President Obama declared Boyle County a disaster area. Money was made available to the state for help in the clean-up process but not for individual homeowners.
When my homeowner's policy contained a ceiling of $5,000 for water seepage and my damages were closer to $10,000 for sewage cleanup, lost items, damage to furnace, hot water heater, washer, dryer and other items, I assumed I would be able to rely on FEMA to help with some of the financial horror, similar to a hurricane. However, I was told FEMA was not helping individuals and that I should contact my state and local disaster centers for help.
Why did FEMA opt to only help on the state and local levels and leave badly traumatized homeowners to tread water and figure out the issues for themselves?