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Homeowner Emergency Repair

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Low-income households in need of emergency repairs may qualify for assistance.

How Do I Qualify for a Homeowner Emergency Repair?

The Homeowner Emergency Repair Program is designed to assist low-income households with emergency repairs who own their own home and occupy the home as their primary residence.

What is a Low-Income Household?

Households with a total annual household income of no more than 50% of the median income for the area are considered by this program as low-income. Income limit charts are revised annually and can be found at the bottom of this page in the Download Section or at the Housing & Community Development Office.

Who Do I Include in my Household?

Anyone who occupies or lives in the home.

What All is Included in Determining my Household Income?

Wages from a Job
Retirement Benefits or Pension
Public Assistance (TANIF, WIC, etc.)
Social Security Benefits
Child Support or Alimony
Business Income

Anyone 18 years old or older who has an income, must provide their income information and be included in the household income calculation.

Any Other Qualifications?

Property Taxes must be current
Property owner must have clear title to the property
Mortgage (if applicable) must be current
Water Bill must be current
Property must not have any outstanding property code violations or liens (such as high weeds and grass, debris, junk vehicles, etc.)

Sounds Too Easy! What’s the Catch?

The cost of obtaining a quote from a licensed contractor for the repair is the sole responsibility of the homeowner.

The household is only eligible for one (1) emergency repair in a 12 month period.

The repair assistance is in the form of a grant and therefore the homeowner is not expected to repay any portion of the assistance provided, the homeowners remain in and occupy the home as their primary residence for a minimum of 1 year after the completion of the project.

The homeowner must submit a claim to their homeowners insurance company for repairs covered by their insurance policy prior to any assistance being provided for such repairs.

For any repairs costing more than $5,000.00, the homeowner must pay the difference prior to any assistance being provided by the City.

Not all repairs requested by the homeowner are guaranteed to be completed. Emergency funds will be used for only those repairs deemed an emergency by the Housing & Community Development staff.

How Do I Apply for Assistance?

Assistance applications may be found at the bottom of this page in the Download Section or picked up at the Housing & Community Development Office.

Submittal Requirements:

Complete Application
Quote from a licensed contractor to make the needed repair
Social Security Cards for all household members and Driver’s Licenses
Bank Statements for all accounts from the last two months
Pay Stubs for the last two months
Public Assistance Benefit Letter
Social Security Benefit Letter
VA Benefit Letter
Retirement Benefit Letter
Child Support Statement from DHS
Divorce Decree
Last Year’s Tax Return
Proof of Property Ownership
Most Recent Mortgage Statement
Homeowner’s Insurance Certificate

The above list of requirements may not apply to all applicants. Some circumstance may require additional information.

Completed applications along with all required documentation will need to be hand delivered to the Housing & Community Development Office. All household members 18 years old or older will have additional paperwork to sign in our office.

I’ve Applied, What’s Next?

Staff reviews application packet and determines homeowner eligibility
Staff contacts homeowner to schedule an inspection of the requested repair and determines project eligibility
Homeowner signs all required documents
Staff contacts contractor and approves repair work to begin

The goal of our office is to have the emergency repair completed within one week of approving the project.

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