Bob Hunter, director of insurance for the Consumer Federation of America, who was a top federal flood insurance official in the 1970s and 1980s and a Texas insurance commissioner in the 1990s, told the Post ?that in the vast majority of hurricanes, other than those in Florida in 2004, complaints are rife that FEMA has vastly underpaid hurricane victims. The Frances overpayments are questionable given the timing of the election and Florida's importance as a battleground state.?
FEMA consultant Glenn Garcelon actions certainly lends credibility to questions raised by Hunter.
On Sept. 2, 2004, Garcelon, wrote a three-page memo titled "Hurricane Frances -- Thoughts and Suggestions."
Gov. Bush received the memo Sept. 30, 2004 shortly before a swell of payments made its way to residents in Miami-Dade who did not sustain damage as a result of Hurricane Frances.
A couple of weeks before Gov. Bush received the memo from Garcelon, Orlando J. Cabrera, executive director of the Florida Housing Finance Corp. and a member of the governor's Hurricane Housing Work Group, said in a different memo to Gov. Bush that FEMA was allocating short-term rental assistance to "everyone who needs it, without asking for much information of any kind," the Sentinel reported.
In addition, "standard housing assistance," of up to $25,600, Cabrera wrote, is "liberally provided without significant scrutiny of the request made during the initial months; scrutiny increases remarkably and the package is far more stringent after an unspecified time."
The DHS audit report found that, under Brown, FEMA erroneously distributed to Miami-Dade residents:
? $8.2 million in rental assistance to 4,308 applicants in the county who "did not indicate a need for shelter" when they registered for help. In 60 cases reviewed by auditors, inspectors deemed homes unsafe without explanation, and applicants never moved out.
$720,403 to 228 people for belongings based on their word alone.
$192,592 for generators, air purifiers, wet/dry vacuum cleaners, chainsaws and other items without proof that they were needed to deal with the hurricane. Three applicants got generators for their homes, plus rental assistance from FEMA to live somewhere else.
$15,743 for three funerals without sufficient documentation that the deaths were due to the hurricane.
$46,464 to 64 residents for temporary housing even though they had homeowners insurance. FEMA funds cannot be used when costs are covered by insurance.
$17,424 in rental assistance to 24 people who reported that their homes were not damaged.
$97,500 for 15 automobiles with a "blue book" value of $56,140. In general, the report states that FEMA approved claims for damaged vehicles without properly verifying that the losses were caused by the storm.
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