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| Disaster Recovery: Don't Let Disaster Compromise Credit These tips will help you benefit from your good credit and to ensure that your credit record is not harmed in the wake of disaster. |
| Disaster Recovery: What You Need To Know About Unemployment Issues After a disaster strikes, whether it is a hurricane, flood, or tornado, you could find yourself without a job and needing a source of income. The Louisiana Department of Labor responds to disasters with unemployment insurance benefits and disaster unemployment assistance. |
| Prevent Further Damage To Your Flooded Home And Your Health A flood-damaged home requires special attention to avoid a population explosion of molds, other fungi, algae and bacteria, LSU AgCenter housing specialist Dr. Claudette Reichel says. |
| Disaster Recovery: Getting Help at the Disaster Recovery Centers The Disaster Recovery Centers have representatives from federal, state, local, and volunteer agencies on hand to answer questions and provide recovery information. Written materials about various assistance programs are also available to individuals and business owners. |
| Disaster Recovery: Managing on a Suddenly Reduced Income Louisiana families impacted by disaster often experience a sudden reduction in income that can be financially and emotionally traumatic. Reduce this hardship by taking positive action. |
| Flood Insurance and Credit for Disaster Victims Explanation of flood insurance for disaster victims. Includes tips and help on filing insurance claims. |
| Help Line Numbers Here are some toll-free numbers set up to provide disaster assistance: |
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| ‘Anniversary Effects’ Of Hurricanes Expected Flashbacks, feelings of grief or depression and other symptoms can be attributed to the anniversary of a traumatic event such as the loss of a loved one, an accident or a natural disaster. LSU AgCenter family life professor Dr. Diane D. Sasser expects many people will suffer the "anniversary effects" of hurricanes Katrina and Rita. |
| [Image: Displaced Students]LSU AgCenter Partnering With Others To Help Displaced Students LSU AgCenter agents in seven South Louisiana parishes are working with other agencies on a project designed to help displaced students meet their ongoing needs. The effort, known as the Partnership for Prevention Education, is targeted toward Louisiana residents affected by last year’s hurricanes. |
| When Your Income Drops A sudden reduction in family income can be a traumatic experience, both psychologically and financially. The hardship can be minimized with a proactive approach. |
| Homeowners Share Insurance Lessons Learned the Hard Way Homeowners have shared with Extension some of the common misconceptions about flood insurance that caused them to suffer financial losses greater than they expected. |
| Avoid High-Cost Predatory Home Loan Traps Some unscrupulous lenders are using misinformation and high-pressure tactics to prey on vulnerable homeowners. There is no clear-cut definition of a predatory loan, but LSU AgCenter family economics professor Dr. Jeanette Tucker says that it is the result of a lender misleading, tricking and sometimes coercing someone into taking out a home loan at excessive costs and without regard to the homeowner’s ability to repay. |
| Disaster Recovery: Rent-to-Own Contracts Rent-to-own purchase contracts are popular. Their appeal is great, but if your goal is to own the item, those low weekly payments can add up to a high total cost. |
| Disaster Recovery: Identity Theft The devastation following a natural disaster provides increased opportunities for identity thieves. People whose identities have been stolen can spend months or years – and thousands of dollars – cleaning up the mess the thieves have made of their good names. |
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| Hurricane Hardships Linger Into Holidays Hurricane season is over, but the hardships from it are lingering into the holidays. Many Louisiana residents endured financial hardships this year, and LSU AgCenter family economist Dr. Jeanette Tucker says holiday budgets may be tight for many. |
| These Holidays Could Be The Most Stressful In Memory This holiday season may be more stressful than ever for some people and families. Stress resulting from our recent disasters combined with the usual holiday stress may become overwhelming. |
| Disaster Unemployment Available To Storm Victims Individuals who lost work due to recent hurricanes may qualify for disaster unemployment assistance, according to LSU AgCenter family economist Dr. Jeanette Tucker. |
| What Is There To Be Thankful For? Hurricane victims will be faced with the question this Thanksgiving, "What are you thankful for?" and some will find this question difficult to answer. The holiday will be a reminder of what’s been lost in floods and devastating winds. |
| Surprise! Homeowner's Insurance Policy Offers Good News After A Disaster Many people are surprised about the extent of protection their homeowner's insurance policy offers. Although your policy may not cover flood damage to your home, it does offer some protection from loss due to natural disasters, such as hurricanes, according to LSU AgCenter family economics professor Dr. Ann Berry. |
| Tenants Have Many Rights After A Disaster If you rent or lease an apartment, house or business building and the structure is damaged in a natural disaster, read your lease carefully to determine what you need to do regarding damages, terminating the lease, securing temporary housing and other matters, advises LSU AgCenter family economics professor Dr. Ann Berry. |
| Unemployment Insurance Available To Hurricane Victims After a disaster strikes, whether it is a hurricane, flood or tornado, you could find yourself without a job and needing a source of income. The Louisiana Department of Labor responds to disasters with unemployment insurance benefits and disaster unemployment assistance. |
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| Follow Recommended Steps To File Insurance Claims After Hurricanes As hurricane evacuees are allowed to return to their homes, LSU AgCenter family economics professor Dr. Ann Berry makes several recommendations for filing insurance claims. |
| Age Groups React Differently To Calamity Children's reactions to disaster depend on their age and maturity. Their responses also are affected by how close they are to the event, their level of exposure to it through TV and how they see their parents react. |
| Emotional Recovery Part Of Disaster Aftermath Those who survive hurricanes and other natural disasters are at risk for behavioral and emotional readjustment problems. Most child and adult survivors experience one or more normal stress reactions for several days after a natural disaster. |
| Help Children Cope With Post-storm Stress Although children, as well as adults, cope with stress every day, disasters, such as floods, hurricanes and tornadoes, often are somewhat different. |
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