KE is an older Iowan living on only $100/month income and supported in part by her children. She resides in subsidized housing in Mason City, where her $30/month apartment received extensive damage during the June flooding in that community.
Many of KE’s possessions were destroyed and the apartment, though not destroyed, was made uninhabitable by the stench and growing mold problem. KE sought assistance from FEMA but was denied on the grounds of her having renters insurance, which had also denied her claim.
Iowa Legal Aid advised this elderly Iowan of relevant provisions of landlord tenant law and encouraged her to appeal FEMA decision. KE’s case was placed with a volunteer attorney in the community to further assist her road to recovery and the protection of her interests.
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ML is an elderly Iowan in poor health living in a mobile home in rural Wapello County. The mobile home was in poor condition even prior to the flood, with a leaking roof leading to some water related damage in the relentless rains of the early summer of 08. Flood waters then rose to further complicate ML’s life, damaging his home along with some of his possessions in nearby outbuildings.
Stress, age, and poor health likely combined to challenge ML’s ability to work with his insurance company and with FEMA. The result was that neither was stepping forward to help ML. ML was experiencing increasing anguish and confusion, often having difficulty relating the details to Iowa Legal Aid staff. Iowa Legal Aid intervened to clarify the insurance company’s position and to author an appeal to FEMA. The appeal is now pending.
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In 1999 an elderly very low-income Iowa couple received minor flood damage to their home. At that time they applied for FEMA assistance and were awarded $600 in damages. They were also advised that FEMA would withhold $200 of the award in order to purchase three years flood insurance on the couple’s behalf, a FEMA requirement. The couple never received verification of the flood insurance and spent a year contacting FEMA, and their elected representatives at the state and federal level trying to confirm that they had the required insurance. Ultimately they simply gave up and moved on.
The floods of 2008 destroyed their home and all of their property except for two changes of clothing. Likewise all correspondence around the 1999 flood was destroyed.
Their application to FEMA for assistance was denied on the grounds that they do not have the required flood insurance.
This couple, almost totally wiped out by the flood, is now living with their daughter. Elderly, poor and devastated they struggle to find their way through the bureaucracy to whatever hope for normalcy they may again achieve.
Iowa Legal Aid had agreed to work with them, coordinating communication with their Congressman’s office as well as overseeing an appeal to FEMA.
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A 73 year old Iowan living independently in a small town experienced multiple losses in the floods of 08. Her home, a historic family home, a small business and five other properties sustained significant damage, to the point that the home was unlivable and perhaps totaled. She had been successful in securing some initial support from FEMA, although it was less than the maximum allowable, and had found suitable temporary living quarters.
At this point however the issues she confronted came to simply overwhelm her and she reached out to the Legal Hotline for Older Iowans. Iowa Legal Aid has been able to help her focus on the steps she needs to take systematically and has filed an appeal with FEMA on her behalf.
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