claiming as a dependent, up to a
maximum of four.
• The amount your spouse earned in the preceding week, if you want to
claim your spouse as a dependent (must be $120 or less to be
claimed).
Do not delay in filing your application because you may lose benefits if you are
not allowed to back date your application.
You can also go to the website www.iowaworkforce.org or call 1-800-JOB-IOWA.
There is also a guide entitled “Facts About Unemployment Insurance” for review. [See
Exhibit E]
Q.11 How should I file if I worked in another state or more than one state?
No matter in which state you may have worked, or in which state you may now
live, you can file your UI claim in the Workforce Development Center closest to your
current place of residence. Personnel in that office will assist you in determining against
which state you should file. There is a Workforce Development Center or a State
Employment Office in nearly every large town in the United States.
Q.12 What are the minimum and maximum amounts of UI benefits?
The minimum weekly benefit amount of UI in Iowa is $10.00. The maximum is
currently $426, although this will change on July 1, 2008. Your weekly benefit amount
could be anywhere in this range, depending upon the total amount of wages paid to you
during your base period and the number of dependents. The total amount of
unemployment insurance benefits payable to you would be equal to the lesser of 26
times your weekly benefit amount or one-third of your total base period wages.
Q.13 Are UI benefits taxable?
Any UI benefits you receive are taxable income. You will be issued Form 1099G
at the end of January showing the amount of benefits paid to you, as well as any federal
income tax withheld at the time the benefits were paid. The amount on the 1099G is not
reduced by any repayments you may have made for overpaid benefits. Therefore, if
you’re paid any benefits, you must maintain your record of payment, such as
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reimbursement receipts or canceled check notices to make adjustments to your taxable
income and as documentation for the federal Internal Revenue Service and State Tax
Office when you file your tax returns.
Q.14 What is Disaster Unemployment Assistance, or DUA?
If the President of the United States declares a disaster in your area, payment of
Disaster Unemployment Assistance may be authorized. Persons who become
unemployed as a result of the disaster, and who do not qualify for regular UI benefits,
may file for DUA. Should a disaster be declared in your area, your local news media will
provide information on how to obtain this assistance.
Q.15 Can I recover disaster unemployment benefits or assistance?
Yes. Disaster Unemployment Assistance provides financial assistance to
individuals whose employment or self-employment has been lost or interrupted as a
direct result of a major disaster declared by the President of the United States. Before
an individual can be determined eligible for Disaster Unemployment Assistance, it must
be established that the individual is not eligible for regular unemployment insurance
benefits (under any state or federal law). The program is administered by states as
agents of the federal government.
Q.16 Who qualifies for Disaster Unemployment Assistance?
In order to qualify for this benefit your employment or self-employment must have
been lost or interrupted as a direct result of a major disaster and you must have been
determined not eligible for regular state unemployment insurance.
Payment will be made to unemployed U.S. nationals and qualified aliens, who as
a direct result of a major disaster:
• No longer have a job.
• Are unable to reach the place of work.
• Were to commence work and does not have a job or is unable to reach
the job.
• Have become the breadwinner for the household because the head of
household has died or become incapacitated. (If you became a
breadwinner due to the death of a self-employed individual, you are
considered an unemployed worker for DUA purposes).
• Cannot work because of a disaster-incurred injury.
Q.17 What benefits are available?
Disaster Unemployment Assistance is available to individuals for weeks of
unemployment beginning after the date the major disaster began and for up to 26 weeks
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after the major disaster was declared by the President, as long as their unemployment
continues to be a result of the major disaster. The maximum weekly benefit amount is
determined under the provisions of the state law for unemployment insurance in the
state where the disaster occurred (see above).
Q.18 How do I file a claim?
Applications for Disaster Unemployment Assistance are available online at
www.iowaworkforce.org and can be submitted by mail or at local Iowa Workforce
Development Centers. Applications are also available at Workforce Development
Centers.
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D. SOCIAL SECURITY, BANKING, AND FINANCIAL ISSUES
Social Security Benefits
The Social Security Administration is attempting to ensure that all Social Security
Benefit Checks are received by all beneficiaries affected by the recent flooding in Iowa.
Flood victims seeking information on social security benefits or social security disability
benefits may also call 1-800-772-1213 to use Social Security’s automated phone
services to get recorded information and conduct some services 24 hours/day. If you
are deaf or hard of hearing, call our toll-free TTY number, 1-800-325-0778, between 7
a.m. and 7 p.m. Monday through Friday.
Additionally, if the applicant is blind, over the age of 65, or disabled and cannot
perform any kind of work, they should apply for benefits at the nearest Social Security
office. You can start an application by calling the Social Security Administration’s toll
free telephone number 1-800-772-1213. You can also apply online at
www.ssa.gov/onlineservices/. Once Social Security has all the necessary
documentation, such as proof of earnings and medical evidence of disability, it will send
a written decision. If the applicant is denied and you think they are eligible, you should
file a request for reconsideration within 60 days of the date of the initial decision. If they
are denied again, you should request a hearing and contact Iowa Legal Aid.
The applicant may also be eligible for other kinds of Social Security or SSI
benefits, on his/her account, or on the account of another if they want to retire, or they
are an aged or disabled widow or widower, or are the dependent family member of a
disabled, retired or deceased worker. If you think your client is eligible for any of these
benefits, you should contact the Social Security Administration and apply.
Social Security cards and payments
If you depend on social security benefits, you will need to contact the Social
Security Administration to verify your social security number. It's not always necessary
to have your social security card with you to verify your identity. There's a form that
people must fill out with their background information.
If your social security check has been lost or damaged, go to or call your nearest
Social Security Administration office. To find those locations, call 800-772-1213 or log
onto www.ssa.gov. If you are deaf or hard of hearing, call our toll-free TTY number, 1-
800-325-0778, between 7 a.m. and 7 p.m. Monday through Friday. For more
information, log onto www.ssa.gov/replace_sscard.html
Banking/FDIC Issues
Q.1 The local banks are not cashing my checks or letting me withdraw money
from teller stations, what can I do?
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If you have a bank account somewhere, they will cash your checks. If you don’t,
they won’t unless a special arrangement exists.
Q.2 My direct deposit is not showing up in my account, and I need money. Is
there somebody who can help me clear this up with the bank?
Sometimes there are delays in the processing of transactions, including direct
deposits, as banks activate backup plans to deal with the flooding. If any delays exist,
they should be rectified soon. You should talk to your bank directly about the problem.
You may also want to contact the individual or company that originated the deposit to
see if they have any information about the status of your deposit.
Q.3 If my ATM card does not work, what should I do?
If your ATM card will not work, you should contact your bank directly. It may be
that your bank’s verification system is not working. You may consider cashing a check
or using a credit card. If you cannot contact your bank, you should contact one of the
emergency service organizations, such as FEMA or the Red Cross.
Q.4 I am no longer working due to the storm and don’t have the income to live
on and meet my payments. If I miss some loan payments, how will this affect my credit?
Will I be charged late fees?
We are asking banks to work with customers hardest hit by the flooding. You
should talk to your bank directly and see if they may be willing to (i) allow some loan
payments to be skipped without it counting against your credit history, (ii) extend the
terms of your loan, and/or (iii) restructure loans to take into account your new
circumstances. Before skipping payments contact your bank. The FDIC is also
encouraging financial institutions to work with borrowers who are experiencing
difficulties beyond their control because of damage caused by the flooding.
Q.5 I need longer term financing until insurance checks come in, and I can find
another job, will banks help?
We understand that not all banks provide short-term, unsecured loans, but
regulators have encouraged banks to consider making loans on a short-term basis to
help consumers.
Q.6 Where can I find a list of banks that are working with displaced people?
The FDIC is encouraging depository institutions in the affected disaster areas to
meet the financial service needs of their communities. This includes extending
repayment terms, restructuring existing loans or easing terms for new loans. FDIC is
not currently maintaining a list of banks working with displaced people. You can contact
your bank directly to see if they’ve adopted a policy for assisting displaced people.
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Q.7 What about the contents of my safe deposit box? Does FDIC insurance
cover safe deposit boxes?
Deposit insurance does not cover safe deposit contents. Most safe deposits are
held in the bank’s vault, however, which are fireproof and waterproof. Contact your
bank branch where your box was located to determine the condition of your box.
Q.8 How will I get my Social Security check?
Your social security check should still be going to your account at your local
bank. If there have been any disruptions, you should contact your bank or the Social
Security Administration directly.
To get your social security check if you have not been receiving direct deposit, go
to the nearest office of the Social Security Administration which can be located by
calling 1-800-772-1213.
Q.9 I am worried about ID theft since my home was severely damaged during
the storm or I am not sure where my belongings are at the moment.
You may place a fraud alert on your account by calling any one of the three main
nationwide reporting companies at the numbers listed below. The alert tells creditors to
follow certain procedures before they open new accounts in your name or make
changes to your existing accounts.
Equifax: 1-800-525-6285
Experian: 1-888-EXPERIAN (397-3742)
TransUnion: 1-800-680-7289
Q.10 What happens if my bank has lost my records?
There has been no indication that any bank lost customer records in the flooding.
Banks are required to have extensive contingency plans for all types of disruptions to
operations including natural disasters. Banks have backup systems of records and
other built-in duplications that are housed in safe locations so that financial records can
be reconstructed and restored.
Q.11 If my local bank was destroyed, is my money still insured?
Yes, your money is still insured by the Federal Deposit Insurance Corporation
(FDIC). Deposits with a FDIC insured bank or savings institution will continue to be
protected up to $100,000. However, you should keep any financial records that you
have in order to help reconstruct your accounts.
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E. CONSUMER PROTECTION ISSUES
Q.1 What Iowa laws prohibit price gouging?
Attorney General Tom Miller has announced that the State's anti-price-gouging
rule is in effect in counties where disaster declarations have been issued in the wake of
tornadoes, storms or floods.
Price-gouging is the practice of taking advantage of disaster victims by
substantially raising the prices for needed goods or services without justification. Pricegouging
is considered an unfair practice under the Iowa Consumer Fraud Act when a
disaster declaration is in effect for a county. Iowa Code Section 714.16 describe the
practice as raising prices unreasonably above the price at which the merchandise or
service was sold in the usual course of business immediately prior to the onset of the
emergency. (The rule recognizes the fact that prices sometimes may be higher because
sellers also often incur increased costs.) The rule applies during the emergency
declaration and "subsequent recovery period" up to six months.
Consumers should be urged to contact the Iowa Attorney General’s Consumer
Protection Division at 1-888-777-4590 if they believe price gouging is occurring.
Q.2 What is “Home Equity Fraud”?
Home equity is the market value of the home minus the mortgage and other liens
on the home. For example, if a home’s market value is $100,000 and the mortgage and
all liens are $80,000, the equity is $20,000.
Home equity fraud is the taking of a homeowner’s equity by fraudulent means.
Victims of home equity fraud are most often elderly persons and person with limited
English speaking skills.
Home Repair/Lien Contract Scams
After a disaster, a homeowner frequently needs major repairs for serious
damage. This may include roofing and siding, plumbing, electrical wiring, heating and
cooling, replacement of damaged structures, interior living quarters, etc. The cost of
these repairs is most likely greater than the insurance coverage and the ability of the
homeowner to cover the cost. Frequently, a low-income homeowner has deferred
maintenance which may make the damage ineligible for FEMA funding.
The homeowner may feel trapped between the high cost of the repairs and the
limited funding for repairs. Unscrupulous contractors or salespeople will take advantage
of the fears of the homeowner and agree to make the repairs at unrealistic prices or
financing schemes. The salesperson or contractor then induces the homeowner to sign
a lien-contract secured by the home. The loan repayment amounts are higher than what
the consumer can afford to pay on a fixed income. Alternatively, the contractor provides
inadequate repairs or services and the consumer refuses to pay the note to the finance
company. The lien-contract, however, functions like a promissory note. If the
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homeowner misses only one payment the creditor may foreclose and sell the home
without ever going to court. The common result is that the homeowner not only fails to
have necessary repair work done, but loses his/her home through foreclosure.
Refinancing Schemes
Because of the increased costs of confronting an emergency, consumers
frequently fall behind in their credit payments or overextend themselves to the point that
they must choose whether to pay creditors or obtain basic necessities such as food.
Such consumers are often approached by finance companies promising to consolidate
the homeowner’s debt for existing mortgage, credit card debt, car loans and repair
loans. They then pressure the homeowner to sign multiple agreements without
sufficient time to review them or consult with anyone.
The negative outcomes of such refinancing schemes include high processing
fees, payments to bogus or phantom creditors and default on the loan. The homeowner
often cannot pay both the refinancing costs and basic living expenses, resulting in a
situation far worse than before the refinancing.
Lower income and minority borrowers, as well as elderly homeowners, are
usually targeted by predatory lenders. They encourage borrowers to lie about their
income in order to get a loan; knowingly lend the borrower more money than he/she can
repay; charge unnecessary fees; pressure borrowers into high-risk loans and use high
pressure tactics to sell home improvements and then finance them at higher interest
rates. These predators pounce on desperate situations to empty their pockets. A few
tips for consumers include:
• Beware of lenders who claim that they are the only hope for a loan or
ask borrowers to sign a contract/loan agreement with missing
information. Beware when lenders say refinancing your home can
solve credit or money problems.
• Always interview several contractors and lenders. Check with friends or
family for recommendations.
• Research lenders, contractors, appraisers, etc. with the Attorney
General’s Office or the Better Business Bureau. Check out their
complaint history.
• Never make false statements on a loan application. Any lender who
allows this is fraudulent.
• Do not let anyone convince you to borrow more money than you know
you can afford.
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• Attend homeownership education courses. They are available through
the U. S. Department of Housing and Urban Development (HUD) or
counseling agencies.
Foreclosure Consultants/Equity Purchasers
Some financial predators prey on persons during the foreclosure process. They
claim to be foreclosure experts who offer to assist homeowners after they receive a
notice of default. They take advantage of the homeowner's distress and offer to
purchase the home for below market value through misrepresentations on the value of
the home and on encumbrances. They represent to the homeowners that they may stay
in the property for the rest of their lives. In fact, after they obtain the property, they sell it
and the new owner serves the tenants with eviction papers. Clients should be warned of
such scams. Consumers should also be advised of the tips outlined in paragraph b
above as ways to guard against fraudulent lenders.
Caretaker/Befriender/Relative Scams
Isolated homeowners who need assistance to maintain their homes frequently
are victimized by friends, relatives or caretakers. They assist the homeowner with
household chores, including shopping or taking them on medical visits. Children of
elderly parents sometimes seek control of their parents’ property for their own uses. All
of these persons use scare tactics to convince the elderly, disabled or limited English or
non-English speaking person to transfer title of the property to them. Sometimes they
obtain a power of attorney when a person is very sick. Unbeknownst to the homeowner,
the power of attorney holder may convey or encumber the property and keep the
proceeds for him/herself.
Additional information about potential scams and consumer fraud in Iowa can be
found at the Iowa Attorney General’s website at
http://www.state.ia.us/government/ag/latest_news/releases/june_2008/AG_Warning_flo
od_tornado.html.
Q.3 What Iowa laws address home solicitation contracts?
Special laws cover home solicitation sales in Iowa and in other states. In a
consumer credit sale or a sale in which the goods or services are paid for in whole or in
part by a lender credit card or a consumer loan in which the lender is subject to
defenses arising from the sale under section 537.3405 of the Iowa code, a consumer
has, in addition to all the rights and remedies provided by chapter 555A of the Iowa
Code, which addresses door to door sales, a cause of action under section 537.5201 of
the Iowa Code, subsection 1, and the administrator has all powers granted under article
6, part 1, to enforce the provisions of chapter 555A of the Iowa Code.
Chapter 555A imposes certain duties on sellers and gives buyers certain contract
rights in the context of door-to-door sales, including the right to cancel any purchase
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contracts at any time prior to midnight on the third business day after the transaction
date.
Debtor/Creditor Law
Often disasters can trigger financial crises as victims fall behind in their bills.
Missed payments or collection actions can damage their credit ratings. Victims should
notify creditors of the situation as soon as possible. Some creditors will agree to
postpone payments for a period of time.
Debt Collection
Communicating and Negotiating with Creditors. If the debtor can afford to make
small monthly payments, s/he should contact the collector to ask if the payments are
acceptable and reach an agreement on all of the following:
Total amount owed on the bill, including the interest to be added each year;
Amount of monthly payments;
Due dates that payments must reach the collector;
Address where payments must be mailed; and
Whether the collector will remove negative information about the bill from the debtor's
credit report.
Documenting Communication between Debtor and Creditors. It is important for
debtors to keep a record of phone calls from the collector regarding the past due bill,
including the full names of the individuals s/he speaks with and date, time and details
about the conversations. If the debtor arranges a payment agreement, s/he should send
a brief letter confirming the terms of the payment plan. The debtor should always keep
copies of any letters and payments sent to the collector. Letters to the collector should
be sent by certified mail when possible.
Notifying the Collector of Debtor's Inability to Pay. Some debtors who have
relatively little employment income or prospects for such income might be considered
"judgment proof." Such people own no real estate other than their family home, no
personal property of significant value, no more than one car, and would probably not
have bank accounts or other investments with significant balances. Such debtors, those
unable to arrange a workable payment plan, should consider sending the collector a
letter informing the collector of the debtor’s inability to pay and requesting that the
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collector stop contacting the debtor about the debt. The debtor should include in the
letter any special circumstances which help explain the inability to pay. The debtor
should also inform the creditor of any collection practices by the creditor that the debtor
finds to be harassing. Sending such a letter will limit the collector's right to contact the
debtor.
Filing Bankruptcy. Bankruptcy may become a last resort option for disaster
victims who cannot satisfy their creditors. Filing bankruptcy will not necessarily cancel
all debts. It is recommended that individuals wishing to pursue bankruptcy proceedings
be referred to Iowa Legal Aid or a State Bar-certified lawyer referral service where an
experienced bankruptcy attorney can be identified. For information about lawyer referral
in Iowa call the Iowa State Bar Association’s Lawyer Referral Service at 1-800- 532-
1108.
What Happens when Debtors Fail To Pay? Debtors are not criminally liable for
owing debts; however, a collector may file a civil lawsuit against them to collect the debt,
and a court judgment will give the collector the right to collect any non-exempt assets.
Also, the collector has the right to report the unpaid debt to a credit reporting agency.
Normally, a creditor or collector must give a debtor a Notice of the Right to Cure a
default before resorting to other collection techniques. The right of the debtor to cure a
default exists in most cases involving consumer credit transactions. The debtor must be
given twenty (20) days to cure the default. This twenty day period must expire before
the creditor of collector can accelerate the debt, file a lawsuit, or engage in other
specified collection practices.
Auto loans (and other secured contracts) sometimes permit the collector to
repossess a car (or other collateral purchased with the proceeds of a loan) after a
borrower's failure to make payments. Iowa law requires that the debtor be given a
Notice of the Right to Cure the default prior to any involuntary repossession action. A
creditor does not need to give a second Notice of the Right to Cure if there has been a
default by the debtor within the past year and a Notice of the Right to Cure was given at
that time. The debtor may have to pay the full balance of the loan plus all costs of
repossession in order to regain possession. If the debtor cannot pay, the collector may
sell the car and sue the debtor for the amount the debtor owes over the sale price.
If a past due bill is for services a debtor continues to receive (e.g., utilities), the
collector may discontinue service or withhold reconnection, even if the debtor moves to
another residence. The collector may also sue to try to collect the unpaid balance.
How To Decide Which Bills to Pay First? Before deciding which bills to pay and
which to ignore, clients need to know the consequences. The four types of debts listed
below could have immediate, harmful consequences if unpaid.
• Court-ordered payments, such as alimony or child support, must be
paid on time or jail time could be sought for contempt of court. If clients
are unable to pay, do not simply ignore it. Ask the court to modify the
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payment order. A court will usually lower or eliminate your payments to
meet your new financial condition. (Additionally, if a client is on Social
Security Disability, her/his children should be eligible for "dependents'
benefits" which may entirely pay her/his support obligations. Check
with your local Social Security office.)
• Ongoing services, such as utilities, telephone service, or health
insurance coverage, must be paid or they will lose future service or
coverage.
• Items purchased on credit or pledged as security on a loan can usually
be taken if payments cannot be made. Under Iowa law, a lender
cannot unilaterally seize property unless the lender has given the
debtor a proper Notice of the Right to Cure. Normally, the creditor
must obtain a court judgment and an order instructing the sheriff to
seize the property. If extra time is needed to make payments, it is best
to contact the lender in advance of any repossession attempt by the
collector.
But be aware: even after a creditor has repossessed its collateral, it may still
have the right to recover money. For example, although a bank has repossessed a car,
if its resale value is less than what is owed, there may be liability for the difference.
Property That is Protected. Under federal and Iowa law there are certain things
that cannot be taken by a collector, regardless of how much is owed, regardless of
whether the creditor obtains a judgment, and regardless of whether or not the debtor
files for bankruptcy. Property that cannot be taken by collectors is often called “exempt
property.”
Some important examples of exempt property include:
• Social Security, unemployment, public assistance, veterans, or
disability benefits; (There are some exceptions for child support,
alimony, and taxes);
• Alimony and child support to the extent reasonably necessary for the
support of debtor and dependants;
• Homestead (house and surrounding land used and occupied by the
debtor and his/her family), up to one-half acre within a city or forty (40)
acres outside a city;
• All clothing and suitcases of the debtor or the debtor’s dependants kept
for actual use, household furnishings, musical instruments and
household goods (which includes cameras, TVs, and compact disc
players), up to $7000 in value;
• Books, portraits, and paintings, up to $1000 in value;
• Burial plot not exceeding one acre;
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• Professionally prescribed health aids for the debtor or a dependant of
the debtor;One motor vehicle, not to exceed $7000 in value (current
resale value);
• A wedding or engagement ring owned and received by the debtor on or
before the date of the marriage;
• Cash value of a life insurance policy if beneficiary is spouse or
dependent, up to $10,000 if purchased within two (2) years of
execution, and unlimited if purchased more than two (2) years before
execution;
• Cash, bank deposits or any other personal property not otherwise
provided for, up to $1000; and
• Tools of the trade of the debtor or dependant, up to $10,000 in value.
If all the property and income of the debtor is exempt property, then the debtor
should notify the creditors or collectors that s/he is judgment proof. Once the collector
knows that there is nothing to take, they will often write off the debt or at least stop
collection activity.
Credit Reporting
Legal Authority. This area is governed by the Federal Fair Credit Reporting Act,
15 U.S.C.A. Section 1681, which requires that credit reporting agencies furnish a free
copy of a consumer's credit report upon request within 30 days after the consumer is
notified of an adverse action. Credit reporting agencies also have a statutory obligation
to investigate consumers' claims. If a debtor disputes the contents of her/his credit
report, s/he should notify the credit reporting agency in writing.
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F. INSURANCE ISSUES
Q.1 Can I obtain immediate financial assistance from my homeowners
insurance company to pay for alternative living arrangements while I am displaced from
my damaged or destroyed home?
You may be entitled to additional living expenses (ALE) under your homeowner’s
policy. Ask your insurance company if you are entitled to these benefits under your
policy. Also ask your insurance company for a copy of your insurance policy so that you
can confirm whether the benefits are available to you.
Q.2 Do I have to pay my insurance premiums in light of disaster damage?
Yes, you generally must continue to pay your insurance premiums when due.
However, some insurers may grant extensions on payment deadlines. For example, the
Iowa Insurance Commissioner has directed all insurers in Iowa to grant 60-day grace
periods for collection of insurance policy premiums that came due before the end of
June 2008 and owed by residents of the state who are impacted by the storms or
flooding. This means that Iowa residents may have an additional 60 days to pay their
premiums, and that insurers cannot non-renew their policies due to late premium
payments. This will not forgive the owed premiums. The directive is voluntary, but
insurance companies generally have complied with these directives. Contact your
insurance company or the Iowa Insurance Division to determine if there are any
premium payment extensions that apply to you. The Iowa Insurance Division’s
telephone number is 1-877-955-1212. If you do not have contact information for your
insurance company, the Iowa Insurance Division can provide it to you.
Q.3 How can I preserve my claims and protect my right to repayment from
insurance coverage?
If you have any insurance policy which you think may cover your damage,
whether it is a homeowners, renters, or car insurance policy, call your agent, broker, or
insurance company as soon as possible and report your loss. Do this even if you are not
sure that there is coverage or if you do not know if the claim will exceed the deductible.
Make sure you write down the name of the person you speak to and the claim number
they will give you. If you do not have contact information for your insurance company,
the Iowa Insurance Division can provide it to you. The Iowa Insurance Division’s
telephone number is 1-877-955-1212.
Many companies have also established websites and local emergency claims
offices as part of the disaster response. Further, some companies may provide
additional contact points through newspaper or radio advertisements.
If you cannot get through to your insurance company by telephone, write them a
letter telling them of your loss and keep a copy of it. If you cannot find the insurance
policy, contact your agent, broker or insurance company. Ask for the entire policy, not
just the cover page or declarations.
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If you cannot stay in your home, make sure you give the insurance agent or
representative your new address and telephone number.
Q.4 What if I live in a condominium?
If you own a condominium, you should look at both the coverage provisions in
your association insurance policy and the coverage under your individual unit coverage
owner’s insurance policy.
Q.5 How do I get an insurance adjuster out to my home to assess the
damage?
You should request the insurance company to send an adjuster to look at your
property. It is best if this request is in writing. If necessary, you should contact the Iowa
Insurance Division at 1-877-955-1212. However, this will not be done until public
officials have declared it safe and have allowed such work to begin.
Q.6 What can I do to prepare for the insurance adjuster?
If circumstances allow, make a list of all property damaged or destroyed, take
pictures, collect names, addresses and telephone numbers of witnesses, obtain repair
estimates, keep a record of expenses, such as alternative housing, etc., and locate
original bills and receipts for lost items. If you do not have or cannot locate a complete
household inventory, try to picture the contents of every room in your home and then list
and describe all items that were damaged or destroyed. Include furniture, major
appliances, electronic equipment, pictures or accessories in each room, as well as
hobby items, tools, home maintenance items and seasonal items such as holiday
decorations and outdoor furniture. As accurately as possible, try to remember when and
where you bought each item, how much you paid and the cost of replacement. It is also
helpful to include brand names and model numbers where known. Submit these along
with your claim to the insurance company.
Q.7 What if I cannot wait for the insurance adjuster?
Some insurance policies provide for reimbursement for temporary housing and
relocation costs while your home is being repaired and for car rental costs while your car
is being repaired or replaced. Check your policy or call your insurance company. If your
situation is desperate, make sure that you let the insurance company know and, if the
insurance company agrees that there is coverage, ask for an advance payment toward
your losses.
Due to the extreme amount of damage caused by the flooding and storms, you
should make all necessary temporary repairs, such as boarding up windows, patching
holes in walls or roofs, or tarping the roof, as soon as possible even if you have not yet
seen the insurance company representative. You can also move your personal property
to protected areas and begin clearing and drying items damaged by water. You should
get the company’s permission before doing so whenever possible. You should also not
dispose of any items you believe may be a complete loss until the insurance company
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representative has examined them. Many companies will also give you an emergency
advance to cover some repair costs.
Take photos of the way things look before you begin cleaning and repairing and
keep receipts for all clean up and repair expenses.
Q.8 Can I hire someone to make emergency repairs?
Probably. Most homeowners’ policies cover materials and reasonable labor
expenses for temporary and emergency repairs in addition to any final repairs. You
should get several estimates if possible. You should also ask your insurance company
representative whether the company will reimburse you for work you do yourself. Be
sure to keep all of the receipts.
Q.9 A contractor told me he can do the job faster if I just sign my insurance
check over to him. Is that a good idea?
No. If the repair work is extensive, the contractor may ask for periodic partial
payments as the work progresses, but it is highly unlikely that a reputable contractor will
request full payment in advance. The contract should specify that payments will be
made as work is completed. If you have a mortgage on your home, the lending
institution may also have specific requirements as to how the insurance funds are
disbursed.
Q.10 What if the insurance company offers to settle?
You should consult a lawyer before signing any release or waiver and before
cashing any check from the insurance company which might be deemed full and final
payment of your claim. Before you settle with the insurance company, be aware of the
full extent of your damage and the full value of your claim. It may be important for you to
get estimates or to actually have the work completed before you agree to a specific cost
figure.
Q.11 What if the insurance company denies my claim or offers me less than I
think that I am entitled to receive?
You should demand that the insurance company give you its reasons in writing
for denying coverage or limiting your claim, and consult a lawyer. You should also ask
for any reports prepared by the insurance company when examining the insured’s
property or evaluating the insured’s claim.
Most insurance policies require that you bring suit against the insurance company
for failure to pay a claim within one year from the date of the occurrence of the damage.
If you do not file suit in time, you may be prevented from receiving any reimbursement.
Also, the Iowa Insurance Commissioner has recently publicly stated that a Flood
Mediation Service program initiated as an emergency response to the floods of 1993 will
49
once again be activated. This service will allow insureds who have a settlement dispute
with their insurance company to utilize a mediator under contract with the Iowa
Insurance Division to determine if any elements exist in their own case that would allow
any additional payment amount in cases of homeowner claims for property losses
involving floods. This mediation program will be available in a few weeks and more
details will be released at that time. For more information, contact the Iowa Insurance
Division at 1-877-955-1212.
Q.12 Is the damage to my home covered under my insurance policy?
Hazard insurance (homeowners’ policies or other fire and extended coverage
policies) from the private sector generally covers the damage to the home caused by the
storms, except for damage caused by flooding, which is generally specifically excluded.
Victims should be asked whether they have separate flood insurance. Review all
applicable insurance policies.
Also, please read the paragraph regarding the Flood Mediation Service program
initiated by the Iowa Insurance Commissioner included in the answer to question 32
above.
Q.13 What if my insurance does not cover all of the damages to my home or
personal property?
You may be eligible for benefits under the FEMA program if you are unable to
pay for repair or replacement of essential parts of your home or essential personal
property. See the FEMA section of this manual. You may also keep all of your repair and
replacement receipts and file your losses with the IRS on your income tax returns next
year. For information, you may call 866-562-5227.
Q.14 Does my automobile insurance cover the damage to my car resulting from
the disaster?
Normally, this type of damage will be covered under the comprehensive policy
coverage, although the particular language and exclusions of the policy will control.
Even when there is a flood, wind, etc. exclusion, coverage may exist under a collision
policy if the disaster and the event causing the damage could be construed as a
collision. The courts have reached mixed results on this issue.
Q.15 Where can I live while my house is being repaired?
If your policy provides coverage for your loss, you will be insured for Additional
Living Expense coverage which pays for the costs you incur in excess of your normal
living expenses. For example, if you normally spend $1500 for mortgage/rent, utilities,
food, etc. and you now spend $2000 due to the disaster, the insurance company will
reimburse you $500. Be sure to save all receipts.
You should also ask the insurance company representative if there are any
restrictions on where and how long you can stay and how much you are allowed for
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hotel rooms. If you stay with a relative or friend, the company may reimburse your host
for lodging only if you can show proof of actual payment. Extra expenses, such as high
utility bills by the host, would definitely be considered. You can also submit a claim for
the cost of storing your personal property until your home is ready for occupancy.
Q.16 If a tree falls in my yard but does not damage my home or property, will
insurance pay for clean up and removal?
Generally, the fallen tree must cause damage to your home or property before
the insurance company is obligated to pay for clean up and removal. However, the
insurance company will pay for removal of a tree that is on your house, deck furniture, or
fence and some policies will pay for removal of trees that fall and block your driveway.
Q.17 If a neighbor’s tree falls on my property and hits my home, should my
neighbor’s insurance pay?
Generally, no. Unless negligence can be proven the neighbor’s policy covers
his/her house and your policy covers your house.
Q.18 If my business maintained vehicles which were damaged as a result of the
storms, is there coverage under my commercial auto policy?
The coverage depends upon the cause of the loss and upon whether you
purchased Comprehensive Coverage, Specified Causes of Loss Coverage, or Collision
Coverage. Specified Causes of Loss Coverage typically covers damage caused by fire,
theft, windstorm, flood, mischief or vandalism. Comprehensive Coverage typically
covers any cause of loss except collision or overturn. If you purchased only Collision
Coverage, then there likely is no coverage.
Q.19 My business property was damaged due to the storms. Is there coverage
under my commercial property policy for damage to the structure and for lost or
damaged contents?
The typical commercial property policy will pay for direct physical loss or damage
to covered property, including business personal property located in or on the premises,
resulting from a covered cause of loss. However, such policies may contain exclusions
for flood (including surface water, waves, tides, tidal waves, overflow of any body of
water, whether driven by wind or not) or collapse. You will need to refer to your policy to
determine if there are exclusions that apply. If your policy provides coverage, it may also
pay for the expense to remove debris off covered property.
Q.20 Am I entitled to replacement cost for covered property under my business’
commercial property policy?
The policy typically will allow actual cash value, which takes into consideration
depreciation of the property. However, you may have purchased an endorsement which
provides coverage on a replacement cost basis.
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Q.21 My business has not been operational since the storms. Is there
insurance coverage for my lost business?
If you have Business Interruption and Extra Expense coverage, you may be
entitled to recover the net profits and fixed charges and expenses you fail to earn
because of business interruption resulting from an accident. You may also be entitled to
recover the extra expense of operating your business from the day of the accident until
normal operations are restored.
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G. WILLS AND ESTATES
The Iowa Probate Code, or Iowa Code Chapter 633, governs the payment of
debts and distributions of the deceased individual’s assets. This body of law is highly
statutory and Chapter 633 is the best resource for any questions you may have.
After a person passes away (also known as the “decedent”), their assets and
debts (that are not otherwise controlled by joint tenancy or by pay-on-death beneficiary
instructions) pass directly into his/her estate. All assets of the decedent belong to the
estate, subject to the aforementioned exceptions.
Q.1 A relative died as a result of the storm and we are not sure if she had a
will. What should we do?
First establish whether the decedent had a will, as that fact will channel the
probate process into either the [a] testate (with a will); or [b] intestate (without a will)
process.
First, relatives should search for the will in any place where the decedent may
have kept it. Often, the will is kept one of the following places:
• safe or lockbox;
• safety deposit box;
• in the decedent’s personal files;
• with a trusted friend or relative; or
• with the decedent’s attorney.
Under Iowa Code §633.285, any person in custody of the decedent’s will is
obligated by law to deliver the will to the court. This can be done by [a] directly filing the
will with the probate clerk of court; [b] delivering the will to the executor named in the
will or his/her attorney; or [c] delivering the will to the administrator or his/her attorney if
the estate is already open. Failure to deliver the will to the court may subject the person
in possession of the will to contempt of court.
If the relative suspects that the will is in a safety deposit box but the relative does
not have access to the safety deposit box, the estate may be opened as an “intestate”
estate. (see Question 54 below). After an administrator is appointed, the bank holding
the safety deposit box will grant the administrator access after presenting [1] Letters of
Appointment of Administrator; and [2] a government issued photo identification. If the
will is subsequently found in the safety deposit box, the attorney for the administrator
can then petition the court to convert the intestate estate into a testate estate.
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Q.2 We know that our relative does not have a will. What happens now?
Once determining that the decedent did not have a will, the relative should [a]
collect and “freeze” the assets of the estate; and [b] see an attorney practicing probate
law as soon as possible. If the intestate estate is probated, [c] an administrator will be
appointed to pay the debts of the estate and [d] distribute remaining assets
A. COLLECT AND “FREEZE” DECEDENT’S ASSETS.
It is important that no one distribute or give away any assets of the estate before
the court determines that the estate has sufficient funds to pay all of the decedent’s
debts. A person who distributes or gives away the assets of the estate can be
personally liable for the value of the assets to the estate. Only the decedent’s bills
necessary to maintain the real estate owned or rented by decedent (if any) should
immediately be paid. These bills include the mortgage payments, homeowner’s \
renter’s insurance, electrical, natural gas, water, or other bills necessary to maintain the
premises in its current condition. Other than those bills, no bills of the estate should be
paid until an administrator has been appointed, the period to file claims against the
estate passes, and the court determines the priority of the debts that should be paid.
B. INITIAL MEETING WITH AN ATTORNEY.
The initial meeting with the attorney is essentially an information gathering
session, so the relative is encouraged to bring as much information and as many
documents as he/she deems helpful.
The attorney will conduct an interview with the relative to determine a number of issues
and collect the following information:
1. whether the decedent had a will;
2. biographical information of the decedent, including the complete name,
address, social security number, marital status, the spouse’s name (if
applicable), date of birth, date of death, and location of death;
3. biographical information of the petitioning administrator including the
complete name, address, date of birth, social security number, date of
birth, contact information (phone numbers and e-mail address), and
relationship to the decedent;
4. biographical information on all known heirs at law including the
complete name, address, date of birth, social security number, date of
birth, contact information (phone numbers and e-mail address), and
relationship to the decedent;
5. information regarding the assets of the decedent, including recent bank
statements, investment portfolios, insurance policies, appraisals,
abstracts, promissory notes, contracts, and other documents reflecting
the decedent’s ownership interest in the asset;
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6. information regarding the debts of the decedent, including bills,
payment schedules, promissory notes, contracts, debtor contact
information and other documents reflecting the decedent’s debts.
This will provide the attorney with enough information to start the probate
procedure. If probate is necessary, the attorney will then prepare the following
documents necessary to open an intestate estate:
1. Confidential Notice to Clerk of Court;
2. Court Officer Oath;
3. Designation of Attorney;
4. Petition for Administration of Estate;
5. Order Admitting Estate to Probate (optional – check local rules); and
6. Bond or Waiver of Bond by Heirs.
Additionally, the attorney will obtain the Letters of Appointment of Administrator
which are required by third parties for the administrator to act on the estate’s behalf. The
attorney must also publish the Notice to Creditors in a local periodical, typically a
newspaper, once a week for two successive weeks. Attorneys must further check with
the Iowa Estate Recovery Program to determine whether any Medicaid liens exist
against the decedent’s estate and provide notice to all known creditors.
C. DUTIES OF THE ADMINISTRATOR.
After the administrator is appointed by the court, the attorney should prepare a
letter to the administrator detailing the administrator’s duties and how the goals of the
estate are best accomplished. The administrator will have essentially the same powers
over the decedent’s assets as the decedent did during his/her lifetime, but without the
range of discretion. The administrator must act for the benefit of the heirs at law and
owes the estate a duty of good faith, care, and fair dealing. If the court determines that
the administrator self-dealt or acted in bad faith, the administrator may be removed from
his/her position and be liable to the estate for any damages it may have incurred.
D. DISTRIBUTION OF ASSETS.
If the debts of the estate are paid in full and assets are still owned by the estate,
the remaining assets are distributed amongst the “heirs at law” according the Iowa
Rules of Inheritance, Iowa Code §633.210 - 633.226.
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Q.3 A relative died as a result of the storm and we know that she had a will.
What happens now?
If you determine that the decedent had a will and you are unable to find the
original will, see question 1 above.
Typically, only a properly executed will is enforceable in court. If you are unable
to locate the original will, but you have an executed copy, a relative or attorney may
petition the court to accept the exact copy of the will in the absence of the original. The
relative or attorney thereof will have the burden of proving to the court that [a] the
original will was destroyed, and [b] the copy of the will is identical to the executed
original. If the court finds as such, the court may open the estate using an exact copy of
the will, rather than the executed original.
Regardless of whether the relative is in possession of the original will or an
executed copy, the relative should [a] collect and “freeze” the assets of the estate; and
[b] deliver the will to an attorney practicing probate law as soon as possible. If the
testate estate is probated, [c] an executor will be appointed to pay the debts of the
estate and [d] distribute remaining assets
A. COLLECT AND “FREEZE” DECEDENT’S ASSETS.
It is important that no one distribute or give away any assets of the estate before
the court determines that the estate has sufficient funds to pay all of the debts. A
person who distributes or gives away the assets of the estate can be personally liable
for the value of the assets to the estate. Only the decedent’s bills necessary to maintain
the real estate owned or rented by decedent (if any) should be paid. These bills include
the mortgage payment, homeowner’s \ renter’s insurance, electrical, natural gas, water,
or other bills necessary to maintain the premises in its current condition. Other than
those bills, no bills of the estate should be paid until after an executor has been
appointed, the period to file claims against the estate passes, and the court determines
the priority of the debts that should be paid.
B. INITIAL MEETING WITH AN ATTORNEY.
This initial meeting with the attorney is essentially an information gathering
session, so the relative is encouraged to bring as much information and as many
documents as he/she deems helpful.
The attorney will conduct an interview with the relative to determine a number of
issues and collect the following information:
1. whether the decedent had a will;
2. biographical information of the decedent, including the complete name,
address, social security number, marital status, date of birth, date of
death, and location of death;
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3. biographical information of the petitioning administrator including the
complete name, address, date of birth, social security number, date of
birth, contact information (phone numbers and e-mail address), and
relationship to the decedent;
4. biographical information on all known heirs at law including the
complete name, address, date of birth, social security number, date of
birth, contact information (phone numbers and e-mail address), and
relationship to the decedent;
5. information regarding the assets of the decedent, including recent bank
statements, investment portfolios, insurance policies, appraisals,
abstracts, promissory notes, contracts, and other documents reflecting
the decedent’s ownership interest in the asset;
6. information regarding the debts of the decedent, including bills,
payment schedules, promissory notes, contracts, and other documents
reflecting the decedent’s debts.
This will provide the attorney with enough information to start the probate
procedure. If probate is necessary, then the attorney will then prepare the following
documents necessary to open an intestate estate:
1. Confidential Notice to Clerk of Court;
2. Court Officer Oath;
3. Designation of Attorney;
4. Petition to Admit Will to Probate;
5. Order Admitting Will to Probate (optional – check local rules); and
6. Bond (if required by the Will).
Additionally, the attorney will obtain the Letters of Appointment of Executor which
are often required by third parties for the executor to act on the estate’s behalf. The
attorney must also publish the Notice to Creditors in a local periodical, typically a
newspaper, once a week for two successive weeks. Attorneys must further check with
the Iowa Estate Recovery Program to determine whether any Medicaid liens exist
against the decedent’s estate and give notice to all known creditors.
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C. DUTIES OF THE EXECUTOR.
After the executor is appointed by the court, the attorney should prepare a letter
to the executor detailing the executor’s duties and how the goals of the estate are best
accomplished. The executor will have essentially the same powers over the decedent’s
assets as the decedent did during his/her lifetime, but must act for the benefit of the
beneficiaries of the will and owes the beneficiaries the duties of good faith, care, and fair
dealing. The executor must also act in accordance with the intentions of the will. If the
court determines that the executor self-dealt, acted in bad faith, or acted contrary to the
intentions of the will, the executor may be removed from his/her position and be liable to
the estate for any damages it may have incurred.
D. DISTRIBUTION OF ASSETS.
If the debts of the estate are paid in full and assets are still owned by the estate,
the remaining assets are distributed amongst the beneficiaries of the will according to
the distribution scheme enumerated in the will.
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H. HEALTH CARE ISSUES
Information on Public Health Assistance
For information concerning flood assistance services being offered in Iowa, visit
the following websites or links:
IOWA
http://www.flood2008.iowa.gov/
Iowa Department of Public Health
http://www.idph.state.ia.us/
Iowa Department of Human Services
http://www.dhs.state.ia.us/Consumers/Assistance_Programs/CashAssista
nce/DisasterAssistance/StormHelp.html
Q.1 Do I need to get any vaccines before I return to clean up my home, which
sustained damage in the flood?
The Iowa Department of Public Health issued a press release on 6/15/08, saying
that flooding has not been shown to be a risk factor for tetanus or hepatitis A.
In cases where you or a family member have sustained a cut or skin abrasion,
first check your immunization records. If you are unsure or have not received a tetanus
booster in the last five years, see your medical provider. “A more likely threat during
flooding exists in regard to personal injury, especially carbon monoxide poisoning,”
(Public Health Director Tom) Newton added. “The key is to exercise caution, wash
hands regularly with soap and clean water for at least 20 seconds, and seek medical
attention if you experience symptoms of carbon monoxide poisoning, such as headache,
dizziness, weakness, or nausea.” For information about flood-related health issues, visit
www.idph.state.ia.us and look under "Topics of Interest" for flood information.
Q.2 How should I clean up mold in my home?
The federal Centers for Disease Control and Prevention (CDC) has issued
guidelines for the safe and effective cleanup of household mold, which many will
experience after a flood. Please view the mold removal and cleanup guidelines at:
http://www.bt.cdc.gov/disasters/pdf/flyer-get-rid-of-mold.pdf
And in Spanish at:
http://www.bt.cdc.gov/disasters/espanol/pdf/flyer-get-rid-of-mold-spanish.pdf
There is also a 15 page easy-to-read document on the EPA’s website about cleaning
your house after a flood at:
http://www.epa.gov/mold/flood/flood_booklet_en.pdf
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And in Spanish at:
http://www.epa.gov/mold/flood/flood_booklet_sp.pdf
There is more information about flood clean-up at:
http://www.epa.gov/mold/flood/index.html
http://www.epa.gov/naturalevents/flooding.html#flodding
http://www.idph.state.ia.us/adper/common/pdf/flood/reenter_home.pdf
Q.3 I did not bring my children’s immunization records with me when we
evacuated -- can I still enroll them in new schools?
You should be able to obtain a copy of your children’s immunization records from
your children’s doctor.
There is a federal law that requires a school to enroll a child, even without proof
of immunization, proof of residency, or birth certificates, if the child is considered to be
homeless. “Homeless” is defined in the McKinney-Vento Act (42 USC 11434a) as
including “sharing the housing of other persons due to loss of housing, economic
hardship or a similar reason, living in motels, hotels, trailer parks, or camping grounds
due to lack of alternative adequate accommodations, and living in emergency or
transitional shelters,” in addition to other situations.
Q.4 I need to enroll my child at a new school following my family’s evacuation
and do not have the birth card he/she will need to do so. Where can I obtain one?
There is a federal law that requires a school to enroll a child, even without proof
of immunization, proof of residency, or birth certificates, if the child is considered to be
homeless. “Homeless” is defined in the McKinney-Vento Act (42 USC 11434a) as
including “sharing the housing of other persons due to loss of housing, economic
hardship or a similar reason, living in motels, hotels, trailer parks, or camping grounds
due to lack of alternative adequate accommodations, and living in emergency or
transitional shelters,” in addition to other situations.
In order to obtain a new copy of your child’s birth certificate,
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• You can request a certified copy at the Iowa Department of Public
Health’s website:
http://www.vitalchek.com/Campaign?site=2&clickid=602356883953090
562. You can pay by credit card. There is a $13.00 fee in addition to
the $15.00 record search fee. It may take up to 3 weeks to process
your request.
• You can also send an Application for a Search for an Iowa Vital Record
to the Iowa Department of Public Health. A $15.00 fee is required for
the record search and it includes one copy of the record. The form is
available at: http://www.idph.state.ia.us/apl/health_statistics.asp
Upon completion of the application form with a notarized signature, attach a
check or money order payable to the 'Iowa Department of Public Health,' a clear
photocopy of the applicant's current, government-issued photo identification, and submit
to:
Iowa Department of Public Health
Bureau of Health Statistics
Lucas State Office Building, 1st Floor
Des Moines, Iowa 50319-0075
You can also call the Iowa Department of Public Health at (515) 281-4944 from
7:00 a.m to 4:45 p.m., Monday through Friday, except for state-observed holidays. You
can request a copy over the phone and pay with a credit card. Credit cards currently
being accepted include American Express, Discover, Mastercard, and Visa. Should
callers choose the credit card option, they will be connected to a health statistics
operator, who will explain the charges, run the card number through a credit check, and
take the person's required information. The fee to screen the credit card and
authenticate the caller is $9.00 in addition to the $15.00 record fee charged by the
department. It may take up to 3 weeks to process your request.
You can also call a toll-free number 866-809-0290 from 7:00 am EST - 8:00 pm
EST. If you choose the toll-free number an operator will take your information, screen
the credit card, authenticate your identity and complete your order. The fee to screen the
credit card, authenticate the caller, and the extended customer service hours is $13.00
in addition to the $15.00 record fee charged by the department. It may take up to 3
weeks to process your request.
Q.5 I evacuated from the flood and now I have no means of paying for my
prescription medications - what can I do?
For all Medicare Part D prescription benefit plans, the federal Department of
Health and Human Services has waived the rules that prevent early refills of
prescriptions. This should enable patients to get refills before the 30 days have passed.
You may also want to see if your physician can give you free samples of
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medications. You can also try going to a Free Medical Clinic in your area to see if they
can give you free samples of medications.
Another option is to request prescription assistance from a pharmaceutical
company. See https://www.pparx.org/Intro.php
Q.6 I have a relative who is a senior citizen or disabled and need help relocating
him or her. Whom can I call?
You can call your local Area Agency on Aging to see if there are any facilities in
your area that have openings. You can also check with the United Way’s 211 phone
number or go to their website: http://www3.irissoft.com/iowa/
In Iowa City, Legacy Gardens and Legacy Pointe Senior Living Communities
located at 1020 South Scott Blvd, Iowa City, IA will provide emergency flood relief for
senior citizens that are forced to evacuate their homes due to the flooding. They will
provide an apartment and three meals per day for all seniors 65 and older in Linn and
Johnson Counties FREE of charge for up to 7 days per person. Please call (319) 338-
4404, or Karen Davis 319-430-5971.
Q.7 Where can I take my pet or pick up my pet?
Questions about the animal flood shelter efforts can be answered by calling:
Des Moines: Animal Rescue League at 515-262-9503 from 9:30 a.m. – 7 p.m.
Outside of these hours contact Josh Colvin at 515-979-4229.
Iowa City: Iowa City Animal Care and Adoption Center at (319) 356-5295.
Cedar Rapids: Animal Shelter at Kirkwood Community College Iowa Equestrian
Center, 319-398-4980
Ottumwa: The Heartland Humane Society at 314 Fox-Sauck Road, at 641-682-
1228.
The Humane Society of the United States Animal Rescue Team helped rescue
stranded pets in Cedar Rapids. See an article at:
http://www.hsus.org/hsus_field/hsus_disaster_center/disasters_press_room/fieldnotes.h
tml
Q.8 My family member was in a hospital before the storm and we need to know
where he/she was evacuated. How can we find out?
For a flood or weather-related emergency related to health facilities, please call 515-
669-0976.
Mercy Hospital in Cedar Rapids was evacuated on Friday, June13, 2008. Patients were
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taken to hospitals and nursing homes throughout central and eastern Iowa. A help line
has been established for concerned family and friends. Questions may be directed to
Mercy's Pastoral Care Department at 319-398-6106.
HIPAA
Q.9 Are there exceptions to the HIPAA (Health Insurance Portability and
Accountability Act of 1996) requirements in the event of a disaster?
As you may know, HIPAA established fairly stringent privacy and
disclosure requirements for health care providers. There are certain exceptions to
these requirements in the event of a disaster. The following provides a summary
of what patient information can be shared in order to assist disaster relief efforts:
• Treatment. Health care providers can share patient information as
necessary to provide treatment.
o Treatment includes
sharing information with other providers (including
hospitals and clinics),
referring patients for treatment (including linking
patients with available providers in areas where the
patients have relocated), and
coordinating patient care with others (such as
emergency relief workers or others than can help in
finding patients appropriate health services.
o Providers can also share patient information to the extent
necessary to seek payment for these health care services
• Notification. Health care providers can share patient information as
necessary to identify, locate and notify family members, guardians, or
anyone else responsible for the individual’s care of the individual’s
location, general condition, or death.
o The health care provider should get verbal permission from
individuals, when possible; but, if the individual is
incapacitated or not available, providers may share
information for these purposes if, in their professional
judgment, doing so is in the patient’s best interest.
Thus, when necessary, the hospital may notify the
police, the press, or the public at large to the extent
necessary to help locate, identify or otherwise notify
family members and others as to the location and
general condition of their loved ones.
o In addition, when a health care provider is sharing
information with disaster relief organizations that, like the
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American Red Cross, are authorized by law or by their
charters to assist in disaster relief efforts, it is unnecessary to
obtain a patient’s permission to share the information if doing
so would interfere with the organization’s ability to respond to
the emergency.
• Imminent Danger. Providers can share patient information with anyone as
necessary to prevent or lessen a serious and imminent threat to the health
and safety of a person or the public – consistent with applicable law and
the provider’s standards of ethical conflict.
• Facility Directory. Health care facilities maintaining a directory of patients
can tell people who call or ask about individuals whether the individual is
at the facility, their location in the facility, and general condition.
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I. PERSONAL BANKRUPTCY ISSUES
Extensive flooding and tornadoes in Iowa are expected to make some storm
victims think about filing bankruptcy. Below is a summary of some common questions
about bankruptcy.
Q.1 What is involved in the bankruptcy process?
A bankruptcy case begins with the filing of a petition, schedules (forms on which
the debtor lists his/her property, secured debts, unsecured debts, exemptions, and other
information) and a statement of financial affairs that provides personal information.
Before filing, debtors will be required to take a credit counseling course either online,
over the phone or in person.
In a Chapter 7 case, the court will appoint a trustee to represent the interests of
creditors. About one month after filing, the Debtor must attend the “meeting of creditors”
with the trustee to answer questions regarding his/her assets and liabilities. Creditors do
not usually show up for these meetings. The creditor meeting is usually short, often
lasting less than five minutes. After the meeting, the trustee seeks to recover funds for
creditors through selling nonexempt property or recovering preferential payments to
creditors or fraudulent transfers. The proceeds are distributed to the creditors. About
two months after the meeting, a Debtor will receive his/her discharge of debts. A
Chapter 13 bankruptcy case begins by filing the same papers as in a Chapter 7. In
addition, a debtor must file a repayment plan that obligates him/her to pay some or all of
their debts over a 3-5 year period. Debtors make payments directly to the Chapter 13
trustee. The trustee then pays creditors according to the terms of the plan. When
creditors have been repaid according to the plan, a debtor will be discharged from all
debts listed in the bankruptcy.
Q.2 Which debts are not discharged in bankruptcy?
In general, debtors can’t obtain a discharge for: (1) back alimony and support, (2)
student loans, (3) damages resulting from driving under the influence, (4) court-ordered
restitution or criminal fines included in the sentence for conviction of a crime, (5) debts
incurred by fraud, (6) damages for willful and malicious injury to someone else’s person
or property, and (7) certain taxes and tax penalties. There are exceptions to these rules
though so be sure to consult an attorney.
Q.3 Does a bankruptcy filing stop a wage garnishment?
Yes. This is a result of the automatic stay that occurs when you file a bankruptcy
petition.
Q.4 What is a discharge in bankruptcy?
A "discharge" in bankruptcy means that you are legally free and clear of any
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obligation to repay certain debts. The creditor no longer has any right to collect that
debt. The debtor no longer has any obligation to repay it.
Q.5 How can I escape from my student loan debt?
Student loans are dischargeable only on a showing of “undue hardship.” The
undue hardship standard is very hard to meet and there is currently no statute of
limitations for the collection of student loan debt.
Q.6 Can I repay a creditor if I want to - even after bankruptcy?
Yes. You can voluntarily repay a debt even if it would be discharged by your
bankruptcy.
Q.7 What is the automatic stay?
The “automatic stay” prevents a creditor from continuing to enforce a claim
against a debtor during the life of the bankruptcy case. This means that creditors cannot:
(1) File a new lawsuit, or continue a lawsuit that had already been filed; (2) Collection
letters; (3) Refuse to issue a transcript of school records; or (4) cancel your driver’s
license.
Q.8 I'm Married, Can I File by Myself?
Yes, but your spouse will still be liable for any joint debts. If you file together you
will be able to double your exemptions. In some cases where only one spouse has
debts, or one spouse has debts that are not dischargeable then it might be advisable to
have only one spouse file.
Q.9 Where do I file if I haven't lived in the same state or district for the last six
months?
A bankruptcy case should be filed where the debtor has lived "for the one
hundred and eighty days immediately preceding” the filing, “or for a longer portion of
such one-hundred-and-eighty-day period." This means that the case should be filed in
the bankruptcy district in which the debtor has lived for the greater portion of the last six
months.
Q.10 If I am going through a divorce, how will my ex-spouse filing bankruptcy
affect our divorce settlement?
A person who files for Chapter 7 bankruptcy cannot discharge alimony,
maintenance, and/or support debts.
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Q.11 Will my retirement plan be protected?
Yes, if the funds are in a qualified account. Retirement plans that are ERISAqualified
are protected and are not included as property of the bankruptcy estate.
Q.12 What effect does bankruptcy have on child support?
Any back payments owed for child support cannot be discharged in a bankruptcy
proceeding.
Q.13 What about Co-signers?
If someone has co-signed a loan with you and you file for bankruptcy, the cosigner
may have to pay your debt.
Q.14 Will my filing bankruptcy stop a foreclosure?
Filing a Chapter 7 bankruptcy temporarily stalls your lender’s right to foreclose,
until it gets permission to go forward with the foreclosure proceedings. Persons
commonly choose to file a Chapter 13 bankruptcy claim when the Debtor is facing
foreclosure on a mortgage.
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J. REPLACING LOST DOCUMENTS
Q.1 Some of my important documents were destroyed during the disaster.
What do I do?
Bank and investment account records
There is no indication that banks have lost any records, so you should contact
your bank directly regarding any records you have lost and request duplicates. The
FDIC has encouraged banks to be accommodating as a result of the flood.
Claims for lost, stolen or destroyed United States savings bonds, bearer
securities or registered securities can be made directly to the United States Treasury
Department at (www.treasurydirect.gov).
Birth, death, marriage certificates, divorce decrees
Birth, death, and marriage certificates are kept by the state in which the event
occurred. For Iowans, the Iowa Department of Public Health keeps such Vital Records.
These records typically cost $15 per request (subject to additional credit card fees and
shipping fees). These records may be requested in the following manners:
Phone: (515) 281-4944
Mail: Iowa Department of Public Health
Bureau of Health Statistics
Lucas State Office Building, 1st Floor
Des Moines, IA 50319
Online: http://www.idph.state.ia.us/apl/health_statistics.asp
In Person: Iowa Department of Public Health
Bureau of Health Statistics
Lucas State Office Building, 1st Floor
Des Moines, IA 50319
In order to facilitate the request, the requesting party should have information
relevant to the particular request, which may include some or all of the following: date of
birth, place of birth, parents’ full names, date of marriage, place of marriage, date of
death, place of death, and requestor’s reason for the order and/or relationship to the
person the vital record pertains to.
For additional information and instructions on obtaining birth, death, and marriage
certificates, visit the Iowa Department of Public Health website at:
http://www.idph.state.ia.us/apl/health_statistics.asp
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Additionally, birth, death and marriage certificates are kept in the county which
the event occurred. To obtain a copy of these Vital Records, contact the local County
Recorder and request a copy. Rates and fees for these certificates may vary from
county to county.
Divorce records certify that a divorce was recorded and contain other
administrative material including divorce date and location. They are available in the
same manner as birth, death and marriage certificates (as described above). However,
divorce decrees, which contain the substantive terms and conditions of the divorce
ruling / agreement, are filed with the court in the county in which the divorce occurred.
To obtain a copy, go to the County Clerk of Court where the divorce occurred and
request a copy of the divorce decree. Research, copy, and delivery fees may vary from
county to county. Provide the Clerk with names of the parties, the case number, and the
date of the divorce decree. In order to obtain this information, perform an Iowa Courts
Online Search at: http://www.iowacourts.state.ia.us/ESAWebApp/TrialSimpFrame
Driver’s license, passports, vehicle registration, and ownership documents.
The Iowa Department of Motor Vehicles has your photo in its databank and
should be able to assist you with submitting a new application and obtaining a new
drivers license. A new passport can be obtained at your local post office or Government
Passport Office (http://travel.state.gov/passport/forms/forms_847.html). Vehicle Titles
can be obtained in the county office where the vehicle is registered.
Deeds
These records are kept in the County Recorder’s office in the county in which the
property is located. You may also want to contact the company who last continued your
abstract for further information.
Food stamps
Special rules let the food stamp office help victims of disasters. Individuals who
may not otherwise be eligible for food stamps may qualify if (i) such individuals were
flood victims, (ii) the flood closed or destroyed stores or stopped the stores from getting
supplies, (iii) such individuals only need food for a short time; and (iv) stores are now
selling food again.
The food stamp office will also replace the actual value of food destroyed in a
disaster such as a flood if you are currently on food stamps. You must report to the food
stamp office what happened within 10 days. It will then verify what happened by
contacting Red Cross or someone else who can verify the circumstances or by coming
to your home. The food stamp office can replace up to the maximum monthly food
stamp allotment for your household size.
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Immigration documents
If you are a permanent resident who needs to replace your green card, or
conditional resident who needs to replace your two-year card that has been lost or
destroyed, you may apply for a replacement card by filing a USCIS Form I-90 with the
U.S. Citizenship and Immigration Services (http://www.uscis.gov/portal/site/uscis).
Medicare/Medicaid cards
Go to the Social Security Administration office and request a replacement card
(https://s044a90.ssa/gov/apps6a/IMRC/main.html).
Social Security cards
If you depend on social security benefits, you will need to contact the Social
Security Administration to verify your social security number and request a new card.
For more information go to www.socialsecurity.gov/emergency or
www.ssa.gov/replace_sscard.html.
To get your social security check, go to the nearest office of the Social Security
Administration which can be located by calling 1-800-772-1213.
Credit cards
If credit cards are lost, you should call the bank that issued the card and get a
new one as soon as possible. Be careful of identity theft as well. One way to combat
identity theft is to put a fraud alert on an individual’s credit report by contacting
TransUnion (800-680-7289), Equifax (800-525-6285) or Experian (888-397-3742).
Tax returns
To obtain copies of your federal tax returns, contact the IRS Service Center at
www.irs.gov or 1-800-829-1040. To obtain copies of your state tax returns, contact the
State of Iowa at www.state.ia.us/tax or 1-800-367-3388.
Wills and other estate planning documents
Normally, wills and other estate planning documents (also known as
testamentary documents) are not enforceable unless you have the executed original
documents. If that document is destroyed, you will need to obtain and execute a new
one. However, a copy of the destroyed original testamentary document may be used as
a template for the new one, thus saving you time and money in creating a new one.
If the testamentary document was created by an attorney, the attorney will likely
have a copy in his/her file or will have often provided copies to heirs, those acting as a
general power of attorney, a durable power of attorney, or your primary physician
regarding Living Wills.
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Whether you are able to obtain copies of the testamentary document or not,
contact your attorney to help you execute new originals of the documents. Iowa has
strict laws to ensure the validity of testamentary documents, so consult your attorney to
ensure that the documents are property executed, witnessed, and/or notarized.
For instance, Iowa Code §633.283 requires that a will be:
1. in writing (or typewritten)
2. signed by the testator or testatrix
3. declared by testator or testatrix to be his or her will; and
4. witnessed by two competent, disinterested witnesses of legal age who:
a signed at the request of the testator or testatrix;
b singed in the presence of the testator or testatrix; and
c signed in the presence of each other.
5. Optional: notarized by a Notary Public In and For the State.
Many attorneys will only charge a nominal fee for re-executing testamentary
documents which are already in his/her possession or copies which required little of the
attorney’s time.
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K. RESOURCE AND REFERRAL GUIDE LOCAL RESOURCES
Statewide:
FEMA (Federal Emergency Management Adminstration)
Phone:1-800-621-3362 (Press 1 to apply for Disaster Assistance)
TTY (Hearing Impaired): 1-800-462-7585
Technical Assistance: (800) 745-0243
Fax: 1 (800) 827-8112
On-line applications: http://www.fema.gov/assistance/index.shtm
Go to https://asd.fema.gov/inter/locator/drcLocator.jsp for closest Center, hours, and
services.
Whenever possible, applicants are urged to make a phone or on-line application , rather
than first going to a recovery center. FEMA is accepting applications for Disaster
Unemployment Benefits (Deadline: most recently updated to August 11, 2008 for some
counties) and Individual Assistance (Deadline: September 29, 2008). Individual
Assistance allows homeowners, renters, business owners and non-profit organizations
to recover from the effects of severe storms, tornadoes and flooding that began May 25
and continues. These deadlines are accurate as of July 10, 2008 but may be enlarged
based upon later proclamations.
Disaster Unemployment Insurance
Iowa Workforce Development
515-281-5387 or 800 JOB-IOWA
For Deaf or Hard of Hearing, Use Relay 711
http://iowaworkforce.org/recovery
1000 East Grand Avenue
Des Moines, IA 50319-0209
Special Unemployment Insurance benefits for persons living and/or working in counties
declared disasters by Presidential proclamation. Deadline for application is based on
disaster declaration date; as of July 10, the most recently updated deadline is August
11, 2008 for some counties. This deadline is accurate as of July 10, 2008, but may be
enlarged. Check the Iowa Workforce Development website for updates. Can also apply
through FEMA.
Iowa Attorney General Consumer Protection
Toll Free: 1-888-777-4590
Fax 515-281-6771
http://www.iowa.gov/government/ag/consumer
1305 E. Walnut Street
Des Moines, IA 50319
Process complaints from consumer who believe they are getting scammed on repairs,
replacing damaged property, etc.
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Iowa Department of Human Services
Toll Free: (877) 937-3663
To apply for State Individual Assistance Program benefits. Iowa residents who sustained
damage in this year’s storms or floods should apply for federal or state-only disaster
assistance grants if they are available (e.g. if the county is under the Presidential
Disaster proclamation). Residents are not eligible for both. By design, the federal
program is far more generous than the state-funded Iowa-only program. Deadlines and
declared counties may be changed (e.g. 8 counties were added to the FEMA list, and
thus removed from the State list, as of July 8, 2008). As of July 10, 2008, the application
deadline for this program is August 15, 2008.
Iowa Insurance Division, Consumer Affairs Bureau
Phone 515-281-5705
Fax 515-281-3059
Toll Free Consumer Line: 877-955-1212
http://www.iid.state.ia.us
330 Maple Street
Des Moines, IA 50319-0065
Process complaints from consumers about how insurance claims were handled, and/or
whether coverage was denied or insufficient.
Iowa Utilities Board
Toll-free 877-565-4450
Fax 515-281-5329
http://www.state.ia.us/government/com/util
350 Maple Street
Des Moines, IA 50319-0069
Process complaints concerning utilities.
United Way
For local disaster information or assistance, call 211.
By County:
NOTE: Listings below are for each county’s Emergency Management Coordinator,
which is the centralized contact agency. Stars are used to indicate the status of a given
county’s disaster declaration & relevant opportunities for assistance, as follows:
These counties have been declared a federal disaster by the President for
purposes of eligibility for FEMA Individual Assistance. These benefits
allow homeowners, renters, business owners and non-profit organizations
to recover from the effects of severe storms, tornadoes and flooding that
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began May 25 and continues. This list is accurate as of July 10, 2008, but
additional counties may be declared eligible for FEMA help in the future. It
is important to check with FEMA for updates.
These counties have been declared a disaster by Governor Culver’s
Proclamation. Residents not eligible for FEMA benefits (except possible
Disaster Unemployment, if place of work is in a federal disaster county).
This list is accurate as of July 10, 2008, but additional counties may be
declared eligible for FEMA help in the future. It is important to check with
FEMA for updates.
These counties either have not been declared a disaster, or are a disaster
only for the purposes of public assistance for governments only, and not
individuals.
1 ADAIR:
Robert Kempf. Coordinator
Adair Co. Emergency Management Agency
200 N. 5th Street
Guthrie Center, IA 50115
641/322-3030
Fax: 641/747-3346
guthrieEMA@guthriecounty.org
2 ADAMS:
Donald D. Willet, Coordinator
Adams Co. Emergency Management Agency
901 7th Street
Corning, IA 50841
641/322-3623
Fax 641/322-5292
cfd11@frontiernet.net
3 ALLAMAKEE:
Chris Dahlstrom, Coordinator
Allamakee Co. Emergency Management Agency
1100 Allamakee Street
Waukon, IA 52172
563/568-4233
Fax: 563/568-4978
cdahlstrom@co.allamakee.ia.us
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4 APPANOOSE:
Jerald Ballanger, Coordinator
Appanoose Co. Emergency Management Agency
12307 Highway 5
P.O. Box 399
Moravia, IA 52571
641/724-3223
Fax 641/724-3273
adlmema@iowatelecom.net
5 AUDUBON:
Lester Larson, Coordinator
Audubon Co. Emergency Management Agency
606 S. Division Street
Audubon, IA 50025
712/563-3483
Fax 712/563-3730
auddissvc@iowatelecom.net
6 BENTON:
Scott E. Hansen, Coordinator
Benton Co. Emergency Management Agency
111 E. 4th
P.O. Box 398
Vinton, IA 52349-0398
319/472-4519
Fax 319/472-5451
bentoncountyema@mebbs.com
7 BLACK HAWK:
Barbara Berquam, Coordinator
Black Hawk Co. Emergency Management Agency
1925 Newell Street
Waterloo, IA 50707
319/291-4373
Fax 319/291-6104
bhcema@co.black-hawk.ia.us
8 BOONE:
David E. Morlan, Coordinator
Boone Co. Emergency Management Agency
75
909 W. Mamie Eisenhower Avenue
Boone, IA 50036-3915
515/433-0592
Fax 515/432-2489
davem@co.boone.ia.us
9 BREMER:
Kip Ladage, Coordinator
Bremer Co. Emergency Management Agency
111 - 4th Street, N.E.
Waverly, IA 50677
319/352-0133
kladage@co.bremer.ia.us
10 BUCHANAN:
Rick Wulfekuhle, Coordinator
Buchanan Co. Emergency Management Agency
210 - 5th Avenue, N.E.
Independence, IA 50644
319/344-6411
Fax 319/334-7498
bcem@indytel.com
11 BUENA VISTA:
Robert Christensen, Coordinator
Buena Vista Co. Emergency Management Agency
411 Expansion Blvd.
P.O. Box 276
Storm Lake, IA 50588
712/749-2705
Fax 712/732-3397
bobc@bvema.com
12 BUTLER:
Steve Ulrichs, Coordinator
Butler Co. Emergency Management Agency
428 - 6th Street
P.O. Box 325
Allison, IA 50602
319/267-9967
Fax 319/267-2532
sulrichs@butlercoiowa.org
76
13 CALHOUN:
Kerrie Hull, Coordinator
Calhoun Co. Emergency Management Agency
501 Court Street
Rockwell City, IA 50579
712/297-8323
Fax 712/297-7530
khull@calhouncountyiowa.com
14 CARROLL:
Derek White, Coordinator
Carroll Co. Emergency Management Agency
114 E. 6th Street
Carroll, IA 51401
712/775-2166
Fax 712/775-2058
ccemd@co.carroll.ia.us
15 CASS:
Jeremiah Thompson, Coordinator
Cass Co. Emergency Management Agency
5 W. 7th Street
Atlantic, IA 50022
712/243-1500
Fax 712/243-6679
jthompson@casscoia.us
16 CEDAR:
Mary Vavra, Coordinator
Cedar Co. Emergency Management Agency
711 E. South Street
Tipton, IA 52772
563/886-3355
mvavra@cedarcounty.org
17 CERRO GORDO:
Steve O’Neill, Coordinator
Cerro Gordo Co. Emergency Management Agency
78 S. Georgia Street
Mason City, IA 50401
77
641/421-3665
Fax 641/421-3662
soneil@co.cerro-gordo.ia.us
18 CHEROKEE:
Aimee Barritt, Coordinator
Cherokee Co. Emergency Management Agency
520 W. Main Street
Box D
Cherokee, IA 51012
712/225-6721
Fax 712/225-6733
cherema@iowatelecom.net
19 CHICKASAW:
Ken Rasing, Coordinator
Chickasaw Co. Emergency Management Agency
116 N. Chestnut Avenue
P.O. Box 214
New Hampton, IA 50659-0214
641/394-2406
Fax 641/394-4173
chiras@iowatelecom.net
20 CLARKE:
Allan Mathias, Coordinator
Clarke Co. Emergency Management Agency
100 S. Main Street
Osceola, IA 50213
641/342-6654
Fax 641/342-1545
clarkees1@iowatelecom.net
21 CLAY:
Eric Tigges, Coordinator
Clay Co. Emergency Management Agency
300 W. 4th Street, Suite 6A
Spencer, IA 51301
712/264-3987
etigges@co.clay.ia.us
78
22 CLAYTON:
Joel Biggs, Coordinator
Clayton Co. Emergency Management Agency
100 High Street
P.O. Box 464
Elkader, IA 52043
563/245-3004
Fax 563/245-3065
joelbiggs14@yahoo.com
23 CLINTON:
Chance R. Kness, Coordinator
Clinton Co. Emergency Management Agency
612 N. 2nd Street
P.O. Box 2957
Clinton, IA 52733-2957
563/242-5712
Fax 563/242-3095
ckness@clintoncountyiowa.com
24 CRAWFORD:
Gregory J. Miller, Coordinator
Crawford Co. Emergency Management Agency
38 N. Main Street
P.O. Box 473
Denison, IA 51442-0473
712/269-2422
Fax 712/263-2348
mlrlyte@frontiernet.net
25 DALLAS:
Barry Halling, Coordinator
Dallas Co. Emergency Management Agency
25749 ‘N’ Avenue
P.O. Box 56
Adel, IA 50003
515/993-2134
Fax 515/993-3476
dcema@dwx.com
26 DAVIS:
Jerald Ballanger, Coordinator
79
Davis Co. Emergency Management Agency
12307 Highway 5
P.O. Box 399
Moravia, IA 52571
641/724-3223
Fax 641/724-3273
adlmema@iowatelecom.net
27 DECATUR:
Richard Erke, Coordinator
Decatur Co. Emergency Management Agency
20401 N.W. Little River Lake Road
Leon, IA 50144
641/446-7307
Fax 641/446-4045
erke@grm.net
28 DELAWARE:
Mike Ryan, Emergency Management Coordinator
Delaware Co. Emergency Management Agency
301 E. Main Street
Manchester, IA 52057
563/927-3723
Fax 563/927-5561
mryan@co.delaware.ia.us
29 DES MOINES:
Gina Hardin, Coordinator
Des Moines Co. Emergency Management Agency
512 N. Main Street, Suite 1
Burlington, IA 52601
319/753-8206
Fax 319/753-8731
harding@co.des-moines.ia.us
30 DICKINSON:
Michael Ehret, Coordinator
Dickinson Co. Emergency Management Agency
1802 Hill Avenue, Suite 1202
Spirit Lake, IA 51360
712/336-3987
Fax 712/336-1850
80
dcem911@gmail.com
31 DUBUQUE:
Tom Berger, Coordinator
Dubuque Co. Emergency Management Agency
14928 Public Safety Way
Dubuque, IA 52002-8216
563/589-4170
Fax 563/589-0015
dbqema@yousq.net
32 EMMET:
Terry Reekers, Coordinator
Emmett Co. Emergency Management Agency
508 S. 1st Street
Estherville, IA 51334-2500
712/362-5702
Fax 712/362-2435
ematerf5@yourstarnet.net
33 FAYETTE:
William Ziegler, Coordinator
Fayette Co. Emergency Management Agency
114 N. Vine Street
P.O. Box 267
West Union, IA 52601
563/422-5856
Fax 563/5878
bziegler@co.fayette.ia.us
34 FLOYD:
Bridget Moe, Coordinator
Floyd Co. Emergency Management Agency
101 S. Main Street, Suite 108
Charles City, IA 50616-2756
641/257-6144
Fax 641/257-6306
floydema@floydcoia.org
35 FRANKLIN:
Steve O’Neill, Coordinator
81
Franklin Co. Emergency Management Agency
78 S. Georgia Street
Mason City, IA 50401
641/421-3665
Fax 641/421-3662
soneil@co.cerro-gordo.ia.us
36 FREMONT:
Chuck Larson, Coordinator
Fremont Co. Emergency Management Agency
2820 - 260th Street
Hamburg, IA 51640
712/374-2415
clarson@co.fremont.ia.us
37 GREENE:
Dennis Morlan, Coordinator
Greene Co. Emergency Management Agency
204 N. Grimmell Street
Box 416
Jefferson, IA 50129-0416
515/386-4404
Fax 515/386-8098
gcems@netins.net
38 GRUNDY:
Chris Heerkes, Coordinator
Des Moines Co. Emergency Management Agency
705 - 8th Street
Grundy Center, IA 50638
319/824-6933
Fax 319/824-5826
cheerkes@grundysheriff.org
39 GUTHRIE:
Robert Kempf, Coordinator
Guthrie Co. Emergency Management Agency
200 N. 5th Street
Guthrie Center, IA 50115
641/332-3030
Fax 641/747-3346
guthrieema@guthriecounty.org
82
40 HAMILTON:
Terry A. Johnston, Coordinator
Hamilton Co. Emergency Management Agency
2300 Superior Street
Webster City, IA 50595-3195
515/832-9518
Fax 515/832-9525
tjohnston@hamiltoncounty.org
41 HANCOCK:
Andrew Buffington, Coordinator
Hancock Co. Emergency Management Agency
875 State Street
P.O. Box 70
Garner, IA 50438-0070
641/923-2702
Fax 641/923-2460
hancoema@trvnet.net
42 HARDIN:
Douglas Riggs, Coordinator
Hardin Co. Emergency Management Agency
1201 - 14th Avenue
P.O. Box 173
Eldora, IA 50627
641/939-8132
Fax 641/939-8137
driggs@co.hardin.ia.us
43 HARRISON:
Larry Oliver, Coordinator
Harrison Co. Emergency Management Agency
111 S. 1st Avenue
Logan, IA 51546
712/644-2353
Fax 712/644-3711
hcema@harrisoncountyia.org
44 HENRY:
Ed Farley, Coordinator
83
Henry Co. Emergency Management Agency
220 W. Monroe Street
Mt. Pleasant, IA 52641
319/385-1479
Fax 319/385-1466
efarley@henrycountyiowa.us
45 HOWARD:
Darrell Knecht, Coordinator
Howard Co. Emergency Management Agency
124 S. Park Avenue
Cresco, IA 52136
563/547-1165
Fax 563/547-1165
dknecht@co.howard.ia.us
46 HUMBOLDT:
Pat Colwell, Coordinator
Humboldt Co. Emergency Management Agency
2221 - 220th Street
Humboldt, IA 50548
515/332-4809
Fax 515/332-5142
hczema@trvnet.net
47 IDA:
Edward Sohm, Coordinator
Ida Co. Emergency Management Agency
401 Morehead Street
Ida Grove, IA 51445-1429
712/364-2533
Fax 712/364-2746
idaemes@pionet.net
48 IOWA:
Alan Husband, Coordinator
Iowa Co. Emergency Management Agency
785 Cherry Avenue
Marengo, IA 52301-1010
319/642-3151
Fax 319/642-3826
iacoema@netins.net
84
49 JACKSON:
Lyn Medinger, Coordinator
Jackson Co. Emergency Management Agency
201 W. Platt Street
Maquoketa, IA 52060-2243
563/652-7036
Fax 563/652-6975
lmedinger@co.jackson.ia.us
50 JASPER:
Jim Sparks, Coordinator
Jasper Co. Emergency Management Agency
115 N. 2nd Avenue E.
Newton, IA 50208
641/792-7555
Fax 641/792-5254
ema@co.jasper.ia.us
51 JEFFERSON:
Jerry Calnon, Coordinator
Jefferson Co. Emergency Management Agency
1200 W. Grimes
Fairfield, IA 52556-2778
641/472-4146
Fax 641/469-3353
jerryemae911@lisco.com
52 JOHNSON:
Dave Wilson, Coordinator
Johnson Co. Emergency Management Agency
511 S. Capitol Street
Box 169
Iowa City, IA 52244
319/356-6028
Fax 319/339-6175
dwilson@co.johnson.ia.us
53 JONES:
Brenda Leonard, Coordinator
Jones Co. Emergency Management Agency
85
500 W. Main Street
Anamosa, IA 52205
319/462-4386
Fax 319/462-4386
ema@co.jones.ia.us
54 KEOKUK:
Larry G. Smith, Coordinator
Keokuk Co. Emergency Management Agency
515-1/2 N. Jefferson
P.O. Box 273
Sigourney, IA 52591-0273
641/622-2528
Fax 641/622-2139
lsmith5450@lisco.com
55 KOSSUTH:
Jim Kelly, Coordinator
Kossuth Co. Emergency Management Agency
121 W. State Street
Algona, IA 50511
515/295-5904
Fax 515/295-9304
kossema@co.kossuth.ia.us
56 LEE:
Steve Cirinna, Coordinator
Lee Co. Emergency Management Agency
811 Avenue ‘E’
P.O. Box 240
Ft. Madison, IA 52627
319/372-4124
Fax 319/372-7758
lee.county@iowa.gov
57 LINN:
Richard C. Mahaney, Coordinator
Linn Co. Emergency Management Agency
6301 Kirkwood Blvd.
P.O. Box 1387
Cedar Rapids, IA 52406-1387
319/363-2671
86
Fax 319/398-5316
rich.mahaney@linnema.com
58 LOUISA:
Thomas Colthurst, Coordinator
Louisa Co. Emergency Management Agency
12635 County Road G56
P.O. Box 313
Wapello, IA 52653
319/729-5870
Fax 319/729-5870
louisaema@louisacomm.net
59 LUCAS:
Jerald Ballanger, Coordinator
Lucas Co. Emergency Management Agency
12307 Highway 5
P.O. Box 399
Moravia, IA 52571
641/724-3223
Fax 641/724-3273
adlmema@iowatelecom.net
60 LYON:
Wayne Jepsen, Coordinator
Lyon Co. Emergency Management Agency
410 S. Boone
Rock Rapids, IA 51246
712/472-8330
Fax 712/472-2303
lyonlec@hickorytech.net
61 MADISON:
Todd Brown, Coordinator
Madison Co. Emergency Management Agency
112 N. John Wayne Drive
P.O. Box 152
Winterset, IA 50273
515/462-4255
Fax 515/462-3684
madisonemc@i-rule.net
87
62 MAHASKA:
Jamey A. Robinson, Coordinator
Mahaska Co. Emergency Management Agency
214 High Avenue E.
Oskaloosa, IA 52577
641/672-1209
Fax 641/673-2588
ema@mahaskacounty.org
63 MARION:
Jeff Anderson, Coordinator
Marion Co. Emergency Management Agency
214 E. Main Street
Knoxville, IA 50138
641/828-2256
Fax 641/828-2042
janderson@co.marion.ia.us
64 MARSHALL:
Deanna Bachman, Coordinator
Marshall Co. Emergency Management Agency
City Hall - 24 N. Center Street
Marhsalltown, IA 50158
641/754-6385
Fax 641/754-6389
dneldeberg@co.marshall.ia.us
65 MILLS:
Larry Hurst, Coordinator
Mills Co. Emergency Management Agency
418 Sharp Street
Glenwood, IA 51534
712/527-3643
Fax 712/527-4962
lhurst@millsctyema.org
66 MITCHELL:
Ray Huftalin, Coordinator
Marion Co. Emergency Management Agency
211 S. 6th Street
Osage, IA 50461
88
641/732-5872
Fax 641/732-3151
mitchell.county@iowa.gov
67 MONONA:
Randy Ross, Coordinator
Monona Co. Emergency Management Agency
909 - 7th Street
Onawa, IA 51040
712/433-1294
Fax 712/433-9595
mocoema@longlines.com
68 MONROE:
Jerald Ballanger, Coordinator
Monroe Co. Emergency Management Agency
12307 Highway 5
P.O. Box 399
Moravia, IA 52571
641/724-3223
Fax 641/724-3273
adlmema@iowatelecom.net
69 MONTGOMERY:
Tom Lewis, Coordinator
Montgomery Co. Emergency Management Agency
105 Coolbaugh
Red Oak, IA 51566
712/623-4940
Fax 712/623-2346
montgomerycountyemc@gmail.com
70 MUSCATINE:
Jeff Carter, Coordinator
Muscatine Co. Emergency Management Agency
Public Safety Bldg. - 312 E. 5th Street
Muscatine, IA 52761
563/288-2526
Fax 563/263-9340
muscatinecoema@machlink.com
89
71 O’BRIEN:
Anne Koontz, Coordinator
O’Brien Co. Emergency Management Agency
240 - 1st Street. N.E.
Box 482
Primghar, IA 51245-0482
712/757-4305
Fax 712/757-8305
obcema@tcaexpress.net
72 OSCEOLA:
Debra Geottig, Coordinator
Osceola Co. Emergency Management Agency
751 Johannes Street
Ashton, IA 51232
712/754-2381
Fax 712/754-4688
dgoettig@osceolacoia.org
73 PAGE:
Rod Riley, Coordinator
Page Co. Emergency Management Agency
615 Northwest Road
P.O. Box 569
Shenandoah, IA 51601-0569
712/246-4254
Fax 712/246-2871
rileyema@qwestoffice.net
74 PALO ALTO:
Mark Hunefeld, Coordinator
Palo Alto Co. Emergency Management Agency
1907 - 11th Street
Emmetsburg, IA 50536
712/852-4997
Fax 712/852-3247
paema@iowatelecom.net
75 PLYMOUTH:
Gary Junge, Coordinator
Plymouth Co. Emergency Management Agency
231 - 2nd Avenue, N.E.
90
LeMars, IA 51031
712/546-8101
Fax 712/546-8103
plyema@frontiernet.net
76 POCAHONTAS:
Tim McKiernan, Coordinator
Pocahontas Co. Emergency Management Agency
99 Court Square
Pocahontas, IA 50574-1629
712/335-3188
Fax 712/335-4300
tjmhsema@yahoo.com
77 POLK:
A. J. Mumm, Coordinator
Polk Co. Emergency Management Agency
111 Court Avenue
Des Moines, IA 50309
515/286-2107
Fax 515/323-5256
amumm@co.polk.ia.us
78 POTTAWATTAMIE:
Terry Hummel, Coordinator
Pottawattamie Co. Emergency Management Agency
227 S. 6th, Suite 23B
Council Bluffs, IA 51501
712/328-5777
Fax 712/328-5819
pott.ema@pottcounty.com
79 POWESHIEK:
Karen Meek, Coordinator
Poweshiek Co. Emergency Management Agency
609 - 4th Avenue
Grinnell, IA 50112
641/236-0160
Fax 641/236-0405
ema@poweshiekcosheriff.com
91
80 RINGGOLD:
Teresa Jackson, Coordinator
Ringgold Co. Emergency Management Agency
109 W. Madison Street, Suite 105
Mount Ayr, IA 50854
641/464-3344
Fax 641/464-0663
tjackson@iowatelecom.net
81 SAC:
Jim Bullock, Coordinator
Sac Co. Emergency Management Agency
1020 W Main Street
Sac City, IA 50583
712/662-4789
Fax 712/662-3316
sacesa@mchsi.com
82 SCOTT:
Ross Bergen, Coordinator
Scott Co. Emergency Management Agency
1609 State Street
Bettendorf, IA 52722
563/344-4054
Fax 563/823-4641
scema@msn.com
83 SHELBY:
Bob Seivert, Coordinator
Shelby Co. Emergency Management Agency
612 Court Street
Harlan, IA 51537
712/755-5160
Fax 712/235-6911
bsievert@shco.org
84 SIOUX:
Jake Anderson, Coordinator
Sioux Co. Emergency Management Agency
4363 Ironwoood Avenue, Suite 3
Orange City, IA 51041-7698
712/737-4010
92
Fax 712/737-3006
em@siouxcounty.org
85 STORY:
Lori Morrissey, Coordinator
Story Co. Emergency Management Agency
900 - 6th Street / Admin Bldg.
Nevada, IA 50201
515/382-7315
Fax 515/382-3349
storyema@aol.com
86 TAMA:
Roxanne Warnell, Coordinator
Tama Co. Emergency Management Agency
100 N. Main Street
P.O. Box 4
Toledo, IA 52342
641/484-6261
Fax 641/484-2198
rwarnell@tamacounty.org
87 TAYLOR:
Michael Ware, Coordinator
Taylor Co. Emergency Management Agency
1104 Dodge Street
Bedford, IA 50833
712/523-2840
Fax 712/523-2959
mickw@frontiernet.net
88 UNION:
Roger Nurnberg, Coordinator
Union Co. Emergency Management Agency
208 W. Taylor Street
Creston, IA 50801-3766
641/782-1622
Fax 641/782-2167
ucema@mchsi.com
93
89 VAN BUREN:
Jerry Calnon, Coordinator
Van Buren Co. Emergency Management Agency
1200 W. Grimes
Fairfield, IA 52556-2778
641/472-4146
Fax 641/469-3353
jerrymae911@lisco.com
90 WAPELLO:
Stephen O’Connor, Coordinator
Wapello Co. Emergency Management Agency
201 N. Wapello Street
Ottumwa, IA 52501
641/683-0666
Fax 641/683-0663
oconnors@ci.ottumwa.ia.us
91 WARREN:
Mahala Cox, Coordinator
Warren Co. Emergency Management Agency
115 N. Howard Street, Room 102
P.O. Box 337
Indianola, IA 50125
515/961-1105
Fax 515/961-1136
wcema@co.warren.ia.us
92 WASHINGTON:
Larry G. Smith, Coordinator
Washington Co. Emergency Management Agency
515-1/2 N. Jefferson
P.O. Box 273
Sigourney, IA 52591-0273
641/622-2528
Fax 641/622-2139
lsmith5450@lisco.com
94
93 WAYNE:
Bill Yeager, Coordinator
Wayne Co. Emergency Management Agency
100 N. Lafayette
P.O. Box 435
Corydon, IA 50060-0435
641/872-1903
Fax 641/872-2843
wacosan@grm.net
94 WEBSTER:
Tony Jorgensen, Coordinator
Webster Co. Emergency Management Agency
702 - 1st Avenue, S-LEC Bldg.
Ft. Dodge, IA 50501
515/573-1403
Fax 515/573-5232
ema@webstercountyia.org
95 WINNEBAGO:
Andrew Buffington, Coordinator
Winnebago Co. Emergency Management Agency
216 S. Clark Street
Forest City, IA 50436
641/585-1942
abuffington@winncosheriff.org
96 WINNISHIEK:
Bruce Goetsch, Coordinator
Winnishiek Co. Emergency Management Agency
400 Claiborne Drive
Decorah, IA 52101
563/387-4095
Fax 563/382-6099
ema96ia@netins.net
97 WOODBURY:
Gary E. Brown, Coordinator
Woodbury Co. Emergency Management Agency
121 Deer Run Trail
Climbing Hill, IA 51015
712/876-2212
Fax 712/876-2228
wcdes@netins.net
95
98 WORTH:
Ray Huftalin, Coordinator
Worth Co. Emergency Management Agency
211 S. 6th Street
Osage, IA 50461
641/732-5872
mitchell.county@iowa.gov
99 WRIGHT:
Jim Lester, Interim Coordinator
Wright Co. Emergency Management Agency
719 - 2nd Street, S.W.
P.O. Box 348
Clarion, IA 50525
515/532-3722
Fax 515/532-9026
jlester@co.wright.ia.us
DISASTER LEGAL SERVICES MANUAL
A Resource for Iowans and Iowa Lawyers
This document was prepared with
resources submitted by
Volunteer Attorneys and Iowa Legal Aid
1
A special thanks to the following individuals and organizations that set aside other
equally important work to help draft this Manual under a short time frame.
Joe Basque, Iowa Legal Aid, Council Bluffs, IA
Steve Bishop, Iowa Legal Aid, Des Moines, IA
Tamara Borland, Iowa Legal Aid, Iowa City, IA
Wendy D. Boka, Hopkins & Huebner, P.C., Des Moines, IA
Rebecca Davis, DLA Piper US LLP, Phoenix, AZ
Tracy L. Deutmeyer, McGrath North Mullin & Kratz, PC LLO, Omaha, NE
Jessica Filippi, McGrath North Mullin & Kratz, PC LLO, Omaha, NE
Claire Gilchrist, Montreal, Quebec, Canada
Dennis Groenenboom, Iowa Legal Aid, Des Moines, IA
Allison Harvey, DLA Piper US LLP, Phoenix, AZ
Sara Greenwood Hektoen, City of Iowa City, Iowa City, IA
Gail Klearman, Iowa Legal Aid, Des Moines, IA
Rod Kleitsch, Iowa Legal Aid, Cedar Rapids, IA
Arlys Kness, Iowa Legal Aid, Des Moines, IA
Chris Luzzie, Iowa Legal Aid, Iowa City, IA
Fred Nelson, Iowa Legal Aid, Des Moines, IA
Elizabeth Norris, Iowa Legal Aid, Iowa City, IA
David Pendergast, DLA Piper US LLP, Phoenix, AZ
Charles Pierce, Iowa Legal Aid, Cedar Rapids, IA
Nancy Thompson, Iowa Legal Aid, Des Moines, IA
Brooke Timmer, Fiedler & Newkirk, P.L.C., Urbandale, IA
Brett Toresdahl, ISBA Public Service Project, Des Moines, IA
Gary Shullaw, DLA Piper US LLP, Phoenix, AZ
Jessman Smith, Frank Smith Law Office, Des Moines, IA
2
TABLE OF CONTENTS
A. FEMA ASSISTANCE............................................................................................................................................4
B. HOUSING ISSUES.............................................................................................................................................19
C. EMPLOYER/EMPLOYEE ISSUES ...................................................................................................................29
D. SOCIAL SECURITY, BANKING, AND FINANCIAL ISSUES ........................................................................36
E. CONSUMER PROTECTION ISSUES ..............................................................................................................39
F. INSURANCE ISSUES ........................................................................................................................................46
G. WILLS AND ESTATES......................................................................................................................................52
H. HEALTH CARE ISSUES....................................................................................................................................58
I. PERSONAL BANKRUPTCY ISSUES...............................................................................................................64
J. REPLACING LOST DOCUMENTS....................................................................................................................67
K. RESOURCE AND REFERRAL GUIDE ............................................................................................................71
3
INTRODUCTION
This Manual was prepared to assist Iowans who were or may be affected by
weather-related disasters. This Manual also was prepared to assist Iowa lawyers
whose clients may be facing legal issues that are new to the lawyers or unique to
disasters. This Manual also was designed to assist and train those volunteer lawyers
who have graciously agreed to help disaster victims through hotline or on-site
assistance.
The following series of short questions and answers were developed by the ISBA
and Iowa Legal Aid, as well as bar associations or legal services organizations in other
states based on their experiences helping disaster victims after Hurricane Katrina.
The answers are general. Therefore, Iowans should consult an attorney to obtain
advice and counsel specific to the facts and circumstances of their case. Lawyers
should consult the local rules and the Iowa statutes to thoroughly analyze the specific
legal issues facing their clients or the victims that they are assisting on a volunteer
basis.
4
A. FEMA ASSISTANCE
When the President of the United States declares a “major disaster” anywhere in
the United States or its territories, federal assistance is made available to supplement
the efforts and resources of state and local governments and voluntary relief
organizations pursuant to the Robert T. Stafford Disaster Relief and Emergency
Assistance Act, as amended 42 U.S.C. 5121, et seq.
In Iowa, many counties were declared major disaster areas during the summer of
2008. FEMA identified that disaster as DR-1763. For an up-to-date listing of those
counties, check www.fema.gov.
Individuals, families and businesses in these counties may be eligible for federal
assistance if they live, own a business, or work in a county declared a Major Disaster
Area. Help may also be available to those who have incurred sufficient property damage
or loss and do not have insurance or other resources to meet their needs. The most
important thing a disaster victim must do to obtain FEMA assistance is to register with
FEMA. To apply for Assistance for Individuals and Households, individuals should
register with FEMA toll-free at 1-800-621-FEMA (3362) (TTY: 1-800-462-7585) or at
fema.gov. As of July 14, 2008, the deadline to apply for FEMA benefits for DR-1763 is
September 29, 2008. This deadline recently changed; contact FEMA to confirm the
deadline as it may change again.
Disaster victims should read FEMA publication entitled “Help after a Disaster –
Applicant’s Guide to the Individuals and Housing Program,” which includes information
about what type of assistance is available, who is eligible, the process for obtaining
assistance, and frequently asked questions. The publication can be downloaded at:
http://www.fema.gov/assistance/process/guide.shtm.
However, not everyone who has suffered in the disasters of 2008 is entitled to
FEMA assistance. FEMA has established a policy for preventing and for rectifying
duplication of benefits under 44 CFR 206.91. FEMA’s duplication of benefits policy
includes the concept of sequence of delivery which establishes the order in which the
major forms of assistance should be provided. The agency that has the primary
responsibility for delivering a certain type of assistance should provide that assistance
first, and may do so without regard to other agencies with similar assistance that are
lower in the sequence. Agencies are not prohibited from disrupting the sequence of
delivery when it serves to expedite the recovery of an applicant. However, the agency
that disrupts the sequence of delivery must take corrective action.
The sequence of delivery for major forms of assistance is as follows:
1. Voluntary organizations – Those that provide emergency assistance in
the form of food, clothing, shelter, medical, and transportation needs.
2. Private insurance benefits – Insured applicants must file a claim with
their insurance company before receiving federal assistance. They
may be eligible to receive disaster assistance if they have insufficient
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coverage or have items not covered by their insurance policy.
3. Temporary Housing Assistance – FEMA funds and administers the
Temporary Housing program, which is designed to provide disaster
applicants with a grant for their housing needs. There are five forms of
temporary housing, including (a) Lodging expense reimbursement for
the cost of short-term lodging such as hotel rooms (food,
transportation, telephone, separately billed utilities and other services
not eligible for reimbursement); (b) Minimal repairs assistance to help
those immediate emergency repairs to live in the residence while
permanent repairs are being made (not intended to address all damage
or restore home to pre-disaster condition); (c) Rental assistance –
eligible applicants will receive financial assistance to rent a dwelling for
the pre-disaster household to live for up to 18 months based on need
(FEMA may provide a list of available rental properties as well); (d)
Manufactured housing – when rental properties are unavailable, FEMA
may provide in-kind assistance in form of trailers, manufactured homes
or other readily fabricated dwellings for use as temporary housing for
up to 18 months subject to recertification of continuing eligibility
(applicants receiving in-kind assistance are not eligible for financial
assistance); and (e) Mortgage and Rental Assistance provides a
means to keep people who have suffered a substantial change in
household income in their homes by assisting with their mortgage or
rental payments and preventing foreclosures or evictions. The
application period is up to 6 months after the date of declaration and
the assistance is available for up to 18 months based on need.
4. Small Business Administration (SBA) – SBA provides low interest, longterm
disaster loans for individuals to repair/replace real and personal
property for non-farm businesses. If SBA determines that an applicant
is ineligible for an SBA loan or if the loan amount is insufficient, SBA
refers the applicant to FEMA for additional consideration. Borrowers
are required to maintain appropriate hazard and flood insurance, where
required. SBA can only approve a loan to an applicant with a
reasonable ability to repay the loan.
5. Disaster Reimbursement Grant Program – This program, also called
the “State Individual Assistance Program,” is administered by the State
of Iowa to provide funds to disaster victims to assist them in meeting
disaster-related expenses for which assistance from other means is
either insufficient or unavailable. Duplicate benefits must be repaid to
the State of Iowa.
6. Voluntary Organizations – Those that provide assistance during
recovery as well as during immediate emergency response. This
includes national and local groups.
7. Cora C. Brown Fund – This fund, named after Cora Brown who died in
1979 and bequeathed part of her estate to the federal government to
be used solely for human suffering caused by natural disasters, is used
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for disaster victims who have exhausted all avenues of assistance, but
who still have unmet needs. FEMA uses these funds under the
authority of 42 U.S.C. 5201(b) of the Stafford Act and 44 CFR 206.181.
Other forms of individual assistance programs include:
• Disaster Unemployment Assistance (DUA) – DUA provides financial
help and employment services to people who are otherwise ineligible
for regular state unemployment compensation. DUA provides help for
workers and those who are self-employed if they become unemployed
as a direct result of a declared major disaster. DUA is funded 100% by
FEMA and administered by Iowa Workforce Development. More
information can be obtained from
http://www.iowaworkforce.org/ui/dua.htm.
• Crisis Counseling - Funds are provided by FEMA as a grant to state
and local mental health agencies to provide crisis counseling to help
relieve grieving, stress, or mental health problems resulting from the
disaster or its aftermath. Disaster victims can call Iowa Concern for
crisis counseling. Contact information for Iowa Concern is (800) 447-
1985 or
http://www.extension.iastate.edu/iowaconcern/crisis.html.
Disaster counseling may also be available through the local community
mental health agency. The National Center for Mental Health call
center can be reached weekdays from 8:30 a.m. to 5:00 p.m. Eastern
time at (800) 789-2647 (toll-free) (866) 889-2647 (tdd).
Services provided include screening, diagnostic testing, counseling,
and outreach services such as disseminating public information and
community networking. Two types of programs are offered through
CC: (a) Immediate services to help state and local agencies to
respond to immediate mental health needs of a victim of a disaster -
this funding is provided for up to 60 days post disaster declaration; and
(b) Regular services designed to provide up to 9 months of services to
victims of a disaster. (Other national, state, and local voluntary
agencies have similar programs and coordinate with the Center for
Mental Health Services to reduce or eliminate duplication of efforts).
Applying for FEMA Assistance
Q.1 How do I apply for disaster help?
If you live in a disaster area declared by the President and need disaster help call
1-800-621-FEMA (3362) (hearing/speech impaired ONLY—Call TTY: 1-800-462-7585) or
apply on line at www.FEMA.gov. Click on “Online Individual Assistance Center” and the
screens will prompt you through the process. If you get a busy signal when you call the
800 number try calling in the evening after 6:00 p.m. or on the weekends when fewer
people are trying to call.
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When you apply you should have a pen and paper available to write down
important phone contacts. You will need your social security number, current and predisaster
address, phone numbers, type of insurance coverage, total household annual
income, and a routing and account number from your bank if you want to have disaster
assistance funds transferred directly into your bank account.
Q.2 What happens after I apply for disaster assistance?
FEMA will mail you a copy of your application and a copy of “Help After a
Disaster: Applicant’s Guide to the Individuals and Households Program” that will answer
many of your questions.
• If your home or its contents are damaged and you do not have insurance,
an inspector should contact you within 10 days after you apply to schedule
a time to meet you at your damaged home.
• If your home or its contents were damaged and you have insurance, you
need to work through your insurance claim first and provide FEMA with a
decision letter (settlement or denial) from your insurance company before
FEMA issues an inspection. ***There is an exception for damages caused
by flooding; if you have flood insurance, FEMA will issue an inspection
before receiving a copy of your flood insurance decision letter to evaluate
your eligibility for temporary living expenses because temporary living
expenses are not covered by flood insurance.
• About 10 days after the inspection FEMA will decide if you qualify for
assistance. If you qualify for a grant, FEMA will send you a check by mail
or deposit it in your bank account. FEMA will also send you a letter
describing how you are to use the money (for example: repairs to your
home or to rent another house while you make repairs).
• If FEMA decides that you do not qualify for a grant, FEMA will send you a
letter explaining why you were turned down and give you a chance to
appeal the decision. Appeals must be in writing and mailed within 60 days
of FEMA’s decision.
• If you get a SBA Disaster Loan application in the mail, you must complete
and return the application to be considered for a loan as well as certain
types of grant assistance. SBA representatives are available at Disaster
Recovery Centers to help you with the application. If the SBA finds that
you cannot afford a loan, they will automatically refer you to FEMA’s
Individual and Household grant program for help.
• If the SBA approves you for a loan, they will contact you.
• If the SBA finds that you cannot afford a loan, FEMA will contact you.
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Q.3 Two weeks ago I mailed in documents FEMA had asked for. When I called
the Helpline, the service representative said the documents were not in my file. What
should I do?
Please be sure to keep your phone number and mailing address current in
FEMA’s records. FEMA has implemented new technology to help inform you that they
have received your documents. You will be contacted via a recorded message informing
you that FEMA has received your documents. FEMA advises that you please be patient
and wait to receive the recorded message rather than calling the FEMA Helpline number
and/or re-mailing or re-faxing the documentation since the automated message will
contact you just as soon as your documents have been placed in your file. You can also
check if documents have been received using the Online Individual Assistance Center.
Please remember that when you mail or fax documents to FEMA, it is very
important to include your name, your social security number, the disaster number and
your registration ID number on all paperwork. This will speed handling and assure that
the documents are placed in the correct file. The numbers can be found on the cover
page that is included with all FEMA correspondence in the upper left hand corner of any
letter FEMA sends you.
Q.4 The letter from FEMA said I had no damages or insufficient damages, but
my home was damaged and some of my personal property was damaged too. What do I
do?
You may appeal any decision. When you appeal a decision, you are asking
FEMA to review your case again. Appeals may relate to your eligibility, the amount or
type of help you received, late applications or requests to return money. You will not
automatically get another inspection just because you appeal. For additional information
on the appeal process, please refer to page 10 of your Applicant’s Guide or click on
http://www.fema.gov/about/process/.
Q.5 How long does it take to get help from FEMA?
If you have damage to your home or its contents and you are uninsured or you
have suffered damage due to a flood, a FEMA inspector will contact you within 14 days
of applying, to set up an appointment to assess your disaster damages. Typically, within
about 10 days after the inspection, if FEMA determines that you qualify for help, you will
receive a direct deposit in your bank account or a check in the mail.
Q.6 I received my check for rental assistance, but there are no places to rent.
If you are eligible for housing assistance from FEMA but are unable to find a
rental house or apartment within a reasonable commuting distance of your damaged
home, please contact FEMA at 1-800-621-FEMA (3362) or visit a nearby Disaster
Recovery Center. FEMA will evaluate your situation and, if appropriate, may authorize a
travel trailer or mobile home.
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Q.7 What should I do if I didn’t receive enough money from FEMA to meet all
my needs?
Most disaster aid programs are intended to meet only essential needs and are
not intended to cover all your losses. Also, some people qualify for assistance from
more than one program and may receive additional help from another agency. For
example, the Small Business Administration is a very important source of funding for
repair and replacement of real and personal property. If you received a loan application
packet from the SBA, please complete and return the application as soon as possible.
No work can begin on the loan until you submit your application. If you do not agree with
FEMA’s decision, you may appeal the decision. To file an appeal, follow the appeals
process that is explained in the letter FEMA sent with the grant.
Q.8 I know of others in my neighborhood, city or state who received help from
FEMA, however I was told I have insufficient damages. Does FEMA use the same
criteria when considering damages for everyone?
FEMA reviews each applicant’s case individually and applies the same eligibility
criteria. If you were determined to be ineligible because of insufficient damages and you
feel this finding is incorrect, you have a right to file an appeal.
Q.9 I have a new telephone number. How do I update my application?
Some information, such as current phone number, mailing address, or insurance
policy number, can be updated through FEMA's on-line Individual Assistance Center -
Account Access, available on the FEMA.gov web-site. To update other file information
you will need to call the FEMA Disaster Helpline at 1-800-621-FEMA (3362)
(hearing/speech impaired ONLY—call TTY: 1-800-462-7585), visit a Disaster Recovery
Center, or write to FEMA at the address provided on any correspondence you have
received.
Q.10 What are FEMA’s citizenship/immigration requirements?
You must be a U.S. citizen, non-citizen national, or a qualified alien to qualify for
a grant from FEMA’s Individuals and Households Program. However, undocumented
individuals can apply on behalf of their minor child who is a citizen and has a social
security number. FEMA can provide information on how to obtain a social security
number for a minor child. The minor child must live with the parent/guardian applying on
his/her behalf.
The undocumented individual does not have to be a U.S. citizen, non-citizen
national or a qualified alien for crisis counseling, disaster legal services or other shortterm,
non-cash emergency assistance. Voluntary agencies provide help regardless of
immigration status.
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Q.11 Are aliens eligible for disaster assistance? Who is eligible for disaster
assistance?
To be eligible for cash assistance from FEMA you must be a qualified alien. A
qualified alien generally includes individuals who are lawful permanent residents
(possessing an alien registration receipt card) or those with legal status due to asylum,
refugee, parole (admission into the U.S. for humanitarian purposes), withholding of
deportation, or domestic violence. Applicants should consult an immigration expert
concerning whether or not their immigration status falls within the qualified alien
category.
Disaster Recovery Centers
Q.12 What is a Disaster Recovery Center and what services do they provide?
A Disaster Recovery Center (DRC) is a readily accessible facility or mobile office
where applicants may go for information about FEMA or other disaster assistance
programs, or for questions related to your case. NOTE: You can register for assistance
at a DRC or use the Online Individual Assistance Center or by calling 1-800-621-FEMA
(3362) (hearing/speech impaired ONLY-Call TTY: 1-800-462-7585).
Q.13 Some of the services that a DRC may provide:
• Guidance regarding disaster recovery
• Clarification of any written correspondence received
• Housing Assistance and Rental Resource information
• Answers to questions, resolution to problems and referrals to agencies
that may provide further assistance
• Status of applications being processed by FEMA.
• SBA program information if there is a SBA Representative at the
Disaster Recovery Center site.
Employment Issues
Q.14 I lost my job because of the disaster and am unable to make my mortgage
(or rent) payments. Will FEMA make payments until I can return to work?
No. FEMA is not authorized to make such payments. If you lost work because of
the disaster, you may qualify for Disaster Unemployment Assistance (DUA). For more
information and directions on how to apply for DUA, check out the Web site of Iowa
Workforce Development at www.iowaworkforce.org, call your local Workforce
Development Center, or call 800-JOB-IOWA (for deaf or hard of hearing, use Relay
711). The DUA program covers most people affected by a disaster, including many who
do not normally qualify for regular unemployment aid. Also, be sure to speak to your
lender or landlord and explain your circumstances. Special arrangements can often be
made.
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Q.15 I have not been able to work since the disaster hit. My employer says that
I still have a job, but I am not drawing a paycheck. Does FEMA pay for lost wages?
If you lost work because of the disaster you may qualify for Disaster
Unemployment Assistance (DUA). For more information and directions on how to apply
for DUA, check out the Web site of Iowa Workforce Development at
www.iowaworkforce.org, call your local Workforce Development Center, or call 800-
JOB-IOWA (for deaf or hard of hearing, use Relay 711).
Farm / Agricultural Damages
Q.16 I had damages to my farm or ranch. Can FEMA help me?
If you sustained damages to your home or personal property, you should apply
with FEMA for assistance. If you had damages to your crops, livestock, farm equipment,
barns, dairy, etc., you should contact your local Farm Services Agency office to inquire
about the USDA's disaster assistance program.
Inspections
Q.17 The inspector told me I was going to get money from FEMA. However, I
got a letter from FEMA stating that I was not eligible. Which is correct?
The letter is correct. The inspectors are FEMA contractors and are not authorized
to comment on eligibility matters.
Q.18 What will FEMA accept as proof that I occupied my home?
There are several documents that may be used to prove occupancy. They
include but are not limited to a utility bill for the damaged dwelling you are occupying; a
merchant’s statement sent to the damaged dwelling; an employer’s pay statement sent
to the damaged dwelling, or a current driver’s license showing the address of the
damaged dwelling.
Q.19 What will FEMA accept as proof that I own my home?
There are several documents that may be used to prove ownership. They include
but are not limited to the deed, deed of trust, mortgage payment book or other mortgage
documents, real property insurance policy, tax receipts; or property tax bill. The
document must list you as the legal owner along with the damaged dwelling address.
Q.20 How do I contact the inspector if my inspector called me and I missed the
call?
The FEMA inspectors are out on inspections most days and cannot be reached
while they are inspecting a home. You should wait for the FEMA Inspector to call you
again. The FEMA inspectors will try to call you 3 times to arrange an appointment to
inspect your property. Inspectors will call your current phone contact and alternate if you
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have given one. If any of your contact information has changed call the Helpline to
update the information.
Insurance
Q.21 I have insurance and filed a claim with my insurance agent, but I don’t
have a place to live. Is there any help for me?
FEMA cannot duplicate assistance from your insurance company. If you still have
serious unmet needs after receiving your insurance settlement, FEMA may be able to
provide assistance. If you are unable to locate a place to rent, you can visit a local
Disaster Recovery Center (DRC) or call FEMA’s Helpline at 1-800-621-FEMA (3362) to
get the list of rental resources in your area.
Q.22 I have received a settlement from my insurance company and it is not
enough to cover my losses. What should I do now?
FEMA recommends the following: Read over your settlement documents
carefully and be sure you understand your policy. If you believe a mistake has been
made, contact your insurance agent. If you are still not satisfied, your agent can tell you
how to contest the settlement. Next, call FEMA at 1-800-621-FEMA. FEMA and other
agencies may be able to help cover those losses that are uninsured and otherwise
eligible.
Q.23 Are insurance deductibles covered under FEMA’s programs?
FEMA does not cover insurance deductibles. If your insurance settlement does
not meet your disaster related need you may be eligible for assistance from FEMA.
Q.24 What documents does FEMA want from my insurance company?
If you apply for help from FEMA because your insurance does not cover all of
your disaster related needs, you need to write a letter to FEMA explaining your situation
and include a copy of a settlement or denial letter from your insurance company. FEMA
cannot duplicate any insurance coverage.
Q.25 Do I have to file a claim with my insurance company since I have to pay a
deductible? Why can’t FEMA just help me?
FEMA cannot give you money for items that your insurance covers (this would be
considered a duplication of benefits), but we may be able to help with uncompensated
losses or unmet needs not covered by your insurance company. If you have not already
contacted your insurance agent to file a claim, please do this as soon as possible. If you
do not file a claim with your insurance company, FEMA help may be limited.
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Q.26 My insurance company told me it would be weeks before they come to see
my damages. Can FEMA help?
If a decision on your insurance settlement has been delayed longer than 30 days
from the time you filed the claim, you may be eligible for an insurance advancement
from FEMA. These funds are considered a loan and must be repaid to FEMA once you
receive your settlement from your insurance company. Contact FEMA if your insurance
settlement is delayed. FEMA will send you a Request for Advancement and Signature
letter. You must complete and return this letter before FEMA can evaluate your request
for assistance.
Late Registration
Q.27 I had extenuating circumstances that prevented me from applying for
assistance before the registration filing deadline. I have damages from the disaster,
what can I do?
You may make a late registration within 60 days after the filing deadline. A letter
will be sent stating you are not eligible for consideration for disaster assistance under
the Individuals and Households program. The letter will contain information on how you
can appeal this decision if you had extenuating circumstances that kept you from filing
during the open registration period.
Returning Funds
Q.28 I need to return a check or pay money back to FEMA. Where do I send it?
Treasury Checks: If you have not cashed the Treasury Check and wish to return
it, or you have been advised in an official letter from FEMA to return the check, mail it to
the Department of Treasury, P.O. Box 149058, Austin, TX 78714-9058.
Personal Checks/Cashiers Checks/Money Orders: All routine checks or money
order payments made payable to the Federal Emergency Management Agency (or
FEMA) should be sent to:
FEMA, P.O. Box 70941, Charlotte, NC 28272-0941
For overnight payments using couriers (i.e., DHL, FedEX), the address is:
FEMA, QLP Wholesale Lockbox - NC0810, Lockbox #70941, 1525 West WT
Harris Blvd, Charlotte, NC 28262. Do NOT send cash.
State Checks: If you have received a check from your State for your damaged
personal property and wish to return the check or have been advised in a letter to return
the funds, you will need to mail the check / payment back to the state. The address will
be listed on the letter that accompanied your check.
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Road and Bridge Damages
Q.29 My home is not damaged, however a public road and/or bridge has been
damaged and is preventing access to my home. Can FEMA help me?
Yes. If damages to a public road or bridge prevents or restricts you from
accessing your home, FEMA may be able to provide assistance.
Q.30 If I own the bridge and/or road that is damaged, should I apply for
assistance?
Yes, if the private road or bridge damage prevents or restricts access to your
home, FEMA may be able to provide assistance.
Q.31 What if I share ownership and responsibility for the road and/or bridge with
other families, do they all need to register?
All households who share in the responsibility of maintaining the private road
and/or bridge should be encouraged to register, particularly if the damages prevent or
restrict access to their homes.
Small Business Administration (SBA)
Q.32 Why am I being referred to the SBA?
The Small Business Administration (SBA) is the primary source of federal funds
for long-term recovery assistance for disaster victims. The SBA has low-interest disaster
loans for homeowners, renters and non-farm businesses to cover disaster damage to
real and personal property.
Q.33 Does the SBA make loans to individuals or just businesses?
The SBA can loan money to homeowners, renters, and business owners.
Homeowners may borrow up to $200,000 for disaster related home repairs.
Homeowners and renters may borrow up to $40,000 to replace disaster-damaged
personal property including vehicles. The SBA may not duplicate benefits from your
insurance or FEMA. You may receive an SBA referral when you apply with FEMA.
Q.34 How do I reach the SBA Hotline?
The SBA has loan officers in the Disaster Recovery Centers to provide face-toface
service to disaster victims. You may visit the SBA at any of these locations without
an appointment. A SBA representative will be glad to answer questions and help
complete your application. To find out where the SBA disaster offices are located an
applicant can call the SBA toll-free at 1-800-659-2955.
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Travel Trailer/Mobile Home
Q.35 How do I Get a Travel Trailer or a Mobile Home?
If you are eligible for housing assistance from FEMA but are unable to find a
rental house or apartment within a reasonable commuting distance of your damaged
home, please contact FEMA at 1-800-621-FEMA (3362) or visit a nearby Disaster
Recovery Center. FEMA will evaluate your situation and, if appropriate, may authorize a
travel trailer or mobile home.
Q.36 How long can I use the travel trailer/mobile home?
If FEMA provides you with a travel trailer or mobile home you may be able to use
it for up to 18 months from the date of declaration if you continue to have a disaster
related housing need.
Q.37 My family is too large for a travel trailer/mobile home. What do we do?
FEMA can provide more than one travel trailer for a family if necessary.
Q.38 Can I have a ramp built for a travel trailer/mobile home?
When FEMA makes our initial assessment of your site to decide if it is possible to
place a travel trailer/mobile home at your home, we include any requirements for ramps.
If you did not receive a ramp and require one, call the FEMA Helpline at 1-800-621-
FEMA (3362). A helpline representative will ensure that someone will get back in
contact with you.
Q.39 A storm damaged the Travel Trailer that FEMA provided me. What should
I do?
Contact the maintenance number provided when you were leased into your unit.
If you do not have the number, call the FEMA Helpline at 1-800-621-FEMA (3362). A
helpline representative will ensure that someone will get back in contact with you.
General Questions
Q.40 After the storm the gas station up the street was charging $6.00 a gallon
for gas. Isn’t that price gouging?
If you find price gouging, contact the Consumer Protection Division of the Iowa
Attorney General’s Office at 1-888-777-4590.
Q.41 When funds are provided for disaster assistance in other countries, does
this affect the amount of money that is available for my state?
No. If Federal disaster assistance is designated for your area, the disaster relief
funds for your state will not be affected by any funds provided for international relief
efforts.
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Q.42 My vacation/secondary home was damaged. Can I get any help?
Damages to a secondary or vacation home are not eligible under FEMA’s
disaster assistance program. However, if you own a secondary home that is rented out
or occupied by a family member, you may be eligible for assistance from the Small
Business Administration.
Q.43 Will FEMA help me pay my utility bills?
No, FEMA cannot pay utility bills. However, local charitable organizations may be
able to help for a short period. We suggest you contact the Red Cross or your local
United Way office for a referral to a local agency that may be able to help.
Q.44 I lost my food because of the power outage; will I be reimbursed for it?
FEMA’s disaster assistance program does not cover food losses. Voluntary
organizations in the disaster area may be able to help you with a hot meal or other
immediate needs for food.
Emergency Food Assistance (formerly known as food stamps)
The USDA through the Food & Nutrition Service (FNS) works with state and local
governments during a disaster to provide access to food for those affected by the
disaster. In addition to distributing commodities to the disaster sites, to individuals, and
families affected by the disaster, the USDA has rules for a Disaster Food Stamp
Program. In Iowa, the term “food stamps” has been replaced by food assistance.
Electronic Benefit Transfer Cards (EBT) are used instead of food stamps. The program
is run by the Iowa Department of Human Services.
The Disaster Food Assistance Program provides replacement benefits as food
assistance for households that lose food and also extends benefits to many people who
would not ordinarily be eligible for food assistance (formerly called food stamps). If a
person needs food assistance they should contact their FEMA site or their local
Department of Human Services (DHS) office. If their EBT card has been destroyed,
lost, or stolen they should contact their local DHS office right away.
Below is information from the Iowa Department of Human Services website
concerning the Disaster Food Assistance Program. Go to:
www.dhs.state.ia.us/index.html and then to “Storm Help”.
Residents of counties that have been declared disaster areas in a presidential
disaster declaration may be eligible for the Disaster Food Assistance Program. There is
a special application for the Disaster Food Assistance program and applications are only
accepted for a limited time. Applications will be taken at the FEMA Disaster Recovery
Centers as they are set up, or residents may contact their local DHS offices to apply.
Note that some people who would not qualify for Food Assistance under the regular
rules may qualify for Disaster Food Assistance. All households affected by the disaster
are encouraged to apply.
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If you currently receive Food Assistance you may qualify for Disaster Food
Assistance benefits in addition to what you have already received.
To qualify a household must, because of the disaster, have experienced at least
one of the following:
• Loss of food;
• Damage to, or destruction of the household's home;
• Damage to, or destruction of a household member's self-employment
business;
• Disaster-related expenses not expected to be reimbursed during the
disaster period;
• Loss or inaccessibility of income.
If you live anywhere in Iowa and currently receive Food Assistance you can apply
for assistance to replace destroyed or spoiled food. To apply, complete a Request for
Replacement of Spoiled Food application and bring or mail it to your county’s DHS
Office. If you are unable to get to your local office you should call 1-877-YES-FOOD (1-
877-937-3663) to apply.
Additional Resources:
The USDA Food and Nutrition Services.
http://www.fns.usda.gov/disasters/response/midwest.htm
According to this website: All Iowa grocers that are licensed to accept food stamp
benefits (food assistance benefits) may sell hot foods to food stamp clients until July 31,
2008.
Food Research and Action Center (FRAC).
http://www.frac.org/
In addition to more information on federal food programs, this website contains
“An Advocate’s Guide to the Disaster Food Stamp Program.”
Q.45 I have trees down all over my yard, is there any help for debris removal?
Many homeowners’ insurance policies cover debris removal. FEMA does not
typically pay for cleaning up debris on private property or in gated communities, but if
the debris is keeping you or emergency workers from safely getting to your home, FEMA
may be able to provide help. Your local officials can also tell you if there is a pickup
schedule for debris in your area.
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Q.46 I purchased a generator. Will I be reimbursed?
FEMA reviews requests for reimbursement of the cost of a generator on a caseby-
case basis and determines if a generator was purchased to overcome a disasterrelated
hardship, injury, or adverse condition. You should register and submit your
receipts to see if the cost is covered.
Q.47 Does disaster help have to be repaid?
A grant from the Individual and Households Program does not have to be repaid.
Loans from the Small Business Administration must be repaid.
Q.48 FEMA told me to send in my receipts. What is the mailing address?
Please mail all correspondences to the following address:
Mail: FEMA – Individual and Households Program National Processing Service
Center, P.O. Box 10055, Hyattsville, MD 20782-7055 -OR- Fax it to: 1-800-827-
8112.
Please write your name, social security number, disaster number and registration
number on all pages of your document and keep a copy for your own records.
Q.49 I got a check from FEMA. What can I use the money for?
FEMA sends you money to meet your housing and personal property needs
related to the disaster. You will receive a letter from FEMA telling you what the money
covers. Be sure to read the “Help After a Disaster: Applicant’s Guide to the Individuals
and Households Program” included with your letter, for additional information.
Q.50 Can I get more information about disaster assistance on the Internet?
Yes. The best place to start is at www.fema.gov/about/process. There you can
download a booklet called “Help After a Disaster: Applicant’s Guide to the Individuals
and Households Program.” If you have already applied to FEMA, you should have
received the same booklet in the mail. This is a very useful publication that explains how
FEMA’s disaster assistance program works; describes additional kinds of help you may
qualify for from other federal, state and voluntary agencies; and gives you many
important tips on how to best make all these programs work for you.
Q.51 I have a lot of damage but I received a letter from FEMA stating I am
getting “$0” ... How come?
Please read the entire letter and pp 7-9 of the “Applicant’s Guide,” which was
mailed to you after you applied. This book explains the reasons for denial. The most
common reasons for denial letters are because you have insurance to cover the loss or
because your property is a secondary or vacation home. If you have received your
insurance settlement and it does not cover all of your necessary expenses and serious
needs, please contact FEMA at 1-800-621-FEMA (3362).
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B. HOUSING ISSUES
Landlord/Tenant
Q.1 May I Terminate My Lease Because of the Disaster?
If the dwelling unit or premises are “damaged or destroyed” as a result of a
disaster, to an extent that enjoyment of the dwelling unit is “substantially impaired,” the
lease can be terminated. Iowa Code § 562A.25(1). The tenant may immediately vacate
the unit and must notify the landlord in writing within fourteen days of the tenant’s
intention to terminate the rental agreement. Iowa Code § 562A.25(1)(a). Upon
termination, the tenant is entitled to a refund of any security deposit (less lawful
deductions), plus a pro rata refund of any prepaid rent from the date of the casualty.
Iowa Code § 562A.25(2). The landlord must refund the security deposit and/or provide
a statement of any lawful deductions from the deposit within one month after the tenant
moves out. Iowa Code § 562A.12. The tenant shall furnish the landlord a forwarding
address at the termination of the lease, to which such statements may be sent. Id. If
the lease is lawfully terminated because it is totally or partially destroyed, the landlord
cannot prevent the tenant from retrieving the tenant’s personal property in the dwelling.
If the dwelling is partially destroyed or damaged (or its use is otherwise
substantially impaired) because of a disaster, the tenant may elect, if continued
occupancy is lawful, to vacate part of the dwelling. Iowa Code § 562A.25(1)(b). The
tenant’s liability for rent is reduced in proportion to the diminished fair market rental
value of the home, post disaster. Id.
NOTE: At common law, accidental destruction of the leased premises does not
release the lessee from an express covenant to pay rent unless he has stipulated in the
lease for a cessation of the rent. See Harris v. Heackman, 17 N.W. 592 (Iowa)(1883);
C.J.S., Landlord and Tenant § 486.
It would seem that this rule does not apply where the destruction of the premises
is of the entire subject matter of the lease, so that nothing remains capable of being held
and enjoyed, as where a room or apartment or a building without land is leased and
destroyed. See C.J.S., Landlord and Tenant § 486(b). Sometimes it can become a
question of fact as to whether the property has become untenantable. See Benson v.
Iowa Bake-Rite Co., 221 N.W. 464 (Iowa)(1928); Woodbury Co. v. Williams Tackaberry
Co., 148 N.W. 639 (Iowa) (1914). Mere deterioration is not the same as destruction.
See Gamble-Robinson Co. v. Buzzard, 65 F.2d 950 (8th Cir.1933).
Q.2 If the premises are totally unusable because of the disaster, do I have to
permanently move out even though I want to stay?
If the dwelling is partially destroyed or damaged (or its use is otherwise
substantially impaired) because of a disaster, the tenant may elect, if continued
occupancy is lawful, to vacate part of the dwelling. Iowa Code § 562A.25(1)(b). The
tenant’s liability for rent is reduced in proportion to the diminished fair market rental
value of the home, post disaster. Id.
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Most landlords should be willing to keep the lease in force and suspend all rent
payments (abate) if the tenant does not stay in the dwelling while the landlord is trying to
repair or restore the flood damage. In major repair situations, the landlord usually wants
the premises empty for efficient repair and avoidance of personal injury liability.
Depending on the circumstances, the landlord may be willing to allow the tenant to stay
in the dwelling rent-free until the premises are restored or repaired—even if the premises
normally would be considered totally unusable, as long as it is lawful to remain. If this is
what you would like to do, you need to discuss it with your landlord as soon as possible.
Q.3 If the dwelling is partially unusable because of the disaster and if I don’t
want to permanently move out, can my rent be partially abated (temporarily reduced)?
If the premises are partially unusable for residential purposes after the disaster,
the tenant may obtain a reduction or abatement of the rent during the length of the
repairs. Iowa Code § 562A.25(1)(b). This rent reduction, however, is not automatic or
predetermined, and the amount of the reduction depends on the circumstances of each
case. If one-half of the dwelling is unable to be used, then arguably one-half of the rent
should be due. The landlord, however, can terminate the lease when: (1) the lease itself
gives the landlord the right to terminate when a disaster renders the dwelling partially
unusable, or (2) the landlord and tenant mutually agree to terminate the lease.
NOTE: Whether the dwelling is totally or partially unusable is a fact question
decided on a case-by-case basis. The law states that the rent amount should be
proportionate to the amount of the dwelling able to be enjoyed. Obviously, before
paying less than the full rent, the tenant should talk to the landlord and try to reach a
mutual agreement on any rent abatement or reductions that are justified because a
disaster has rendered the premises unusable. If the landlord and the tenant cannot
agree on the appropriate amount of the reduction or if the unit is totally or partially
unusable, the tenant may still be able to reduce the rental payment.
Q.4 May I withhold payment of rent because of the disaster or because the
landlord has failed to timely repair the dwelling after the disaster?
Generally speaking, it is not a good idea for the tenant to simply withhold the rent
with the hope of getting repairs made. Iowa law provides a tenant with options to get
certain repairs made. If, after the disaster, neither the tenant nor the landlord has
terminated the lease because the dwelling is totally unusable, the tenant has the right to
repair and deduct the amount of the repair (limited by one month’s rent) from the
payment of rent if the landlord does not timely repair. Iowa Code § 562A.27(4). The
tenant must have notified the landlord of the intention to make the repairs and deduct
the costs from the rent at least seven days before the periodic rental due date. Iowa
Code § 562A.27(4)(b). The repair must be one which is part of the landlord’s
responsibility under Iowa Code § 562A.15, or the lease agreement. Iowa Code §
562A.27(4)(a). Timeliness of repair by the landlord may depend on the availability of
materials, labor and utilities and, in some cases, on when the landlord receives
insurance proceeds from his or her insurance company. The tenant has other remedies,
such as termination of the lease, if the landlord fails to timely repair items that are a
material health and safety risk. See Iowa Code § 562A.21(1). The tenant may also seek
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injunctive relief. Iowa Code § 562A.21(2).
Q.5 Do I have to keep paying rent to my landlord while I am not living at my
house/apartment?
The Iowa Code provides that the total destruction of leased property results in the
possible termination of the lease, with no further liability on the part of landlord or
lessee. Iowa Code § 562A.25(1)(a). Partial destruction of the leased premises gives
rise to a right on the part of the lessee to seek termination of the lease or to reduce the
rent owed. Iowa Code § 562A.25(1)(a) and (b).
So, the practical advice is that the client should hold payments until the condition
of the leased property is verified.
Q.6 What can happen and what should I do if I cannot pay the rent on my
dwelling because of job or salary interruptions following the disaster?
Temporary government rent assistance may be available from the Federal
Emergency Management Agency (FEMA) or other governmental agencies. NOTE: Until
payment is made to the landlord, the landlord may file for eviction and may be
successful even though you may be entitled to government assistance. You can try to
argue that payment is coming but the court may still grant an eviction.
If your lease is terminated because the dwelling is totally unusable, you must
move out, regardless of whether you can or cannot pay the rent.
If you live in public or federally subsidized housing or receive Section 8
assistance, you are entitled, in most circumstances, to have your rent reduced when you
suffer a loss in income. You must notify your landlord and the housing authority.
If the landlord is entitled to evict you and you do not move after the landlord has
given you notice to vacate, you can be evicted only through a lawsuit.
Q.7 How could I pay rent if I wanted to?
For residential leases, the landlord probably is local and probably had to
evacuate just like the lessee. Clients should be advised not to mail payments until the
USPS procedures for forwarding mail to evacuees are clarified, or until clients can verify
the landlord is receiving mail at the old address. The rent should be paid by money
order, cashiers check, or personal check (unless otherwise stated in the lease). A copy
of the payment tendered should be kept for the tenant’s records.
Q.8 Can my landlord rent my home/apartment to someone else while I am
gone?
Short answer is that the landlord is required to surrender peaceable possession
of the leased premises to the lessee for the term of the lease. Iowa Code § 562A.14.
The landlord cannot impair peaceful possession unless there has been a default by
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lessee, the lease has been terminated, and a Court has ordered possession to be
returned to the landlord.
The unfortunate practical advice here is not to worry about it until it can be
verified that the leased premises still exist in habitable form.
Q.9 How do I contact my landlord?
One hopes that phone service will be restored in the near future, and that calls
can be completed. USPS is attempting to coordinate mail delivery by establishing
central repositories for mail directed to evacuated zip codes. There is no easy answer
to this question.
Q.10 My landlord told me to move out because the dwelling is totally unusable
after the disaster. Do I have to move out?
You must move out if the dwelling is totally destroyed and it is unlawful to remain
in the home. Unless your lease says otherwise, the tenant has the right to terminate the
lease if the dwelling is totally destroyed as a result of a disaster such as a flood. Iowa
Code § 562A.25(1)(a) However, if the tenant does not move after notifying the landlord
in writing of the termination, the landlord may treat the tenant as a holdover. The tenant
must still be removed by following Iowa Code Chapter 648 et. seq.
Q.11 My landlord told me to move out the next day because he wants the
dwelling for his daughter who lost her house in the flood. He told me if I didn’t move out,
he’d change the locks. Do I have to move out?
No. The landlord must honor the lease unless the dwelling is totally destroyed or
the lease contains an express provision allowing the landlord to terminate in event of a
fire, flood, or similar casualty. If the landlord wants you out in order to move someone
else in, then the premises are obviously not “totally destroyed” and the landlord cannot
terminate the lease.
If the landlord unlawfully locks you out, you should contact a lawyer. If you are
low-income, you can call 1-800-532-1275 for information or possible representation by
Iowa Legal Aid.
Q.12 What should I do if I am served with an eviction lawsuit?
If an eviction lawsuit is served on you, you should carefully read the papers and
find your deadline for filing an answer or appearing in court. You can defend yourself in
court or you can call a lawyer for representation or a legal services program for
information or possible representation.
Q.13 How can I recover my personal property from the leased premises?
FEMA and federal security officials are going to be in control of when and how
evacuees are allowed to return to their homes.
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Between now and when the agencies permit a return, the best advice we can
give an evacuee is to try to contact the landlord and determine whether the landlord (i)
knows anything about the condition of the property, and (ii) has been able to do anything
to secure the property.
Q.14 May I recover damages against my landlord for injuries or property
damage I suffered as a result of the disaster?
When the injury or property damage results from a natural disaster and not from
the landlord’s negligence, the landlord is not liable for such injuries or property damage.
However, the law does not prevent suits against the landlord for injuries or property
damage resulting from the landlord’s negligence. The landlord can therefore be sued if
the landlord’s negligence caused or contributed to the tenant’s injuries or damage from
the disaster.
Q.15 I have suffered personal injuries or loss or damage to my personal
belongings from the disaster. May I recover damages against my landlord or the
previous homeowner if they knew about the possibility of flooding and failed to inform
me?
If the landlord or seller made an affirmative misrepresentation concerning the
possibility of flooding, the tenant or buyer may be able to sue the landlord or seller for
fraud to recover for property damages or personal injuries. If you knew, however, that
the property could flood or did not rely on the affirmative misrepresentation, then you will
not be able to recover damages.
If the landlord or seller said nothing about the possibility of flooding, then you will
probably not be able to recover any damages. Generally, the mere failure to disclose a
fact known by the seller or landlord is not fraud. However, failure to disclose the
possibility of flooding may, under certain circumstances, support a lawsuit against a
landlord or seller who knew of past flooding or knew of the possibility of flooding. Active
concealment of known past flooding (for example, painting over flood water marks on
walls) may also be the basis for tenant recovery. See 37 Am. Jur. 2d, Fraud and Deceit,
144-146.
Q.16 Can I recover damages against my landlord or the previous homeowner if
they didn’t know about the possibility of flooding?
No. As a general rule, the tenant or buyer cannot recover from the landlord or
previous owner a loss or damage from flooding if the landlord or previous owner knew
nothing about past flooding or the possibility of flooding, and did not tell the tenant or
buyer that the property was not subject to flooding.
Q.17 All my personal belongings were destroyed when the roof fell in on the
place I rent. What help can I get from my insurance company?
If you had renter’s insurance or homeowner’s contents insurance at the time of
the flood, contact your insurance company. If your situation is desperate, make sure
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you describe your situation to the insurance company. If the insurance company agrees
that there is coverage, you can ask for advance payment to cover a part of your loss.
Q.18 What should I do if I do not have insurance on my personal belongings?
If your losses are not covered by insurance, you may be able to get an Other
Needs Grant from FEMA to replace necessary items of personal property. You may
apply for these benefits at the FEMA DRC sites or by phone or online. You may also
wish to contact the Red Cross, which may be able to help you. If you are not in a
federally designated disaster county but are in a state designated county, you can apply
to the state for assistance.
Q.19 If my personal belongings are lost or damaged as a result of the flood or
other disaster, may I recover from my landlord under the landlord’s hazard insurance
policy?
No. The landlord has no “insurable interest” in the tenant’s property, and
therefore, the landlord’s hazard insurance cannot (and does not) insure the tenant’s
personal property.
However, if the damage or loss of the tenant’s property is due in whole or in part
to the landlord’s negligence, the tenant may be able to sue the landlord and the loss
may be covered by the landlord’s liability insurance carrier.
Q.20 Is flood damage to my home covered under my insurance policy?
Your homeowner’s insurance policy (sometimes called a “casualty insurance
policy,” “hazard insurance policy,” or “fire and extended coverage policy”) normally does
not cover flood damage. The policy may cover water damage inside the home from
direct or blowing rainfall, but it normally does not cover damage from surface water or
rising water. Windstorm insurance normally will be limited to greater-than-normal wind
conditions, such as from a hurricane. You should read your policy, talk to your
insurance agent, and consult an attorney if you have questions.
Q. 21 Does my automobile insurance cover the damage to my car resulting from
the disaster?
Normally, disaster damage to an owner’s vehicle will be covered under the
owner’s comprehensive auto coverage, although specific language in the policy and any
express policy exclusions will control.
Q. 22 May I recover damages against my neighbor whose property damaged my
property during the disaster?
The general rule is that a person is not liable for injuries or damages caused by a
disaster or “Act of God” where there is no fault of negligence on the part of the owner
whose property caused damage to others during the disaster. Therefore, your neighbor
25
is liable only when he or she was negligent and such negligence was a cause of the
damage. See 1 Am. Jur. 2d, Act of God, 11, 15; and 57 Am Jur. 2d, Negligence, 181.
Q. 23 What can I do with someone else’s property, which the disaster carried
onto my land?
When personal property is carried away by flood, wind or explosion onto the land
of another, such personal property still belongs to the original owner and the original
owner may enter and retrieve it. If the landowner refuses to let the owner of the
personal property enter, or if the landowner appropriates the property for the
landowner’s own use, the owner of the personal property can sue the landowner for the
value of the property.
Q. 24 May I sue the local, state or federal government for damages caused by
the disaster?
Under some circumstances, the government may have liability if its employees
were negligent and caused the damages. However, under the doctrine of “sovereign
immunity,” governmental authorities are generally immune from liability for the negligent
acts of their agents and employees. The doctrine of sovereign immunity normally
applies to “governmental functions” such as crime prevention, flood control, fire fighting,
preservation of health, etc.
Q.25 Must I Continue Paying Rent For My Commercial Lease Space Even
Though It Has Been Rendered Totally Or Partially Unusable By The Disaster?
Most commercial leases have specific provisions that address situations when
the property is totally or partially destroyed. These provisions dictate the rights of the
tenant or landlord. Refer to your lease. If your lease is silent regarding casualty
situations, you will have to pay rent unless the building is completely destroyed. See
Osterling v. Sturgeon, 261 Iowa 836 (1968).
Q.26 May I Recover Damages Against My Landlord For Injuries Or Property
Damage I Suffered As A Result Of The Disaster?
You cannot recover damages against your landlord that arise strictly as a result
of a disaster. Generally speaking, a landlord has an obligation to make all repairs and
do whatever is necessary to put and keep the premises in a fit and habitable condition.
However, a landlord is relieved of that obligation if the landlord demonstrates
affirmatively that he or she has exercised due diligence and effort to make the premises
fit and habitable, and that any failure by him or her to do so was due to circumstances
reasonably beyond his or her control. Iowa Code § 562A.25. Similarly, a landlord has an
obligation to supply heat, water, hot water and other essential services. If, such services
are no longer available as a result of a disaster, and your landlord has not deliberately
or negligently failed to provide these services, you cannot recover from the landlord.
Iowa Code § 562A.23.
26
Homeowners and Mortgages
Q.27 My house was damaged and I can’t live in it. Do I have to make my
mortgage payments?
Yes. Most home loan documents require the homeowner to make mortgage
payments even after a disaster – even if your house is damaged and you can’t live in it.
However, many lenders will allow you to delay mortgage payments for several months
after a disaster (although interest may continue to be added). Many lenders will make
loan modifications to allow the missed payments to be added to the loan, thereby
lengthening the term of the mortgage. You need to communicate with your lender and
tell the lender about the disaster and your temporary inability to pay. The lenders will
nearly always work with you. If your mortgage is FmHA-financed or FHA-insured and
you fall behind in your payments because of circumstances beyond your control, you
have special rights.
Q.28 Do I have to pay my mortgage note while I am not living at the property?
Yes. It is not typical for a note secured by the borrower’s real estate to include
any sort of forbearance provision that would be triggered by flood related damage or
destruction of the property.
However, Federal officials have advised Iowa lenders to grant leeway to flooddamaged
customers who owe them money.
Q.29 What should I do if I receive a notice that my lender is going to foreclose
on my home for non-payment of the mortgage?
If you have received a written foreclosure notice as a result of a disaster-related
financial hardship, you may be eligible for Federal Emergency Management Agency
(FEMA) assistance to help you with your mortgage payments. You may file an
application for FEMA benefits. See the FEMA section of this manual.
If your mortgage is FHA-insured or FmHA financed, you may be entitled to
reduced or suspended payments. Your lender must notify you of this right and give you
an opportunity to seek help before the lender begins foreclosure proceedings. You
must, however, meet the deadlines the lender will give you.
If you have income and you want to keep your house, you may be able to file a
Chapter 13 bankruptcy. In this type of bankruptcy, the homeowner pays regular
mortgage payments that accrue after the bankruptcy and all other living expenses and
also pays an amount every month toward the mortgage installments, which were
delinquent prior to the bankruptcy. If you think you may want to file a Chapter 13
bankruptcy, you should consult an attorney.
27
Q.30 Can my mortgage holder foreclose on my home if I can’t make the
payments?
Yes. The typical residential property mortgage does not include forbearance due
to flood damage and allows the lender to foreclose following default:
In Iowa, foreclosures may be judicial or nonjudicial.
A nonjudicial foreclosure is a voluntary foreclosure and may be done by
agreement between you and your lender whereby you give up all rights to your home.
In a voluntary foreclosure, if your house is sold by the lender and does not sell for the
amount of the mortgage, you are not responsible to pay your lender the difference.
Correspondingly, if your house sells for more than the amount of the mortgage, the
lender is not obligated to give you the difference.
A judicial foreclosure is a forced foreclosure and may be done only by order of
the court. If you are subject to a forced foreclosure in Iowa, you have a right to reclaim
your home within one year of the foreclosure and you may live in your home during this
one-year time period. In a forced foreclosure, if your house sells for less than the
amount of the mortgage, you are obligated to pay the lender the difference.
Correspondingly, if your house sells for more than the amount of the mortgage, the
lender must give you the difference.
Movable and Immovable Property
Q.31 Who is responsible to replace my personal property that was located on
someone else’s property (leased property, rented out to a customer, etc.)?
Absent a lease provision to the contrary, which would be very atypical, the
landlord would not be liable to the tenant (or the tenant’s customers in a commercial
context) for storm damage to the tenant’s (or customer’s) personal property.
Which means, as a bald legal concept, the owner of the personal property bears
the loss. Insurance contracts frequently will produce a different result. The liability
insurance carried by a car dealership, for instance, might well cover storm damage to
third party vehicles that were in the shop waiting for repair when the storm hit. In some
situations, multiple insurance coverages might be available (in the example just given,
the car dealership and the car owner may both have liability insurance that would apply).
The resolution of the question of whose insurance would pay when neither party is at
fault is not within the scope of this manual.
28
Q.32 Who is responsible for the value of my personal property that was stolen
(looted)?
Generally, theft would be covered under most insurance policies. For
homeowners, the specific property that might be covered, and the exclusions, would all
be set forth in the homeowners’ policy. For tenants (for instance a tenant that operates a
shop that was looted) the landlord’s insurance is not likely to respond, and as noted
above, the landlord is not going to be legally responsible absent either a lease provision
that places the loss on the landlord or some widely recognized common law theory (i.e.
landlord’s failure to provide adequate security). However, it seems highly unlikely that
the common law theories would fit the circumstances of this disaster.
Q.33 Is there any program available for me to recover the value of my lost
personal property?
Refer client to FEMA. Absent insurance, FEMA rules are going to apply.
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C. EMPLOYER/EMPLOYEE ISSUES
Iowa Workers’ Compensation Benefits
If you are currently receiving workers' compensation benefits and have relocated
or have otherwise seen a disruption in benefit checks due to flooding, tornado, or other
natural disaster, there are steps you can take to make sure you continue receiving
benefits. If you used an attorney in your workers' compensation case and are able to
locate a phone number or contact information for that attorney or firm, he or she should
be able to contact your employer's (whether current or former employer) human
resources department or insurance carrier on your behalf to make sure your benefits
continue. If you did not use an attorney, you can call your employer (the one you had at
the time of your workers' compensation injury) and ask to speak to someone in human
resources or management to report your move or to discuss workers' compensation
benefits. If you happen to have contact information for the insurance claims adjuster
who handled your claim, you can call that person as well.
If you are not able to reach or locate an attorney, your employer at the time of the
injury, or the insurance adjuster who handled your claim, you can call Iowa Workforce
Development at (515) 281-5387 or (800) JOB-IOWA.
If you have been injured in the course of your employment or while at work --
even if the injury is related to a natural disaster -- you may be entitled to workers'
compensation benefits in the form of medical care and/or disability benefits. Iowa law
establishes time limits for notifying your employer and for seeking recovery for such
benefits. Generally, you must notify your employer of the injury within 90 days and must
file a claim within 2 years. If you have been injured at work, you should seek legal
advice at once.
Unemployment Compensation
If a person became unemployed because his or her employer’s business was
destroyed or closed because of the disaster, or because the person lost his or her job
because his or her house or car was destroyed, or because the person was no longer
able to get work due to the disaster, he or she may be entitled to receive unemployment
compensation benefits. Iowa Unemployment Compensation Benefits may be applied for
online at Iowa Workforce Development’s website at
http://www.iowaworkforce.org/ui/file1.htm#1. As referenced above in the FEMA section,
if a victim is not eligible for Iowa unemployment compensation, he or she may be
entitled to disaster unemployment assistance under FEMA. Unemployment
compensation benefits and disaster unemployment assistance require the completion of
separate applications. In any event, unemployed disaster victims should apply for
unemployment benefits under both the state and FEMA provisions as soon as possible
since there is a waiting period for receipt of benefits. Disaster victims seeking
information on unemployment benefits and disaster unemployment benefits may also
call 1-800-JOB-IOWA from 8:15 a.m. to 4:15 p.m. Online guidance is available at
www.iowaworkforce.org, or, disaster victims may apply at any Iowa Workforce
Development Center.
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Q.1 What is an employers obligation in regards to termination of employees?
There is no federal or state law that obligates an employer not to terminate
employees if an employee’s home, vehicle, personal possessions, etc. were affected
and/or destroyed during the recent tornadoes and floods.
Q.2 What is an employer’s obligation with respect to group insurance?
The shutdown of an employer’s enterprise would trigger the elimination of group
insurance coverage for covered employees and dependents. This would obligate the
firm to send notices to the ex-employees advising them of their conversion rights (the
right to convert the group coverage to an individual coverage) pursuant to a federal
statute known as “COBRA.” In the usual case, COBRA permits the ex-employee to
continue the same coverage in an individual policy for up to 18 months.
Q.3 What can employer’s do with regards to the payment of employees’
salaries?
An option to an employer would be to place employees on administrative leave
status while the office regroups. This would relieve the firm of the obligation to pay
salaries. So long as the firm continued to pay the premium for group medical
coverages, the employees would still have those coverages.
Q.4 Does Iowa have any legal restrictions against firing, suspending or
disciplining employees?
Iowa is known as an employment-at-will state. Generally, this means that an
employer may legally hire, fire, suspend or discipline any employee at any time and for
any reason – good or bad – or for no reason at all. (unless there is an employment
contract or union protections). However, an employer may not discriminate against any
employee on the basis of the employee’s race, sex, age, religion, color, national origin
or disability. Iowa law also prohibits discrimination on the basis of pregnancy or
childbirth, or sexual orientation. In general, an employer cannot allow an employee’s
inherent characteristics or the fact that the employee complained about discrimination or
harassment to affect decision-making about that employee.
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Q.5 Does Iowa have a whistle blower’s law?
For state employees, Iowa Code §70A.28 and §70A.29 gives special protections
for state and/or local government employees regarding “whistleblowing.” A
governmental employer is not allowed to fire an employee for disclosing something that
they reasonably believe violates a law, or constitutes an abuse of funds, an abuse of
authority, or a danger to public safety.
However, there is also a public policy exception to the at-will doctrine which in
cases of whistleblowing would act to protect the employee. For example, when an
employee has the right or obligation to take action, the employer cannot punish the
employee for taking that action.
For example, an employee cannot legally be disciplined, demoted, denied a
promotion or fired because they have:
• Reported child or adult abuse as a mandatory reporter
• Reported their employer to the INS for immigration issues
• Complained to OSHA
• Complained to the Department of Labor
• Reported illegal behavior by a coworker, supervisor, or the company
This list does not contain every single basis that might exist for illegal retaliation
and/or whistle blower exceptions.
Q.6 Are there exceptions to Iowa’s employment-at-will doctrine?
• Discrimination based on your age, sex, race, color, national origin,
disability, pregnancy, sexual orientation, or gender identity
• Harassment based on any of the above characteristics
• Discrimination or harassment based on your association with someone
of a different race
• Retaliation because you have opposed or made a complaint about
illegal discrimination or harassment
• Retaliation because you have done something that you are legally
obligated or entitled to do
DEADLINES: Employees cannot protect their rights unless they take some kind
of action, like filing a civil rights complaint or a lawsuit, within a reasonable time frame
after something bad happens at work. Deadlines for taking action on employment law
cases vary by the type of case. They can be as short as 45 days in some cases.
Employees should act as soon as possible to make sure they are not left without a
remedy.
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Q.7 When should final paychecks be issued in the case of employers who are
closing their businesses as a result of the disaster?
When the employment of an employee is suspended or terminated, the employer
shall pay all wages earned, less any lawful deductions specified in Iowa Code § 91A.5
by the employee up to the time of the suspension or termination not later than the next
regular payday for the pay period in which the wages were earned as provided in §
91A.3. However, if any of these wages are the difference between a credit paid against
wages determined on a commission basis and the wages actually earned on a
commission basis, the employer shall pay the difference not more than thirty days after
the date of suspension or termination. If vacations are due an employee under an
agreement with the employer, or under a policy of the employer establishing pro rata
vacation accrued, the increment shall be in proportion to the fraction of the year in which
the employee was actually employed (Iowa Code § 91A.4).
Q.8 What is unemployment insurance?
Unemployment insurance (UI) is a program designed to provide temporary
financial assistance to workers who are unemployed through no fault of their own and
who meet the requirements of the Iowa Employment Security Law. UI benefits are paid
as a matter of past employment and legal entitlement, not on the basis of need.
Q.9 How do I qualify for unemployment insurance benefits?
The law sets qualifying requirements in three main areas: your past wages, your
job separation, and ongoing availability and work search requirements. You must meet
all of the following qualifying requirements in order to receive benefits.
Past wages: You must have earned enough wages in your base period. The
base period is the first four of the last five completed calendar quarters before you filed
your claim.
Reason for separation from your last work: You must be unemployed or partially
unemployed through no fault of your own in order to receive benefits.
Ongoing availability and work search: You must be physically able and available
to work. You must also be actively seeking work. If you are temporarily laid off and have
a definite return-to-work date, your work search requirements may be waived.
Q.10 How do I file for unemployment insurance?
To file a claim for unemployment insurance, you may report in person to the
nearest Iowa Workforce Development Center or you may file online. Before filing a
claim, you will need the following information:
• Your social security number.
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• The name, address and telephone number of your most recent
employer, and the beginning and ending dates that you worked for that
employer.
• An Alien Registration Number, if you are not a U.S. citizen.
• A DD-214 (Member 4), if you served in the U.S. Military during the last
18 months.
• An SF-8 form, if you worked for the federal government in the last 18
months.
• The name(s) of anyone you will be claiming as a dependent, up to a
maximum of four.
• The amount your spouse earned in the preceding week, if you want to
claim your spouse as a dependent (must be $120 or less to be
claimed).
Do not delay in filing your application because you may lose benefits if you are
not allowed to back date your application.
You can also go to the website www.iowaworkforce.org or call 1-800-JOB-IOWA.
There is also a guide entitled “Facts About Unemployment Insurance” for review. [See
Exhibit E]
Q.11 How should I file if I worked in another state or more than one state?
No matter in which state you may have worked, or in which state you may now
live, you can file your UI claim in the Workforce Development Center closest to your
current place of residence. Personnel in that office will assist you in determining against
which state you should file. There is a Workforce Development Center or a State
Employment Office in nearly every large town in the United States.
Q.12 What are the minimum and maximum amounts of UI benefits?
The minimum weekly benefit amount of UI in Iowa is $10.00. The maximum is
currently $426, although this will change on July 1, 2008. Your weekly benefit amount
could be anywhere in this range, depending upon the total amount of wages paid to you
during your base period and the number of dependents. The total amount of
unemployment insurance benefits payable to you would be equal to the lesser of 26
times your weekly benefit amount or one-third of your total base period wages.
Q.13 Are UI benefits taxable?
Any UI benefits you receive are taxable income. You will be issued Form 1099G
at the end of January showing the amount of benefits paid to you, as well as any federal
income tax withheld at the time the benefits were paid. The amount on the 1099G is not
reduced by any repayments you may have made for overpaid benefits. Therefore, if
you’re paid any benefits, you must maintain your record of payment, such as
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reimbursement receipts or canceled check notices to make adjustments to your taxable
income and as documentation for the federal Internal Revenue Service and State Tax
Office when you file your tax returns.
Q.14 What is Disaster Unemployment Assistance, or DUA?
If the President of the United States declares a disaster in your area, payment of
Disaster Unemployment Assistance may be authorized. Persons who become
unemployed as a result of the disaster, and who do not qualify for regular UI benefits,
may file for DUA. Should a disaster be declared in your area, your local news media will
provide information on how to obtain this assistance.
Q.15 Can I recover disaster unemployment benefits or assistance?
Yes. Disaster Unemployment Assistance provides financial assistance to
individuals whose employment or self-employment has been lost or interrupted as a
direct result of a major disaster declared by the President of the United States. Before
an individual can be determined eligible for Disaster Unemployment Assistance, it must
be established that the individual is not eligible for regular unemployment insurance
benefits (under any state or federal law). The program is administered by states as
agents of the federal government.
Q.16 Who qualifies for Disaster Unemployment Assistance?
In order to qualify for this benefit your employment or self-employment must have
been lost or interrupted as a direct result of a major disaster and you must have been
determined not eligible for regular state unemployment insurance.
Payment will be made to unemployed U.S. nationals and qualified aliens, who as
a direct result of a major disaster:
• No longer have a job.
• Are unable to reach the place of work.
• Were to commence work and does not have a job or is unable to reach
the job.
• Have become the breadwinner for the household because the head of
household has died or become incapacitated. (If you became a
breadwinner due to the death of a self-employed individual, you are
considered an unemployed worker for DUA purposes).
• Cannot work because of a disaster-incurred injury.
Q.17 What benefits are available?
Disaster Unemployment Assistance is available to individuals for weeks of
unemployment beginning after the date the major disaster began and for up to 26 weeks
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after the major disaster was declared by the President, as long as their unemployment
continues to be a result of the major disaster. The maximum weekly benefit amount is
determined under the provisions of the state law for unemployment insurance in the
state where the disaster occurred (see above).
Q.18 How do I file a claim?
Applications for Disaster Unemployment Assistance are available online at
www.iowaworkforce.org and can be submitted by mail or at local Iowa Workforce
Development Centers. Applications are also available at Workforce Development
Centers.
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D. SOCIAL SECURITY, BANKING, AND FINANCIAL ISSUES
Social Security Benefits
The Social Security Administration is attempting to ensure that all Social Security
Benefit Checks are received by all beneficiaries affected by the recent flooding in Iowa.
Flood victims seeking information on social security benefits or social security disability
benefits may also call 1-800-772-1213 to use Social Security’s automated phone
services to get recorded information and conduct some services 24 hours/day. If you
are deaf or hard of hearing, call our toll-free TTY number, 1-800-325-0778, between 7
a.m. and 7 p.m. Monday through Friday.
Additionally, if the applicant is blind, over the age of 65, or disabled and cannot
perform any kind of work, they should apply for benefits at the nearest Social Security
office. You can start an application by calling the Social Security Administration’s toll
free telephone number 1-800-772-1213. You can also apply online at
www.ssa.gov/onlineservices/. Once Social Security has all the necessary
documentation, such as proof of earnings and medical evidence of disability, it will send
a written decision. If the applicant is denied and you think they are eligible, you should
file a request for reconsideration within 60 days of the date of the initial decision. If they
are denied again, you should request a hearing and contact Iowa Legal Aid.
The applicant may also be eligible for other kinds of Social Security or SSI
benefits, on his/her account, or on the account of another if they want to retire, or they
are an aged or disabled widow or widower, or are the dependent family member of a
disabled, retired or deceased worker. If you think your client is eligible for any of these
benefits, you should contact the Social Security Administration and apply.
Social Security cards and payments
If you depend on social security benefits, you will need to contact the Social
Security Administration to verify your social security number. It's not always necessary
to have your social security card with you to verify your identity. There's a form that
people must fill out with their background information.
If your social security check has been lost or damaged, go to or call your nearest
Social Security Administration office. To find those locations, call 800-772-1213 or log
onto www.ssa.gov. If you are deaf or hard of hearing, call our toll-free TTY number, 1-
800-325-0778, between 7 a.m. and 7 p.m. Monday through Friday. For more
information, log onto www.ssa.gov/replace_sscard.html
Banking/FDIC Issues
Q.1 The local banks are not cashing my checks or letting me withdraw money
from teller stations, what can I do?
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If you have a bank account somewhere, they will cash your checks. If you don’t,
they won’t unless a special arrangement exists.
Q.2 My direct deposit is not showing up in my account, and I need money. Is
there somebody who can help me clear this up with the bank?
Sometimes there are delays in the processing of transactions, including direct
deposits, as banks activate backup plans to deal with the flooding. If any delays exist,
they should be rectified soon. You should talk to your bank directly about the problem.
You may also want to contact the individual or company that originated the deposit to
see if they have any information about the status of your deposit.
Q.3 If my ATM card does not work, what should I do?
If your ATM card will not work, you should contact your bank directly. It may be
that your bank’s verification system is not working. You may consider cashing a check
or using a credit card. If you cannot contact your bank, you should contact one of the
emergency service organizations, such as FEMA or the Red Cross.
Q.4 I am no longer working due to the storm and don’t have the income to live
on and meet my payments. If I miss some loan payments, how will this affect my credit?
Will I be charged late fees?
We are asking banks to work with customers hardest hit by the flooding. You
should talk to your bank directly and see if they may be willing to (i) allow some loan
payments to be skipped without it counting against your credit history, (ii) extend the
terms of your loan, and/or (iii) restructure loans to take into account your new
circumstances. Before skipping payments contact your bank. The FDIC is also
encouraging financial institutions to work with borrowers who are experiencing
difficulties beyond their control because of damage caused by the flooding.
Q.5 I need longer term financing until insurance checks come in, and I can find
another job, will banks help?
We understand that not all banks provide short-term, unsecured loans, but
regulators have encouraged banks to consider making loans on a short-term basis to
help consumers.
Q.6 Where can I find a list of banks that are working with displaced people?
The FDIC is encouraging depository institutions in the affected disaster areas to
meet the financial service needs of their communities. This includes extending
repayment terms, restructuring existing loans or easing terms for new loans. FDIC is
not currently maintaining a list of banks working with displaced people. You can contact
your bank directly to see if they’ve adopted a policy for assisting displaced people.
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Q.7 What about the contents of my safe deposit box? Does FDIC insurance
cover safe deposit boxes?
Deposit insurance does not cover safe deposit contents. Most safe deposits are
held in the bank’s vault, however, which are fireproof and waterproof. Contact your
bank branch where your box was located to determine the condition of your box.
Q.8 How will I get my Social Security check?
Your social security check should still be going to your account at your local
bank. If there have been any disruptions, you should contact your bank or the Social
Security Administration directly.
To get your social security check if you have not been receiving direct deposit, go
to the nearest office of the Social Security Administration which can be located by
calling 1-800-772-1213.
Q.9 I am worried about ID theft since my home was severely damaged during
the storm or I am not sure where my belongings are at the moment.
You may place a fraud alert on your account by calling any one of the three main
nationwide reporting companies at the numbers listed below. The alert tells creditors to
follow certain procedures before they open new accounts in your name or make
changes to your existing accounts.
Equifax: 1-800-525-6285
Experian: 1-888-EXPERIAN (397-3742)
TransUnion: 1-800-680-7289
Q.10 What happens if my bank has lost my records?
There has been no indication that any bank lost customer records in the flooding.
Banks are required to have extensive contingency plans for all types of disruptions to
operations including natural disasters. Banks have backup systems of records and
other built-in duplications that are housed in safe locations so that financial records can
be reconstructed and restored.
Q.11 If my local bank was destroyed, is my money still insured?
Yes, your money is still insured by the Federal Deposit Insurance Corporation
(FDIC). Deposits with a FDIC insured bank or savings institution will continue to be
protected up to $100,000. However, you should keep any financial records that you
have in order to help reconstruct your accounts.
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E. CONSUMER PROTECTION ISSUES
Q.1 What Iowa laws prohibit price gouging?
Attorney General Tom Miller has announced that the State's anti-price-gouging
rule is in effect in counties where disaster declarations have been issued in the wake of
tornadoes, storms or floods.
Price-gouging is the practice of taking advantage of disaster victims by
substantially raising the prices for needed goods or services without justification. Pricegouging
is considered an unfair practice under the Iowa Consumer Fraud Act when a
disaster declaration is in effect for a county. Iowa Code Section 714.16 describe the
practice as raising prices unreasonably above the price at which the merchandise or
service was sold in the usual course of business immediately prior to the onset of the
emergency. (The rule recognizes the fact that prices sometimes may be higher because
sellers also often incur increased costs.) The rule applies during the emergency
declaration and "subsequent recovery period" up to six months.
Consumers should be urged to contact the Iowa Attorney General’s Consumer
Protection Division at 1-888-777-4590 if they believe price gouging is occurring.
Q.2 What is “Home Equity Fraud”?
Home equity is the market value of the home minus the mortgage and other liens
on the home. For example, if a home’s market value is $100,000 and the mortgage and
all liens are $80,000, the equity is $20,000.
Home equity fraud is the taking of a homeowner’s equity by fraudulent means.
Victims of home equity fraud are most often elderly persons and person with limited
English speaking skills.
Home Repair/Lien Contract Scams
After a disaster, a homeowner frequently needs major repairs for serious
damage. This may include roofing and siding, plumbing, electrical wiring, heating and
cooling, replacement of damaged structures, interior living quarters, etc. The cost of
these repairs is most likely greater than the insurance coverage and the ability of the
homeowner to cover the cost. Frequently, a low-income homeowner has deferred
maintenance which may make the damage ineligible for FEMA funding.
The homeowner may feel trapped between the high cost of the repairs and the
limited funding for repairs. Unscrupulous contractors or salespeople will take advantage
of the fears of the homeowner and agree to make the repairs at unrealistic prices or
financing schemes. The salesperson or contractor then induces the homeowner to sign
a lien-contract secured by the home. The loan repayment amounts are higher than what
the consumer can afford to pay on a fixed income. Alternatively, the contractor provides
inadequate repairs or services and the consumer refuses to pay the note to the finance
company. The lien-contract, however, functions like a promissory note. If the
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homeowner misses only one payment the creditor may foreclose and sell the home
without ever going to court. The common result is that the homeowner not only fails to
have necessary repair work done, but loses his/her home through foreclosure.
Refinancing Schemes
Because of the increased costs of confronting an emergency, consumers
frequently fall behind in their credit payments or overextend themselves to the point that
they must choose whether to pay creditors or obtain basic necessities such as food.
Such consumers are often approached by finance companies promising to consolidate
the homeowner’s debt for existing mortgage, credit card debt, car loans and repair
loans. They then pressure the homeowner to sign multiple agreements without
sufficient time to review them or consult with anyone.
The negative outcomes of such refinancing schemes include high processing
fees, payments to bogus or phantom creditors and default on the loan. The homeowner
often cannot pay both the refinancing costs and basic living expenses, resulting in a
situation far worse than before the refinancing.
Lower income and minority borrowers, as well as elderly homeowners, are
usually targeted by predatory lenders. They encourage borrowers to lie about their
income in order to get a loan; knowingly lend the borrower more money than he/she can
repay; charge unnecessary fees; pressure borrowers into high-risk loans and use high
pressure tactics to sell home improvements and then finance them at higher interest
rates. These predators pounce on desperate situations to empty their pockets. A few
tips for consumers include:
• Beware of lenders who claim that they are the only hope for a loan or
ask borrowers to sign a contract/loan agreement with missing
information. Beware when lenders say refinancing your home can
solve credit or money problems.
• Always interview several contractors and lenders. Check with friends or
family for recommendations.
• Research lenders, contractors, appraisers, etc. with the Attorney
General’s Office or the Better Business Bureau. Check out their
complaint history.
• Never make false statements on a loan application. Any lender who
allows this is fraudulent.
• Do not let anyone convince you to borrow more money than you know
you can afford.
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• Attend homeownership education courses. They are available through
the U. S. Department of Housing and Urban Development (HUD) or
counseling agencies.
Foreclosure Consultants/Equity Purchasers
Some financial predators prey on persons during the foreclosure process. They
claim to be foreclosure experts who offer to assist homeowners after they receive a
notice of default. They take advantage of the homeowner's distress and offer to
purchase the home for below market value through misrepresentations on the value of
the home and on encumbrances. They represent to the homeowners that they may stay
in the property for the rest of their lives. In fact, after they obtain the property, they sell it
and the new owner serves the tenants with eviction papers. Clients should be warned of
such scams. Consumers should also be advised of the tips outlined in paragraph b
above as ways to guard against fraudulent lenders.
Caretaker/Befriender/Relative Scams
Isolated homeowners who need assistance to maintain their homes frequently
are victimized by friends, relatives or caretakers. They assist the homeowner with
household chores, including shopping or taking them on medical visits. Children of
elderly parents sometimes seek control of their parents’ property for their own uses. All
of these persons use scare tactics to convince the elderly, disabled or limited English or
non-English speaking person to transfer title of the property to them. Sometimes they
obtain a power of attorney when a person is very sick. Unbeknownst to the homeowner,
the power of attorney holder may convey or encumber the property and keep the
proceeds for him/herself.
Additional information about potential scams and consumer fraud in Iowa can be
found at the Iowa Attorney General’s website at
http://www.state.ia.us/government/ag/latest_news/releases/june_2008/AG_Warning_flo
od_tornado.html.
Q.3 What Iowa laws address home solicitation contracts?
Special laws cover home solicitation sales in Iowa and in other states. In a
consumer credit sale or a sale in which the goods or services are paid for in whole or in
part by a lender credit card or a consumer loan in which the lender is subject to
defenses arising from the sale under section 537.3405 of the Iowa code, a consumer
has, in addition to all the rights and remedies provided by chapter 555A of the Iowa
Code, which addresses door to door sales, a cause of action under section 537.5201 of
the Iowa Code, subsection 1, and the administrator has all powers granted under article
6, part 1, to enforce the provisions of chapter 555A of the Iowa Code.
Chapter 555A imposes certain duties on sellers and gives buyers certain contract
rights in the context of door-to-door sales, including the right to cancel any purchase
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contracts at any time prior to midnight on the third business day after the transaction
date.
Debtor/Creditor Law
Often disasters can trigger financial crises as victims fall behind in their bills.
Missed payments or collection actions can damage their credit ratings. Victims should
notify creditors of the situation as soon as possible. Some creditors will agree to
postpone payments for a period of time.
Debt Collection
Communicating and Negotiating with Creditors. If the debtor can afford to make
small monthly payments, s/he should contact the collector to ask if the payments are
acceptable and reach an agreement on all of the following:
Total amount owed on the bill, including the interest to be added each year;
Amount of monthly payments;
Due dates that payments must reach the collector;
Address where payments must be mailed; and
Whether the collector will remove negative information about the bill from the debtor's
credit report.
Documenting Communication between Debtor and Creditors. It is important for
debtors to keep a record of phone calls from the collector regarding the past due bill,
including the full names of the individuals s/he speaks with and date, time and details
about the conversations. If the debtor arranges a payment agreement, s/he should send
a brief letter confirming the terms of the payment plan. The debtor should always keep
copies of any letters and payments sent to the collector. Letters to the collector should
be sent by certified mail when possible.
Notifying the Collector of Debtor's Inability to Pay. Some debtors who have
relatively little employment income or prospects for such income might be considered
"judgment proof." Such people own no real estate other than their family home, no
personal property of significant value, no more than one car, and would probably not
have bank accounts or other investments with significant balances. Such debtors, those
unable to arrange a workable payment plan, should consider sending the collector a
letter informing the collector of the debtor’s inability to pay and requesting that the
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collector stop contacting the debtor about the debt. The debtor should include in the
letter any special circumstances which help explain the inability to pay. The debtor
should also inform the creditor of any collection practices by the creditor that the debtor
finds to be harassing. Sending such a letter will limit the collector's right to contact the
debtor.
Filing Bankruptcy. Bankruptcy may become a last resort option for disaster
victims who cannot satisfy their creditors. Filing bankruptcy will not necessarily cancel
all debts. It is recommended that individuals wishing to pursue bankruptcy proceedings
be referred to Iowa Legal Aid or a State Bar-certified lawyer referral service where an
experienced bankruptcy attorney can be identified. For information about lawyer referral
in Iowa call the Iowa State Bar Association’s Lawyer Referral Service at 1-800- 532-
1108.
What Happens when Debtors Fail To Pay? Debtors are not criminally liable for
owing debts; however, a collector may file a civil lawsuit against them to collect the debt,
and a court judgment will give the collector the right to collect any non-exempt assets.
Also, the collector has the right to report the unpaid debt to a credit reporting agency.
Normally, a creditor or collector must give a debtor a Notice of the Right to Cure a
default before resorting to other collection techniques. The right of the debtor to cure a
default exists in most cases involving consumer credit transactions. The debtor must be
given twenty (20) days to cure the default. This twenty day period must expire before
the creditor of collector can accelerate the debt, file a lawsuit, or engage in other
specified collection practices.
Auto loans (and other secured contracts) sometimes permit the collector to
repossess a car (or other collateral purchased with the proceeds of a loan) after a
borrower's failure to make payments. Iowa law requires that the debtor be given a
Notice of the Right to Cure the default prior to any involuntary repossession action. A
creditor does not need to give a second Notice of the Right to Cure if there has been a
default by the debtor within the past year and a Notice of the Right to Cure was given at
that time. The debtor may have to pay the full balance of the loan plus all costs of
repossession in order to regain possession. If the debtor cannot pay, the collector may
sell the car and sue the debtor for the amount the debtor owes over the sale price.
If a past due bill is for services a debtor continues to receive (e.g., utilities), the
collector may discontinue service or withhold reconnection, even if the debtor moves to
another residence. The collector may also sue to try to collect the unpaid balance.
How To Decide Which Bills to Pay First? Before deciding which bills to pay and
which to ignore, clients need to know the consequences. The four types of debts listed
below could have immediate, harmful consequences if unpaid.
• Court-ordered payments, such as alimony or child support, must be
paid on time or jail time could be sought for contempt of court. If clients
are unable to pay, do not simply ignore it. Ask the court to modify the
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payment order. A court will usually lower or eliminate your payments to
meet your new financial condition. (Additionally, if a client is on Social
Security Disability, her/his children should be eligible for "dependents'
benefits" which may entirely pay her/his support obligations. Check
with your local Social Security office.)
• Ongoing services, such as utilities, telephone service, or health
insurance coverage, must be paid or they will lose future service or
coverage.
• Items purchased on credit or pledged as security on a loan can usually
be taken if payments cannot be made. Under Iowa law, a lender
cannot unilaterally seize property unless the lender has given the
debtor a proper Notice of the Right to Cure. Normally, the creditor
must obtain a court judgment and an order instructing the sheriff to
seize the property. If extra time is needed to make payments, it is best
to contact the lender in advance of any repossession attempt by the
collector.
But be aware: even after a creditor has repossessed its collateral, it may still
have the right to recover money. For example, although a bank has repossessed a car,
if its resale value is less than what is owed, there may be liability for the difference.
Property That is Protected. Under federal and Iowa law there are certain things
that cannot be taken by a collector, regardless of how much is owed, regardless of
whether the creditor obtains a judgment, and regardless of whether or not the debtor
files for bankruptcy. Property that cannot be taken by collectors is often called “exempt
property.”
Some important examples of exempt property include:
• Social Security, unemployment, public assistance, veterans, or
disability benefits; (There are some exceptions for child support,
alimony, and taxes);
• Alimony and child support to the extent reasonably necessary for the
support of debtor and dependants;
• Homestead (house and surrounding land used and occupied by the
debtor and his/her family), up to one-half acre within a city or forty (40)
acres outside a city;
• All clothing and suitcases of the debtor or the debtor’s dependants kept
for actual use, household furnishings, musical instruments and
household goods (which includes cameras, TVs, and compact disc
players), up to $7000 in value;
• Books, portraits, and paintings, up to $1000 in value;
• Burial plot not exceeding one acre;
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• Professionally prescribed health aids for the debtor or a dependant of
the debtor;One motor vehicle, not to exceed $7000 in value (current
resale value);
• A wedding or engagement ring owned and received by the debtor on or
before the date of the marriage;
• Cash value of a life insurance policy if beneficiary is spouse or
dependent, up to $10,000 if purchased within two (2) years of
execution, and unlimited if purchased more than two (2) years before
execution;
• Cash, bank deposits or any other personal property not otherwise
provided for, up to $1000; and
• Tools of the trade of the debtor or dependant, up to $10,000 in value.
If all the property and income of the debtor is exempt property, then the debtor
should notify the creditors or collectors that s/he is judgment proof. Once the collector
knows that there is nothing to take, they will often write off the debt or at least stop
collection activity.
Credit Reporting
Legal Authority. This area is governed by the Federal Fair Credit Reporting Act,
15 U.S.C.A. Section 1681, which requires that credit reporting agencies furnish a free
copy of a consumer's credit report upon request within 30 days after the consumer is
notified of an adverse action. Credit reporting agencies also have a statutory obligation
to investigate consumers' claims. If a debtor disputes the contents of her/his credit
report, s/he should notify the credit reporting agency in writing.
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F. INSURANCE ISSUES
Q.1 Can I obtain immediate financial assistance from my homeowners
insurance company to pay for alternative living arrangements while I am displaced from
my damaged or destroyed home?
You may be entitled to additional living expenses (ALE) under your homeowner’s
policy. Ask your insurance company if you are entitled to these benefits under your
policy. Also ask your insurance company for a copy of your insurance policy so that you
can confirm whether the benefits are available to you.
Q.2 Do I have to pay my insurance premiums in light of disaster damage?
Yes, you generally must continue to pay your insurance premiums when due.
However, some insurers may grant extensions on payment deadlines. For example, the
Iowa Insurance Commissioner has directed all insurers in Iowa to grant 60-day grace
periods for collection of insurance policy premiums that came due before the end of
June 2008 and owed by residents of the state who are impacted by the storms or
flooding. This means that Iowa residents may have an additional 60 days to pay their
premiums, and that insurers cannot non-renew their policies due to late premium
payments. This will not forgive the owed premiums. The directive is voluntary, but
insurance companies generally have complied with these directives. Contact your
insurance company or the Iowa Insurance Division to determine if there are any
premium payment extensions that apply to you. The Iowa Insurance Division’s
telephone number is 1-877-955-1212. If you do not have contact information for your
insurance company, the Iowa Insurance Division can provide it to you.
Q.3 How can I preserve my claims and protect my right to repayment from
insurance coverage?
If you have any insurance policy which you think may cover your damage,
whether it is a homeowners, renters, or car insurance policy, call your agent, broker, or
insurance company as soon as possible and report your loss. Do this even if you are not
sure that there is coverage or if you do not know if the claim will exceed the deductible.
Make sure you write down the name of the person you speak to and the claim number
they will give you. If you do not have contact information for your insurance company,
the Iowa Insurance Division can provide it to you. The Iowa Insurance Division’s
telephone number is 1-877-955-1212.
Many companies have also established websites and local emergency claims
offices as part of the disaster response. Further, some companies may provide
additional contact points through newspaper or radio advertisements.
If you cannot get through to your insurance company by telephone, write them a
letter telling them of your loss and keep a copy of it. If you cannot find the insurance
policy, contact your agent, broker or insurance company. Ask for the entire policy, not
just the cover page or declarations.
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If you cannot stay in your home, make sure you give the insurance agent or
representative your new address and telephone number.
Q.4 What if I live in a condominium?
If you own a condominium, you should look at both the coverage provisions in
your association insurance policy and the coverage under your individual unit coverage
owner’s insurance policy.
Q.5 How do I get an insurance adjuster out to my home to assess the
damage?
You should request the insurance company to send an adjuster to look at your
property. It is best if this request is in writing. If necessary, you should contact the Iowa
Insurance Division at 1-877-955-1212. However, this will not be done until public
officials have declared it safe and have allowed such work to begin.
Q.6 What can I do to prepare for the insurance adjuster?
If circumstances allow, make a list of all property damaged or destroyed, take
pictures, collect names, addresses and telephone numbers of witnesses, obtain repair
estimates, keep a record of expenses, such as alternative housing, etc., and locate
original bills and receipts for lost items. If you do not have or cannot locate a complete
household inventory, try to picture the contents of every room in your home and then list
and describe all items that were damaged or destroyed. Include furniture, major
appliances, electronic equipment, pictures or accessories in each room, as well as
hobby items, tools, home maintenance items and seasonal items such as holiday
decorations and outdoor furniture. As accurately as possible, try to remember when and
where you bought each item, how much you paid and the cost of replacement. It is also
helpful to include brand names and model numbers where known. Submit these along
with your claim to the insurance company.
Q.7 What if I cannot wait for the insurance adjuster?
Some insurance policies provide for reimbursement for temporary housing and
relocation costs while your home is being repaired and for car rental costs while your car
is being repaired or replaced. Check your policy or call your insurance company. If your
situation is desperate, make sure that you let the insurance company know and, if the
insurance company agrees that there is coverage, ask for an advance payment toward
your losses.
Due to the extreme amount of damage caused by the flooding and storms, you
should make all necessary temporary repairs, such as boarding up windows, patching
holes in walls or roofs, or tarping the roof, as soon as possible even if you have not yet
seen the insurance company representative. You can also move your personal property
to protected areas and begin clearing and drying items damaged by water. You should
get the company’s permission before doing so whenever possible. You should also not
dispose of any items you believe may be a complete loss until the insurance company
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representative has examined them. Many companies will also give you an emergency
advance to cover some repair costs.
Take photos of the way things look before you begin cleaning and repairing and
keep receipts for all clean up and repair expenses.
Q.8 Can I hire someone to make emergency repairs?
Probably. Most homeowners’ policies cover materials and reasonable labor
expenses for temporary and emergency repairs in addition to any final repairs. You
should get several estimates if possible. You should also ask your insurance company
representative whether the company will reimburse you for work you do yourself. Be
sure to keep all of the receipts.
Q.9 A contractor told me he can do the job faster if I just sign my insurance
check over to him. Is that a good idea?
No. If the repair work is extensive, the contractor may ask for periodic partial
payments as the work progresses, but it is highly unlikely that a reputable contractor will
request full payment in advance. The contract should specify that payments will be
made as work is completed. If you have a mortgage on your home, the lending
institution may also have specific requirements as to how the insurance funds are
disbursed.
Q.10 What if the insurance company offers to settle?
You should consult a lawyer before signing any release or waiver and before
cashing any check from the insurance company which might be deemed full and final
payment of your claim. Before you settle with the insurance company, be aware of the
full extent of your damage and the full value of your claim. It may be important for you to
get estimates or to actually have the work completed before you agree to a specific cost
figure.
Q.11 What if the insurance company denies my claim or offers me less than I
think that I am entitled to receive?
You should demand that the insurance company give you its reasons in writing
for denying coverage or limiting your claim, and consult a lawyer. You should also ask
for any reports prepared by the insurance company when examining the insured’s
property or evaluating the insured’s claim.
Most insurance policies require that you bring suit against the insurance company
for failure to pay a claim within one year from the date of the occurrence of the damage.
If you do not file suit in time, you may be prevented from receiving any reimbursement.
Also, the Iowa Insurance Commissioner has recently publicly stated that a Flood
Mediation Service program initiated as an emergency response to the floods of 1993 will
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once again be activated. This service will allow insureds who have a settlement dispute
with their insurance company to utilize a mediator under contract with the Iowa
Insurance Division to determine if any elements exist in their own case that would allow
any additional payment amount in cases of homeowner claims for property losses
involving floods. This mediation program will be available in a few weeks and more
details will be released at that time. For more information, contact the Iowa Insurance
Division at 1-877-955-1212.
Q.12 Is the damage to my home covered under my insurance policy?
Hazard insurance (homeowners’ policies or other fire and extended coverage
policies) from the private sector generally covers the damage to the home caused by the
storms, except for damage caused by flooding, which is generally specifically excluded.
Victims should be asked whether they have separate flood insurance. Review all
applicable insurance policies.
Also, please read the paragraph regarding the Flood Mediation Service program
initiated by the Iowa Insurance Commissioner included in the answer to question 32
above.
Q.13 What if my insurance does not cover all of the damages to my home or
personal property?
You may be eligible for benefits under the FEMA program if you are unable to
pay for repair or replacement of essential parts of your home or essential personal
property. See the FEMA section of this manual. You may also keep all of your repair and
replacement receipts and file your losses with the IRS on your income tax returns next
year. For information, you may call 866-562-5227.
Q.14 Does my automobile insurance cover the damage to my car resulting from
the disaster?
Normally, this type of damage will be covered under the comprehensive policy
coverage, although the particular language and exclusions of the policy will control.
Even when there is a flood, wind, etc. exclusion, coverage may exist under a collision
policy if the disaster and the event causing the damage could be construed as a
collision. The courts have reached mixed results on this issue.
Q.15 Where can I live while my house is being repaired?
If your policy provides coverage for your loss, you will be insured for Additional
Living Expense coverage which pays for the costs you incur in excess of your normal
living expenses. For example, if you normally spend $1500 for mortgage/rent, utilities,
food, etc. and you now spend $2000 due to the disaster, the insurance company will
reimburse you $500. Be sure to save all receipts.
You should also ask the insurance company representative if there are any
restrictions on where and how long you can stay and how much you are allowed for
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hotel rooms. If you stay with a relative or friend, the company may reimburse your host
for lodging only if you can show proof of actual payment. Extra expenses, such as high
utility bills by the host, would definitely be considered. You can also submit a claim for
the cost of storing your personal property until your home is ready for occupancy.
Q.16 If a tree falls in my yard but does not damage my home or property, will
insurance pay for clean up and removal?
Generally, the fallen tree must cause damage to your home or property before
the insurance company is obligated to pay for clean up and removal. However, the
insurance company will pay for removal of a tree that is on your house, deck furniture, or
fence and some policies will pay for removal of trees that fall and block your driveway.
Q.17 If a neighbor’s tree falls on my property and hits my home, should my
neighbor’s insurance pay?
Generally, no. Unless negligence can be proven the neighbor’s policy covers
his/her house and your policy covers your house.
Q.18 If my business maintained vehicles which were damaged as a result of the
storms, is there coverage under my commercial auto policy?
The coverage depends upon the cause of the loss and upon whether you
purchased Comprehensive Coverage, Specified Causes of Loss Coverage, or Collision
Coverage. Specified Causes of Loss Coverage typically covers damage caused by fire,
theft, windstorm, flood, mischief or vandalism. Comprehensive Coverage typically
covers any cause of loss except collision or overturn. If you purchased only Collision
Coverage, then there likely is no coverage.
Q.19 My business property was damaged due to the storms. Is there coverage
under my commercial property policy for damage to the structure and for lost or
damaged contents?
The typical commercial property policy will pay for direct physical loss or damage
to covered property, including business personal property located in or on the premises,
resulting from a covered cause of loss. However, such policies may contain exclusions
for flood (including surface water, waves, tides, tidal waves, overflow of any body of
water, whether driven by wind or not) or collapse. You will need to refer to your policy to
determine if there are exclusions that apply. If your policy provides coverage, it may also
pay for the expense to remove debris off covered property.
Q.20 Am I entitled to replacement cost for covered property under my business’
commercial property policy?
The policy typically will allow actual cash value, which takes into consideration
depreciation of the property. However, you may have purchased an endorsement which
provides coverage on a replacement cost basis.
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Q.21 My business has not been operational since the storms. Is there
insurance coverage for my lost business?
If you have Business Interruption and Extra Expense coverage, you may be
entitled to recover the net profits and fixed charges and expenses you fail to earn
because of business interruption resulting from an accident. You may also be entitled to
recover the extra expense of operating your business from the day of the accident until
normal operations are restored.
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G. WILLS AND ESTATES
The Iowa Probate Code, or Iowa Code Chapter 633, governs the payment of
debts and distributions of the deceased individual’s assets. This body of law is highly
statutory and Chapter 633 is the best resource for any questions you may have.
After a person passes away (also known as the “decedent”), their assets and
debts (that are not otherwise controlled by joint tenancy or by pay-on-death beneficiary
instructions) pass directly into his/her estate. All assets of the decedent belong to the
estate, subject to the aforementioned exceptions.
Q.1 A relative died as a result of the storm and we are not sure if she had a
will. What should we do?
First establish whether the decedent had a will, as that fact will channel the
probate process into either the [a] testate (with a will); or [b] intestate (without a will)
process.
First, relatives should search for the will in any place where the decedent may
have kept it. Often, the will is kept one of the following places:
• safe or lockbox;
• safety deposit box;
• in the decedent’s personal files;
• with a trusted friend or relative; or
• with the decedent’s attorney.
Under Iowa Code §633.285, any person in custody of the decedent’s will is
obligated by law to deliver the will to the court. This can be done by [a] directly filing the
will with the probate clerk of court; [b] delivering the will to the executor named in the
will or his/her attorney; or [c] delivering the will to the administrator or his/her attorney if
the estate is already open. Failure to deliver the will to the court may subject the person
in possession of the will to contempt of court.
If the relative suspects that the will is in a safety deposit box but the relative does
not have access to the safety deposit box, the estate may be opened as an “intestate”
estate. (see Question 54 below). After an administrator is appointed, the bank holding
the safety deposit box will grant the administrator access after presenting [1] Letters of
Appointment of Administrator; and [2] a government issued photo identification. If the
will is subsequently found in the safety deposit box, the attorney for the administrator
can then petition the court to convert the intestate estate into a testate estate.
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Q.2 We know that our relative does not have a will. What happens now?
Once determining that the decedent did not have a will, the relative should [a]
collect and “freeze” the assets of the estate; and [b] see an attorney practicing probate
law as soon as possible. If the intestate estate is probated, [c] an administrator will be
appointed to pay the debts of the estate and [d] distribute remaining assets
A. COLLECT AND “FREEZE” DECEDENT’S ASSETS.
It is important that no one distribute or give away any assets of the estate before
the court determines that the estate has sufficient funds to pay all of the decedent’s
debts. A person who distributes or gives away the assets of the estate can be
personally liable for the value of the assets to the estate. Only the decedent’s bills
necessary to maintain the real estate owned or rented by decedent (if any) should
immediately be paid. These bills include the mortgage payments, homeowner’s \
renter’s insurance, electrical, natural gas, water, or other bills necessary to maintain the
premises in its current condition. Other than those bills, no bills of the estate should be
paid until an administrator has been appointed, the period to file claims against the
estate passes, and the court determines the priority of the debts that should be paid.
B. INITIAL MEETING WITH AN ATTORNEY.
The initial meeting with the attorney is essentially an information gathering
session, so the relative is encouraged to bring as much information and as many
documents as he/she deems helpful.
The attorney will conduct an interview with the relative to determine a number of issues
and collect the following information:
1. whether the decedent had a will;
2. biographical information of the decedent, including the complete name,
address, social security number, marital status, the spouse’s name (if
applicable), date of birth, date of death, and location of death;
3. biographical information of the petitioning administrator including the
complete name, address, date of birth, social security number, date of
birth, contact information (phone numbers and e-mail address), and
relationship to the decedent;
4. biographical information on all known heirs at law including the
complete name, address, date of birth, social security number, date of
birth, contact information (phone numbers and e-mail address), and
relationship to the decedent;
5. information regarding the assets of the decedent, including recent bank
statements, investment portfolios, insurance policies, appraisals,
abstracts, promissory notes, contracts, and other documents reflecting
the decedent’s ownership interest in the asset;
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6. information regarding the debts of the decedent, including bills,
payment schedules, promissory notes, contracts, debtor contact
information and other documents reflecting the decedent’s debts.
This will provide the attorney with enough information to start the probate
procedure. If probate is necessary, the attorney will then prepare the following
documents necessary to open an intestate estate:
1. Confidential Notice to Clerk of Court;
2. Court Officer Oath;
3. Designation of Attorney;
4. Petition for Administration of Estate;
5. Order Admitting Estate to Probate (optional – check local rules); and
6. Bond or Waiver of Bond by Heirs.
Additionally, the attorney will obtain the Letters of Appointment of Administrator
which are required by third parties for the administrator to act on the estate’s behalf. The
attorney must also publish the Notice to Creditors in a local periodical, typically a
newspaper, once a week for two successive weeks. Attorneys must further check with
the Iowa Estate Recovery Program to determine whether any Medicaid liens exist
against the decedent’s estate and provide notice to all known creditors.
C. DUTIES OF THE ADMINISTRATOR.
After the administrator is appointed by the court, the attorney should prepare a
letter to the administrator detailing the administrator’s duties and how the goals of the
estate are best accomplished. The administrator will have essentially the same powers
over the decedent’s assets as the decedent did during his/her lifetime, but without the
range of discretion. The administrator must act for the benefit of the heirs at law and
owes the estate a duty of good faith, care, and fair dealing. If the court determines that
the administrator self-dealt or acted in bad faith, the administrator may be removed from
his/her position and be liable to the estate for any damages it may have incurred.
D. DISTRIBUTION OF ASSETS.
If the debts of the estate are paid in full and assets are still owned by the estate,
the remaining assets are distributed amongst the “heirs at law” according the Iowa
Rules of Inheritance, Iowa Code §633.210 - 633.226.
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Q.3 A relative died as a result of the storm and we know that she had a will.
What happens now?
If you determine that the decedent had a will and you are unable to find the
original will, see question 1 above.
Typically, only a properly executed will is enforceable in court. If you are unable
to locate the original will, but you have an executed copy, a relative or attorney may
petition the court to accept the exact copy of the will in the absence of the original. The
relative or attorney thereof will have the burden of proving to the court that [a] the
original will was destroyed, and [b] the copy of the will is identical to the executed
original. If the court finds as such, the court may open the estate using an exact copy of
the will, rather than the executed original.
Regardless of whether the relative is in possession of the original will or an
executed copy, the relative should [a] collect and “freeze” the assets of the estate; and
[b] deliver the will to an attorney practicing probate law as soon as possible. If the
testate estate is probated, [c] an executor will be appointed to pay the debts of the
estate and [d] distribute remaining assets
A. COLLECT AND “FREEZE” DECEDENT’S ASSETS.
It is important that no one distribute or give away any assets of the estate before
the court determines that the estate has sufficient funds to pay all of the debts. A
person who distributes or gives away the assets of the estate can be personally liable
for the value of the assets to the estate. Only the decedent’s bills necessary to maintain
the real estate owned or rented by decedent (if any) should be paid. These bills include
the mortgage payment, homeowner’s \ renter’s insurance, electrical, natural gas, water,
or other bills necessary to maintain the premises in its current condition. Other than
those bills, no bills of the estate should be paid until after an executor has been
appointed, the period to file claims against the estate passes, and the court determines
the priority of the debts that should be paid.
B. INITIAL MEETING WITH AN ATTORNEY.
This initial meeting with the attorney is essentially an information gathering
session, so the relative is encouraged to bring as much information and as many
documents as he/she deems helpful.
The attorney will conduct an interview with the relative to determine a number of
issues and collect the following information:
1. whether the decedent had a will;
2. biographical information of the decedent, including the complete name,
address, social security number, marital status, date of birth, date of
death, and location of death;
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3. biographical information of the petitioning administrator including the
complete name, address, date of birth, social security number, date of
birth, contact information (phone numbers and e-mail address), and
relationship to the decedent;
4. biographical information on all known heirs at law including the
complete name, address, date of birth, social security number, date of
birth, contact information (phone numbers and e-mail address), and
relationship to the decedent;
5. information regarding the assets of the decedent, including recent bank
statements, investment portfolios, insurance policies, appraisals,
abstracts, promissory notes, contracts, and other documents reflecting
the decedent’s ownership interest in the asset;
6. information regarding the debts of the decedent, including bills,
payment schedules, promissory notes, contracts, and other documents
reflecting the decedent’s debts.
This will provide the attorney with enough information to start the probate
procedure. If probate is necessary, then the attorney will then prepare the following
documents necessary to open an intestate estate:
1. Confidential Notice to Clerk of Court;
2. Court Officer Oath;
3. Designation of Attorney;
4. Petition to Admit Will to Probate;
5. Order Admitting Will to Probate (optional – check local rules); and
6. Bond (if required by the Will).
Additionally, the attorney will obtain the Letters of Appointment of Executor which
are often required by third parties for the executor to act on the estate’s behalf. The
attorney must also publish the Notice to Creditors in a local periodical, typically a
newspaper, once a week for two successive weeks. Attorneys must further check with
the Iowa Estate Recovery Program to determine whether any Medicaid liens exist
against the decedent’s estate and give notice to all known creditors.
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C. DUTIES OF THE EXECUTOR.
After the executor is appointed by the court, the attorney should prepare a letter
to the executor detailing the executor’s duties and how the goals of the estate are best
accomplished. The executor will have essentially the same powers over the decedent’s
assets as the decedent did during his/her lifetime, but must act for the benefit of the
beneficiaries of the will and owes the beneficiaries the duties of good faith, care, and fair
dealing. The executor must also act in accordance with the intentions of the will. If the
court determines that the executor self-dealt, acted in bad faith, or acted contrary to the
intentions of the will, the executor may be removed from his/her position and be liable to
the estate for any damages it may have incurred.
D. DISTRIBUTION OF ASSETS.
If the debts of the estate are paid in full and assets are still owned by the estate,
the remaining assets are distributed amongst the beneficiaries of the will according to
the distribution scheme enumerated in the will.
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H. HEALTH CARE ISSUES
Information on Public Health Assistance
For information concerning flood assistance services being offered in Iowa, visit
the following websites or links:
IOWA
http://www.flood2008.iowa.gov/
Iowa Department of Public Health
http://www.idph.state.ia.us/
Iowa Department of Human Services
http://www.dhs.state.ia.us/Consumers/Assistance_Programs/CashAssista
nce/DisasterAssistance/StormHelp.html
Q.1 Do I need to get any vaccines before I return to clean up my home, which
sustained damage in the flood?
The Iowa Department of Public Health issued a press release on 6/15/08, saying
that flooding has not been shown to be a risk factor for tetanus or hepatitis A.
In cases where you or a family member have sustained a cut or skin abrasion,
first check your immunization records. If you are unsure or have not received a tetanus
booster in the last five years, see your medical provider. “A more likely threat during
flooding exists in regard to personal injury, especially carbon monoxide poisoning,”
(Public Health Director Tom) Newton added. “The key is to exercise caution, wash
hands regularly with soap and clean water for at least 20 seconds, and seek medical
attention if you experience symptoms of carbon monoxide poisoning, such as headache,
dizziness, weakness, or nausea.” For information about flood-related health issues, visit
www.idph.state.ia.us and look under "Topics of Interest" for flood information.
Q.2 How should I clean up mold in my home?
The federal Centers for Disease Control and Prevention (CDC) has issued
guidelines for the safe and effective cleanup of household mold, which many will
experience after a flood. Please view the mold removal and cleanup guidelines at:
http://www.bt.cdc.gov/disasters/pdf/flyer-get-rid-of-mold.pdf
And in Spanish at:
http://www.bt.cdc.gov/disasters/espanol/pdf/flyer-get-rid-of-mold-spanish.pdf
There is also a 15 page easy-to-read document on the EPA’s website about cleaning
your house after a flood at:
http://www.epa.gov/mold/flood/flood_booklet_en.pdf
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And in Spanish at:
http://www.epa.gov/mold/flood/flood_booklet_sp.pdf
There is more information about flood clean-up at:
http://www.epa.gov/mold/flood/index.html
http://www.epa.gov/naturalevents/flooding.html#flodding
http://www.idph.state.ia.us/adper/common/pdf/flood/reenter_home.pdf
Q.3 I did not bring my children’s immunization records with me when we
evacuated -- can I still enroll them in new schools?
You should be able to obtain a copy of your children’s immunization records from
your children’s doctor.
There is a federal law that requires a school to enroll a child, even without proof
of immunization, proof of residency, or birth certificates, if the child is considered to be
homeless. “Homeless” is defined in the McKinney-Vento Act (42 USC 11434a) as
including “sharing the housing of other persons due to loss of housing, economic
hardship or a similar reason, living in motels, hotels, trailer parks, or camping grounds
due to lack of alternative adequate accommodations, and living in emergency or
transitional shelters,” in addition to other situations.
Q.4 I need to enroll my child at a new school following my family’s evacuation
and do not have the birth card he/she will need to do so. Where can I obtain one?
There is a federal law that requires a school to enroll a child, even without proof
of immunization, proof of residency, or birth certificates, if the child is considered to be
homeless. “Homeless” is defined in the McKinney-Vento Act (42 USC 11434a) as
including “sharing the housing of other persons due to loss of housing, economic
hardship or a similar reason, living in motels, hotels, trailer parks, or camping grounds
due to lack of alternative adequate accommodations, and living in emergency or
transitional shelters,” in addition to other situations.
In order to obtain a new copy of your child’s birth certificate,
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• You can request a certified copy at the Iowa Department of Public
Health’s website:
http://www.vitalchek.com/Campaign?site=2&clickid=602356883953090
562. You can pay by credit card. There is a $13.00 fee in addition to
the $15.00 record search fee. It may take up to 3 weeks to process
your request.
• You can also send an Application for a Search for an Iowa Vital Record
to the Iowa Department of Public Health. A $15.00 fee is required for
the record search and it includes one copy of the record. The form is
available at: http://www.idph.state.ia.us/apl/health_statistics.asp
Upon completion of the application form with a notarized signature, attach a
check or money order payable to the 'Iowa Department of Public Health,' a clear
photocopy of the applicant's current, government-issued photo identification, and submit
to:
Iowa Department of Public Health
Bureau of Health Statistics
Lucas State Office Building, 1st Floor
Des Moines, Iowa 50319-0075
You can also call the Iowa Department of Public Health at (515) 281-4944 from
7:00 a.m to 4:45 p.m., Monday through Friday, except for state-observed holidays. You
can request a copy over the phone and pay with a credit card. Credit cards currently
being accepted include American Express, Discover, Mastercard, and Visa. Should
callers choose the credit card option, they will be connected to a health statistics
operator, who will explain the charges, run the card number through a credit check, and
take the person's required information. The fee to screen the credit card and
authenticate the caller is $9.00 in addition to the $15.00 record fee charged by the
department. It may take up to 3 weeks to process your request.
You can also call a toll-free number 866-809-0290 from 7:00 am EST - 8:00 pm
EST. If you choose the toll-free number an operator will take your information, screen
the credit card, authenticate your identity and complete your order. The fee to screen the
credit card, authenticate the caller, and the extended customer service hours is $13.00
in addition to the $15.00 record fee charged by the department. It may take up to 3
weeks to process your request.
Q.5 I evacuated from the flood and now I have no means of paying for my
prescription medications - what can I do?
For all Medicare Part D prescription benefit plans, the federal Department of
Health and Human Services has waived the rules that prevent early refills of
prescriptions. This should enable patients to get refills before the 30 days have passed.
You may also want to see if your physician can give you free samples of
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medications. You can also try going to a Free Medical Clinic in your area to see if they
can give you free samples of medications.
Another option is to request prescription assistance from a pharmaceutical
company. See https://www.pparx.org/Intro.php
Q.6 I have a relative who is a senior citizen or disabled and need help relocating
him or her. Whom can I call?
You can call your local Area Agency on Aging to see if there are any facilities in
your area that have openings. You can also check with the United Way’s 211 phone
number or go to their website: http://www3.irissoft.com/iowa/
In Iowa City, Legacy Gardens and Legacy Pointe Senior Living Communities
located at 1020 South Scott Blvd, Iowa City, IA will provide emergency flood relief for
senior citizens that are forced to evacuate their homes due to the flooding. They will
provide an apartment and three meals per day for all seniors 65 and older in Linn and
Johnson Counties FREE of charge for up to 7 days per person. Please call (319) 338-
4404, or Karen Davis 319-430-5971.
Q.7 Where can I take my pet or pick up my pet?
Questions about the animal flood shelter efforts can be answered by calling:
Des Moines: Animal Rescue League at 515-262-9503 from 9:30 a.m. – 7 p.m.
Outside of these hours contact Josh Colvin at 515-979-4229.
Iowa City: Iowa City Animal Care and Adoption Center at (319) 356-5295.
Cedar Rapids: Animal Shelter at Kirkwood Community College Iowa Equestrian
Center, 319-398-4980
Ottumwa: The Heartland Humane Society at 314 Fox-Sauck Road, at 641-682-
1228.
The Humane Society of the United States Animal Rescue Team helped rescue
stranded pets in Cedar Rapids. See an article at:
http://www.hsus.org/hsus_field/hsus_disaster_center/disasters_press_room/fieldnotes.h
tml
Q.8 My family member was in a hospital before the storm and we need to know
where he/she was evacuated. How can we find out?
For a flood or weather-related emergency related to health facilities, please call 515-
669-0976.
Mercy Hospital in Cedar Rapids was evacuated on Friday, June13, 2008. Patients were
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taken to hospitals and nursing homes throughout central and eastern Iowa. A help line
has been established for concerned family and friends. Questions may be directed to
Mercy's Pastoral Care Department at 319-398-6106.
HIPAA
Q.9 Are there exceptions to the HIPAA (Health Insurance Portability and
Accountability Act of 1996) requirements in the event of a disaster?
As you may know, HIPAA established fairly stringent privacy and
disclosure requirements for health care providers. There are certain exceptions to
these requirements in the event of a disaster. The following provides a summary
of what patient information can be shared in order to assist disaster relief efforts:
• Treatment. Health care providers can share patient information as
necessary to provide treatment.
o Treatment includes
sharing information with other providers (including
hospitals and clinics),
referring patients for treatment (including linking
patients with available providers in areas where the
patients have relocated), and
coordinating patient care with others (such as
emergency relief workers or others than can help in
finding patients appropriate health services.
o Providers can also share patient information to the extent
necessary to seek payment for these health care services
• Notification. Health care providers can share patient information as
necessary to identify, locate and notify family members, guardians, or
anyone else responsible for the individual’s care of the individual’s
location, general condition, or death.
o The health care provider should get verbal permission from
individuals, when possible; but, if the individual is
incapacitated or not available, providers may share
information for these purposes if, in their professional
judgment, doing so is in the patient’s best interest.
Thus, when necessary, the hospital may notify the
police, the press, or the public at large to the extent
necessary to help locate, identify or otherwise notify
family members and others as to the location and
general condition of their loved ones.
o In addition, when a health care provider is sharing
information with disaster relief organizations that, like the
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American Red Cross, are authorized by law or by their
charters to assist in disaster relief efforts, it is unnecessary to
obtain a patient’s permission to share the information if doing
so would interfere with the organization’s ability to respond to
the emergency.
• Imminent Danger. Providers can share patient information with anyone as
necessary to prevent or lessen a serious and imminent threat to the health
and safety of a person or the public – consistent with applicable law and
the provider’s standards of ethical conflict.
• Facility Directory. Health care facilities maintaining a directory of patients
can tell people who call or ask about individuals whether the individual is
at the facility, their location in the facility, and general condition.
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I. PERSONAL BANKRUPTCY ISSUES
Extensive flooding and tornadoes in Iowa are expected to make some storm
victims think about filing bankruptcy. Below is a summary of some common questions
about bankruptcy.
Q.1 What is involved in the bankruptcy process?
A bankruptcy case begins with the filing of a petition, schedules (forms on which
the debtor lists his/her property, secured debts, unsecured debts, exemptions, and other
information) and a statement of financial affairs that provides personal information.
Before filing, debtors will be required to take a credit counseling course either online,
over the phone or in person.
In a Chapter 7 case, the court will appoint a trustee to represent the interests of
creditors. About one month after filing, the Debtor must attend the “meeting of creditors”
with the trustee to answer questions regarding his/her assets and liabilities. Creditors do
not usually show up for these meetings. The creditor meeting is usually short, often
lasting less than five minutes. After the meeting, the trustee seeks to recover funds for
creditors through selling nonexempt property or recovering preferential payments to
creditors or fraudulent transfers. The proceeds are distributed to the creditors. About
two months after the meeting, a Debtor will receive his/her discharge of debts. A
Chapter 13 bankruptcy case begins by filing the same papers as in a Chapter 7. In
addition, a debtor must file a repayment plan that obligates him/her to pay some or all of
their debts over a 3-5 year period. Debtors make payments directly to the Chapter 13
trustee. The trustee then pays creditors according to the terms of the plan. When
creditors have been repaid according to the plan, a debtor will be discharged from all
debts listed in the bankruptcy.
Q.2 Which debts are not discharged in bankruptcy?
In general, debtors can’t obtain a discharge for: (1) back alimony and support, (2)
student loans, (3) damages resulting from driving under the influence, (4) court-ordered
restitution or criminal fines included in the sentence for conviction of a crime, (5) debts
incurred by fraud, (6) damages for willful and malicious injury to someone else’s person
or property, and (7) certain taxes and tax penalties. There are exceptions to these rules
though so be sure to consult an attorney.
Q.3 Does a bankruptcy filing stop a wage garnishment?
Yes. This is a result of the automatic stay that occurs when you file a bankruptcy
petition.
Q.4 What is a discharge in bankruptcy?
A "discharge" in bankruptcy means that you are legally free and clear of any
65
obligation to repay certain debts. The creditor no longer has any right to collect that
debt. The debtor no longer has any obligation to repay it.
Q.5 How can I escape from my student loan debt?
Student loans are dischargeable only on a showing of “undue hardship.” The
undue hardship standard is very hard to meet and there is currently no statute of
limitations for the collection of student loan debt.
Q.6 Can I repay a creditor if I want to - even after bankruptcy?
Yes. You can voluntarily repay a debt even if it would be discharged by your
bankruptcy.
Q.7 What is the automatic stay?
The “automatic stay” prevents a creditor from continuing to enforce a claim
against a debtor during the life of the bankruptcy case. This means that creditors cannot:
(1) File a new lawsuit, or continue a lawsuit that had already been filed; (2) Collection
letters; (3) Refuse to issue a transcript of school records; or (4) cancel your driver’s
license.
Q.8 I'm Married, Can I File by Myself?
Yes, but your spouse will still be liable for any joint debts. If you file together you
will be able to double your exemptions. In some cases where only one spouse has
debts, or one spouse has debts that are not dischargeable then it might be advisable to
have only one spouse file.
Q.9 Where do I file if I haven't lived in the same state or district for the last six
months?
A bankruptcy case should be filed where the debtor has lived "for the one
hundred and eighty days immediately preceding” the filing, “or for a longer portion of
such one-hundred-and-eighty-day period." This means that the case should be filed in
the bankruptcy district in which the debtor has lived for the greater portion of the last six
months.
Q.10 If I am going through a divorce, how will my ex-spouse filing bankruptcy
affect our divorce settlement?
A person who files for Chapter 7 bankruptcy cannot discharge alimony,
maintenance, and/or support debts.
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Q.11 Will my retirement plan be protected?
Yes, if the funds are in a qualified account. Retirement plans that are ERISAqualified
are protected and are not included as property of the bankruptcy estate.
Q.12 What effect does bankruptcy have on child support?
Any back payments owed for child support cannot be discharged in a bankruptcy
proceeding.
Q.13 What about Co-signers?
If someone has co-signed a loan with you and you file for bankruptcy, the cosigner
may have to pay your debt.
Q.14 Will my filing bankruptcy stop a foreclosure?
Filing a Chapter 7 bankruptcy temporarily stalls your lender’s right to foreclose,
until it gets permission to go forward with the foreclosure proceedings. Persons
commonly choose to file a Chapter 13 bankruptcy claim when the Debtor is facing
foreclosure on a mortgage.
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J. REPLACING LOST DOCUMENTS
Q.1 Some of my important documents were destroyed during the disaster.
What do I do?
Bank and investment account records
There is no indication that banks have lost any records, so you should contact
your bank directly regarding any records you have lost and request duplicates. The
FDIC has encouraged banks to be accommodating as a result of the flood.
Claims for lost, stolen or destroyed United States savings bonds, bearer
securities or registered securities can be made directly to the United States Treasury
Department at (www.treasurydirect.gov).
Birth, death, marriage certificates, divorce decrees
Birth, death, and marriage certificates are kept by the state in which the event
occurred. For Iowans, the Iowa Department of Public Health keeps such Vital Records.
These records typically cost $15 per request (subject to additional credit card fees and
shipping fees). These records may be requested in the following manners:
Phone: (515) 281-4944
Mail: Iowa Department of Public Health
Bureau of Health Statistics
Lucas State Office Building, 1st Floor
Des Moines, IA 50319
Online: http://www.idph.state.ia.us/apl/health_statistics.asp
In Person: Iowa Department of Public Health
Bureau of Health Statistics
Lucas State Office Building, 1st Floor
Des Moines, IA 50319
In order to facilitate the request, the requesting party should have information
relevant to the particular request, which may include some or all of the following: date of
birth, place of birth, parents’ full names, date of marriage, place of marriage, date of
death, place of death, and requestor’s reason for the order and/or relationship to the
person the vital record pertains to.
For additional information and instructions on obtaining birth, death, and marriage
certificates, visit the Iowa Department of Public Health website at:
http://www.idph.state.ia.us/apl/health_statistics.asp
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Additionally, birth, death and marriage certificates are kept in the county which
the event occurred. To obtain a copy of these Vital Records, contact the local County
Recorder and request a copy. Rates and fees for these certificates may vary from
county to county.
Divorce records certify that a divorce was recorded and contain other
administrative material including divorce date and location. They are available in the
same manner as birth, death and marriage certificates (as described above). However,
divorce decrees, which contain the substantive terms and conditions of the divorce
ruling / agreement, are filed with the court in the county in which the divorce occurred.
To obtain a copy, go to the County Clerk of Court where the divorce occurred and
request a copy of the divorce decree. Research, copy, and delivery fees may vary from
county to county. Provide the Clerk with names of the parties, the case number, and the
date of the divorce decree. In order to obtain this information, perform an Iowa Courts
Online Search at: http://www.iowacourts.state.ia.us/ESAWebApp/TrialSimpFrame
Driver’s license, passports, vehicle registration, and ownership documents.
The Iowa Department of Motor Vehicles has your photo in its databank and
should be able to assist you with submitting a new application and obtaining a new
drivers license. A new passport can be obtained at your local post office or Government
Passport Office (http://travel.state.gov/passport/forms/forms_847.html). Vehicle Titles
can be obtained in the county office where the vehicle is registered.
Deeds
These records are kept in the County Recorder’s office in the county in which the
property is located. You may also want to contact the company who last continued your
abstract for further information.
Food stamps
Special rules let the food stamp office help victims of disasters. Individuals who
may not otherwise be eligible for food stamps may qualify if (i) such individuals were
flood victims, (ii) the flood closed or destroyed stores or stopped the stores from getting
supplies, (iii) such individuals only need food for a short time; and (iv) stores are now
selling food again.
The food stamp office will also replace the actual value of food destroyed in a
disaster such as a flood if you are currently on food stamps. You must report to the food
stamp office what happened within 10 days. It will then verify what happened by
contacting Red Cross or someone else who can verify the circumstances or by coming
to your home. The food stamp office can replace up to the maximum monthly food
stamp allotment for your household size.
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Immigration documents
If you are a permanent resident who needs to replace your green card, or
conditional resident who needs to replace your two-year card that has been lost or
destroyed, you may apply for a replacement card by filing a USCIS Form I-90 with the
U.S. Citizenship and Immigration Services (http://www.uscis.gov/portal/site/uscis).
Medicare/Medicaid cards
Go to the Social Security Administration office and request a replacement card
(https://s044a90.ssa/gov/apps6a/IMRC/main.html).
Social Security cards
If you depend on social security benefits, you will need to contact the Social
Security Administration to verify your social security number and request a new card.
For more information go to www.socialsecurity.gov/emergency or
www.ssa.gov/replace_sscard.html.
To get your social security check, go to the nearest office of the Social Security
Administration which can be located by calling 1-800-772-1213.
Credit cards
If credit cards are lost, you should call the bank that issued the card and get a
new one as soon as possible. Be careful of identity theft as well. One way to combat
identity theft is to put a fraud alert on an individual’s credit report by contacting
TransUnion (800-680-7289), Equifax (800-525-6285) or Experian (888-397-3742).
Tax returns
To obtain copies of your federal tax returns, contact the IRS Service Center at
www.irs.gov or 1-800-829-1040. To obtain copies of your state tax returns, contact the
State of Iowa at www.state.ia.us/tax or 1-800-367-3388.
Wills and other estate planning documents
Normally, wills and other estate planning documents (also known as
testamentary documents) are not enforceable unless you have the executed original
documents. If that document is destroyed, you will need to obtain and execute a new
one. However, a copy of the destroyed original testamentary document may be used as
a template for the new one, thus saving you time and money in creating a new one.
If the testamentary document was created by an attorney, the attorney will likely
have a copy in his/her file or will have often provided copies to heirs, those acting as a
general power of attorney, a durable power of attorney, or your primary physician
regarding Living Wills.
70
Whether you are able to obtain copies of the testamentary document or not,
contact your attorney to help you execute new originals of the documents. Iowa has
strict laws to ensure the validity of testamentary documents, so consult your attorney to
ensure that the documents are property executed, witnessed, and/or notarized.
For instance, Iowa Code §633.283 requires that a will be:
1. in writing (or typewritten)
2. signed by the testator or testatrix
3. declared by testator or testatrix to be his or her will; and
4. witnessed by two competent, disinterested witnesses of legal age who:
a signed at the request of the testator or testatrix;
b singed in the presence of the testator or testatrix; and
c signed in the presence of each other.
5. Optional: notarized by a Notary Public In and For the State.
Many attorneys will only charge a nominal fee for re-executing testamentary
documents which are already in his/her possession or copies which required little of the
attorney’s time.
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K. RESOURCE AND REFERRAL GUIDE LOCAL RESOURCES
Statewide:
FEMA (Federal Emergency Management Adminstration)
Phone:1-800-621-3362 (Press 1 to apply for Disaster Assistance)
TTY (Hearing Impaired): 1-800-462-7585
Technical Assistance: (800) 745-0243
Fax: 1 (800) 827-8112
On-line applications: http://www.fema.gov/assistance/index.shtm
Go to https://asd.fema.gov/inter/locator/drcLocator.jsp for closest Center, hours, and
services.
Whenever possible, applicants are urged to make a phone or on-line application , rather
than first going to a recovery center. FEMA is accepting applications for Disaster
Unemployment Benefits (Deadline: most recently updated to August 11, 2008 for some
counties) and Individual Assistance (Deadline: September 29, 2008). Individual
Assistance allows homeowners, renters, business owners and non-profit organizations
to recover from the effects of severe storms, tornadoes and flooding that began May 25
and continues. These deadlines are accurate as of July 10, 2008 but may be enlarged
based upon later proclamations.
Disaster Unemployment Insurance
Iowa Workforce Development
515-281-5387 or 800 JOB-IOWA
For Deaf or Hard of Hearing, Use Relay 711
http://iowaworkforce.org/recovery
1000 East Grand Avenue
Des Moines, IA 50319-0209
Special Unemployment Insurance benefits for persons living and/or working in counties
declared disasters by Presidential proclamation. Deadline for application is based on
disaster declaration date; as of July 10, the most recently updated deadline is August
11, 2008 for some counties. This deadline is accurate as of July 10, 2008, but may be
enlarged. Check the Iowa Workforce Development website for updates. Can also apply
through FEMA.
Iowa Attorney General Consumer Protection
Toll Free: 1-888-777-4590
Fax 515-281-6771
http://www.iowa.gov/government/ag/consumer
1305 E. Walnut Street
Des Moines, IA 50319
Process complaints from consumer who believe they are getting scammed on repairs,
replacing damaged property, etc.
72
Iowa Department of Human Services
Toll Free: (877) 937-3663
To apply for State Individual Assistance Program benefits. Iowa residents who sustained
damage in this year’s storms or floods should apply for federal or state-only disaster
assistance grants if they are available (e.g. if the county is under the Presidential
Disaster proclamation). Residents are not eligible for both. By design, the federal
program is far more generous than the state-funded Iowa-only program. Deadlines and
declared counties may be changed (e.g. 8 counties were added to the FEMA list, and
thus removed from the State list, as of July 8, 2008). As of July 10, 2008, the application
deadline for this program is August 15, 2008.
Iowa Insurance Division, Consumer Affairs Bureau
Phone 515-281-5705
Fax 515-281-3059
Toll Free Consumer Line: 877-955-1212
http://www.iid.state.ia.us
330 Maple Street
Des Moines, IA 50319-0065
Process complaints from consumers about how insurance claims were handled, and/or
whether coverage was denied or insufficient.
Iowa Utilities Board
Toll-free 877-565-4450
Fax 515-281-5329
http://www.state.ia.us/government/com/util
350 Maple Street
Des Moines, IA 50319-0069
Process complaints concerning utilities.
United Way
For local disaster information or assistance, call 211.
By County:
NOTE: Listings below are for each county’s Emergency Management Coordinator,
which is the centralized contact agency. Stars are used to indicate the status of a given
county’s disaster declaration & relevant opportunities for assistance, as follows:
These counties have been declared a federal disaster by the President for
purposes of eligibility for FEMA Individual Assistance. These benefits
allow homeowners, renters, business owners and non-profit organizations
to recover from the effects of severe storms, tornadoes and flooding that
73
began May 25 and continues. This list is accurate as of July 10, 2008, but
additional counties may be declared eligible for FEMA help in the future. It
is important to check with FEMA for updates.
These counties have been declared a disaster by Governor Culver’s
Proclamation. Residents not eligible for FEMA benefits (except possible
Disaster Unemployment, if place of work is in a federal disaster county).
This list is accurate as of July 10, 2008, but additional counties may be
declared eligible for FEMA help in the future. It is important to check with
FEMA for updates.
These counties either have not been declared a disaster, or are a disaster
only for the purposes of public assistance for governments only, and not
individuals.
1 ADAIR:
Robert Kempf. Coordinator
Adair Co. Emergency Management Agency
200 N. 5th Street
Guthrie Center, IA 50115
641/322-3030
Fax: 641/747-3346
guthrieEMA@guthriecounty.org
2 ADAMS:
Donald D. Willet, Coordinator
Adams Co. Emergency Management Agency
901 7th Street
Corning, IA 50841
641/322-3623
Fax 641/322-5292
cfd11@frontiernet.net
3 ALLAMAKEE:
Chris Dahlstrom, Coordinator
Allamakee Co. Emergency Management Agency
1100 Allamakee Street
Waukon, IA 52172
563/568-4233
Fax: 563/568-4978
cdahlstrom@co.allamakee.ia.us
74
4 APPANOOSE:
Jerald Ballanger, Coordinator
Appanoose Co. Emergency Management Agency
12307 Highway 5
P.O. Box 399
Moravia, IA 52571
641/724-3223
Fax 641/724-3273
adlmema@iowatelecom.net
5 AUDUBON:
Lester Larson, Coordinator
Audubon Co. Emergency Management Agency
606 S. Division Street
Audubon, IA 50025
712/563-3483
Fax 712/563-3730
auddissvc@iowatelecom.net
6 BENTON:
Scott E. Hansen, Coordinator
Benton Co. Emergency Management Agency
111 E. 4th
P.O. Box 398
Vinton, IA 52349-0398
319/472-4519
Fax 319/472-5451
bentoncountyema@mebbs.com
7 BLACK HAWK:
Barbara Berquam, Coordinator
Black Hawk Co. Emergency Management Agency
1925 Newell Street
Waterloo, IA 50707
319/291-4373
Fax 319/291-6104
bhcema@co.black-hawk.ia.us
8 BOONE:
David E. Morlan, Coordinator
Boone Co. Emergency Management Agency
75
909 W. Mamie Eisenhower Avenue
Boone, IA 50036-3915
515/433-0592
Fax 515/432-2489
davem@co.boone.ia.us
9 BREMER:
Kip Ladage, Coordinator
Bremer Co. Emergency Management Agency
111 - 4th Street, N.E.
Waverly, IA 50677
319/352-0133
kladage@co.bremer.ia.us
10 BUCHANAN:
Rick Wulfekuhle, Coordinator
Buchanan Co. Emergency Management Agency
210 - 5th Avenue, N.E.
Independence, IA 50644
319/344-6411
Fax 319/334-7498
bcem@indytel.com
11 BUENA VISTA:
Robert Christensen, Coordinator
Buena Vista Co. Emergency Management Agency
411 Expansion Blvd.
P.O. Box 276
Storm Lake, IA 50588
712/749-2705
Fax 712/732-3397
bobc@bvema.com
12 BUTLER:
Steve Ulrichs, Coordinator
Butler Co. Emergency Management Agency
428 - 6th Street
P.O. Box 325
Allison, IA 50602
319/267-9967
Fax 319/267-2532
sulrichs@butlercoiowa.org
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13 CALHOUN:
Kerrie Hull, Coordinator
Calhoun Co. Emergency Management Agency
501 Court Street
Rockwell City, IA 50579
712/297-8323
Fax 712/297-7530
khull@calhouncountyiowa.com
14 CARROLL:
Derek White, Coordinator
Carroll Co. Emergency Management Agency
114 E. 6th Street
Carroll, IA 51401
712/775-2166
Fax 712/775-2058
ccemd@co.carroll.ia.us
15 CASS:
Jeremiah Thompson, Coordinator
Cass Co. Emergency Management Agency
5 W. 7th Street
Atlantic, IA 50022
712/243-1500
Fax 712/243-6679
jthompson@casscoia.us
16 CEDAR:
Mary Vavra, Coordinator
Cedar Co. Emergency Management Agency
711 E. South Street
Tipton, IA 52772
563/886-3355
mvavra@cedarcounty.org
17 CERRO GORDO:
Steve O’Neill, Coordinator
Cerro Gordo Co. Emergency Management Agency
78 S. Georgia Street
Mason City, IA 50401
77
641/421-3665
Fax 641/421-3662
soneil@co.cerro-gordo.ia.us
18 CHEROKEE:
Aimee Barritt, Coordinator
Cherokee Co. Emergency Management Agency
520 W. Main Street
Box D
Cherokee, IA 51012
712/225-6721
Fax 712/225-6733
cherema@iowatelecom.net
19 CHICKASAW:
Ken Rasing, Coordinator
Chickasaw Co. Emergency Management Agency
116 N. Chestnut Avenue
P.O. Box 214
New Hampton, IA 50659-0214
641/394-2406
Fax 641/394-4173
chiras@iowatelecom.net
20 CLARKE:
Allan Mathias, Coordinator
Clarke Co. Emergency Management Agency
100 S. Main Street
Osceola, IA 50213
641/342-6654
Fax 641/342-1545
clarkees1@iowatelecom.net
21 CLAY:
Eric Tigges, Coordinator
Clay Co. Emergency Management Agency
300 W. 4th Street, Suite 6A
Spencer, IA 51301
712/264-3987
etigges@co.clay.ia.us
78
22 CLAYTON:
Joel Biggs, Coordinator
Clayton Co. Emergency Management Agency
100 High Street
P.O. Box 464
Elkader, IA 52043
563/245-3004
Fax 563/245-3065
joelbiggs14@yahoo.com
23 CLINTON:
Chance R. Kness, Coordinator
Clinton Co. Emergency Management Agency
612 N. 2nd Street
P.O. Box 2957
Clinton, IA 52733-2957
563/242-5712
Fax 563/242-3095
ckness@clintoncountyiowa.com
24 CRAWFORD:
Gregory J. Miller, Coordinator
Crawford Co. Emergency Management Agency
38 N. Main Street
P.O. Box 473
Denison, IA 51442-0473
712/269-2422
Fax 712/263-2348
mlrlyte@frontiernet.net
25 DALLAS:
Barry Halling, Coordinator
Dallas Co. Emergency Management Agency
25749 ‘N’ Avenue
P.O. Box 56
Adel, IA 50003
515/993-2134
Fax 515/993-3476
dcema@dwx.com
26 DAVIS:
Jerald Ballanger, Coordinator
79
Davis Co. Emergency Management Agency
12307 Highway 5
P.O. Box 399
Moravia, IA 52571
641/724-3223
Fax 641/724-3273
adlmema@iowatelecom.net
27 DECATUR:
Richard Erke, Coordinator
Decatur Co. Emergency Management Agency
20401 N.W. Little River Lake Road
Leon, IA 50144
641/446-7307
Fax 641/446-4045
erke@grm.net
28 DELAWARE:
Mike Ryan, Emergency Management Coordinator
Delaware Co. Emergency Management Agency
301 E. Main Street
Manchester, IA 52057
563/927-3723
Fax 563/927-5561
mryan@co.delaware.ia.us
29 DES MOINES:
Gina Hardin, Coordinator
Des Moines Co. Emergency Management Agency
512 N. Main Street, Suite 1
Burlington, IA 52601
319/753-8206
Fax 319/753-8731
harding@co.des-moines.ia.us
30 DICKINSON:
Michael Ehret, Coordinator
Dickinson Co. Emergency Management Agency
1802 Hill Avenue, Suite 1202
Spirit Lake, IA 51360
712/336-3987
Fax 712/336-1850
80
dcem911@gmail.com
31 DUBUQUE:
Tom Berger, Coordinator
Dubuque Co. Emergency Management Agency
14928 Public Safety Way
Dubuque, IA 52002-8216
563/589-4170
Fax 563/589-0015
dbqema@yousq.net
32 EMMET:
Terry Reekers, Coordinator
Emmett Co. Emergency Management Agency
508 S. 1st Street
Estherville, IA 51334-2500
712/362-5702
Fax 712/362-2435
ematerf5@yourstarnet.net
33 FAYETTE:
William Ziegler, Coordinator
Fayette Co. Emergency Management Agency
114 N. Vine Street
P.O. Box 267
West Union, IA 52601
563/422-5856
Fax 563/5878
bziegler@co.fayette.ia.us
34 FLOYD:
Bridget Moe, Coordinator
Floyd Co. Emergency Management Agency
101 S. Main Street, Suite 108
Charles City, IA 50616-2756
641/257-6144
Fax 641/257-6306
floydema@floydcoia.org
35 FRANKLIN:
Steve O’Neill, Coordinator
81
Franklin Co. Emergency Management Agency
78 S. Georgia Street
Mason City, IA 50401
641/421-3665
Fax 641/421-3662
soneil@co.cerro-gordo.ia.us
36 FREMONT:
Chuck Larson, Coordinator
Fremont Co. Emergency Management Agency
2820 - 260th Street
Hamburg, IA 51640
712/374-2415
clarson@co.fremont.ia.us
37 GREENE:
Dennis Morlan, Coordinator
Greene Co. Emergency Management Agency
204 N. Grimmell Street
Box 416
Jefferson, IA 50129-0416
515/386-4404
Fax 515/386-8098
gcems@netins.net
38 GRUNDY:
Chris Heerkes, Coordinator
Des Moines Co. Emergency Management Agency
705 - 8th Street
Grundy Center, IA 50638
319/824-6933
Fax 319/824-5826
cheerkes@grundysheriff.org
39 GUTHRIE:
Robert Kempf, Coordinator
Guthrie Co. Emergency Management Agency
200 N. 5th Street
Guthrie Center, IA 50115
641/332-3030
Fax 641/747-3346
guthrieema@guthriecounty.org
82
40 HAMILTON:
Terry A. Johnston, Coordinator
Hamilton Co. Emergency Management Agency
2300 Superior Street
Webster City, IA 50595-3195
515/832-9518
Fax 515/832-9525
tjohnston@hamiltoncounty.org
41 HANCOCK:
Andrew Buffington, Coordinator
Hancock Co. Emergency Management Agency
875 State Street
P.O. Box 70
Garner, IA 50438-0070
641/923-2702
Fax 641/923-2460
hancoema@trvnet.net
42 HARDIN:
Douglas Riggs, Coordinator
Hardin Co. Emergency Management Agency
1201 - 14th Avenue
P.O. Box 173
Eldora, IA 50627
641/939-8132
Fax 641/939-8137
driggs@co.hardin.ia.us
43 HARRISON:
Larry Oliver, Coordinator
Harrison Co. Emergency Management Agency
111 S. 1st Avenue
Logan, IA 51546
712/644-2353
Fax 712/644-3711
hcema@harrisoncountyia.org
44 HENRY:
Ed Farley, Coordinator
83
Henry Co. Emergency Management Agency
220 W. Monroe Street
Mt. Pleasant, IA 52641
319/385-1479
Fax 319/385-1466
efarley@henrycountyiowa.us
45 HOWARD:
Darrell Knecht, Coordinator
Howard Co. Emergency Management Agency
124 S. Park Avenue
Cresco, IA 52136
563/547-1165
Fax 563/547-1165
dknecht@co.howard.ia.us
46 HUMBOLDT:
Pat Colwell, Coordinator
Humboldt Co. Emergency Management Agency
2221 - 220th Street
Humboldt, IA 50548
515/332-4809
Fax 515/332-5142
hczema@trvnet.net
47 IDA:
Edward Sohm, Coordinator
Ida Co. Emergency Management Agency
401 Morehead Street
Ida Grove, IA 51445-1429
712/364-2533
Fax 712/364-2746
idaemes@pionet.net
48 IOWA:
Alan Husband, Coordinator
Iowa Co. Emergency Management Agency
785 Cherry Avenue
Marengo, IA 52301-1010
319/642-3151
Fax 319/642-3826
iacoema@netins.net
84
49 JACKSON:
Lyn Medinger, Coordinator
Jackson Co. Emergency Management Agency
201 W. Platt Street
Maquoketa, IA 52060-2243
563/652-7036
Fax 563/652-6975
lmedinger@co.jackson.ia.us
50 JASPER:
Jim Sparks, Coordinator
Jasper Co. Emergency Management Agency
115 N. 2nd Avenue E.
Newton, IA 50208
641/792-7555
Fax 641/792-5254
ema@co.jasper.ia.us
51 JEFFERSON:
Jerry Calnon, Coordinator
Jefferson Co. Emergency Management Agency
1200 W. Grimes
Fairfield, IA 52556-2778
641/472-4146
Fax 641/469-3353
jerryemae911@lisco.com
52 JOHNSON:
Dave Wilson, Coordinator
Johnson Co. Emergency Management Agency
511 S. Capitol Street
Box 169
Iowa City, IA 52244
319/356-6028
Fax 319/339-6175
dwilson@co.johnson.ia.us
53 JONES:
Brenda Leonard, Coordinator
Jones Co. Emergency Management Agency
85
500 W. Main Street
Anamosa, IA 52205
319/462-4386
Fax 319/462-4386
ema@co.jones.ia.us
54 KEOKUK:
Larry G. Smith, Coordinator
Keokuk Co. Emergency Management Agency
515-1/2 N. Jefferson
P.O. Box 273
Sigourney, IA 52591-0273
641/622-2528
Fax 641/622-2139
lsmith5450@lisco.com
55 KOSSUTH:
Jim Kelly, Coordinator
Kossuth Co. Emergency Management Agency
121 W. State Street
Algona, IA 50511
515/295-5904
Fax 515/295-9304
kossema@co.kossuth.ia.us
56 LEE:
Steve Cirinna, Coordinator
Lee Co. Emergency Management Agency
811 Avenue ‘E’
P.O. Box 240
Ft. Madison, IA 52627
319/372-4124
Fax 319/372-7758
lee.county@iowa.gov
57 LINN:
Richard C. Mahaney, Coordinator
Linn Co. Emergency Management Agency
6301 Kirkwood Blvd.
P.O. Box 1387
Cedar Rapids, IA 52406-1387
319/363-2671
86
Fax 319/398-5316
rich.mahaney@linnema.com
58 LOUISA:
Thomas Colthurst, Coordinator
Louisa Co. Emergency Management Agency
12635 County Road G56
P.O. Box 313
Wapello, IA 52653
319/729-5870
Fax 319/729-5870
louisaema@louisacomm.net
59 LUCAS:
Jerald Ballanger, Coordinator
Lucas Co. Emergency Management Agency
12307 Highway 5
P.O. Box 399
Moravia, IA 52571
641/724-3223
Fax 641/724-3273
adlmema@iowatelecom.net
60 LYON:
Wayne Jepsen, Coordinator
Lyon Co. Emergency Management Agency
410 S. Boone
Rock Rapids, IA 51246
712/472-8330
Fax 712/472-2303
lyonlec@hickorytech.net
61 MADISON:
Todd Brown, Coordinator
Madison Co. Emergency Management Agency
112 N. John Wayne Drive
P.O. Box 152
Winterset, IA 50273
515/462-4255
Fax 515/462-3684
madisonemc@i-rule.net
87
62 MAHASKA:
Jamey A. Robinson, Coordinator
Mahaska Co. Emergency Management Agency
214 High Avenue E.
Oskaloosa, IA 52577
641/672-1209
Fax 641/673-2588
ema@mahaskacounty.org
63 MARION:
Jeff Anderson, Coordinator
Marion Co. Emergency Management Agency
214 E. Main Street
Knoxville, IA 50138
641/828-2256
Fax 641/828-2042
janderson@co.marion.ia.us
64 MARSHALL:
Deanna Bachman, Coordinator
Marshall Co. Emergency Management Agency
City Hall - 24 N. Center Street
Marhsalltown, IA 50158
641/754-6385
Fax 641/754-6389
dneldeberg@co.marshall.ia.us
65 MILLS:
Larry Hurst, Coordinator
Mills Co. Emergency Management Agency
418 Sharp Street
Glenwood, IA 51534
712/527-3643
Fax 712/527-4962
lhurst@millsctyema.org
66 MITCHELL:
Ray Huftalin, Coordinator
Marion Co. Emergency Management Agency
211 S. 6th Street
Osage, IA 50461
88
641/732-5872
Fax 641/732-3151
mitchell.county@iowa.gov
67 MONONA:
Randy Ross, Coordinator
Monona Co. Emergency Management Agency
909 - 7th Street
Onawa, IA 51040
712/433-1294
Fax 712/433-9595
mocoema@longlines.com
68 MONROE:
Jerald Ballanger, Coordinator
Monroe Co. Emergency Management Agency
12307 Highway 5
P.O. Box 399
Moravia, IA 52571
641/724-3223
Fax 641/724-3273
adlmema@iowatelecom.net
69 MONTGOMERY:
Tom Lewis, Coordinator
Montgomery Co. Emergency Management Agency
105 Coolbaugh
Red Oak, IA 51566
712/623-4940
Fax 712/623-2346
montgomerycountyemc@gmail.com
70 MUSCATINE:
Jeff Carter, Coordinator
Muscatine Co. Emergency Management Agency
Public Safety Bldg. - 312 E. 5th Street
Muscatine, IA 52761
563/288-2526
Fax 563/263-9340
muscatinecoema@machlink.com
89
71 O’BRIEN:
Anne Koontz, Coordinator
O’Brien Co. Emergency Management Agency
240 - 1st Street. N.E.
Box 482
Primghar, IA 51245-0482
712/757-4305
Fax 712/757-8305
obcema@tcaexpress.net
72 OSCEOLA:
Debra Geottig, Coordinator
Osceola Co. Emergency Management Agency
751 Johannes Street
Ashton, IA 51232
712/754-2381
Fax 712/754-4688
dgoettig@osceolacoia.org
73 PAGE:
Rod Riley, Coordinator
Page Co. Emergency Management Agency
615 Northwest Road
P.O. Box 569
Shenandoah, IA 51601-0569
712/246-4254
Fax 712/246-2871
rileyema@qwestoffice.net
74 PALO ALTO:
Mark Hunefeld, Coordinator
Palo Alto Co. Emergency Management Agency
1907 - 11th Street
Emmetsburg, IA 50536
712/852-4997
Fax 712/852-3247
paema@iowatelecom.net
75 PLYMOUTH:
Gary Junge, Coordinator
Plymouth Co. Emergency Management Agency
231 - 2nd Avenue, N.E.
90
LeMars, IA 51031
712/546-8101
Fax 712/546-8103
plyema@frontiernet.net
76 POCAHONTAS:
Tim McKiernan, Coordinator
Pocahontas Co. Emergency Management Agency
99 Court Square
Pocahontas, IA 50574-1629
712/335-3188
Fax 712/335-4300
tjmhsema@yahoo.com
77 POLK:
A. J. Mumm, Coordinator
Polk Co. Emergency Management Agency
111 Court Avenue
Des Moines, IA 50309
515/286-2107
Fax 515/323-5256
amumm@co.polk.ia.us
78 POTTAWATTAMIE:
Terry Hummel, Coordinator
Pottawattamie Co. Emergency Management Agency
227 S. 6th, Suite 23B
Council Bluffs, IA 51501
712/328-5777
Fax 712/328-5819
pott.ema@pottcounty.com
79 POWESHIEK:
Karen Meek, Coordinator
Poweshiek Co. Emergency Management Agency
609 - 4th Avenue
Grinnell, IA 50112
641/236-0160
Fax 641/236-0405
ema@poweshiekcosheriff.com
91
80 RINGGOLD:
Teresa Jackson, Coordinator
Ringgold Co. Emergency Management Agency
109 W. Madison Street, Suite 105
Mount Ayr, IA 50854
641/464-3344
Fax 641/464-0663
tjackson@iowatelecom.net
81 SAC:
Jim Bullock, Coordinator
Sac Co. Emergency Management Agency
1020 W Main Street
Sac City, IA 50583
712/662-4789
Fax 712/662-3316
sacesa@mchsi.com
82 SCOTT:
Ross Bergen, Coordinator
Scott Co. Emergency Management Agency
1609 State Street
Bettendorf, IA 52722
563/344-4054
Fax 563/823-4641
scema@msn.com
83 SHELBY:
Bob Seivert, Coordinator
Shelby Co. Emergency Management Agency
612 Court Street
Harlan, IA 51537
712/755-5160
Fax 712/235-6911
bsievert@shco.org
84 SIOUX:
Jake Anderson, Coordinator
Sioux Co. Emergency Management Agency
4363 Ironwoood Avenue, Suite 3
Orange City, IA 51041-7698
712/737-4010
92
Fax 712/737-3006
em@siouxcounty.org
85 STORY:
Lori Morrissey, Coordinator
Story Co. Emergency Management Agency
900 - 6th Street / Admin Bldg.
Nevada, IA 50201
515/382-7315
Fax 515/382-3349
storyema@aol.com
86 TAMA:
Roxanne Warnell, Coordinator
Tama Co. Emergency Management Agency
100 N. Main Street
P.O. Box 4
Toledo, IA 52342
641/484-6261
Fax 641/484-2198
rwarnell@tamacounty.org
87 TAYLOR:
Michael Ware, Coordinator
Taylor Co. Emergency Management Agency
1104 Dodge Street
Bedford, IA 50833
712/523-2840
Fax 712/523-2959
mickw@frontiernet.net
88 UNION:
Roger Nurnberg, Coordinator
Union Co. Emergency Management Agency
208 W. Taylor Street
Creston, IA 50801-3766
641/782-1622
Fax 641/782-2167
ucema@mchsi.com
93
89 VAN BUREN:
Jerry Calnon, Coordinator
Van Buren Co. Emergency Management Agency
1200 W. Grimes
Fairfield, IA 52556-2778
641/472-4146
Fax 641/469-3353
jerrymae911@lisco.com
90 WAPELLO:
Stephen O’Connor, Coordinator
Wapello Co. Emergency Management Agency
201 N. Wapello Street
Ottumwa, IA 52501
641/683-0666
Fax 641/683-0663
oconnors@ci.ottumwa.ia.us
91 WARREN:
Mahala Cox, Coordinator
Warren Co. Emergency Management Agency
115 N. Howard Street, Room 102
P.O. Box 337
Indianola, IA 50125
515/961-1105
Fax 515/961-1136
wcema@co.warren.ia.us
92 WASHINGTON:
Larry G. Smith, Coordinator
Washington Co. Emergency Management Agency
515-1/2 N. Jefferson
P.O. Box 273
Sigourney, IA 52591-0273
641/622-2528
Fax 641/622-2139
lsmith5450@lisco.com
94
93 WAYNE:
Bill Yeager, Coordinator
Wayne Co. Emergency Management Agency
100 N. Lafayette
P.O. Box 435
Corydon, IA 50060-0435
641/872-1903
Fax 641/872-2843
wacosan@grm.net
94 WEBSTER:
Tony Jorgensen, Coordinator
Webster Co. Emergency Management Agency
702 - 1st Avenue, S-LEC Bldg.
Ft. Dodge, IA 50501
515/573-1403
Fax 515/573-5232
ema@webstercountyia.org
95 WINNEBAGO:
Andrew Buffington, Coordinator
Winnebago Co. Emergency Management Agency
216 S. Clark Street
Forest City, IA 50436
641/585-1942
abuffington@winncosheriff.org
96 WINNISHIEK:
Bruce Goetsch, Coordinator
Winnishiek Co. Emergency Management Agency
400 Claiborne Drive
Decorah, IA 52101
563/387-4095
Fax 563/382-6099
ema96ia@netins.net
97 WOODBURY:
Gary E. Brown, Coordinator
Woodbury Co. Emergency Management Agency
121 Deer Run Trail
Climbing Hill, IA 51015
712/876-2212
Fax 712/876-2228
wcdes@netins.net
95
98 WORTH:
Ray Huftalin, Coordinator
Worth Co. Emergency Management Agency
211 S. 6th Street
Osage, IA 50461
641/732-5872
mitchell.county@iowa.gov
99 WRIGHT:
Jim Lester, Interim Coordinator
Wright Co. Emergency Management Agency
719 - 2nd Street, S.W.
P.O. Box 348
Clarion, IA 50525
515/532-3722
Fax 515/532-9026
jlester@co.wright.ia.us
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