Homeowner Recovery Program Reconstruction

Program funding to reconstruct a home is determined by combining the total estimated cost to repair the home and previously completed repair costs divided by the home’s pre-storm value. Homes with an estimated rehabilitation cost equal to or greater than 70% of the home’s pre-storm value are automatically provided a reconstruction award. Additionally, homes that are condemned, demolished, or unsafe to enter at the time of inspection or as determined by the local municipality are automatically provided a reconstruction award. Homes that are considered not suitable for rehabilitation, per policy, will also receive a reconstruction award. For more information, please review the Homeowner Recovery Program policies here. 

Homeowners with reconstruction awards will be required to complete a Household Composition Verification form prior to receiving their award. If the total number of household members has changed since the application was submitted, the program will re-verify the homeowner’s household income.

As federally required, the program will identify the floor plan(s) the homeowner is eligible for based on the homeowner’s household composition and notify them. If the homeowner is eligible for multiple floor plans, they may choose a plan from the options provided by the program.

Reconstruction Estimates

Reconstruction estimates are based on the total area of eligible rooms of the home under a common roof, including attached garages but excluding breezeways, unattached structures, carports and porches. If eligible, there will be a separate cost for elevation. Reconstruction awards are provided to applicants who are required to elevate or who elect to receive optional elevation funding at the time of award notification.