Compliance & Monitoring Letter Questionnaires were mailed at the end of your compliance period. The questionnaire requested that you complete the form and submit all requested documentation to the Road Home for review.

• Sample Elevation Certificate
• CLQ – Compliance & Monitoring Letter Questionnaire
• Utility Bill
• Homeowners Insurance Declaration Page
• Flood Insurance Declaration Page
• Elevation Certificates (if Road Home Elevation Incentive was received)

Several reasons that you may not be in Compliance with your Road Home Grant(s) are listed below:

Non Responsive – The applicant and/or co-applicant has not responded to any Compliance documents.

Non Compliant – Some of the requested documents were not submitted and/or the documentation submitted was not within the required compliance period.

Elevation – Applicant and/or co-applicant did not provide elevation certificates (initial, final or both certificates).

Hazard Mitigation Grant Program (HMGP)Project List – Applicant and/or co-applicant may not be compliant for elevation with the Road Home Program, as they are still working with HMGP for elevation. Once the project is complete with HMGP and the Road Home Program receives elevation certificates, the file should be deemed compliant.

I sent in all of the requested information, why did I receive a letter?

Applicants may have returned a CLQ, utility statement and all insurance documentation but it was not acceptable according to the compliance policy at the time the documents were returned.

The Road Home Program has now been given approval to review and possibly accept any documentation submitted after the initial closing through the current date. If you received a letter and feel that you have submitted all requested documentation, you may call the Road Home Program to request a review of the documentation you submitted after your initial closing.

What should I do?

Complete the Compliance & Monitoring Letter Questionnaire and explain your situation as it pertains to the following questions:
(any documentation you can provide will be helpful)

Are you currently living in your home? (Occupancy)

Provide an occupancy document from any point after the initial closing through the current date. If you were unable to re-occupy the damaged residence and feel that you may be eligible for an Unmet Need, please indicate the Unmet Need on the CLQ and return with any documentation supporting the Unmet Need.

 Do you still own your damaged residence? (Ownership)

If you closed on your Road Home Grant as an Option 1 (re-occupy and rebuild your damaged residence) and sold the home within the three year compliance period, provide a copy of the Cash Sale. New owners may be able to provide all required documentation, if we have a Cash Sale with their information. Also any documentation that you can provide, proving occupancy and insurance after the initial closing, will be accepted.

Do you have proof of Homeowners Insurance covering the damaged address? (Insurance)

If you have or have ever had (after your initial Road Home closing), Homeowners Insurance covering the damaged address, provide the declaration pages. If you are unable to provide insurance documentation, return the CLQ with an explanation as to why you do not have Homeowners Insurance.

Do you have proof of Flood Insurance covering the damaged address? (Insurance)

If you have or have ever had (after your initial Road Home closing), Flood Insurance covering the damaged address, provide the declaration pages. If you are unable to provide insurance documentation, return the CLQ with an explanation as to why you do not have Flood Insurance.

 Has the home been repaired? (Elevated)

If you received Elevation funds and have not elevated your property, please return the CLQ stating that you did not elevate and an explanation as to why you have not. If the home is not repaired, did you experience a “loss” (Unmet Need) while attempting to repair the home. If so, please return the CLQ explaining the reason you were unable to rebuild your property. Also include any documentation to support your explanation.

If you are unable to comply with the Road Home Program's Grant Covenants

If you are unable to comply with the Road Home Program Grant Covenant and/or Agreement that was signed at closing, you can return your funds to the following address:

Office of Community Development - Disaster Recovery Unit
P.O. Box 94095
Baton Rouge, Louisiana 70804-9095

If you have any questions regarding repayment or would like to discuss your repayment options, you can contact the attorneys at Shows, Cali & Walsh Law Firm, for assistance. . The Law Firm’s information is listed below:

Shows, Cali & Walsh Law Firm
628 St. Louis Street,
Baton Rouge, LA 70802-6159

I closed as an Option 2 - what do I need to comply with the Road Home Program's Option 2 Covenant?

As an Option 2 applicant, you were required to show ownership in another property within the State of Louisiana. The Road Home Program will accept documentation showing that you are a “resident” (renter, living with a relative, in assisted living, etc.) in the State of Louisiana. Return your CLQ and include documentation to support your “residency” in the State of Louisiana. (This documentation may include, but not be limited to, a Louisiana Driver’s License, a voter registration card, a rental agreement or lease).

What is Unmet Needs?

Resource Information (One Page Flyer)

It has been recognized that applicants may have encountered obstacles in becoming compliant with their Road Home Covenants. An Unmet Needs process has been created to assist these applicants in becoming compliant. There are approved Unmet Needs and required documentation to prove each need. No monies will be disbursed to applicants but disbursed on their behalf for appropriate rebuilding measures.

Who is eligible for Unmet Needs?

The policy is ONLY applicable to:

1. Homeowners that have not met the terms of their grant agreement and/or covenants, and are subject to recapture of grant funds,
2. Homeowners who have not returned home (unable to re-occupy the damaged residence) and/or who have not completed elevation (if they were required to elevate),
3. Compliant with your Road Home Grant(s), but have a negative variance on the file due to a Duplication of Benefits (Additional insurance payment) and/or overpayment.

The implementation of this policy does NOT provide any additional funding to Road Home Applicants. However, it adjusts the amount of Road Home assistance received to account for funds that the applicant intended to use for home repair and reconstruction, , but due to the circumstances beyond the homeowner’s control, the intended repairs did not occur.

What are the approved Unmet Needs?

 Contractor/builder fraud

Contractor fraud is defined as an act committed by a contractor, misrepresenting themselves to a applicant, in which services were not performed according to a binding contract and payment.(The work in which an applicant paid for, were not completed).

 Examples:

• Contractor received payment but did not start project.
• • Contractor received payment but did not complete the repairs or completed repairs that rendered structure uninhabitable.
• Contactor received payment but did not deliver home or delivered home in an uninhabitable state.

Documentation Required:

• Evidence of payment(s) made to contractor/builder demonstrating the attempt to properly use Road Home proceeds; and
• Contractor received payment but did not complete the repairs or completed repairs that rendered structure uninhabitable.
• Proof that the rebuilding/repairs were not completed (e.g., photos showing current condition of home, current estimate of reconstruction/repairs from a new contractor, physical inspection, etc.) or that the replacement home was uninhabitable; and
• Evidence that a formal complaint was filed against the contractor/builder accused of fraudulent practices with the proper law enforcement officials or a state regulatory agency or court (civil complaints). Complaint must have been filed by December 31, 2012 or within one (1) year of the date the homeowner signed a contract with the contractor/builder, whichever is later. The applicant will also be expected to provide the case/item number or report number and the name of the law enforcement or regulatory agency with which it was filed.

Involuntary forced mortgage payoff

An involuntary forced mortgage payoff is when the mortgage company forced you to use your Road Home Funds to either put a large payment toward your mortgage balance or to pay your mortgage off in full. Examples:

The total amount of the Forced Mortgage Payoff cannot exceed the amount the applicant received in Homeowners and/or flood insurances.

This cannot be a voluntary pay off. An involuntary forced mortgage payoff is when the mortgage company forced you to use your Insurance Funds toward your mortgage balance.

• The mortgage company forced a large payment toward mortgage, to pay the mortgage amount down.
• The mortgage company forced total payoff of your mortgage in full.

Documentation Required:

• Support Documents to prove the mortgage was “forced” to be paid off:
• A copy of the mortgage policy stating that any proceeds must be used to repay the mortgage; and/or

1. A copy of the entire “recorded” mortgage, with the insurance “acceleration clause” stating that the mortgage company reserves the right to apply any or all of the insurance proceeds to the payoff of the loan, due to:
1. a. Damage that exceeds the feasibility of the collateral securing the mortgaged amount,
2. b. A loan in default on payments (arrears), and/or
3. c. Other defined, special circumstances.
“OR”
2. A completed Third Party FMP Verification Form where stating that a payoff/pay down was forced by the mortgage company and listing the name of the mortgage company, the person the case manager spoke with, and date/ time of the call.

• Support Documents to prove the “amount” of the mortgage that was forced to be paid off:

3. A copy of the Insurance (Homeowners or Flood Insurance) Check, made payable to the applicant and the Mortgage Company. The Forced Mortgage Payoff is not to exceed the insurance payment(s), made payable to applicant and mortgage company(s)

• If applicable, a copy of the check made payable to the applicant from the mortgage company, (to support the amount of insurance proceeds applied to the payoff of the mortgage and the returned remainder to the applicant),

4. A Payoff Statement, from the mortgage company, stating the date and the amount of the mortgage at the time of payoff. This may also be a printout statement from the Mortgage Company.

5. The completed Third Party FMP Verification Form with the “Grant Amount Applied to Mortgage” amount supplied by the Mortgage Company, documented on the form, by the case manager.

If you do not have documentation but believe this occurred we may be able to contact the mortgage company on your behalf. We would need the account number, name on mortgage loan, mortgage company, name, and consent to obtain necessary information.

Theft/vandalism

Theft / Vandalism identifies that there was intent by another, to steal and/or destroy your personal property. Personal property includes items and/or materials purchased with your Road Home funds, to repair your damaged residence.

 Examples:

• Building supplies / materials stolen
• Structure damaged (i.e. remove pipes, graffiti, etc)

 Documentation Required:

• Case number or police report that identifies what was stolen and/or the extent of damage from vandalism; and
• Copy of insurance claim (if one was filed).

Damage from a subsequent event

Your damaged residence was in the process of being repaired and rebuilt with your Road Home funds and due to a subsequent event (storm, fire, flood), you experienced damages prior to returning home.

Examples:

Documentation Required:

Interim Housing Expenses

During your recovery process, you incurred housing expenses. Interim Housing is defined as temporary rental costs not covered by insurance or other assistance or similar financial assistance received due to damage to the home listed on the Road Home application. These expenses can only be established for one location during any given time period.

Examples:

• Road Home funds used for rent/lease payments during the period that the homeowner was displaced due to the hurricane damage.

Documentation Required

Interim Housing Affidavit-

• A lease agreement and proof of rental payments for location and term specified
• Proof of payment(s) showing that funds were expended on specified rent/lease payment by location; for example, cancelled checks, copies of paid invoice, payment ledgers from the Rental Company, etc. (Handwritten cash receipts are not acceptable); and
• Interim Housing Affidavit and program 3^rd party verification of all provided information.