AUSTIN, Texas – So, you and your family survived the big storm.

The water has been pumped out of your basement. Your walls and floors are dry. Your roof seems to be intact. Your electrical appliances are working fine. And your flood-soaked refuse has been removed to the landfill. You are grateful it’s all over. But is it really? Ask yourself, “Are my house and property ready for the next big one? Will my family be safe the next time we flood?”

Mitigation experts at the Federal Emergency Management Agency (FEMA) say there is no better time than now for homeowners to start thinking about what can be done to prepare for the next flood.

For the big jobs, homeowners will want to hire a reputable licensed contractor. FEMA mitigation officials suggest getting bids from two or three contractors. And ask for references. Many other repairs may be easy work for handy do-it-yourselfers. Tasks like relocating basement or first floor electrical equipment and appliances, however, may require the help of a professional.

Start with the main circuit breaker or fuse box. Move it up to at least 12 inches above the Base Flood Elevation (BFE) for your home or building. Your insurance agent or local flood plain administrator will be able to tell you what that number is.

Check with your local building department. If the electrical code allows, raise electrical outlets and switches above flood level.                                                                                                                                

If you need to replace a flood-damaged furnace, water heater or air conditioner, have the new one installed on a higher floor. If your air conditioner or heat pump is outdoors, install it on a raised platform. Place washers and dryers on blocks, making sure they will not vibrate off the blocks during use. A 1- or 2-foot waterproof floodwall around appliances will protect them from shallow flooding.

More do-it-yourself tips for repairing flood-damaged buildings:

  • Walls. If the wallboard and insulation were removed, wash and disinfect the exposed vertical wooden studs, and the horizontal wooden sills at their base. If rebuilding, consider metal studs and sills as they are less damaged by water than wooden ones.

  • Wallboard. If you install the wall board horizontally (4 feet high), you’ll only have to replace half the wall if the next flood is less than 4 feet deep. Leave the wall open 1 inch above the sill. The baseboards will hide the gap, and all you have to do after the next flood is remove the baseboard and the wall cavity will drain freely and air will circulate better.
  • Floors. Particle board or plywood fall apart when wet for lengthy periods. Floor joists and some wood floors regain their shape when naturally dried. Use screws or screw nails on floors and stairs to minimize warping. Completely dry subflooring before laying new flooring or carpeting. Renail, then sand or place a new underlayment for a new floor.

  • Paints. Completely dry the surface before painting. This may take several weeks, but paint will peel if applied over a damp surface. Coat concrete surfaces with penetrating sealer for easier future cleanup.

  • Windows and Doors. When appropriate, replace flood damaged windows with vinyl or metal framed windows. Hollow core or polysty­rene foam filled metal doors are water resistant.

Despite all that you have done, natural disasters are unpredictable, and even the best preparations may not hold up in the next flood.

The first step in moving on after a flood is getting rid of damaged or destroyed personal property that can’t or should not be saved. FEMA mitigation experts tell flood survivors to always throw out flood-dirtied cosmetics, medicines, stuffed animals, baby toys and food that may be spoiled. It’s also a good idea to get rid of mattresses, pillows, rugs, books and other paper products. Should you throw away this or that? Good advice from one FEMA mitigation specialist: If you have to ask, throw it away.

Next, dry out your house – lower the humidity. Open doors and windows to let fresh air circulate. Open closet and cabinet doors; remove drawers from their cabinets. Run dehumidifiers and fans. Give your housed plenty of time to dry. The rule of thumb is, if it takes one week for visible moisture to disappear, it will take at least another week for unseen parts to dry.

Alternatively, you may want to turn the job over to a flooding and storm damage professional. Go online to search “water damage restoration” or “dehumidifying.”

For more ideas on reducing flood loss, view FEMA’s booklet, “Protecting Your Home and Family From Flood Damage,” at https://www.fema.gov/media-library/assets/documents/21471  .

Texas homeowners and renters who have registered for disaster assistance with FEMA are encouraged by recovery officials to “stay in touch.” Applicants changing their address or phone numbers should update that information with FEMA. Missing or erroneous information could result in delays getting a home inspection or in receiving assistance.

Survivors with questions regarding their application for disaster assistance, or a pending appeal, should visit DisasterAssistance.gov or call the FEMA Helpline (voice, 711 or relay service) at 800-621-3362. (TTY users should call 800-462-7585.) The toll-free lines are open 7 a.m. to 10 p.m. seven days a week. Multilingual operators are available.

For more information on Texas recovery, visit the disaster web page at www.fema.gov/disaster/4245, Twitter at https://www.twitter.com/femaregion6 and the Texas Division of Emergency Management website, https://www.txdps.state.tx.us/dem.                            

                                                   
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All FEMA disaster assistance will be provided without discrimination on the grounds of race, color, sex (including sexual harassment), religion, national origin, age, disability, limited English proficiency, economic status, or retaliation. If you believe your civil rights are being violated, call 800-621-3362 or 800-462-7585(TTY/TDD).

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards. 

Visit www.fema.gov/texas-disaster-mitigation for publications and reference material on rebuilding and repairing safer and stronger.

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After the Flood: What Texans Need to Do to Prepare For the Next Disaster

AUSTIN, Texas—The State/FEMA Disaster Recovery Center (DRC) at the Hays County Government Center, 712 S. Stagecoach Trail, San Marcos, TX 78666, will transition to a U.S. Small Business Administration (SBA) Disaster Loan Outreach Center (DLOC) beginning Tuesday, Jan. 19.

The Caldwell County DRC, located at the Allen Bates River Park at the intersection of FM 1979 and Fannin Street, Martindale, TX 78617, will close at 6 p.m. Thursday, Jan. 14.

The San Marcos DRC at the Hays County Government Center will remain open until 5 p.m., Friday, Jan. 15. The DLOC will open for business, at the same address, Tuesday, Jan. 19. DLOC hours of operation will be 8 a.m. to 5 p.m. Monday–Friday. Representatives from the SBA will be available at the DLOC to meet individually with residents and business owners who sustained damage as a result of the severe storms, tornadoes, straight-line winds and flooding from Oct. 22 to Oct. 31. They will answer their questions, explain SBA’s disaster loan program, help them complete their applications and close their approved disaster loans.

DRCs, operated by the State of Texas and the Federal EmergencyManagement Agency (FEMA) and supported by other agencies, remain open until the needs of area residents have been met. The centers serve as a one-stop shop for information and guidance about disaster assistance.

Visiting a DRC is not required to register for FEMA assistance. Those with questions regarding the application process, or who decide to register for assistance after a DRC closes, can apply online at DisasterAssistance.gov or by phone (voice, 711 or relay service) at 800-621-3362. (TTY users should call 800-462-7585.) The toll-free lines are open 7 a.m. to 10 p.m. seven days a week.

Texas homeowners and renters who have registered for disaster assistance with the Federal Emergency Management Agency (FEMA) are encouraged by recovery officials to “stay in touch.” If survivors change their address or phone numbers they should update that information with FEMA. Missing or erroneous information could result in delays getting a home inspection or in receiving assistance.

For more information on Texas recovery, visit the disaster web page at www.fema.gov/disaster/4245, Twitter at https://www.twitter.com/femaregion6 and the Texas Division of Emergency Management website, https://www.txdps.state.tx.us/dem.

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All FEMA disaster assistance will be provided without discrimination on the grounds of race, color, sex (including sexual harassment), religion, national origin, age, disability, limited English proficiency, economic status, or retaliation. If you believe your civil rights are being violated, call 800-621-3362 or 800-462-7585(TTY/TDD).

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling 800-659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call 800-877-8339.

Source – 

SBA to Open Disaster Loan Center in San Marcos; Martindale DRC to Close

Why did I get a letter stating I’m ineligible?

FEMA routinely corresponds with applicants to let them know if they qualify for federal disaster assistance. The most common reasons for receiving a determination of ineligibility are:

  • Adequate insurance coverage.
  • Insufficient storm-related damage.
  • Missing documentation needed to complete the assistance evaluation process.

What are examples of missing documentation?

You may need to provide an insurance settlement letter, proof of residence, proof of ownership of the damaged property, or proof that the damaged property was your primary residence at the time of the disaster.

What should I do if I receive a letter?

Please call the FEMA Helpline at 800-621-FEMA (3362), or (TTY) 800-462-7585 from 7 a.m. to 10 p.m. (local time) to check the status of your application, update your contact numbers or ask any questions. Users of 711 or Video Relay Services should call 800-621-3362.

If instructed and needed, applicants can simply submit missing documentation to FEMA online, by mail or fax, or in person at a Disaster Recovery Center.

What if my insurance doesn’t cover all my needs?

FEMA cannot duplicate insurance payments, but underinsured applicants may receive further assistance for unmet needs:

  • If you are unable to live in your home due to disaster damage and your insurance policy does not cover temporary rental assistance, you may be eligible for rental assistance from FEMA.
  • If your home sustained property damage and you’re still waiting for an insurance settlement payment, you may be eligible for an advance from FEMA.

Why am I being contacted by the U.S. Small Business Administration (SBA)?

Residents and business owners may automatically be referred to the SBA for possible low-interest disaster recovery loans to cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations.

You should not wait for your insurance settlement to apply for a low-interest disaster from SBA. In disaster recovery, SBA’s low-interest loans may be the primary source of the federal funds for the long-term repair and replacement of disaster-damaged private property for business of all sizes, private non-profit organizations, homeowners and renters.

What if I find more disaster-related damage?

Explain in your written appeal why you need additional home repair assistance. For instance, if you discover the costs of disaster-related home repairs exceeds your home repair grant, you can appeal the initial determination. To wage an effective appeal, include any supporting documentation, such as repair estimates, receipts, statements or invoices. FEMA may send another inspector to your damaged property.

Can I appeal FEMA’s determination of eligibility?

You may appeal any decision made by FEMA. By doing so, you are asking FEMA to review your case. Appeals may relate to your initial eligibility determination, the amount or type of assistance received, the need for Continued Temporary Housing Assistance, or other disaster-related decisions.

How do I appeal the decision?

All formal appeals must be filed in writing to FEMA. Appeals must be submitted within 60 days of receipt of a letter denying assistance.

What else should I include in my appeal?

To ensure accuracy and help FEMA personnel process your appeal quickly, please include the following information in your letter of appeal:

  • Your full name
  • The address of your damaged property
  • Current contact information
  • Disaster number: DR-4223-TX
  • Last four digits of your Social Security number
  • Your birthdate and place of birth
  • Your 9-digit FEMA registration number on each page and on supporting documentation
  • Your letter must be either notarized, include a copy of a state issued identification card, or include the following statement, “I hereby declare under penalty of perjury that the foregoing is true and correct.”
  • You must sign the letter

If someone other than you or the co-applicant is writing the letter, there must be a signed statement from you affirming that the person may act on your behalf. You should keep a copy of your appeal for your records.

Where do I send my appeal letter?

By mail:

FEMA – Individuals & Households Program
National Processing Service Center
P.O. Box 10055
Hyattsville, MD 20782-8055

By fax:

800-827-8112
Attention: FEMA – Individuals & Households Program

Continued here: 

Frequently Asked Questions on Letter of Eligibility

AUSTIN, Texas – A letter stating a household is ineligible for disaster assistance may not be the final word on a Federal Emergency Management Agency (FEMA) application.

The most common reasons for receiving a determination of ineligibility are:

  •          Adequate insurance coverage.
  •          Insufficient storm-related damage.
  •          Missing documentation needed to complete the assistance evaluation process.

Examples of missing documentation may include an insurance settlement letter, proof of residence, proof of ownership of the damaged property, and proof that the damaged property was the applicant’s primary residence at the time of the disaster. If instructed and needed, applicants can simply submit missing documentation to FEMA online, by mail or fax, or by visiting a Disaster Recovery Center.

“We want to ensure everyone eligible for disaster assistance receives as much help as possible,” said Federal Coordinating Officer Kevin L. Hannes. Disaster assistance for homeowners and renters may include grants to help pay for temporary housing, essential home repairs or other serious disaster-related needs. “But remember – grants only cover uninsured or under-insured losses.”

If you receive a letter of ineligibility, call the FEMA Helpline at 800-621-FEMA (3362), or (TTY) 800-462-7585 from 7 a.m. to 10 p.m. (local time) to check the status of your application, update your contact numbers or ask any questions. Users of 711 or Video Relay Services should call 800-621-3362.

Applicants ineligible for FEMA grants may still be eligible for other programs, such as disaster unemployment assistance. Low-interest disaster loans from the U.S. Small Business Administration (SBA) are also available for businesses of all sizes, private nonprofit organizations, homeowners and renters to pay for repair or replacement costs not covered by insurance or other sources.  

Residents and business owners may automatically be referred to the SBA for possible low-interest disaster recovery loans that cover these losses not fully compensated by insurance or other resources and do not duplicate benefits of other agencies or organizations.

You should not wait for your insurance settlement to begin an application for a low-interest disaster from SBA. In disaster recovery, SBA’s low-interest loans may be the primary source of the federal funds for the long-term repair and replacement of disaster-damaged private property for business of all sizes, private non-profit organizations, homeowners and renters.

If an applicant has insurance, FEMA cannot duplicate insurance payments. However, under-insured applicants may receive further assistance for unmet needs after insurance claims have been settled.

“If you are unable to live in your home due to disaster damage and your insurance policy does not cover temporary rental assistance, you may be eligible for rental assistance from FEMA,” said Hannes. “If you suffered damage and you’re still waiting for an insurance settlement payment, you may be eligible for an advance from FEMA.”

When requesting an increase in a FEMA grant award for home repairs, applicants should submit repair estimates, receipts or invoices to wage an effective appeal.

Applicants may appeal any FEMA decision. By doing so, they are asking FEMA to review their case again. “For instance, if you discover you need more disaster-related home repairs than first projected, you can appeal the initial determination,” said Hannes.

All appeals must be filed in writing to FEMA. Applicants should explain why they think the decision is not correct. To ensure accuracy and help FEMA personnel process your appeal quickly, please include the following information in your letter of appeal:

  •          Your full name
  •          The address of your damaged property
  •          Current contact information
  •          Disaster number: DR-4223-TX
  •          Last four digits of your Social Security number
  •          Your birthdate and place of birth
  •          Your 9-digit FEMA registration number on each page and on supporting documentation
  •          Your letter must be either notarized, include a copy of a state issued identification card, or include the following statement, “I hereby declare under penalty of perjury that the foregoing is true and correct.”
  •          You must sign the letter

If someone other than you or the co-applicant is writing the letter, there must be a signed statement from you affirming that the person may act on your behalf. You should keep a copy of your appeal for your records.

To file an appeal, letters must be postmarked, received by fax, or personally submitted at a Disaster Recovery Center within 60 days of the date on the determination letter.

By mail:

FEMA – Individuals & Households Program
National Processing Service Center
P.O. Box 10055
Hyattsville, MD 20782-7055

By fax:

800-827-8112
Attention: FEMA – Individuals & Households Program

Applicants may check the status of their applications or update their contact information online at www.disasterassistance.gov or by calling the FEMA Helpline at 800-621-FEMA (3362) or (TTY) 800-462-7585. The toll-free phone lines remain open from 7 a.m. to 10 p.m. (local time), seven days a week until further notice. 

More information on filing an appeal can be found online at www.disasterassistance.gov or in the Help After a Disaster that FEMA mails to each applicant.

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Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status.  If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). For TTY, call 800-462-7585.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.  Follow us on Twitter at https://twitter.com/femaregion6.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling 800-659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call 800-877-8339.

FEMA’s temporary housing assistance and grants for childcare, medical, dental expenses and/or funeral expenses do not require individuals to apply for an SBA loan. However, those who receive SBA loan applications must submit them to SBA to be eligible for assistance that covers personal property, transportation, vehicle repair or replacement, and moving and storage expenses.

Visit www.fema.gov/texas-disaster-mitigation for publications and reference material on rebuilding and repairing safer and stronger.

Taken from – 

Letter on Eligibility May Not Be Last Word on Disaster Assistance for Texans Affected by Storms, Floods

MONTGOMERY, Ala. — Repairing damage after a disaster can be expensive.  In cases of severe damage, the costs can be staggering.

However, many projects can be done for little or no money.  Most can make a big difference in helping minimize damage from the next disaster and provide the extra bonus of lowering utility and home-maintenance costs year-round.

Here are some ideas:

Cut it short.  When replacing drywall, leave a ½-inch to 1-inch gap between the bottom of the drywall sheeting and the top level of the floor.  (If adding carpet be sure the gap is above the carpeted level). Cover the gap with baseboard. Cost:  Free for this technique. Drywall and baseboard costs are separate. Benefit:  Water won’t come in contact with the drywall in a low-level flood (this includes interior liquid spills, like in a kitchen). When water meets drywall, it wicks up into the wallboard which can lead to mold if left untreated.

Power up.  Raise electrical outlets. Check first to see what local codes allow. Most don’t have restrictions on the height of an outlet above the floor.  Consider moving outlets up at least 1 foot above the minimum flood level or 24 inches above floor level. Cost: Free, if done after drywall has been removed.  If drywall is still in place, costs can vary. Benefit: Helps keep water from seepage or a low-level flood from infiltrating and damaging an electrical outlet, which can cause damage to an electrical system and normally requires an electrician to repair/replace.

Show your numbers. Add visible address numbers to the house exterior and to the street curb or mailbox.  Though it seems like a small task, it will make a difference if there is an emergency.  Large numbers are best. Cost: Most house numbers sold at home- improvement stores are 6 inches tall and cost about $2 each.  Benefit: Missing or barely visible house numbers can cause dangerous delays for emergency responders. The larger the numbers, the easier they are to see at night and during bad weather.

Put on a strip:  Install weather stripping on outside doors and windows to help seal out air and even water.  Weather stripping should seal well when a door or window is closed. Closing the gaps can save up to 15 percent in heating and cooling costs and can help minimize the intrusion of low-level water.  Cost: Weather stripping supplies and techniques range from simple to more complex but most are easily installed as do-it- yourself projects. Benefit:  Relatively easy to install, effective weather seal, durable, comes in a variety of colors. Vinyl stripping holds up well and resists moisture; metal stripping (bronze, copper, stainless steel and aluminum) lasts for years.  Both are affordable.

Caulk it up: Use caulk to seal all exterior openings, such as holes where wires, cables and pipes enter or exit a structure (winds of 74 mph can blow water up a wall about 4 feet). Caulk now comes in many types that are non-toxic and specifically designed for a number of different home-repair jobs. Cost:  All-purpose caulk, suitable for most jobs, is less than $2 a tube; for doors and windows, less than $4 a tube. Benefit: Helps prevent heat loss around windows and doors. In severe storms, a well-sealed exterior helps keep wind-driven rain and flooding from getting inside. Some caulks are designed for use in high-moisture areas.  Caulk can be used indoors or outdoors; some types can last up to 20 years.

Window well … cover it: Add a clear plastic cover over exterior window wells to help keep out debris, leaves, animals and excess water – both from the window cavity (well) and a structure’s interior.  Most covers are made from a polycarbonate plastic and specially designed for window-well areas. Cost:  Prices vary, depending on size and style, starting at $17 each and are available at most local home-improvement stores. Benefit:  Weather resistant, generally not affected by sunlight or temperature extremes.

They are easy to install and relatively maintenance free.  Many can be custom-made to fit openings of special sizes and/or shapes.

Elbow a way around: Add an elbow or drain sleeve to the bottom of downspouts to help divert water away from a structure.

Elbows can come in aluminum or flexible heavy plastic tubing and are made to fit round or square downspouts.

The flexible variety is especially good if water needs to be diverted some distance away from a structure. Cost:  Aluminum elbows start at about $4 each; metal elbows run about $6 each.  Flexible gutter elbows (heavy plastic tubing) range in size from 8 to 18 inches and costs start at $4. Benefits:  Keeps rainwater from eroding foundations and from finding its way into crawl spaces or basements.

Block that splash: Place splash blocks directly under the lower end of a downspout to stem soil erosion and divert water away from a structure. Choose blocks large enough to handle the volume of water that could come through a downspout in a heavy rainstorm. Also, place the block high enough and at enough of an angle to divert water at least 3 feet from the foundation Cost:  Plastic or fiberglass splash blocks range from $6 to $20 each. Concrete blocks average about $15 but can run as high as $45, depending on the size. Benefit: Saves damage to a structure’s foundation and helps to keep water from channeling underground (below slabs, for example) and through to the interior.

Shape up and out:  Landscaping is an effective, easy way to keep overland water at bay and make a property more attractive.  Add fill dirt with a binding material (like clay) around a foundation and angle away from the structure.  Cover with low-growing vegetation or ornamental materials, such as shredded bark or lightweight lava rock. Avoid heavier rock or landscaping gravel (unless required for drainage) to keep it from flying around and causing damage in a high-wind event. Cost: A 2 cubic foot bag of wood bark or mulch will cost about $4.  (Sometimes, communities offer free mulch after large-scale tree removal projects). The amount of bark required will depend on the coverage area.  Many low-growing, spreading plants can be purchased for less than $50. Benefit: Helps keep overland flooding from reaching a foundation and leaking inside. Foliage helps hold soil in place, naturally enhances drainage and increases curb appeal.

This list is only a sampling of do-it-yourself ideas. A variety of publications are available to provide additional information. These can be found online, at your local library or any home building store.

Before beginning any project, visit your local government’s building department to determine if a project is permissible and compliant with local laws, ordinances and codes. Building officials also can advise which projects require permits, as well as any rules and regulations that will apply and any fees associated with obtaining a permit.

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FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status.  If you or someone you know has been discriminated against, call FEMA toll-free at 800-621- FEMA (3362). For TTY call 800-462-7585.

FEMA’s temporary housing assistance and grants for childcare, medical, dental expenses and/or funeral expenses do not require individuals to apply for an SBA loan. However, those who receive SBA loan applications must submit them to SBA to be eligible for assistance that covers personal property, transportation, vehicle repair or replacement, and moving and storage expenses.

For more information on Alabama’s disaster recovery, visit  www.fema.gov or http://www.ema.alabama.gov/.  For the joint Facebook page, go to www.facebook.com/AlabamaEMA. To receive Twitter updates: http://twitter.com/AlabamaEMA   or www.twitter.com/femaregion4

Read more: 

More Bang for the Buck – Inexpensive Disaster Rebuilding Tips

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