At the Binc Foundation, we know that the effects of a major storm on a household’s finances often don’t show up until months later. After storms like the recent hurricanes in Texas, Florida, Puerto Rico and Virgin Islands, the calls we are receiving for assistance fall into a familiar pattern. Each stage of need requires a different form of assistance and the Binc Foundation has learned how to help booksellers navigate the trail from disaster to recovery.
Stage 1: In the first hours and days after a storm hits, residents are laser-focused on where they will stay, the need to feed and clothe their families, how they will get around and how soon they will be able to return to work.
In these first frantic hours Binc can help booksellers by guiding them to the local resources, making sure they have a safe place to stay by paying for emergency housing, and by providing gift cards with which to purchase the emergency supplies needed for daily life.
Stage 2: After the first 72 hours, as people begin to return to their homes and assess the damages, the needs become more intricate. The sense of loss and helplessness can be quite overwhelming. At the very least, there is the huge task of cleaning up the mess left behind in the wake of the storm. Sometimes the homeowner must tackle the task of sifting through all of their belongings to separate what can be saved from what cannot. In other cases the home is more severely damaged, leading to the need for longer term temporary housing while the home is repaired, or a new home all together if it cannot be saved.
Binc is ready to help booksellers pay for the clean-up of their homes and repairs not covered by their insurance or landlord. The Foundation can also step in to help with expenses needed for longer term housing, or the funds needed to relocate to a new home. Binc can also help with the replacement of essential household goods and furnishings not covered by insurance.
Stage 3: While a bookseller is busy repairing their home, they may not be working at their bookstore job. The bookstore may be closed due to damage or lack of utilities or the bookseller may not be able to get to work due to the post-storm conditions in the area. This lack of income added to the stress and financial outlay that the disaster has caused can lead to a serious financial hardship.
The Foundation can help replace this loss of household income and keep the family current with essential expenses.
Stage 4: When the storm is over and people are back to work; life may seem to be “normal” again. This is when booksellers can find that the funds they used for clean-up and replacing personal items, or income they lost when recovering from the disaster have caused a shortfall. Many times this does not surface for several months down the road, when the bookseller finds that they cannot meet their essential monthly rent, utility or transportation, or other personal expenses.
If you are a bookseller who is at this stage, please contact Binc. Just because the storm has passed and is no longer in the news, Binc still has your back. The Foundation is here to help not just during the first hours after a disaster, but for the month’s that follow.
If you have recently weathered Hurricanes Harvey, Irma or Maria, please remember that Binc is here for you. If your household is going through a financial crisis, contact Binc. We are your safety net!
If you were lucky enough to not be touched by these storms, but would like to help, you can click here to donate.