#40 What Really Happens After A Disaster Strikes- Part 1

Did you know that, according to FEMA, only 38% of people in the U.S. are prepared for a disaster? In this episode of 38% Prepared, Angie and Leigh kick off a brand-new series focused on what happens after a disaster strikes.

🔍 What You'll Learn:

• What the "Sequence of Delivery" is and why it’s critical for disaster recovery

• The difference between the response and recovery phases

• Immediate actions to take after a tornado or similar disaster

• How to report property damage to local emergency management

• When and how to file insurance claims

• What mass care services are available right after a disaster

• Which initial FEMA assistance programs may be available

🌪 Disaster Scenario:

Using a tornado scenario, Angie and Leigh walk you through what happens when:

• Your home is damaged but still standing

• You have a hole in the roof and broken windows

• Your car is crushed by a fallen tree

• You have no power or internet access

🛠️ Key Actions After a Disaster:

• Find a safe place to stay if your home is uninhabitable

• Report property damage to local emergency management
  (Tip: Find out how to do this before disaster strikes!)

• File claims with both homeowners/renters insurance and auto insurance

• Seek out mass care services like sheltering, food, and emergency supplies

  
  

🏡 Initial FEMA Assistance Programs:

After an official disaster declaration, the following programs may be available:

• Lodging Expense Reimbursement (LER): Covers short-term lodging costs

• Rental Assistance: Helps with temporary housing costs

• Emergency Assistance: A one-time payment (around $750) for immediate needs

  
  

⚡ Important Notes:

• Local communities may offer additional resources not covered in this episode

• Insurance companies and contractors may be backlogged after major disasters

• FEMA will not duplicate benefits already covered by insurance

• Keep documentation of all expenses for reimbursement purposes

Resources