To be honest, I don't know enough about our (FEMA's) Individual and Public Assistance programs to speak with authority on them. I'm on the Mitigation side of the house that deals with grant management and project development to lessen both the hazard potential and effects of hazards (ie. hurricanes) in communities.
It DOES surprise me to hear that FEMA would exempt your activities from disaster assistance. Your aquaculturing is only a part of your business, but it's the part that produces your product, not where you're doing the actual business. Most of your business and distribution is actually coming out of your inland site. If having the live-rock site destroyed put you out of work for a period of time, that could be covered under "unemployment benefits" under FEMA's Individual Assistance program. Though, I also admit, I don't know if that would apply to busniess owners. I'm also not familiar enough with SBA's disaster programs to speak with authority. Though, you also may not WANT any government assistance after a disaster like that if you have the capital and financial steadiness to recover on your own. 90% of the assistance FEMA and SBA gives in times of disaster is of the low-interest loan type, not the grant or 'free money' type. I'd downright bet my life that you make too much to be eligible for the grant type of assistance that FEMA and SBA offer.
Now, if your warehouse and actual business site were damaged or destroyed by a hurricane, there is no question that you'd be eligible for disaster assistance if you're in a County that becomes part of a Federally Declared Disaster or an SBA Disaster. But again, those would be mostly loan-type of assistance that would be available to you get get repairs done and get your business back in operation.
Yes, I'm sure that you've already searched and toiled through all the options and recourses. Let's just hope you don't get hit like that again. *smiles* I also figured it was good information for everyone else reading the thread.
I'm making some calls and working with some people about some of the issues that you've had and I'm seeing what I can do to help you out in these areas. I'm not going to go into details right now or in this forum, as I don't want to get your hopes up or really talk shop in a public forum, but let's talk and discuss how to make your life easier in the future both when you're dealing with governmental and legal issues.
Cheers!
Andy :wildone: