Replacing Your Important Papers

DENVER – Not only were Colorado homes damaged by the recent severe storms, flooding, landslides or mudslides, but many survivors also lost valuable personal documents.  The documents include everything from Social Security cards to driver licenses to credit cards. 

The following is a partial list of ways to get duplicates of destroyed or missing documents:

Birth and Death Certificates – Birth and death certificates can be replaced by visiting your county vital records office or on line http://go.usa.gov/DFbw

Marriage Certificates – The online link for replacement of marriage certificates is http://go.usa.gov/DFbw

Marriage Dissolutions (divorces) – The online link for divorce decree replacements is http://go.usa.gov/DFbw

Adoption Decrees – The Colorado District Courts link for adoption records – if the adoption was finalized in Colorado – is http://go.usa.gov/DFbw

Immigration Documents – Contact your county office or the site below for citizenship, immigration, permanent resident card (green card), employment authorization, re-entry permit and more. uscis.gov

Driver Licenses – Visit any Colorado driver license office with acceptable identification and proof of address. Fee required.

Vehicle Registration, License Tab or Title – Contact your county motor vehicle office. You will need proof of insurance and Colorado vehicle emissions. Fees administered by county.  http://tinyurl.com/m2hchyh

Passport – Complete form DS-64 from http://tinyurl.com/ld6z28k

Military Records – Request Standard Form 180 (SF-180) from any office of the Veterans Administration, American Legion, VFW or Red Cross, or download from http://tinyurl.com/lnu2pmt

Mortgage Papers – Contact your lending institution

Property Deeds – Contact the recorder’s office in the county where the property is located

Insurance Policies – Contact the insurance company for replacement papers

Social Security Card – Go to a Social Security Administration office. You also can request a copy of your Social Security statement online www.ssa.gov

Transcript of Your Tax Return – Call nearest Treasury Department office, IRS office or 800-829-3646; request form 4506. To find your local IRS office, go to http://tinyurl.com/mvk5dvu

Savings Bonds/Notes – Complete Form PDF 1048 (Claim for Lost, Stolen or Destroyed U.S. Savings Bonds); available by calling 304-480-6112 or at www.treasurydirect.gov/forms/sav1048.pdf

Credit Cards – American Express, 800-528-4800; Discover, 800-347-2683; MasterCard, 800-622-7747; Visa, 800-847-2911

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Replacing Your Important Papers

FEMA Registration Deadline Extended for Disaster Survivors in Colorado

DENVER – At the request of the state of Colorado, FEMA has approved an extension for storm and flooding survivors to register for federal disaster assistance.

The new registration deadline is November 30, 2013, which is also the new deadline to complete and return low-interest U.S. Small Business Administration (SBA) disaster loan applications.

Survivors who register may be eligible for federal grants to help cover various disaster-related expenses, including rent, essential home repairs, personal property losses and other serious disaster-related needs not covered by insurance.

The extension is for all 11 Colorado counties designated for federal Individual Assistance: Adams, Arapahoe, Boulder, Clear Creek, El Paso, Fremont, Jefferson, Larimer, Logan, Morgan and Weld.

People living in these counties who sustained losses due to storms and flooding should register with FEMA even if they have insurance. Applying by the deadline may help survivors avoid a funding shortfall if they later find that they are underinsured or have additional damages.

Under the SBA disaster loan program, homeowners may be eligible for as much as $200,000 in loans to repair or replace their storm-damaged primary residence. Homeowners and renters may be eligible for as much as $40,000 for replacement of personal property. Businesses and private nonprofits may be eligible to borrow as much as $2 million to repair or replace storm-damaged property.

Register with FEMA by phone, 800-621-3362, from 5 a.m. to 8 p.m., MST, seven days a week.  Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages. People who have a speech disability or are deaf or hard of hearing may call (TTY) 800-462-7585; users of 711 or Video Relay Service can call 800-621-3362.

Register online at: DisasterAssistance.gov. Register by Web-enabled device, tablet or smartphone: type m.fema.gov in the browser.

 

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FEMA Registration Deadline Extended for Disaster Survivors in Colorado

Road Openings Will Enable Hundreds of New FEMA Inspections

DENVER –Once their flood-impacted homes become accessible by regular (not off-road) vehicle, residents should schedule their FEMA housing inspection.

After access is made, residents should contact FEMA at 1-800-621-FEMA (3362) to schedule FEMA inspections.

Inspection access means that the FEMA inspector can drive all the way to the home in an ordinary car. That includes being able to drive across any bridges used to reach the dwelling prior to the flood.

A FEMA housing inspection is the next step in determining what assistance can be provided to residents who have been prevented from returning home.

FEMA housing inspectors prominently wear photo identification. Beware of imposters.

Register with FEMA by phone, 800-621-3362, from 5 a.m. to 8 p.m., MST, seven days a week.  Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages. People who have a speech disability or are deaf or hard of hearing may call (TTY) 800-462-7585; users of 711 or Video Relay Service can call 800-621-3362.

Register online: DisasterAssistance.gov. Register by Web-enabled device, tablet or smartphone: type m.fema.gov in the browser.

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Road Openings Will Enable Hundreds of New FEMA Inspections

Urban Search and RescueTeams Remove Coloradoans From Dangerous Situations After Flooding

DENVER – When Colorado towns were cut off, streets flooded and people stranded, members of five task forces of FEMA Urban Search and Rescue (US&R) arrived to help. Task force members from Colorado, Missouri, Nebraska, Nevada and Utah searched house-to-house and helped flood survivors evacuate.

Members of the Nebraska Task Force created different ways to reach survivors and their homes. Making their way through flood waters, rescuers used poles to navigate the debris under water.

“In a normal river, it’s known what your hazards are,” said Lloyd Mueller of the Lincoln Fire and Rescue division of Nebraska Task Force One. “Here in urban flooding, it’s not known. Everything has changed. The landscape has changed, and the river has shifted course.”

Each US&R Task Force is comprised of 70 members and four canines. Team members include physicians, first responders, hazardous material specialists and structural engineers. The team is set up with equipment and vehicles so it can be self-sufficient for the first 72 hours of operations.

When disaster strikes a community, within six hours, FEMA deploys the three closest task forces. The 28 national task forces support state and local emergency responders during disasters such as the Colorado flooding or catastrophic structure collapses such as the Murrah Federal Building, World Trade Center or Pentagon. When not on an assignment, many task force members serve in their local communities as first responders, firefighters or paramedics.

“This program is incredibly unique. You can see some of the incidents we’ve had over the last 15 years where the local government and state government get overwhelmed,” said Niko King, US&R Incident Support Team information officer. “To have these teams here within hours of when a community is impacted has been incredibly invaluable.”

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Urban Search and RescueTeams Remove Coloradoans From Dangerous Situations After Flooding

Federal Disaster Aid for Individuals and Businesses Tops $100 Million

DENVER – Federal disaster assistance for Colorado flood survivors recovering from the September storms has topped $100 million.

The Federal Emergency Management Agency has approved more than $49.4 million in housing assistance and grants for other essential disaster-related needs, including medical, dental and funeral expenses and lost or damaged personal possessions.

The U.S. Small Business Administration has approved $50.7 million in federal disaster loans to Colorado homeowners, renters, businesses and private nonprofit organizations that sustained damage from the severe storms and flooding.

FEMA grants to homeowners and renters may include emergency rental assistance and necessary repairs to owner-occupied homes.

Homeowners, renters and business owners should not wait to settle with their insurance companies before applying to SBA for a low-interest disaster loan.  Colorado flood survivors should return their completed applications, even if they have not settled with their insurance company.

Individuals and business owners who sustained property damage are encouraged to first register with FEMA prior to the Nov. 14 deadline.

Register with FEMA by phone, 800-621-3362, from 5 a.m. to 8 p.m., MDT, seven days a week.  Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages. People who have a speech disability or are deaf or hard of hearing may call (TTY) 800-462-7585; users of 711 or Video Relay Service can call 800-621-3362.

Register online: DisasterAssistance.gov. Register by Web-enabled device, tablet or smartphone: type m.fema.gov in the browser.

For more SBA disaster assistance information, call (800) 659-2955 (TTY 1-800-977-8339) or go to www.sba.gov/disaster

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Federal Disaster Aid for Individuals and Businesses Tops $100 Million

Deadline for Filing NFIP Insurance Claim is 60 Days after Flood Damage

DENVER – The deadline for Colorado residents to file an insurance claim with the National Flood Insurance Program (NFIP) is 60 days after flood damage to an insured structure. For example, if the flood damage was on Sept. 10, the claim must be filed by Nov. 9. The flood event began in the mountains Sept. 10, and ended Sept. 30, when flood waters flowed out of state.

To date, NFIP has paid out $21.37 million to 1,167 Colorado policy holders affected by the September flooding.

Floods are the most common and costly natural disasters in the United States.

NFIP policies are sold and serviced through many private insurance companies. The policies cover physical damage to a building or personal property that is directly caused by a flood. For example, damage resulting from a sewer backup is covered if the problem is a direct result of flooding. However, if the backup is caused by something else, the damage is not covered.

Who is Eligible?

Individuals who live in 246 NFIP-participating communities in Colorado are eligible to purchase flood insurance. This includes not only homeowners, but also business owners, renters and those who own condo units. A single-family residential building can be insured up to $250,000 and its contents up to $100,000.

Renters can cover belongings up to $100,000, and business property owners can insure their buildings up to $500,000 and contents up to another $500,000.

Even after a home, apartment or business has been flooded, owners and renters are still eligible to purchase flood insurance if their communities participate in the NFIP. However, this insurance will be for future rather than past damage.

Misconceptions

A common misconception is that regular homeowner and business insurance policies cover flood damage. They generally do not. Another misconception is that NFIP policies pay retroactively for flood damage. Policies generally do not take effect until 30 days after purchase.

Please also refer to floodsmart.gov for more information about flood insurance.

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Deadline for Filing NFIP Insurance Claim is 60 Days after Flood Damage

NFIP Proof of Loss Claims Due By Nov. 14

DENVER—National Flood Insurance policyholders whose homes or other structures were damaged by flooding have until November 14, 2013, to file claims for their losses.

A Proof of Loss form includes detailed estimates of the cost to replace or repair damaged property.

Proof of loss substantiates the damage claim and is required before the National Flood Insurance Program (NFIP) can make payment. File damage claims with your NFIP insurance company and work with your adjuster to get the proof of loss forms.

If owners notice additional damage to buildings or property, they can file supplemental claims. To do this, immediately notify the insurance adjuster, document the newly discovered damage, then repeat the documentation and filing process used on the original claim. Owners are urged to keep a copy of this packet.

Policy owners who would like to speak to someone in person regarding their claim are urged to go to their local Disaster Recovery Center where staff members are available to provide assistance. To find the DRC closest to you, go to fema.gov/disaster-recovery-centers

For more information about flood insurance, go to floodsmart.gov

Register with FEMA by phone: 800-621-3362 or online at: DisasterAssistance.gov. Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

People who have a speech disability or are deaf or hard of hearing may call (TTY) 800-462-7585; users of 711 or Video Relay Service can call 800-621-3362.

Register by Web-enabled device, tablet or smartphone: type m.fema.gov in the browser.

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NFIP Proof of Loss Claims Due By Nov. 14

FEMA Mitigation Team will be at the Loveland Home & Holiday Show

DENVER – FEMA Mitigation specialists will be at the Northern Colorado Home & Holiday Show offering free building advice that will last long past the holidays.

First National Bank Exhibition Hall

5280 Arena Circle

Loveland, CO 80538

This team will be in Loveland, 10 a.m. to 5 p.m., MDT, Saturday, Oct. 26 and Sunday, Oct. 27.

Homeowners, renters and business owners can use the suggestions and publications from FEMA’s Mitigation advisers to help protect their properties from severe weather along with common threats such as mold and mildew. Mitigation advice can also serve to protect electrical systems, furnaces and appliances.

The mitigation specialists will have free reference booklets in English and Spanish, including:

*  Preparing Makes Sense, Get Ready Now

*  Protecting Your Home from Flood Damage

*  Help After a Disaster

*  Mold & Mildew: Cleaning Up Your Flood-Damaged Home

Information about strengthening property can found at fema.gov/what-mitigation

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FEMA Mitigation Team will be at the Loveland Home & Holiday Show

Talk to Local Officials Before Rebuilding Your Flood-Damaged Home

DENVER– Before beginning any repair work, property owners should contact their local building officials to find out what permits are required to repair or rebuild.

Some Colorado property owners may find that September’s flood has caused substantial damage to their home or business.

Substantial damage is defined by the National Flood Insurance Program (NFIP) as a home or structure that has incurred substantial damage, is located in a special flood hazard area and the total cost of repairs is 50 percent or more of the structure’s pre-event market value.

Local building officials make the determination that substantial damage has occurred.

When local officials determine a building is located in a special flood hazard area and has substantial damage, the structure must be brought into compliance under the community’s current building ordinances and regulations. 

For more information on general flood insurance, contact your local floodplain administrator, the National Flood Insurance Program at 800-427-4661 or your local insurance agent. Information also is available at www.fema.gov and floodsmart.gov.

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Talk to Local Officials Before Rebuilding Your Flood-Damaged Home

SBA’s Colorado Disaster Loans Pass $42 million

DENVER – The U.S. Small Business Administration (SBA) has now approved more than $42 million in disaster loans to Colorado homeowners, renters, businesses of all sizes and private, nonprofit organizations.

Approved loan totals in some of the most impacted areas are currently over $27 million in Boulder County, $4.9 million in Larimer County and $6 million in Weld County.

The more than $42 million approved so far to survivors with losses from Colorado storms, flooding, landslides and mudslides breaks down this way:

  • $37.5 million in loans to repair and rebuild homes
  • $4.8 million in business and economic injury loans

Economic Injury Disaster Loans (EIDLs) are available to small businesses having difficulty meeting obligations as a result of the September severe weather and floods, as well as private nonprofits, even if property was not physically damaged.

Deferred Disaster Loan Payments

The first payment for a disaster loan is due on the fifth month from the date of the loan closing.

The deadline to apply for a SBA disaster loan is November 14, 2013 for physical damage and June 16, 2014 for Economic Injury Disaster Loans.

A simple and fast way to complete the application is online, using the SBA’s electronic loan application. Go to DisasterLoan.SBA.gov/ELA.

SBA customer service representatives are available to answer questions, explain the application process, help individuals and businesses apply for a low-interest disaster loan and close their approved disaster loans at all Colorado/FEMA disaster recovery centers and SBA business recovery centers and Disaster Loan Outreach Centers. To locate the nearest center & hours, visit sba.gov/disaster or call 800-659-2955 (TTY 800-877-8339).

Register with FEMA by phone, 800-621-3362, from 5 a.m. to 8 p.m., MDT, seven days a week.  Multilingual phone operators are available on the FEMA Helpline. Choose Option 2 for Spanish and Option 3 for other languages. People who have a speech disability or are deaf or hard of hearing may call (TTY) 800-462-7585; users of 711 or Video Relay Service can call 800-621-3362.

To find the nearest disaster recovery center, check out the DRC locator at FEMA.gov/disaster-recovery-centers. Register online:  DisasterAssistance.gov or by Web-enabled device, tablet or smartphone: type m.fema.gov in the browser.

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SBA’s Colorado Disaster Loans Pass $42 million

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