I survived Charlie and our whole area was trashed. Bottom line about FEMA is you have to be destitute to receive help. You must have been displaced due to your home being destroyed. To qualify for the low interest loan you must not be able to secure a loan any other way. In other words- have no credit or be a general low-life, drug addict, homeless bum etc. If you have good credit (me) you can qualify for a higher interest (8%) loan from the SBA but they will demand you account for every penny used for the loan, and the loan is "only to put your property back to where it was before the storm, NOT to upgrade or add anything new".
Bottom line- as mentioned here- don't depend on the government to help. Only my neighbors whose homes were trashed and unlivable got some help, and a couple got FEMA trailers (after
3 months). All of us who were still able to live in our homes, or had decent credit, were not qualified for any help except to be reimbursed for the cost of our generator and chain saws.P.S. A home with a barrel tile roof in Fla is usually a pretty nice home. Usually only upscale homes have tile roofs. You were taking a chance living in a nice home while only able to live on Social Security. Maybe you should sell your place and downsize into something affordable to you, and easier to repair if needed.
thetiler