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Returning SBA Loan Application May Open Doors to More FEMA Assistance

WINDSOR, Conn. – Hurricane survivors who receive a loan application from the U.S. Small Business Administration after registering for disaster assistance from the Federal Emergency Management Agency need to complete and return it. The application deadline is Dec. 31, 2012.

While SBA’s low-interest disaster loans represent the major source of federal funding for recovery, the application itself may open the door to other FEMA grant programs. People who do not qualify for a loan may be eligible for grants to replace essential household items, replace or repair a damaged vehicle, or cover storage expenses.

“In a disaster, SBA helps individuals as well as businesses,” said Federal Coordinating Officer Albert Lewis. “No one is obligated to accept an SBA loan. If you receive a loan application, it’s important to fill it out and return it. If you don’t submit the loan application, the assistance process may stop prematurely.”

Registering with FEMA often prompts SBA to send an application for a low-interest disaster loan. The application takes little time to complete.

FEMA grants are designed to jump-start the recovery process and may not cover all damage or property loss. SBA low-interest disaster loans up to $200,000 are available to eligible homeowners to repair or replace disaster-damaged or destroyed real estate. Homeowners and renters may apply for loans up to $40,000 for personal property. Loan amounts cannot exceed uninsured losses.

Businesses and private nonprofit organizations may borrow up to $2 million to repair or replace real estate, machinery and equipment, inventory and other business assets.

Recovery officials note several reasons for completing the application. For instance:

An insurance settlement may fall short. A survivor may be underinsured for the amount of work needed to repair or replace a structure. An SBA low-interest disaster loan can cover the cost. Survivors are encouraged not to miss the filing deadline by waiting for an insurance settlement. A settlement can be used toward the loan.
SBA can offer a loan that fits an applicant’s budget. SBA specialists can help with an affordable low-interest loan. In some cases, SBA can refinance all or part of an existing mortgage.
SBA can help renters replace household contents and vehicles. Renters and homeowners may borrow up to $40,000 to repair or replace clothing, furniture, cars or appliances damaged or destroyed in the hurricane.

Applications can be downloaded from www.sba.gov. For more information, call the SBA’s toll-free line at 800-659-2955. If you use TTY, call 800-877-8339. Homeowners and renters who want to apply online can visit SBA’s secure website at https://disasterloan.sba.gov/ela/.

People with storm losses who still need to register with FEMA can register anytime online at www.DisasterAssistance.gov, or with a smartphone or device at m.fema.gov. Survivors can also register by phone anytime day or night by calling FEMA at 800-621-3362. People who use TTY can call 800-462-7585. Multilingual operators are available. The deadline to register is Dec. 31, 2012.

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-3362. For TTY, call 800-462-7585.

The U.S. Small Business Administration (SBA) is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps homeowners, renters, businesses of all sizes, and private nonprofit organizations fund repairs or rebuilding efforts, and covers 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.

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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Returning SBA Loan Application May Open Doors to More FEMA Assistance

Federal Aid Programs for the State of Delaware Declaration

Main Content

Release date:

November 16, 2012

Release Number:

HQ-12-148Factsheet

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 Delaware.

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

Payment of not less than 75 percent of the eligible costs for removing debris from public areas and for emergency measures, including direct federal assistance, taken to save lives and protect property and public health. (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 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 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.

Last Updated:

November 17, 2012 – 15:42

State or Region:

Delaware

and

Region III

Related Disaster:

Delaware Hurricane Sandy

Original link:

Federal Aid Programs for the State of Delaware Declaration

Telephone Hotline For New Jersey Disaster Legal Services

TRENTON, N.J.– A toll-free hotline, 1-888-541-1900, is now available for New Jersey survivors facing legal issues because of Hurricane Sandy. Disaster survivors with storm-related legal issues can call the hotline to request free legal assistance.

The office will be staffed from 9 a.m. to 5 p.m., Monday through Friday by members of the Young Lawyers Division of the New Jersey Bar Association. Voice messages can be left when the office is not staffed.

The type of legal assistance available includes:

Assistance with replacing legal documents that may have been lost due to flooding.
Assistance with life, medical and property insurance-related claims.
Assistance in consumer protection matters, remedies, and procedures.
Counseling on mortgage-foreclosure problems.
Counseling on landlord/tenant problems.
Creditor-debtor matters.
FEMA appeals.

Callers will be interviewed to determine what help they need and then will be matched with a volunteer attorney who can provide assistance or general legal information regarding their issue.

When calling, survivors should make clear that they are seeking legal assistance related to Hurricane Sandy.

The hotline is part of a long-standing partnership between FEMA and the American Bar Association.

Follow FEMA online at www.fema.gov/blog, www.twitter.com/fema, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at www.twitter.com/craigatfema.

The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

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Telephone Hotline For New Jersey Disaster Legal Services

President Declares Disaster for Delaware

WASHINGTON, D.C. — The U.S. Department of Homeland Security’s Federal Emergency Management Agency announced that federal disaster aid has been made available to the State of Delaware to supplement state and local recovery efforts in the area affected by Hurricane Sandy during the period of October 27 to November 8, 2012.

The President’s action makes federal funding available to state and eligible local governments and certain private nonprofit organizations on a cost-sharing basis for emergency work and the repair or replacement of facilities damaged by Hurricane Sandy in Kent, New Castle, and Sussex Counties.

Federal funding is also available on a cost-sharing basis for hazard mitigation measures statewide.

Jack Schuback has been named as the Federal Coordinating Officer for federal recovery operations in the affected area. Schuback said additional designations may be made at a later date if requested by the state and warranted by the results of further damage assessments.

Follow FEMA online at blog.fema.gov, www.twitter.com/fema, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at www.twitter.com/craigatfema.

The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

Link –

President Declares Disaster for Delaware

FEMA Extends Transitional Sheltering Assistance Program in New York

NEW YORK — The Federal Emergency Management Agency (FEMA), at the request of the state of New York, has approved a 30-day extension to the Transitional Sheltering Assistance (TSA) program. The program allows FEMA applicants whose homes were damaged by Hurricane Sandy, to stay in hotels or motels. This temporary emergency program is intended to help applicants whose homes are uninhabitable, until more suitable housing accommodations are available.

“We know that some survivors in hard-hit areas are facing critical challenges to getting back into their homes,” said Federal Coordinating Officer Michael F. Byrne. “We are working in close coordination with our state and local partners to do all we can to speed that process. Until that day, the TSA extension will offer eligible survivors some relief.”

The program, which began November 3, was originally scheduled to expire on November 16 with a checkout on November 17. The program now runs through December 14, in two successive intervals, with checkout dates of December 1, 2012, and December15, 2012.

New Yorkers can register for FEMA assistance online at www.disasterassistance.gov or via smart phone on m.fema.gov. Applicants may also call 1-800-621-FEMA (3362) or (TTY) 1-800-462-7585. Survivors who use 711-Relay or Video Relay Services (VRS), call 1-800-621-3362. The toll-free telephone numbers will operate 24 hours a day, seven days a week until further notice.

FEMA has a toll-free number to help New Yorkers eligible for Transitional Sheltering Assistance find a hotel. The phone number is 866-863-8673 or (TTY) 1-800-462-7585; phone lines are open from 8:00 a.m. to 10:00 p.m., seven days a week. New Yorkers who need accessible transportation assistance from the shelter they are currently in to the hotel where they will be staying should identify that need to operators at 866-863-8673 or (TTY) 1-800-462-7585. New Yorkers can also go online at http://femaevachotels.com/ to find participating hotels.

Meals, telephone calls and other incidental charges are not covered. Applicants are responsible for any lodging costs above the authorized allowance. The program does not reimburse previously incurred hotel expenses.

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FEMA Extends Transitional Sheltering Assistance Program in New York

St. Tammany Parish Disaster Recovery Center Transitions to SBA Loan Center on Monday

BATON ROUGE, La. — To continue serving Louisianians affected by Hurricane Isaac, the State/FEMA Disaster Recovery Center in Slidell is transitioning Monday, Nov. 19, to a U.S. Small Business Administration (SBA) Disaster Loan Outreach Center (DLOC).

SBA representatives at the DLOC will answer questions, explain the application process and help survivors apply for low-interest disaster loans.

The center is located at:

2056 2^nd St.

Slidell, LA 70458

DLOC hours are: 9 a.m. to 5 p.m. Monday through Friday. They are closed Thursday, Nov. 22, and Friday, Nov. 23, in observance of the Thanksgiving holiday.

Survivors are encouraged to register with FEMA before visiting a DLOC. They may register online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. They may also call 1-800-621-3362 or (TTY) 1-800-462-7585. Those who use 711 Relay or Video Relay Services may call 1-800-621-3362. The toll-free telephone numbers operate from 7 a.m. to 10 p.m. seven days a week.

For SBA information or to apply online, visit www.sba.gov or call 1-800-659-2955. Individuals who are deaf or hard of hearing may call 1-800-877-8339.

For more information on Louisiana disaster recovery, visit online at www.fema.gov/disaster/4080 or www.gohsep.la.gov. You can follow us on Twitter at twitter.com/femaregion6 or on Facebook at www.facebook.com/FEMA. Also visit our blog at www.fema.gov/blog.

SBA is the federal government’s primary source of funding for the long-term rebuilding of disaster-damaged private property. SBA helps homeowners, renters, businesses of all sizes, and private non-profit organizations fund repairs or rebuilding efforts, and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover uninsured and uncompensated losses and do not duplicate benefits of other agencies or organizations. For information about SBA programs, applicants may call 800-659-2955 (TTY 800-877-8339).

Source –

St. Tammany Parish Disaster Recovery Center Transitions to SBA Loan Center on Monday

FEMA Mississippi Operations Transfer from Clinton to Biloxi

CLINTON, Miss. – The Mississippi Emergency Management Agency/FEMA Joint Field Office and Operations Center will transfer to the Mississippi Recovery Office location in Biloxi on Nov. 21, and operate as a processing center.

The Clinton joint field office served as a hub for disaster operations following the landfall of Hurricane Isaac in Mississippi Aug. 28. The Biloxi recovery office was established in 2005 following Hurricane Katrina.

Before Isaac made landfall on the Gulf Coast, FEMA disaster personnel from across the country were on the ground to partner with the state to help individuals and communities.

At the height of response operations more than 800 FEMA personnel from every state, plus Canada, the Virgin Islands and Puerto Rico became part of the emergency response effort to support local and state emergency management. The staff included more than 60 Mississippians.

“The workforce we have brought here is an invaluable asset to Mississippi’s recovery,” said Federal Coordinating Officer Terry Quarles. “We’re lucky to have a diverse group, including many Mississippians, all of whom possess a unique set of skills to help this state as it recovers from
Hurricane Isaac.”

Disaster personnel at the Clinton facility supported three recovery programs: Individual Assistance, Hazard Mitigation and Public Assistance.

The programs help Mississippi disaster survivors and communities recover from Hurricane Isaac, as well as ensure they are better prepared for future disasters.

Disaster personnel do more than assist in the state’s recovery. FEMA personnel also contribute to the local economy by occupying hotel rooms, eating at restaurants and shopping in stores.

More than 40 FEMA Corps volunteers also have contributed to the disaster response effort in Mississippi. FEMA Corps is part of a new program within AmeriCorps’ National Civilian Community Corps. These members are devoted solely to disaster response and recovery efforts.

Nearly 50 volunteer agencies and faith-based groups also contributed significantly to the recovery. Hard-hit individuals and families have benefitted from debris cleanup teams, chainsaw crews, tree removal, home repairs and other essential recovery services that have been provided for free.

As FEMA transitions the Clinton Joint Field Office, Mississippians should know that help is only a phone call or internet link away and the agency will continue to assist residents through to a full recovery.

To reach FEMA:

Go online at DisasterAssistance.gov.
Visit m.fema.gov from a Smartphone.
Dial 800-621-3362 or (TTY) 800-462-7585.
For those who use 711 Relay or Video Relay Services, call 800-621-3362.

The toll-free numbers are open from 7 a.m. to 10 p.m. daily.

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FEMA Mississippi Operations Transfer from Clinton to Biloxi

Beware of Scams After Hurricane Sandy

TRENTON, N.J. — Disaster recovery officials caution New Jersey residents to be on the alert for scam artists using old and new tricks to obtain vital information or take advantage of storm-weary survivors.

Be aware of the following scams used by con artists after a disaster:

Identity Theft

People may pretend to be employed by the Federal Emergency Management Agency (FEMA) or other government agencies, such as the U.S. Small Business Administration (SBA) or public utilities. By going door-to-door to storm-damaged homes, or by phone or on the internet, con artists may try to obtain personal information such as Social Security and bank account numbers.

Remember:

A FEMA or SBA shirt or jacket is not absolute proof of someone’s affiliation with these agencies. All authorized FEMA or SBA personnel display a laminated photo identification card, which they are required to wear at all times;

FEMA will request personal information only when the applicant first contacts FEMA. Survivors of Hurricane Sandy can register with FEMA in any of the following ways:

Online any time at www.DisasterAssistance.gov or by web-enabled mobile device at m.fema.gov
By phone at 800-621-FEMA (3362) from 7 a.m. to 10 p.m. daily
By 711 or Video Relay Service (VRS) at 800-621-3361 or (TTY) 800-462-758.

On any follow-up calls, a FEMA representative would ask only for the last four digits of the applicant’s social security number.

False Payment or Bribe

Imposters may ask for some form of service payment, or bribe – something no FEMA, SBA or federal agency employee should ever do. FEMA-contracted housing inspectors assess damage but do not determine cost estimates. FEMA does not hire or endorse specific contractors to fix homes or recommend repairs.

Con artists may pose as insurance specialists or expeditors, claiming they can convince FEMA to increase home repair damage aid or the insurer to pay a larger settlement. The scammers ask the applicant or policyholder to sign a contract giving them a percentage of the “increased” payment. The essence of the con is to take a percentage of the damage grant or policy settlement that would be given anyway. FEMA always deals directly with each applicant and is always willing to consider an appeal by sending a new inspector to review damaged property or claimed losses.

Home Repair Scams

Unregistered home improvement contractors may take the disaster survivor’s money and disappear, leaving unfinished work and unsafe homes. Before hiring a contractor, the survivor should check with the New Jersey Division of Consumer Affairs at 800-242-5846 to make sure the contractor is registered, as well as ask for a copy of the contractor’s liability insurance and verify the policy is valid. All contracts should be in writing, and reviewed before being signed. Full payment should not be made until the work is completed.

The local police department should be notified of suspected fraud.

Price Gouging

Excessive price increases are illegal. Check with the New Jersey Consumer Affairs office at www.NJConsumerAffairs.gov or call 800-242-5846 if you suspect the prices are too high.

Charity Scams

Before donating, people should investigate to be sure the organization asking for donations is registered to solicit in New Jersey and ask how the money will be used.

For other questions, New Jersey residents can contact the New Jersey Consumer Affairs office at www.NJConsumerAffairs.gov or by calling 800-242-5846.

Follow FEMA online at www.fema.gov/blog, www.twitter.com/fema, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at www.twitter.com/craigatfema.

The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

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Beware of Scams After Hurricane Sandy

All New Jersey Residents and Governments Now Eligible for Federal Disaster Assistance

TRENTON, N.J. — The full range of federal disaster assistance is now available for all 21 counties in New Jersey.

Expansion of federal help in recovering from Hurricane Sandy means that all New Jersey residents who have losses may apply for Individual Assistance. Depending on damage, help may be available to repair a dwelling to a basic safe, sanitary, livable condition. Cost of temporary lodging elsewhere may be available if the residence is inaccessible. Other needs that may be covered could include basic appliances, clothing, bedding and transportation.

Disaster Unemployment Assistance benefits are available for those whose jobs were impacted by the hurricane. That includes people not normally eligible for unemployment benefits, such as self-employed persons and farm workers.

County and local governments will be eligible for at least 75 percent federal funding for hurricane-related emergency costs and debris removal from public roads and property, plus repair or replacement of a wide variety of public facilities. Those include public roads and bridges, water control facilities, buildings and equipment, public utilities, public parks, public recreation facilities and other public facilities.

Also eligible are certain private non-profit organizations that perform governmental-like public services.

Funding to prevent damage from future events also is available throughout New Jersey from the state-administered Hazard Mitigation Grant program.

Those who suffered hurricane damage may register with FEMA online at www.disasterassistance.gov or via web-enabled cellphone or mobile device at m.fema.gov. Applicants may also call 800-621-FEMA (3362) or TTY 800-462-7585. Users of 711-Relay or Video Relay Services (VRS) should call 800-621-3362. The toll-free telephone numbers will operate 24 hours a day, seven days a week until further notice.

Follow FEMA online at www.fema.gov/blog, www.twitter.com/fema, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at www.twitter.com/craigatfema.

The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

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All New Jersey Residents and Governments Now Eligible for Federal Disaster Assistance

New Disaster Recovery Centers Now Open in Mercer, Burlington, Hunterdon, Warren, Sussex and Monmouth Counties

TRENTON, N.J. — New Jersey residents who were affected by Hurricane Sandy can now visit six newly-opened Disaster Recovery Centers (DRCs) if they have questions about recovery programs. Twenty-two DRCs across impacted areas are currently open daily from 8 a.m. until 8 p.m. – with the exception of one in Hoboken operating 8 a.m. to 5 p.m. To serve the needs of those impacted by Hurricane Sandy, all centers are open until further notice including Veteran’s Day.

Before going to a DRC, it is helpful to register with FEMA. Apply for assistance by registering online at www.DisasterAssistance.gov, by web-enabled mobile device at m.fema.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.

DRCs are set up for residents to be able to speak one-on-one to recovery representatives, but it is not necessary to visit a center to receive disaster assistance.

FEMA program specialists are available to provide registration and other information, and to answer questions at the centers. These include mitigation specialists who can provide guidance on cost-effective rebuilding and repair techniques to reduce property damage in future disasters.

In addition to FEMA program specialists, customer service representatives from the U.S. Small Business Administration (SBA) are available to answer questions about the SBA low-interest disaster loan program, and to assist with disaster loan applications.

New DRC locations are:

Mercer County

Mercer County Community College

1200 Old Trenton Road

West Windsor, NJ 08550

Burlington County

Burlington Center Mall

2501 Burlington – Mount Holly Road

Suite 215

Burlington, NJ 08016

Hunterdon County

Hunterdon County

Department of Public Safety Annex

77 Park Ave.

Flemington, NJ 08822

Warren County

Franklin Township Municipal Building

2093 Route 57

Broadway, NJ 08808

Sussex County

Sussex County Community College

1 College Hill Road

Newton, NJ 07860

Monmouth County

Belmar Municipal Building

601 Main St.

Belmar, NJ 07719

DRC locations change frequently. The closest open offices can be found online at http://asd.fema.gov/inter/locator/home.htm. An alternative is to go to www.fema.gov and search for DRC locator.

An applicant may go to any DRC, even if it is located in another state. Once an application has been made, a FEMA registration number is given to the file. It can be accessed nationally.

Other DRCs open 8 a.m. to 8 p.m. in New Jersey are located in:

Atlantic County Bergen County

Atlantic City Convention Center Bergen County Plaza

1 Convention Blvd., Room 201 1 Bergen Plaza, 4^th Floor

Atlantic City, N.J. 08401 Hackensack, N.J. 07652

Cape May County Cumberland County

Cape May Courthouse Public Library Emergency Management Agency Office

30 Mechanics St. 637 Bridgeton Ave., Lower Level

Cape May Courthouse, N.J. 08210 Bridgeton, N.J. 08302

Gloucester County Hudson County

Government Services Building Jersey City Museum

1200 North Delsea Dr. 350 Montgomery St.

Clayton, NJ 08312 Jersey City, NJ 07302

Hudson County – special hours 8a.m to 5p.m.

adjacent to Police Department

59 Washington St.

Hoboken, N.J. 07030

Middlesex County Monmouth County

Sayreville Senior Center Henry Hudson Trail Activity Center

423 Main St. 945 Hwy. 36, Atlantic Highlands

Sayreville, NJ 08872 Leonardo, N.J. 07737

Monmouth County Morris County

Union Beach Municipal Building Morris Plains Community Center

650 Poole Ave. 51 Jim Fear Dr.

Union Beach, NJ 07735 Morris Plains, NJ 07950

Ocean County Passaic County

Brick Township Civic Center Passaic County Department of Health

270 Chambers Bridge Rd. 317 Pennsylvania Ave.

Brick, NJ 08723 Patterson, NJ 07503

Salem County Somerset County

Penns Grove EMS Building Somerset County Human Services

25 East Griffith St. 27 Warren St.

Penns Grove, NJ 08069 Somerville, NJ 08876

Union County

Chisholm School Community Center

100 S. Springfield Ave.

Springfield, NJ 07081

SBA Business Recovery Centers (BRCs)

SBA Customer Service Representatives are also available provide one-on-one help to business owners seeking disaster assistance for losses at Business Recovery Centers (BRCs) at the following locations, until further notice:

Ocean County

Southern Ocean County Chamber of Commerce

Stafford Heritage Park Train Station and Rail Car

(Across from Manahawkin Lake between RT 9 and RT 72)

West Bay Avenue

Manahawkin, NJ 08050

Hours: Monday – Sunday from 10 a.m. to 6 p.m., until further notice

Bergen County Essex County

Bergen Community College Rutgers University

Small Business Development Center Small Business Development Center

355 Main Street, Room 121 25 James Street

Hackensack, NJ 07601 Newark, NJ 07102

Hours: 9 a.m. to 5 p.m. Mon- Fri Hours: 9 a.m. to 5 p.m. Mon-Fri

Follow FEMA online at www.fema.gov/blog, www.twitter.com/fema, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at www.twitter.com/craigatfema.

The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

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New Disaster Recovery Centers Now Open in Mercer, Burlington, Hunterdon, Warren, Sussex and Monmouth Counties

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