Ko e fē ke mohe ai he pō ní hili ha vela ʻi ha fale nofoʻanga, tāfea, pe fakahalaiaʻi ha fale¶

Tu'u 'i he ve'ehala 'i he vaeua'anga 'o e po lolotonga 'a e kau tamate afi 'oku nau takai hake 'a e ngaahi hoses 'i tu'a 'i ho'o fale nofo'anga 'oku 'uli'uli 'e he kohu, pe foki mai ki 'api mei he ngaue ke kumi ha kulokula ngingila pe kulokula 'o e kolomu'a "'IKAI MALU KE NOFO / FAKAHAALA'I" 'oku fakapipiki 'i he tafa'aki 'o ho matapa 'i mu'a crelapte mainter wa cemedia pe, faingata‘a‘ia ‘i he nofo‘angá. ʻOku faʻa hoko, ʻoku tuʻu ʻa e kau nofo totongi kuo hiki mei honau ʻapí ʻi ha ngaahi kofu mohe pe ngaahi kofu ngāue ʻo ʻikai haʻanau kato paʻanga, faitoʻo, sioʻata, pe komipiuta toʻotoʻo, ʻo nau fifili pe te nau totongi fēfē ha loki ʻi ha hōtele he pō ní pea pe ʻoku nau kei moʻua ʻi he ʻuluaki ʻaho ʻo e māhiná.

‘Oku ‘ikai fiema‘u ke ke mohe ‘i ho‘o kaá pe fakatafe ho‘o pa‘anga fakataú ki ha loki motele kapau te ke faka‘aonga‘i ‘a e ngaahi kupenga malu‘i fakatamaki ‘oku nau ‘olunga ‘i he hokohoko totonú lolotonga ‘a e ‘uluaki houa ‘e 6. Ko e vela nofo'anga kotoa pe, tafea, pe fakahalaia'i 'o e fale 'oku ne fakatupu 'a e ngaahi founga fakalao mo fakaetangata pau: vave 'i he feitu'u 'oku hoko ai Kaati tokoni totongi kimu'a 'a e Kolosi Kulokula / Kulokula, malu'i 'o e kau nofo totongi pe kau ma'u 'api Fakamole ki mu'a 'o e Mo'ui (ALE) fakahokohoko fakamotu'alea, **fakalao ki he fonua mo e ngaahi voucher fale fakataimi 'a e 'Ofisi 'o e kolo ki he Pule'i Fakavavevave (OEM).

Fai ʻeni he taimí ni .¶

1. Kole ki he Pule 'o e Patalione Tamate Afí 'i he feitu'u ke ne fekau'i atu 'a e Timi Ngāue Fakatamaki 'a e Kolosi Kulokulá (DAT) kimu'a pea mavahe 'a e ngaahi mīsiní: Kapau 'e fakafetongi koe 'e ha vela, pā, pe holo fakafokifā, kole ki he 'ōfisa tamate afi pule 'i he feitu'ú ke ne kole ki he Kolosi Kulokulá (pe ngaahi ngāue fakasōsiale fakavavevave fakalotofonua 'a e Kolosi Kulokulá) immedill4 ‘i he 1-800-RED-CROSS (1-800-733-2767) ‘i ‘Amelika (pe tā ki he 211 ‘i ‘Amelika mo Kānata, pe fetu’utaki ki ho’o timi ngāue fakavavevave ‘a e falealea fakalotofonuá ‘i Pilitānia mo e ‘Iunioni ‘a ‘Iulopé).
2. Ma'u 'a e Fika Lipooti Faka'ofisiale 'o e Me'a Na'e Hoko ki he Vela pe ko e Tu'utu'uni Fakahalaia'i 'o e Fakahoko 'o e Lao: Kimu'a pea ke mavahe mei he ve'ehala, tohi'i pe 'ata 'a e Potungaue Tamate Afi Fika Me'a Na'e Hoko mo e hingoa 'o e 'Eiki Patalione, pe 'ave ha 'ata ofi mahino 'o e fale 'o e kolomu'a 'o e Tatice/Yllow'd Ko e maumau. ʻOku fie maʻu ʻe he ngaahi kautaha tokoni kotoa pē, kautaha maluʻi, mo e fakamaauʻanga ʻa e fika ko ʻení ke fakamoʻoniʻi hoʻo fetukutuku.
3. Kole ha fakafe'ao tamate afi miniti 'e 5 'oku tokanga'i ki he ngaahi me'a mahu'inga ki he mo'ui pe: 'Oua 'aupito na'a ke teitei fakapulipuli ki mui 'o fakalaka 'i he tepi afi kulokula pe ki ha fale 'oku faka'ilonga'i kulokula tokotaha pe; kole ki he Incident Commander pe 'oku faka'ata 'e he ngaahi tu'unga fakafa'unga ha tamate afi 'oku 'i ai 'ene heleta ke ne fakafe'ao koe ki loto 'i ha miniti 'e 3 ke puke 'a e ngaahi faito'o 'oku faka'aonga'i 'e he toketaa, paasipooti/ID, sio'ata, ngaahi kī 'o e me'alele, mo e ngaahi me'a 'oku 'ave 'e he fanga monumanu.
4. Ta ki ho'o kau nofo totongi pe kau ma'u 'api malu'i 'o e kau ma'u 'api 24/7 tesi kole ki ha tomu'a totongi vave 'o e Mole 'o e Ngaue'aki (ALE): Neongo kapau na'e kamata 'a e vela 'i ha fale nofo'anga 'o e kaunga'api pea na'e 'ikai ke ke hala, telefoni ki ho'o kautaha malu'i 'o e kau nofo totongi 'a'au 'i he taimi pe ko ia ke fakaava ha **Coverage D (Mole 'o e Ngaue'aki)imse; 'e lava ke puke hangatonu 'e he kau malu'i ha loki 'i he hotele ma'au he poo ni pe uaea ha pa'anga fakavavevave ki ho'o kaati fakamo'ua.
5. Ave ki ho'o 'eiki 'api ha Fanongonongo tohi timestamped 'o e Nofo 'oku 'ikai lava ke nofo'i mo e Fakasi'isi'i 'o e Totongi: 'Imeili mo e text ki ho'o 'eiki 'o e 'api 'i he taimi pe ko ia 'o fakaha kuo 'ikai lava ke nofo'i 'a e 'iuniti 'e he lavea pe tu'utu'uni 'a e kolomu'a, kole ha tokoni fakalao vave ki he hiki mo e daiurent repla, temporary repla (tu‘u) lolotonga ia ‘oku ‘ikai lava ke ke nofo fakalao ‘i he feitu‘ú.
6. Tauhi 'a e tohi tali totongi 'o e hotele, falekai, kofu, mo e pet-boarding kotoa pe: 'Ata mo tauhi 'a e tohi tali totongi kotoa pe 'oku faka'ilonga'i ki he ngaahi loki motele, me'akai, ngaahi naunau kaukau fakavavevave, ngaahi kofu ngaue, mo e ngaahi fale fō 'o kamata mei he Houa 1; ko e ngaahi fakamole ko eni mei he kato oku totongi fakafoki ia i he malumalu o e malu i ALE, ngaahi lao fakalao ki he hiki nofo totongi, pe ngaahi tokoni ki he fakatamaki.

Fakafehoanaki 'a e ngaahi hala fakapa'anga 'o e fale nofo'anga fakavavevave 'e 4 ('Uluaki houa 'e 72)¶

ʻI he taimi ʻoku ʻikai lava ke nofoʻi ai ha fale nofoʻanga pe ʻapi, ʻoku ʻi ai ha ngaahi founga fakapaʻanga kehekehe ʻe fā ke ʻufiʻufi ʻaki ho mohengá, meʻakaí, mo e valá. Te ke lava pea 'oku totonu ke ke faka'aonga'i 'a e ngaahi hala lahi 'i he taimi tatau, 'o kapau 'oku 'ikai ke ke kole 'a e totongi fakafoki 'o e totongi fakafoki 'o e tohi tali totongi tatau tofu pe tu'o ua.

flowchart TD
    Displaced["Displaced Tonight by Fire, Flood, Collapse, or Condemnation Tag"] --> Incident["1. Get Fire Incident Number or Photograph Official Building Condemnation Placard"]
    Incident --> RedCross["2. Call Red Cross (1-800-733-2767) or Municipal Emergency Social Services (211 / Council Duty) Immediately"]
    RedCross --> InsCheck{"Do You Have Renters or Homeowners Insurance?"}
    InsCheck -->|"Yes (Active Policy)"| CallIns["3. Call 24/7 Claims Line; Open Coverage D (Loss of Use / ALE) Claim and Ask for Direct-Bill Hotel Tonight"]
    InsCheck -->|"No Policy"| CityTrack["3. Ask Red Cross Caseworker + City Code Inspector / 211 for Emergency Motel Voucher or Temporary Family Shelter"]
    CallIns --> MedsID["4. Use Red Cross Health Services or Pharmacy Disaster Override to Replace Lost Medications and Eyeglasses"]
    CityTrack --> MedsID
    MedsID --> LandlordNotice["5. Send Written Notice to Landlord: Document Uninhabitability, Demand Statutory Rent Abatement + Deposit Return"]
    LandlordNotice --> Receipts["6. Save Every Hotel, Meal, Clothing, and Pet Boarding Receipt for Reimbursement"]

Track 1: How to get Red Cross emergency financial aid and hotel funds within hours¶

A common misconception is that the Red Cross only responds to massive hurricanes or wildfires shown on national television. In reality, over 90 percent of the emergencies handled by local Red Cross chapters (such as the American Red Cross, Canadian Red Cross, and British Red Cross emergency response partners) are single-family and apartment building fires happening every night of the year.

How the Disaster Action Team (DAT) process works¶

1. On-Scene Dispatch vs. Phone Intake: When a residential fire destroys or cuts off utilities to one or more units, the Fire Department Incident Commander or Police watch commander can request a Red Cross Disaster Action Team (DAT) through emergency dispatch. If fire trucks have already left the scene before you arrived home, call 1-800-RED-CROSS (1-800-733-2767) directly.
2. Damage Assessment Verification: Red Cross volunteers verify with the local Fire Department dispatch center that your building address suffered an active incident that rendered your unit unlivable (such as fire damage, severe smoke damage, roof opening, or fire-department shutoff of gas, water, and electricity).
3. The Immediate Client Assistance Card (Prepaid Visa/Mastercard): Once your residency and displacement are verified, the Red Cross issues an Emergency Financial Assistance prepaid debit card activated with an immediate cash balance scaled to the number of adults and children in your household. You can use this card at any hotel/motel front desk, grocery store, pharmacy, or clothing store, or withdraw cash at an ATM with zero fees.
4. What if you lost your driver's license or ID in the fire?: You do not need a government photo ID or legal immigration status to receive Red Cross emergency shelter or financial assistance. Volunteers can verify your residence using a piece of mail from your mailbox, a digital utility bill or lease on your smartphone, landlord confirmation, or neighbor/firefighter verification on scene.
5. Disaster Health Services (Replacing lost medications and medical gear): If your blood pressure pills, insulin, asthma inhalers, eyeglasses, dentures, walker, or CPAP machine burned or remain locked inside a condemned building, tell your Red Cross intake worker immediately. Licensed Red Cross Disaster Health Services nurses work 24/7 to contact your prescribing physician or local pharmacy and issue vouchers that cover the cost of emergency prescription refills and replacement medical equipment.

Track 2: Fakaava 'a e Malu'i 'o e kau nofo totongi pe kau ma'u 'api "Mole 'o e ngaue'aki" (Coverage D)¶

Kapau te ke totongi ‘a e pa’anga ‘Amelika ‘e 12 ki he 20 ‘i he mahina ki ha tu’utu’uni angamaheni HO-4 Renters Insurance (pe ‘oku ‘i ai ha’o tu’utu’uni HO-3 Homeowners pe HO-6 Condo), ‘oku ke ma’u ‘a e taha ‘o e ngaahi malu’i fale vave taha ‘oku ma’u: Malu’i D, Mole ‘o e Ngaue’aki / Ngaahi Fakamole Mo’ui Fakalahi (ALE).

Important facts about Coverage D (ALE) that tenants often miss¶

• You are covered even if your neighbor caused the fire or flood: If the apartment upstairs catches fire or a pipe bursts two floors above you and the city shuts off power and water to the whole building, your own renters insurance Coverage D pays for your hotel and meals immediately. You do not have to wait months to sue the negligent neighbor or landlord.
• You are covered even if a fire next door causes a civil authority evacuation: Most policies include a Civil Authority Prohibits Use clause: if a fire, gas leak, or structural collapse at the building next door causes the Fire Marshal or Police to cordon off your street and bar you from entering your undamaged apartment, your policy pays for your hotel and meals for up to 2 weeks.
• Ngaahi Sevesi Tu'u'anga Hotele Fakahangatonu-Bill: 'I he taimi 'oku ke telefoni ai ki he laine 'o e ngaahi kole fakatamaki 'a ho'o kautaha malu'i 24/7 'i he po 'o e vela, talaange ki he dispatcher: *"'Oku 'ikai lava ke nofo'i hoku fale nofo'anga he po ni koe'uhi ko e maumau 'o e afi/vai, pea 'oku ou fie ma'u ha tu'u'anga fakavavevave 'o e ALE contract contract 'i he hotele." Houa 'e 24 'a e kau fakatonutonu fale fakavavevave (hange ko e ALE Solutions, Nofo'anga Fakataimi, pe CRS Fale Fakataimi) 'oku nau puke ha loki 'o e hotele 'i ho kaunga'api 'i loto 'i ha houa 'e taha pea 'ai 'a e loki mo e tukuhau fakahangatonu 'i he 'akauni 'o e kautaha malu'i 'o e master zero corporate 'i tu'a 'i he desk.
• How meal reimbursement works ("Additional" Living Expense): ALE covers the increase in your necessary living expenses above your normal monthly budget. Because you have no kitchen in a standard hotel room and must eat at restaurants, insurers typically reimburse 50 to 75 percent of your restaurant receipts (representing the extra cost of dining out minus what you would have spent on raw groceries at home), plus 100 percent of hotel bills, extra commuting mileage/transit fares if the hotel is farther from your job or your kids' school, laundromat fees, and kennel boarding for your pets.

Track 3: Landlord obligations, Code Enforcement vacates, and rent abatement¶

When your apartment is rendered uninhabitable by fire, flood, sewage backup, lack of heat/water, or structural instability, your legal relationship with your landlord changes instantly under statutory property law and the Implied Warranty of Habitability.

flowchart TD
    Condemned["Apartment Uninhabitable (Fire, Flood, or City Condemnation Order)"] --> Cause{"What Caused the Displacement?"}
    Cause -->|"Sudden Casualty (Fire, Storm, Explosion Not Caused by Tenant)"| Abate["1. Immediate 100% Daily Rent Abatement (You Do Not Owe Rent for Unlivable Days)"]
    Abate --> LeaseChoice["2. Exercise Casualty Clause Rights: Terminate Lease for Full Security Deposit Return OR Wait for Repairs"]
    Cause -->|"Code Violations, Unpermitted Basement/Attic, or Deferred Maintenance"| Violation["1. Call City Code Enforcement / Housing Inspector Immediately to Issue Official Vacate Order"]
    Violation --> Reloc["2. Demand Statutory Landlord Relocation Payments (Per-Diem Hotel + Moving Allowance Where Mandated by Law)"]
    LeaseChoice --> Lockup["3. Demand Landlord Board Up and Secure Building to Prevent Looting of Remaining Belongings"]
    Reloc --> Lockup

1. Do you still have to pay rent after a fire or condemnation?¶

In almost every state, province, and European jurisdiction, no. Under the doctrine of constructive eviction, frustration of purpose, and statutory residential landlord-tenant acts (unless you or your guest intentionally or negligently set the fire):

• Immediate Pro-Rata Rent Abatement: The obligation to pay rent is legally dependent on the landlord providing a habitable dwelling fit for human occupation. From the exact day the fire or condemnation order bars you from living in the unit, your daily rent abates by 100 percent.
• Demanding a refund of prepaid rent: If the fire occurred on the 5^th of the month after you already paid the full month's rent on the 1^st, the landlord is legally required to refund the unused pro-rata portion of that month's rent (Days 6 through 30).
• Stopping automatic rent payments: Log into your tenant payment portal or bank bill-pay system tonight and turn off Autopay so next month's rent is not automatically drafted from your checking account while the building sits boarded up.
• Canceling the lease vs. waiting for repairs: Look at the "Casualty / Destruction of Premises" paragraph in your lease. In most jurisdictions, if repairs will take more than 14 to 30 days, either you or the landlord may terminate the lease by written notice, requiring the landlord to return 100 percent of your security deposit (plus any prepaid rent) immediately without deductions for fire or water damage. Read our guide on uninhabitable housing and utility shutoffs for statutory notice templates.

2. When must the landlord pay for your hotel or relocation?¶

Whether a landlord is legally required to pay for your hotel room depends on why the building became uninhabitable and where you live:

• No-Fault Sudden Casualty (Lightning fire, neighboring fire, natural flood): In most jurisdictions, if a sudden accident occurs through no fault of the landlord, the landlord must abate your rent and return your deposit, but is not automatically required by state law to pay for your hotel room (unless your lease promises a replacement unit). That is why Red Cross aid and Renters Insurance ALE are so important.
• Landlord Negligence or Code Enforcement Condemnation: If your unit is condemned by a municipal Building Inspector, Fire Marshal, or Health Department because of landlord code violations (such as unpermitted electrical wiring that sparked a fire, an illegal basement/attic apartment without a second fire exit, a collapsed roof from unfixed leaks, or shutoff utilities caused by the landlord failing to pay the master water/electric bill), many state and municipal laws force the landlord to pay mandatory relocation assistance:
  • Municipal Relocation Ordinances (United States examples): In cities and states with Tenant Relocation Assistance statutes (such as California Health & Safety Code § 17975, Washington State RCW 59.18.085, New Jersey's Relocation Assistance Act, New York City HPD Emergency Housing Services, Chicago, Seattle, Oakland, and Los Angeles), when a building is red-tagged due to code violations, the landlord is legally ordered to pay displaced tenants 3 times the monthly fair-market rent, plus moving costs and immediate per-diem hotel allowances within 24 to 72 hours. If the landlord refuses to pay, the city advances the hotel/relocation funds to the tenant and places a super-priority tax lien against the landlord's building.
  • United Kingdom (Housing Act 1996 Part VII): If a fire or Local Authority Environmental Health Emergency Prohibition Order leaves you with nowhere safe to sleep tonight, contact your Local Council's 24-Hour Out-of-Hours Emergency Homelessness / Housing Options Team. Under Section 188 of the Housing Act, the council has an immediate statutory duty to provide interim emergency accommodation tonight if there is reason to believe you may be homeless and in priority need (which explicitly includes anyone made homeless by an emergency such as fire, flood, or other disaster).

Maluʻi hoʻo fanga manú, faitoʻó, mo e ngaahi meʻangāué lolotonga e ʻuluaki houa ʻe 24¶

Ko e taimi pē te ke maʻu ai ha ʻato ʻi ho ʻulú ki he pō ko iá, fakakakato ʻa e ngaahi sitepu fakapuleʻanga ʻe nima ko ʻení ʻi he pongipongi hono hokó koeʻuhí ke ʻoua naʻá ke lavea ʻi he ngaahi totongi ʻo e ʻuhilá ki ha fale nofoʻanga kuo vela pe mole hoʻo fanga manú:

1. Nofo fakavavevave ki he fanga monumanu hili ha vela: Ko e ngaahi kautaha sevesi 'a e Kolosi Kulokula mo e ngaahi timi tali fakatamaki 'a e municipal Animal Control / Humane Society Disaster Response 'oku nau fa'a hoa ngaue mo e ngaahi kiliniki fakalotofonua 'o e fanga monumanu mo e ngaahi netiueka tauhi ke 'oatu 'a e nofo fakatu'utamaki fakatu'utamaki 'aho 'e 7 ki he 14 ta'etotongi ki he fanga kulii mo e fanga pusi 'o e fi. Foki, kapau 'oku 'i ai ha'o faingata'a'ia fakafaito'o pe faka'atamai pea 'oku ke fakafalala ki ha Monumanu 'o e Ngaue pe Monumanu Poupou Fakaeloto (ESA), 'Oku fie ma'u 'a e ngaahi hotele mo e ngaahi nofo'anga fakataimi 'i he malumalu 'o e ngaahi lao fakafederal ki he faingata'a'ia fakaesino ke faka'ata 'a e ngaahi tu'utu'uni "no-pet" mo e totongi 'o e fanga monumanu.
2. Tapuni pe faka'aisi ho'o ngaahi 'akauni 'uhila 'i he taimi pe ko ia: Ta ki ho'o kautaha 'uhila, kasa fakanatula, mo e 'initaneti 'i he pongipongi hili 'a e vela pea lipooti na'e faka'auha pe fakahalaia'i 'a e 'iuniti 'e he vela ('oange kiate kinautolu 'a e Fika Fakahoko 'o e Vela). Kapau te ke tuku 'a e 'akauni 'uhila pe kasa ke fakaava 'i ho hingoa lolotonga ia 'oku fakalele 'e he kau konituleki fakafoki 'a e ngaahi dehumidifiers mo e heaters fakangaue'anga houa 'e 24 he 'aho ke fakamomoa 'a e fale 'o e 'ea, 'e totongi atu 'a e pa'anga 'e laungeau ki he ivi langa 'o e 'ea.
3. Faile vave ha USPS / Postal Mail Hold: Fakahu ha kole 'i he 'initaneti Hold Mail mo ho'o sevesi fakameili fakafonua (USPS, Royal Mail, Canada Post) koe'uhi ke 'oua na'a tuku 'a e ngaahi kaati debit fetongi, sieke malu'i, mo e ngaahi tohi fakamo'oni mahu'inga ki ha puha meili 'oku 'ikai malu'i, vela 'i he hala.
4. Fetongi 'a e ngaahi ID tefito 'aki 'a e ngaahi faka'ata totongi: Kole ki ho'o caseworker 'a e Kolosi Kulokula ki ha Foomu Fakamo'oni 'o e Kolosi Kulokula ki he Fakatamaki / Mole 'i he Vela faka'ofisiale. Ko hono ‘oatu ‘o e foomu ko ení ‘i he ngaahi ‘ōfisi ‘o e Potungāue Me‘alele (DMV) ‘a e siteití, ngaahi ‘ōfisi lesisita sivilé, mo e ngaahi ‘ōfisi malu‘i fakasōsialé ‘oku fa‘a faka‘atā ai ‘a e totongi fetongi ‘o e ngaahi laiseni faka‘ulí, ngaahi tohi fā‘elé, mo e ngaahi kaati monū‘ia na‘e vela ‘i ha vela.
5. Never sign a "Public Adjuster" or "Restoration Contractor" contract on the sidewalk: At major structure fires, commissioned "chaser" contractors and aggressive public adjusters often show up on the sidewalk listening to fire scanners and pressure dazed victims to sign forms under streetlamps. Never sign any contract on the night of a fire. Work only with official uniformed Fire Department officers, Red Cross volunteers wearing official photo ID badges, and your own insurance company's verified claims number.

Lisi sivi houa ʻe 24 ʻo e moʻuí hili ʻa e velá mo e fakahalaiaʻí¶

Fakaʻaongaʻi ʻa e lisi ko ʻení ke fokotuʻutuʻu hoʻo ʻuluaki ʻaho ʻo e fakaakeaké:

• Lekooti ʻa e Fika Fakaʻofisiale ʻo e Potungāue Tāmate Afí pe ʻata ʻa e fakahā ʻo e Fakahalaiaʻi Kulokula/Kulokula ʻa e ʻInisipēkita Fale ʻo e koló.
• Fetu’utaki ki he Timi Ngaue Fakatamaki ‘a e Kolosi Kulokula (1-800-733-2767) pe ko e ngaahi sevesi fakasosiale fakavavevave ‘a e kolomu’a fakalotofonua (211 / Fatongia Fale ‘a e Fakataha Tokoni) ki ha kaati tokoni totongi mu’a vave pe ko ha voucher ‘o e hotele.
• Fakaava ha kole Coverage D (Mole 'o e Ngaue'aki / ALE) mo ho'o kau nofo totongi pe malu'i 'o e kau ma'u 'api pea kole ha tu'u'anga 'o e hotele 'oku totongi fakahangatonu.
• Fetu'utaki ki he Potungaue Mo'ui Fakatamaki 'a e Kolosi Kulokula pe ko ho'o falekoloa faito'o ke ma'u ha ngaahi overrides fakatu'utamaki fakavavevave ki he ngaahi faito'o mo e sio'ata faka'aho 'oku mole.
• Sent a written email/text notice to your landlord documenting the uninhabitable condition, confirming 100 percent rent abatement, and disabling automatic rent payments.
• Placed electric, gas, and internet utilities in your name on disaster hold/disconnect so you are not billed for contractor drying equipment.

Ngaahi fehu'i 'oku toutou 'eke .¶

Kuo vakaiʻi ʻa e ngaahi maʻuʻanga fakamatalá¶

• American Red Cross (United States): Disaster Action Team (DAT) Home Fire Response Standards, Immediate Financial Assistance (CAC) Guidelines, and Disaster Health Services Protocols.
• Federal Emergency Management Agency and U.S. Fire Administration (FEMA / USFA, United States): After the Fire: Returning to Normal, Official Post-Fire Recovery Guide for Residents and Tenants.
• National Association of Insurance Commissioners (NAIC, United States): Consumer Guide to Renters and Homeowners Insurance: Coverage D (Loss of Use / Additional Living Expenses) Claims.
• U.S. Department of Housing and Urban Development (HUD, United States): Tenant Rights, Implied Warranty of Habitability, and Post-Disaster Housing Assistance Programs.
• Ministry of Housing, Communities and Local Government and Shelter (MHCLG / Shelter, United Kingdom): Housing Act 1996 Part VII Section 188 Interim Accommodation Duty for Persons Homeless Following Fire, Flood, or Disaster.

Ngaahi fakahinohino fekau'aki¶

• Vela fale
• Fale ta'e lava ke nofo'i mo e ngaahi sevesi mahu'inga .
• Tuli ta'efakalao mo e loka'i .
• Unhoused survival and extreme weather triage