Arkansas Storm Survivors Urged to Register for Federal Disaster Assistance

NORTH LITTLE ROCK – State and federal officials are encouraging Arkansas residents in the 11 counties hardest hit by the severe storms of late 2015 – January, 2016 to register for disaster assistance with FEMA as soon as possible.

Residents of Benton, Carroll, Crawford, Faulkner, Jackson, Jefferson, Lee, Little River, Perry, Sebastian and Sevier counties that suffered damage from the severe storms, tornadoes, straight-line winds and flooding Dec. 26, 2015 – January 22, 2016 may be eligible for federal disaster assistance.

The first step is to register. To do so:

•    Call 1-800-621-3362 (FEMA) or TTY 1-800-462-7585 for the speech- and hearing-impaired. If you use 711-Relay or Video Relay Services (VRS), call 1-800-621-3362.
•    Go to www.disasterassistance.gov or via web-enabled phone or tablet at m.fema.gov.

The toll free telephone lines operate from 7 a.m.to 10 p.m. local time, seven days a week.

 “It is important to register with FEMA even though you may have contacted other agencies or volunteer organizations in your area,” said Scott Bass of the Arkansas Department of Emergency Management. “Keep clear records and receipts of any repairs and take photos if possible.”

To speed the registration process, have the following readily available:

•    A current phone number where you can be contacted;
•    Your address at the time of the disaster and the address where they are now staying;
•    Your Social Security number, if available;
•    A general list of damages and losses; and
•    If insured, the insurance policy number, or the agent and company name.

Federal disaster assistance may include grants for temporary housing and home repairs, low-interest loans to cover underinsured or uninsured property losses, and other programs to help individuals and business owners recover from the effects of the disaster.     

Disaster recovery loans from the U.S. Small Business Administration (SBA) are available for businesses of all sizes (including landlords), private nonprofit organizations, as well as homeowners and renters. Call the SBA at 1-800-659-2955 or visit the website at: www.sba.gov/disaster.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling 800-659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call 800-877-8339.

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Arkansas Storm Survivors Urged to Register for Federal Disaster Assistance

Federal Aid Programs for the Arkansas Declaration

Following is a summary of key federal disaster aid programs that can be made available as needed and warranted under President Obama’s disaster declaration issued for the State of Arkansas.

Assistance for Affected Individuals and Families Can Include as Required:

  • Rental payments for temporary housing for those whose homes are unlivable. Initial assistance may be provided for up to three months for homeowners and at least one month for renters.  Assistance may be extended if requested after the initial period based on a review of individual applicant requirements.  (Source: FEMA funded and administered.)
  • Grants for home repairs and replacement of essential household items not covered by insurance to make damaged dwellings safe, sanitary and functional.  (Source: FEMA funded and administered.)
  • Grants to replace personal property and help meet medical, dental, funeral, transportation and other serious disaster-related needs not covered by insurance or other federal, state and charitable aid programs.   (Source: FEMA funded at 75 percent of total eligible costs; 25 percent funded by the state.)
  • Unemployment payments up to 26 weeks for workers who temporarily lost jobs because of the disaster and who do not qualify for state benefits, such as self-employed individuals.  (Source: FEMA funded; state administered.)
  • Low-interest loans to cover residential losses not fully compensated by insurance.  Loans available up to $200,000 for primary residence; $40,000 for personal property, including renter losses.  Loans available up to $2 million for business property losses not fully compensated by insurance.  (Source: U.S. Small Business Administration.)
  • Loans up to $2 million for small businesses, small agricultural cooperatives and most private, non-profit organizations of all sizes that have suffered disaster-related cash flow problems and need funds for working capital to recover from the disaster’s adverse economic impact.  This loan in combination with a property loss loan cannot exceed a total of $2 million. (Source: U.S. Small Business Administration.)
  • Loans up to $500,000 for farmers, ranchers and aquaculture operators to cover production and property losses, excluding primary residence.  (Source: Farm Service Agency, U.S. Dept. of Agriculture.)
  • Other relief programs: Crisis counseling for those traumatized by the disaster; income tax assistance for filing casualty losses; advisory assistance for legal, veterans’ benefits and social security matters.

How to Apply for Assistance:

  • Affected individuals and business owners in designated areas can begin the disaster application process by registering online at www.DisasterAssistance.gov or by calling 1-800-621-FEMA (3362).  Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362. The toll-free telephone numbers will operate from 7 a.m. to 9 p.m. (local time) seven days a week until further notice. Applicants registering for aid should be prepared to provide basic information about themselves (name, permanent address, phone number), insurance coverage and any other information to help substantiate losses.

Assistance for the State and Affected Local Governments Can Include as Required:

  • Payment of not less than 75 percent of the eligible costs for emergency protective measures taken to save lives and protect property and public health.  Emergency protective measures assistance is available to state and eligible local governments on a cost-sharing basis. (Source: FEMA funded, state administered.)
  • Payment of not less than 75 percent of the eligible costs for repairing or replacing damaged public facilities, such as roads, bridges, utilities, buildings, schools, recreational areas and similar publicly owned property, as well as certain private non-profit organizations engaged in community service activities. (Source: FEMA funded, state administered.)
  • Payment of not less than 75 percent for snow assistance, for a specific period of time during or proximate to the incident period.  Snow Assistance may include snow removal, de-icing, salting, snow dumps, and sanding of roads.  (Source: FEMA funded, state administered.)
  • Payment of not more than 75 percent of the approved costs for hazard mitigation projects undertaken by state and local governments to prevent or reduce long-term risk to life and property from natural or technological disasters.  (Source: FEMA funded, state administered.)

How to Apply for Assistance:

  • Application procedures for state and local governments will be explained at a series of federal/state applicant briefings with locations to be announced in the affected area by recovery officials. Approved public repair projects are paid through the state from funding provided by FEMA and other participating federal agencies.

FEMA’s mission is to support our citizens and first responders and ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Stay informed of FEMA’s activities online: videos and podcasts available at www.fema.gov/medialibrary and www.youtube.com/fema; follow us on Twitter at www.twitter.com/fema  and on Facebook at www.facebook.com/fema.

Original post – 

Federal Aid Programs for the Arkansas Declaration

The Time to Buy Is While It’s Dry: FEMA Urges Public to Get Flood Insurance

DENTON, Texas – The Federal Emergency Management Agency (FEMA) urges people to buy flood insurance now – before the next flood hits.

Flooding is the nation’s number one natural disaster, a fact people in this part of the United States know all too well. Yet statistics indicate most people ignore the risks associated with flooding and do not buy flood insurance.

However, with some forecasters calling for a wet winter in many parts of the country, local residents should buck that trend, said FEMA Region 6 officials in Denton, Texas. Those wet winter forecasts come on the heels of a spring and summer that saw Arkansas, Louisiana, Oklahoma and Texas receive major disaster declarations for flooding.

“Nobody here will forget the heartbreaking images from this spring’s devastating floods,” said Regional Administrator Tony Robinson. “Losing your family’s treasured possessions to floodwaters is hard enough; not having insurance to cover the replacement costs makes a bad situation worse.”

People who want to know whether they live in a flood-prone area and how to get flood insurance can learn more on www.floodsmart.gov. The site contains a wealth of information about the risks and costs of flooding, and the benefits of insurance.

“Once you buy an insurance policy, it takes 30 days to go into effect – so the time to act is now, before the next heavy rains,” Robinson said.

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The Time to Buy Is While It’s Dry: FEMA Urges Public to Get Flood Insurance

FEMA Registration Deadline Now Just Two Weeks Away

NORTH LITTLE ROCK – Residents of nine Arkansas counties who suffered damage from the severe storms of May 7 through June 15, 2015, have only about two weeks’ left to register for disaster assistance with the Federal Emergency Management Agency.

The deadline to register for disaster assistance is Tuesday, Aug. 25, 2015.

Individuals and families who suffered losses as a result of the late spring storms may register online at www.disasterassistance.gov; those without access to the internet can call FEMA’s toll-free registration number, 800-621-3362 (FEMA). Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 800-462-7585 directly; those who use 711 or Video Relay Service (VRS) call 1-800-621-3362.

The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice. Multilingual operators are available.

Residents of Crawford, Garland, Howard, Jefferson, Little River, Miller, Perry, Sebastian and Sevier counties may be eligible for federal disaster assistance. That assistance can include money for rental assistance, essential home repairs, personal property loss and other serious disaster-related needs not covered by insurance.

Low-interest disaster loans from the Small Business Administration (SBA) are available to help with residential and business losses not covered by insurance. The SBA is the federal government’s primary source of money for the rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property.

For more information on SBA programs, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800) 877-8339.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners, and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov  or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800) 877-8339.

Original link – 

FEMA Registration Deadline Now Just Two Weeks Away

Be a Good Neighbor – Remind Storm Survivors to Register for Assistance

NORTH LITTLE ROCK — Residents of the nine Arkansas counties included in the federal disaster declaration are encouraged to remind their neighbors: “Register with FEMA for disaster aid.”

Today’s communication tools provide many high-tech ways to share information, but the most effective way to “get the word out” is still the original one: through personal contact.

Residents of Crawford, Garland, Howard, Jefferson, Little River, Miller, Perry, Sebastian and Sevier counties may be eligible for federal disaster assistance, but the amount of time to register for help is limited.

The deadline to register is Aug. 25, 2015.

“Even if you have already registered for disaster assistance with FEMA, you may know someone, a family member or a neighbor who has not applied for help. Please take a few moments to call or knock on your neighbors’ doors to see if they have applied with FEMA,” said State Coordinating Officer Scott Bass with the Arkansas Department of Emergency Management.

Federal disaster aid may include financial help with rental assistance, home repairs and replacing essential household items not covered by insurance. Other assistance may be available to replace personal property and help meet medical, dental, funeral, transportation and other serious disaster-related needs.

Low-interest disaster loans are available from the U.S. Small Business Administration (SBA) to businesses of all sizes, private nonprofit organizations, homeowners and renters to pay for repair or replacement costs of disaster damaged primary residences, businesses and personal property. These loans cover costs not fully compensated by insurance and cannot duplicate benefits from other agencies or compensation from other organizations.

Individuals and families who suffered losses as a result of the late spring storms have until Aug. 25, 2015 to register with the Federal Emergency Management Agency for disaster assistance. They can do so online at www.DisasterAssistance.gov or by calling 1-800-621- 3362 (FEMA).  Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362.  Multilingual operators are available.

The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice. Multilingual operators are available.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners, and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov  or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800) 877-8339.

Continue at source:  

Be a Good Neighbor – Remind Storm Survivors to Register for Assistance

Communities urged to apply for aid that helps build more disaster-resistant infrastructure

NORTH LITTLE ROCK – Federal assistance may be available to help Arkansas communities rebuild infrastructure to higher, more disaster-resistant standards and state officials are encouraging local governments to take advantage of that funding.

The assistance to communities is part of the aid that became available following the severe storms, tornadoes, straight-line winds, and flooding during the period of May 7 to June 15, 2015.

“Generally, the federal Public Assistance program restores disaster damaged infrastructure to pre-disaster conditions,” said Nancy M. Casper, federal coordinating officer for the Federal Emergency Management Agency. “But when cost effective and technically feasible, it makes sense to rebuild to higher standards that can prevent future loss.”

FEMA’s Public Assistance program provides federal funds to reimburse a minimum of 75 percent of the costs for removing debris, conducting emergency protective measures and repairing levees, roads, bridges, public utilities, water control facilities, public buildings and parks. Mitigation funding may be considered in each project category.

Eligible applicants may include:

  • state agencies

  • local and county governments

  • private nonprofit organizations that own or operate facilities that provide essential government-type services

“Studies show that every $1 paid toward mitigation saves an average of $4 in future disaster-related costs,” said State Coordinating Officer Scott Bass of the Arkansas Department of Emergency Management Agency. “By adding mitigation money to repair costs, our goal is to reduce or eliminate damages from future disasters.”

As part of the process for applying for federal assistance, experts from ADEM and FEMA help identify projects that will qualify for the special mitigation program. Officials urge applicants to take advantage of the funds.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners, and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov  or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800) 877-8339.

 

This article:  

Communities urged to apply for aid that helps build more disaster-resistant infrastructure

FEMA Mitigation Teams to End Community Outreach

NORTH LITTLE ROCK – There are only a few days left to meet with FEMA specialsts at select home building supply stores and learn how to lessen the impact of disaster-related property damage.

The experts are available at the stores to talk to any Arkansas resident interested in building or remodeling their property to better withstand heavy rain, wind, and flooding.

FEMA specialists offer “how-to” information on both retrofitting buildings to make them more resistant to wind damage and ways to elevate utilities against  flood damage. They also provide tips to clean and help prevent mold and mildew

These locations, hours, and end dates were announced:

  • Garland County: Lowe’s, 300 Cornerstone Blvd., Hot Springs

    • from 7 a.m. to 6 p.m. on Monday and Tuesday and from 7 a.m. to 6 p.m. Thursday, Friday and Saturday.The teams end their work their on Aug. 5, 2015.

  • Sebastian County: Lowe’s 8001 Rogers Ave., Fort Smith

    • from 7 a.m. to 6 p.m. Thursday through Saturday.The team ends their work COB on Saturday, Aug. 1, 2015.

  • Miller County: Davis Lumber Company,  Hwy 71, South, Texarkana

    • from 8 a.m. to 5 p.m. Thursday and on Friday and Saturday from 8 a.m. to noon. The team ends their work COB on Aug. 1, 2015.

Many of the tips and techniques offered are specifically geared for the do-it-yourselfer and for building contractors. If you have a disability and need an accommodation to access materials such as Braille, large print, please let our representatives know. ASL interpreters are available by appointment by calling 870-451-9241.

FEMA offers a number of free online resources for home and property owners. To get started, go to

www.fema.gov/safer-stronger-protected-homes-communities.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners, and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800) 877-8339.

 

Originally from: 

FEMA Mitigation Teams to End Community Outreach

Disaster Recovery Center in Crawford County to Close Aug. 7; Deadline to Register is Aug. 25.

Disaster Recovery Center in Crawford County to Close Aug. 7; Deadline to Register is Aug. 25.

NORTH LITTLE ROCK – Hours at the disaster recovery center in Crawford County changed this week and officials announced the center will close at the end of the business day on Friday, Aug.  7.

Located at the Arkansas Valley Electric Cooperative Building, 615 E. Pointer Trail in Van Buren, the center provides help to those whose homes or businesses were affected by the severe spring storms, May 7 to June 15, 2015.

Hours at the center are now from 9 a.m. to 5 p.m. Monday through Friday.  The center closes Aug. 7, but help will still be available online or by a toll-free call.

Individuals and families who suffered losses as a result of the late spring storms have until Aug. 25, 2015 to register with the Federal Emergency Management Agency for disaster assistance. They can do so online at www.DisasterAssistance.gov or by calling 1-800-621- 3362 (FEMA).  Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362.  Multilingual operators are available.

Those who have registered for assistance can get answers to questions and check on the status of their claim online, or at the same toll-free number.

The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice. Multilingual operators are available.

Federal disaster assistance for individuals and families can include money for rental assistance, essential home repairs, personal property loss and other serious disaster-related needs not covered by insurance.

Each disaster recovery center has assistive technologies for people with disabilities. ASL assistance is available at the DRCs by appointment by calling 870-451-9241.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners, and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800) 877-8339.

 

 

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Disaster Recovery Center in Crawford County to Close Aug. 7; Deadline to Register is Aug. 25.

FEMA Offers Resources for Property Owners Rebuilding After Disaster

NORTH LITTLE ROCK –  FEMA offers a wide range of free resources for Arkansas homeowners who are either rebuilding after the spring storms or preparing for the next time disaster strikes.

FEMA maintains an extensive online library, including bilingual and multimedia resources, which describe the measures contractors or do-it-yourselfers can take to reduce risks to property. FEMA publications can be viewed online and downloaded to any computer.

For rebuilding information, go to www.fema.gov and click on “Plan, Prepare and Mitigate.” There are numerous links to resources and topics including “Protecting Homes,” “Protecting Your Business” and “Safe, Strong and Protected Homes and Communities.” There are also links to information about disaster preparedness.

The decision to rebuild stronger, safer and smarter may save lives and property in a future disaster.

http://www.fema.gov/protect-your-property – offers a comprehensive overview of available publications to help protect your home or business against hazards including earthquakes, fire, flood, high winds and others.

http://www.fema.gov/small-business-toolkit/protect-your-property-or-business-disaster – provides links to resources for protecting your community, your business and places of worship, and offers helpful links like these:

# # #

 

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from and mitigate all hazards.

See original article: 

FEMA Offers Resources for Property Owners Rebuilding After Disaster

FEMA Officials: Don’t Wait for Insurance Settlement to Seek Disaster Aid

NORTH LITTLE ROCK – Arkansas residents living in any of the nine counties declared a federal disaster area do not have to wait for an insurance settlement to register for disaster aid for damage from the severe spring storms.

“Arkansans may find they are underinsured or that their policies do not cover temporary housing while repairing or rebuilding their homes,” said Nancy M. Casper, the federal coordinating officer with FEMA. “Don’t wait for an insurance settlement before registering with FEMA — you could miss out on disaster aid you may be eligible for.”

Residents of Crawford, Garland, Howard, Jefferson, Little River, Miller, Perry, Sebastian and Sevier counties affected by the severe storms, tornadoes, straight-line winds, and flooding during the period of May 7 to June 15, 2015 may be eligible for disaster assistance.

Many of those with damage from the storms have already filed claims for damage through their insurance.  Recovery officials urge homeowners and renters to register for FEMA disaster assistance as well, even while waiting on an insurance settlement.

Once registered, applicants who expect their insurance policy to cover storm-related loss and damages are mailed a “Request for Information.” The letter details additional information to support the applicant’s need for federal disaster assistance. Applications are reviewed as part of the verification process by FEMA to avoid duplicating insurance payments.

“Don’t forget to call FEMA to update your application after you have settled with your insurance company,” said Casper. “Even if you are insured, your policy may not cover everything. Updating FEMA with insurance information could mean you are eligible for additional assistance funds.”

Individuals and business owners who sustained losses can apply for assistance by registering online at www.DisasterAssistance.gov or by calling 1-800-621-FEMA (3362) or by web enabled mobile device at m.fema.gov. Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362.

The toll-free telephone numbers operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice. Multilingual operators are available.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

 

 

 

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FEMA Officials: Don’t Wait for Insurance Settlement to Seek Disaster Aid

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