The Rebuild Gap: Recovery Worksheet, Catastrophe Pool Design, and Town Factorization Application.

A ten-part toolkit for measuring and closing the gap between what disaster assistance actually delivers and what a household needs to rebuild. The rebuild gap worksheet lets a household compute its own position at its own kitchen table - need against arrived help, with loans counted as debt, never as recovery - and report only a band and an area, never its figures. The packet includes the worksheet, form, and instructions; a government packet and an insurer note; a schedule naming fire, quake, and wind; a design note for a Catastrophe Pool; the Morningstar Town Factorization applied to disaster-struck towns, with its financeability evidence; and a primary-source verification of every federal anchor figure used. Broad edition; a Spokane- tailored edition follows as the live test.