This program has been prepared to assist municipalities & community volunteers. It's intended to alleviate hardships suffered by private home owners, farmers, small business enterprises & non-profit organizations whose essential property has been damaged in a sudden & unexpected natural disaster such as severe windstorm, tornado, flood, forest fire & ice storm... This program provides funds to those who have sustained heavy losses for essential items such as shelter or other necessities of life... In the event of a natural disaster individuals are expected to bear responsibility for their losses. If the losses are so extensive that the individual cannot hope on their own, the municipality and the community at large are expected to provide support through fundraising activities... Many assume that community fundraising is based on special events and ''passing the hat'', and any group of community minded citizen should be good at it. In reality, success fundraising appeals take planning, organization & hard work. They also fulfill community need & provide those with a sense of accomplishment & pride...