say what??

so if a tornado comes through and dismantles your home down to the ground with nothing left except concrete blocks forming an outline of what used to be there, what would you say if fema denied your claim due to insufficient damage? to quote their letter, "Based on your FEMA inspection, we have determined that the disaster has not caused your home to be unsafe to live in."  hmmm, what home?

apparently fema got in trouble from the gao because they gave out too much money after hurricane katrina so they are being so ultra-conservative as to be stupid. now that they've been at both ends of the bell curve though, you'd hope they could find the middle.