FEMA Funds, Insurance Expected to Provide Some Relief to Homeowners Who Lost Everything

In the days following the tornado, the Cadys applied for financial assistance from FEMA's individual and households program. At the time, they received the maximum for households, adjusted annually by the consumer price index, which was about $30,000. The maximum for fiscal year 2013 is $31,900.

"It was really quick. We called them right away when we heard we were supposed to register with FEMA. They came out the next day," Cady said.

Cady said she told a FEMA representative, who typically visit homes with badges or are located at disaster response centers, what was lost and what was recovered.

"When we got to the house the next day, there was rain on everything," Cady said. They managed to save a new couch and some bedroom furniture after scrubbing off what she calls "tornado puke," or debris, from those items. They were also able to salvage some photo albums, but the tornado destroyed artwork Cady had created.

Cady was working as a staff member at a church at the time and her husband had a job as a part-time maintenance worker there. That church helped the family with donations and volunteers to rebuild the home. For that reason, Cady is not sure about the total cost to rebuild her home.

"We had a lot of materials given to us, through churches and private donations," she said, adding that with the help from family and volunteers, "We didn't pay anybody."

Her husband rebuilt the home with volunteers, their son-in-law and her father.

Her husband eventually got a full-time landscaping job and his employer generously lent him machinery to rebuild as well.

In their rebuilt home, the Cadys installed a storm shelter made of concrete with two entrances.

On Monday night, when a storm hit Joplin, the Cadys and neighbors who live in a trailer sat in the shelter with a pet dog and bird.

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