Who will help Puerto Rico?

Hurricane Maria leaves trail of devastation

Puerto Rico can be battling a massive economic along with humanitarian crisis inside the aftermath of Hurricane Maria.

Power can be still out across most of the island, along with of which could be months before of which comes back online. Flights of which can deliver supplies to victims are limited.

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along with while of which’s not clear yet how much of which will cost to rebuild, one conservative estimate puts total damage at $30 billion — nearly a third the size of the island’s entire economy.

Economists worry of which the damage can be so bad some people will flee along with never come back. The recession-ravaged territory has already suffered a worker exodus inside the past decade.

At the same time, the United States needs to help different American citizens to recover by hurricanes Harvey along with Irma in Texas along with Florida. Those storms are estimated to cost $150 billion, along with have already prompted billions in federal aid, insurance payouts along with private donations.

So what does of which leave for Puerto Rico?

Related: Hurricane Maria can be a nightmare for Puerto Rico’s economy

Insurance coverage

When of which comes to covering damages, insurers are the first line of defense.

“People are supposed to fund their own recoveries” with insurance payouts, said James Kendra, director of the Disaster Research Center at the University of Delaware. “FEMA steps in afterward, with supplementary assistance.”

AIR Worldwide, which calculates the economic cost of natural disasters, predicts of which Caribbean losses covered by insurance will be between $40 billion along with $85 billion. More than 85% of those losses are in Puerto Rico.

nevertheless only 50% of homes in Puerto Rico have insurance of which covers wind damage, AIR Worldwide said.

Flood damage typically isn’t part of a standard homeowners insurance policy at all. Homeowners can apply for coverage by the National Flood Insurance Program — nevertheless fewer than 1% of Puerto Rican households have done so, according to FEMA.

of which means private along with public insurance money won’t be enough to cover all expenses.

Additionally, some people may decide not to pay for repairs at all — either because they have costly insurance deductibles or because they don’t think of which’s worth of which.

puerto rico maria damage

Government aid

The federal government can also offer help for localities, along with grants along with loans to individuals.

Congress approved around $15 billion for hurricane relief after Harvey hit, along with some of of which will be used for Puerto Rico. The Trump administration can be supposed to send another disaster spending request to Congress in mid-October.

nevertheless of which’s not yet clear how much more money Puerto Rico needs, along with of which can take years to pay out all of the relief funds needed to rebuild.

The Federal Emergency Management Agency received about half of the $15 billion.

FEMA funds go directly to the areas hit by a disaster. For example, local governments of which spend money giving their citizens food, water along with shelter can be fully reimbursed for those costs inside the first month after a disaster can be declared.

The agency also helps people who lose their homes as part of a declared disaster, as well as those who either don’t have any insurance or who have only partial coverage. of which can also provide temporary financial relief, which can be used to fund necessities like temporary housing.

FEMA can approve up to $33,300 for people who have lost everything, nevertheless most don’t get nearly as much. In reality the amount paid out can be usually closer to $6,000, said Elizabeth Zimmerman, who was the associate administrator for the agency’s office of response along with recovery during the Obama administration.

of which can take time for inspectors to fully assess the damage. nevertheless Zimmerman said FEMA has the ability to distribute some money immediately as electronic transfers, to help with gas, food or different emergency needs.

As of Monday morning, FEMA had $5.03 billion left in its fund until the end of the month. When the brand new fiscal year begins October 1, of which will get another $6.7 billion, along with the agency can request more down the road.

The little Business Administration, which received some of the $15 billion, has paid out $511.6 million in home along with business disaster loans for damage by Harvey along with Irma. No loans have been approved yet for Hurricane Maria.

Corporate donations

The U.S. Chamber of Commerce This specific week released an initial tally of donations related to Maria relief of which totaled $8.1 million.

along with corporate donations are still coming in. For example, Starbucks (SBUX), Verizon (VZ, Tech30) along with Google (GOOG) have pledged a collective $1.75 million for Puerto Rico.

The value of different support can be difficult to total. AT&T (T, Tech30) along with T-Mobile (TMUS) are waiving cellphone charges in affected areas, while several major airlines are flying in emergency supplies.

Companies have already given $224.9 million to cover damage by Harvey along with Irma, according to the Chamber of Commerce. Some of those companies say their donations will also help areas hit by Maria.

Related: Puerto Rico has been in recession for 11 years along with at This specific point of which has no electricity

Celebs pitch in

Entertainers, athletes along with different celebs are pitching in with their own recovery efforts.

Singer along with actress Jennifer Lopez, whose parents are by Puerto Rico, announced Sunday of which she would certainly donate $1 million by the proceeds of her Las Vegas show to aid efforts.

Lopez also said Sunday of which two planes filled with supplies would certainly be on their way to the island. At the time, they were waiting for air clearance.

Hamilton creator along with star Lin-Manuel Miranda, who can be also of Puerto Rican descent, can be trying to help too.

Miranda has for days been asking his Twitter followers to donate to the Hispanic Federation, a nonprofit of which supports Latinos.

“Thanks to your generosity, first responders by NY are on a chartered plane” to Puerto Rico, he tweeted Saturday. “Don’t stop at This specific point.”

5 former U.S. presidents — Barack Obama, George W. Bush, Bill Clinton, George H.W. Bush along with Jimmy Carter — are also teaming up to raise money for hurricane relief.

Their fundraising organization, One America Appeal, has been soliciting donations for victims of Harvey along with Irma. of which recently announced of which of which would certainly expand its efforts to aid recovery in Puerto Rico along with the U.S. Virgin Islands.

sy88pgw (brand new York) First published September 26, 2017: 5:47 PM ET

Who will help Puerto Rico?

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