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Did You Receive HUD Rental Assistance Before the Flood? You May Still Get FEMA Help

BATON ROUGE, La. – You may be able to get FEMA help even if you were receiving U.S Department of Housing and Urban Development (HUD) rental assistance before you were displaced from your home by Louisiana’s recent severe storms and floods.

You can apply for FEMA help even if you were receiving any of the following types of rental assistance and your home is uninhabitable:

Living in HUD-assisted public housing.
Living in a privately-owned apartment that provides rental assistance from HUD.
Living in a private home using a Section 8 Housing Choice Voucher from a housing authority.

Here is some FEMA assistance you may receive if you’re eligible:

Temporary assistance to pay for a place for you and your family to live.
Grants to replace essential contents—such as clothing and essential household items—and medical, dental and burial expenses.

Those who have HUD rental assistance may receive FEMA help to pay for a place to live until:

You relocate back to public housing;
You relocate back to the private housing that provides HUD assistance; or
You sign a lease with a private property owner using a Section 8 voucher.

The first step to be considered for FEMA help is to apply. There are three ways:

Log onto DisasterAssistance.gov with any computer, smartphone or tablet.
Download and use the FEMA app. You can also use the app to check the status of your application.
If you cannot access the website or FEMA app, call the FEMA helpline at 800-621-3362. If you use TTY, call 800-462-7585. If you use 711 or Video Relay Service (VRS), call 800-621-3362.

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We urge everyone to continue to use caution in areas where floodwaters remain. Monitor DOTD’s www.511la.org website for updated road closure information. Look for advisories from your local authorities and emergency managers. You can find the latest information on the state’s response at www.emergency.la.gov. GOHSEP also provides information on Facebook and Twitter. You can receive emergency alerts on most smartphones and tablets by downloading the new Alert FM App. It is free for basic service. You can also download the Louisiana Emergency Preparedness Guide and find other information at www.getagameplan.org.

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-FEMA (3362). For TTY call 800-462-7585.

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. Follow us on Twitter at https://twitter.com/femaregion6 and the FEMA Blog at http://blog.fema.gov.

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 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 SBA.gov/disaster Deaf and hard-of-hearing individuals may call (800) 877-8339.

Original article –

Did You Receive HUD Rental Assistance Before the Flood? You May Still Get FEMA Help

Texans Who Filed Insurance Claims for May-June Storm Damage Should Register With FEMA

AUSTIN, Texas – If you are among the thousands of Texans who filed insurance claims for damage related to the May 4 to June 22 storms, you may be eligible for additional state-federal assistance. The key is to register with FEMA before the Aug. 27 deadline. Filing a claim under FEMA’s National Flood Insurance Program is different than registering for a FEMA disaster assistance grant.

FEMA may be able to help you with uninsured or underinsured losses or if your insurance settlement is delayed. Be sure to document your situation and gather insurance company documents that can be included when you talk with FEMA after registering.

Have you received the maximum settlement from your insurance and still have unmet disaster-related needs? You may be eligible for a grant.

For example, if you have exhausted the maximum settlement from your insurance for Additional Living Expenses (ALE for loss of use) and still need help from FEMA with temporary housing, you should document your need and assemble paperwork that shows use of ALE from insurance.

While FEMA cannot duplicate benefits covered by your insurance or other sources, you may also be eligible for emergency home repairs, disaster-related medical, dental and funeral costs and other disaster-related expenses.

Has a decision on your insurance settlement been delayed longer than 30 days from the time you filed your claim? Be sure to let FEMA know and have ready any documents from your insurance company to show that you filed a claim. If the claim was filed over the telephone, include the claim number, date applied, and an estimate of how long it will take for you to receive your settlement. Any help from FEMA would be considered an advance and would have to be repaid to FEMA when your insurance settlement is received.

You can apply for FEMA assistance online at www.DisasterAssistance.gov or by calling 800-621-3362 toll free from 7 a.m. to 10 p.m. (local time) daily until further notice. Multilingual operators are available.

Disaster assistance applicants who have a speech disability or hearing loss and use TTY should call 800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 800-621-3362.

Applying for an SBA low-interest disaster loan is part of federal disaster assistance. Many people who apply to FEMA are automatically referred for a low-interest disaster assistance loan. Survivors should complete SBA loan applications so they can be considered for all available disaster assistance.

For more information on Texas recovery, visit the disaster web page at www.fema.gov/disaster/4223, Twitter at www.twitter.com/femaregion6, and the Texas Division of Emergency Management website, www.txdps.state.tx.us/dem.

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All FEMA disaster assistance will be provided without discrimination on the grounds of race, color, sex (including sexual harassment), religion, national origin, age, disability, limited English proficiency, economic status, or retaliation. If you believe your civil rights are being violated, call 800-621-3362 or 800-462-7585(TTY/TDD).

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.

FEMA’s temporary housing assistance and grants for childcare, medical, dental expenses and/or funeral expenses do not require individuals to apply for an SBA loan. However, those who receive SBA loan applications must submit them to SBA to be eligible for assistance that covers personal property, transportation, vehicle repair or replacement, and moving and storage expenses.

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Texans Who Filed Insurance Claims for May-June Storm Damage Should Register With FEMA

Resources Available For Sandy Survivors

LINCROFT, N.J. — When Superstorm Sandy struck and thousands of New Jersey residents were left looking for assistance, public agencies and private entities created resources and programs designed to help them. Nearly 18 months after the storm, the status and scope of these programs have changed, but many of them are still active and available.

Survivors facing urgent safety issues should call 911 or the New Jersey Emergency Response Hotline (800-JERSEY-7). The hotline’s backup numbers are 609-775-5236 and 908-303-0471.

For non-emergency issues and updated news and bulletins, survivors can call the New Jersey 2-1-1 help line or visit www.nj211.org. For emergency-related news, they can also follow @nj211 on Twitter.

FEMA

The Federal Emergency Management Agency’s website, www.fema.gov/sandy, has the latest news and information on the disaster in New Jersey. Also, ‘like’ the FEMA Facebook page, and/or follow @FEMASandy on Twitter. www.DisasterAssistance.gov has links to community resources, government directories and alerts.

NEW JERSEY STATE SITUATIONAL AWARENESS

The New Jersey Office of Emergency Management’s website, www.ready.nj.gov, contains links to the Department of Community Affairs’ Block Grant plan and the state Public Assistance program. Search facebook.com/READYNEW JERSEY on Facebook to find the OEM’s page, and @ReadyNJ on Twitter for news update. The NJOEM also published a blog, which can be accessed at http://readynj.wordpress.com/

The New Jersey State Police can be found at www.njsp.org; @NJSP on Twitter; and at “New Jersey State Police” on Facebook.

FOOD ASSISTANCE

End Hunger NJ (www.endhungernj.org) has a statewide food bank database.

Community Food Bank of New Jersey: www.cfbnj.org; “Food Bank of NJ” on Facebook; @CFBNJ on Twitter.

Food Bank of Monmouth and Ocean Counties: 732-918-2600; www.foodbankmoc.org; “foodbankmoc” on Facebook.

Food Bank of South Jersey: www.foodbanksj.org; “Food Bank of South Jersey” on Facebook; @foodbankSJ on Twitter.

Ocean City, New Jersey C.A.R.E. Project: 855-622-2730; www.ocnjcare.org; “OCNJCARE” on Facebook.

GENERAL HEALTH AND WELFARE

The Department of Health and Human Services has a Hurricane Sandy Recovery Page: www.phe.gov/emergency/events/sandy/Pages/default.aspx. Search for “State of New Jersey EMS Taskforce” on Facebook, and @NJEMSTF on Twitter.

The Centers for Disease Control and Prevention has a page for hurricane preparedness and response at: www.bt.cdc.gov/disasters/hurricanes. Search for “CDC” on Facebook and follow @CDCEmergency on Twitter.

The Occupational Safety and Health Administration (OSHA) has a hotline accessible by calling 800-321-OSHA (6742). www.osha.gov/sandy has information on keeping workers safe during recovery and cleanup operations.

The Jersey Coast Chapter of the American Red Cross has its own website at: www.redcross.org/nj/tinton-falls. Follow “Red Cross” on Facebook and @RedCross on Twitter.

MENTAL HEALTH SERVICES

The New Jersey Directory of Mental Health Services is online at www.state.nj.us/humanservices/dmhs/news/publications/mhs in three parts.

For children/youth services through the State of New Jersey’s Department of Children and Families, visit www.nj.gov/dcf/families/csc or call 877-652-7624 for questions or to apply for services for developmentally disabled children.

New Jersey Mental Health Cares (www.njmentalhealthcares.org) has updated listings of public mental health providers in the state. Call hotline at 877-294-HELP (4357).

CHILDREN

The non-profit New Jersey Association of Child Care Resources and Referral Agencies is an organization representing child care groups serving New Jersey. Call the hotline at 800-332-9227; visit www.njaccrra.org; or find and like “NJ Association of Child Care Resource and Referral Agencies” on Facebook.

Contact the state Department of Education at 609-292-2070 if you have not been able to enroll your child in school in the town where you are currently living or if you have not been able to return to your home school district.

SENIOR CITIZENS

The Division of Aging Services administers federal and state-run services for senior citizens. It also oversees the 21 Area Agencies of Aging in each county in the state, which develop coordinated community-based systems. Call 877-222-3737 or www.state.nj.us/humanservices/doas/home.

AARP: www.aarp.org; “AARP” on Facebook, @AARP on Twitter.

The Center for Medicare and Medicaid services provides up-to-date information about natural disasters, extreme weather and emergencies for those with Medicare and Medicaid. http://www.cms.gov/About-CMS/Agency-Information/Emergency/index.html

PERSONS WITH DISABILITIES OR ACCESS AND FUNCTIONAL NEEDS

The State of New Jersey has several agencies that deal with different groups of people who are disabled or have access and functional needs:

Commission for the Blind and Visually Impaired: Call 877-685-8878 or visit www.state.nj.us/humanservices/cbvi/home.

Division of the Deaf and Hard of Hearing: Call 800-792-8339 or visit http://nj.gov/humanservices/ddhh/home.

The Division of Developmental Disabilities places its main focus on people with mental disabilities, including conditions such as cerebral palsy, autism, epilepsy, and spina bifida, as well as those who have suffered traumatic brain injuries: Call 800-832-9173 or visit http://nj.gov/humanservices/ddd/home for updated information on programs and to apply for assistance.

The Division of Disability Services focuses on people who became disabled as adults. Call 888-285-3036 or visit http://nj.gov/humanservices/dds/home.

Good Neighbors, Community Living For People with Disabilities is the New Jersey Department of Human Services’ public education program. Call 877-DHS-LINE (347-5463) or visit http://www.nj.gov/humanservices/clients/disability/goodneighbors/ for program information.

The New Jersey Statewide Independent Living Council is a separate entity under the New Jersey Department of Labor. It has locations serving all 21 counties in New Jersey and the cities of Camden and Newark. Visit www.njsilc.org to find contact information for a CIL (Center for Independent Living) near you.

The New Jersey Group for Access and Integration Needs in Emergencies and Disasters (NJ GAINED) is an advisory board to the New Jersey Office of Emergency Management and to the New Jersey Office of Homeland Security and Preparedness. Call 609-963-6818 or visit www.state.nj.us/njoem/plan/special-needs-njsnap.html for information on NJ GAINED projects and the organization’s strategic plan.

ENVIRONMENTAL HEALTH

The National Institute of Environmental Health Sciences provides documents and resources in English, Spanish and Vietnamese that address emergency preparedness in hurricane and flood situations. Links are at http://tools.niehs.nih.gov/wetp/index.cfm?id=2472.

The New Jersey Department of Environmental Protection has a Sandy Resources page (http://www.state.nj.us/dep/special/hurricane-sandy) with fact sheets and information on the buyout program, home elevations and beach replenishments.

The Environmental Protection Agency has a Sandy section on its website: www.epa.gov/sandy. Find “EPA” on Facebook, follow @EPAgov on Twitter or call 888-283-7626.

LEGAL SERVICES

Legal Services of New Jersey (www.lsnj.org) provides free civil legal assistance to low-income New Jersey residents. They have a special New Jersey Hurricane Sandy Hotline at 888-222-5765.

VOLUNTEER SERVICES

Middlesex, Monmouth, Ocean, Hudson, Cumberland, Bergen and Union counties have established Voluntary Organizations Active in Disaster (VOAD), which is an organization of volunteer groups, and/or Long Term Recovery Committees (LTRC), which coordinate volunteer and private sector efforts to help residents recover from disasters.

http://www.fema.gov/disaster/4086/updates/sandy-one-year-later

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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Resources Available For Sandy Survivors

Grundy County Tornado Survivors Urged to Register with FEMA

SPRINGFIELD, IL – FEMA urges people in Grundy County who sustained damage during the Nov. 17 tornadoes to register for federal disaster assistance before the Jan. 27 deadline even if they have insurance coverage. Assistance will continue after Jan. 27, but applicants must register by that date to be considered.

Some Grundy County storm survivors may think they will not qualify for federal assistance because they have insurance. This is not necessarily the case. They may still be eligible for assistance in the form of grants from FEMA, which do not have to be paid back, and low-interest disaster loans from the U.S. Small Business Administration.

By registering with FEMA, survivors may be eligible for assistance to help cover unexpected, uncovered expenses. For instance, an insurance settlement could be delayed and help is needed to cover rental assistance. Or there could be a delay in moving back into a damaged home, exhausting the Additional Living Expenses provided by insurance. Survivors could also identify additional damage to their home not covered by their insurance policy.

There are three easy ways to register:

Online: go to DisasterAssistance.gov.
With a smartphone or tablet: download the FEMA app or go to m.fema.gov.
By phone: call the FEMA helpline, 800-621-FEMA (3362). People who are deaf or hard of hearing and use a TTY may call 800-462-7585. The toll-free lines are open 7 a.m. to 10 p.m. local time, seven days a week. Assistance is available in many languages.

By registering before the deadline, applicants may be eligible for assistance with: temporary housing, home repairs, and other serious disaster-related expenses not covered by insurance.

In addition to registering with FEMA, survivors with insurance need to submit their insurance settlement documentation once they receive it. Sending an insurance declaration page is not sufficient. If there are questions on how to obtain this document, applicants should contact their insurance company, or call the FEMA helpline.

Next to insurance, low-interest disaster loans from SBA is the primary funding source for real estate property repairs and replacing lost contents following a disaster like a tornado.

Homeowners may be eligible for low-interest loans of up to $200,000 to repair or rebuild their homes. Homeowners and renters may be eligible to borrow up to $40,000 to repair or replace personal property, including automobiles damaged or destroyed in the disaster.

Applicants should not wait on an insurance settlement before returning the SBA low-interest disaster loan application. Insurance may not pay for all of the storm-related damage. Survivors can begin their recovery immediately with an SBA disaster loan. The loan balance will be reduced by their insurance settlement.

Applicants can complete the disaster loan application online at https://disasterloan.sba.gov/ela. Questions can be answered by calling the SBA customer service center at 800-659-2955. People who are deaf or hard of hearing and use a TTY can call 800-877-8339. More information is available at sba.gov.

For the latest information on Illinois’ recovery from the Nov. 17 storms, visit FEMA.gov/Disaster/4157. Follow FEMA online at twitter.com/femaregion5, facebook.com/fema and youtube.com/fema.

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. 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-FEMA (3362). For TTY call 800-462-7585.

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).

FEMA News Desk: 217-522-2080

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Grundy County Tornado Survivors Urged to Register with FEMA

Register with FEMA even if you registered with other agencies

NEW YORK – Since Hurricane Sandy impacted New York State, voluntary agencies and community- and faith-based groups have been working hand-in-hand with New Yorkers to help meet their needs — and some agencies may have asked survivors to register with them.

But the Federal Emergency Management Agency is reminding survivors to register with FEMA if they are seeking federal disaster grants or loans.

“We often find that people think they are registered with FEMA after they have contacted their county emergency managers, disaster-relief organizations, or local community- or faith-based organizations, but they are not,” said Michael F. Byrne, FEMA’s federal coordinating officer. “The only way we can get federal assistance to eligible survivors is if they are registered with FEMA.”

This means you should register with FEMA even if you have contacted New York 2-1-1, the American Red Cross or any other agency or local organization. Only a FEMA registration will open the way for possible federal grants and loans.

“Sometimes survivors mistakenly think they are not eligible for federal or state assistance, but when we review their applications we find they are,” Byrne said. “That’s why it’s so important that they register.”

That means register with FEMA, even if:

You have insurance. FEMA may be able to provide additional assistance or help with other needs not covered by insurance. FEMA cannot duplicate insurance payments, but underinsured applicants may receive help after their insurance claims have been settled.
- You used all the rent money that your insurance company provided under Alternative Living Expenses coverage and your home is not ready for occupancy.
- Your insurance does not include Alternative Living Expenses.
- Your insurance settlement for Hurricane Sandy has not arrived.
Your home is still inaccessible. Register. If a housing inspection is warranted, we’ll assign an inspector as soon as possible.
You are a renter. Renters may be eligible for temporary housing or other needs assistance.
You think you may not be eligible. Let our specialists work with you to help determine whether FEMA might be able to provide some form of assistance.
You only had minor damage. It’s hard to know the full extent of the damage. Go ahead and register.

Survivors have until Jan. 28, 2013 to register for FEMA assistance.

Registration is easy through any of FEMA’s registration portals: Register online at www.DisasterAssistance.gov, via smartphone or tablet, go to m.fema.gov or download the FEMA app. Call 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 telephone numbers operate 24 hours a day, seven days a week until further notice.

A FEMA Language Assistance Line is available for those who need interpretation services in languages other than English or Spanish. Call: 866-333-1796.

Survivors can also visit any one of the Disaster Recovery Centers now open in many of the disaster-designated counties. To find the DRC nearest you, the following options are available: Text DRC and a Zip Code to 43362 (4FEMA), and a text message will be sent back with the address or visit www.fema.gov/disaster-recovery-centers.

Disaster assistance for individuals may include grants to help pay for temporary housing and emergency home repairs to make a home habitable. Survivors could also be eligible for grants for serious disaster-related expenses not covered by insurance or low-interest disaster loans from the U.S. Small Business Administration.

For more information on New York’s disaster recovery, visit www.fema.gov/SandyNY, www.twitter.com/FEMASandy, www.facebook.com/FEMASandy and www.fema.gov/blog.

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If Insurance Is Slow, Talk With FEMA

TRENTON, N.J. — If your house is not livable and you have insurance, the Federal Emergency Management Agency may be able to provide temporary housing or rent under certain circumstances.

FEMA may be able to help if any of these situations apply:

You used all the rent money that your insurance company provided under Alternative Living Expenses coverage and your home is not ready for occupancy.
Your insurance does not include Alternative Living Expenses.
Your insurance settlement for Hurricane Sandy has not arrived.

Register online at www.DisasterAssistance.gov or m.fema.gov; visit a disaster recovery center; or call the FEMA helpline at 800-621-3362 (TTY 800-462-7585) or 711/VRS.

If you already registered with FEMA and were told that your losses appeared to be covered by insurance, you can request rental assistance to get you through an insurance delay. Write a letter to FEMA noting that the settlement has been delayed at least 30 days.

Mail to: FEMA IHP

National Processing Service Center

P.O. Box 10055

Hyattsville, MD 20782-8055

Or fax to: 800-827-8112

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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If Insurance Is Slow, Talk With FEMA

Insured Storm Survivors May Be Eligible for Disaster Assistance

WINDSOR, Conn. — Disaster officials offered hope today to property owners and renters coming up short on insurance settlements for damage due to Hurricane Sandy.

Insured disaster survivors must file claims with their insurers, because Federal Emergency Management Agency assistance does not duplicate insurance benefits. However, survivors who do not register for FEMA assistance before the Jan. 28 deadline may discover too late that their insurance payout leaves them uninsured or underinsured for certain items.

Insurance policies may not take into account changes in costs for labor and materials. Policyholders might have reduced coverage to save money during a down economy and find themselves uninsured for some losses.

“Apply for disaster assistance and keep in touch with FEMA on the outcome of your insurance settlement,” said Federal Coordinating Officer Albert Lewis. “A first notice that benefits aren’t available due to insurance could be changed with new information. But if you haven’t registered, that option goes away.”

Examples of cases where insurance may be lacking include the category insurers call Additional Living Expenses, which may not be covered for temporary housing, such as in flood insurance policies. Other uninsured items could be disaster-related medical or dental expenses, vehicle losses, essential tools for workers, or lost computers and books owned by students.

Residents registered for assistance also become eligible to apply for low-interest disaster loans from the U.S. Small Business Administration. A FEMA registration number is a requirement for individuals to seek SBA disaster loans of up to $200,000 for physical damage losses and up to $40,000 for contents. However, businesses may apply for disaster loans without first applying for FEMA assistance.

Survivors can register online anytime day or night at www.DisasterAssistance.gov, or with a smartphone or other Web-enabled device at m.fema.gov. Survivors can also register by phone anytime by calling FEMA at 800-621-3362. The TTY number is 800-462-7585. Multilingual operators are available 24 hours a day, seven days a week. Multilingual operators are available at the close of the English message.

Registering for disaster assistance with other agencies or organizations does not register survivors for FEMA disaster assistance. Having FEMA flood insurance does not register policyholders for disaster assistance, nor does it disqualify anyone from applying for assistance. Flood insurance claims are handled separately.

The U.S. Small Business Administration 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.

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Insured Storm Survivors May Be Eligible for Disaster Assistance

By Building Stronger, One Family’s Home Withstood the Storm

NEW YORK – When Thomas O’Grady decided to build a house on East Atlantic Beach, the neighborhood he grew up in, he wasn’t very happy learning that he couldn’t build his main floor because of new local building codes that would require him to elevate his home to the area base flood elevation (BFE).

BFE is the elevation of surface water resulting from a flood that has a 1 percent chance of equaling or exceeding that level in any given year. Despite their hesitation, the O’Gradys built four feet over the required 11 foot BFE, which conforms to the minimum National Flood Insurance Program requirements as well as state and local building codes. Their decision ultimately paid off.

“My parents have lived in this neighborhood, right next door, since 1967 and we’ve never had an inch of water on our street,” said O’Grady.

However, when Hurricane Sandy made landfall in October 2012 and severely damaged many homes throughout Long Island, because their home was elevated, the O’Gradys survived the storm. Though the slow-moving storm swamped other houses in their area, the O’Grady home stayed snug and dry.

In addition to elevating their home well above the BFE, O’Grady built to other state and local codes that would enable the structure to withstand hurricane force winds. By building stronger, the family ensured that their home could withstand a disaster like Sandy. “We were upstairs during the storm and we felt the wind,” O’Grady said. But we were never worried about any serious damage from the wind.”

The storm surge came up about three feet above the water line and breached the dunes on the beach near the O’Grady home. In contrast, all their neighbors who had not elevated their homes received at least three feet of water in their living areas. As for the O’Grady house, the living area received no water at all. “The water went through the crawl space, through the flood vents and out the flood vents, so once the tide subsided, the water was gone,” O’Grady said.

When a structure is elevated and tied together with the proper hardening measures, evidence shows it survives significantly better. “They [local building officials] all know how upset I was in the beginning that I could not build that main floor, said O’Grady. Now they are all laughing at me saying, ‘Aren’t you thankful now you elevated your home?’ I sure am.”

For more information on New York’s disaster recovery, visit www.fema.gov/SandyNY, www.twitter.com/FEMASandy, www.facebook.com/FEMASandy and www.fema.gov/blog.

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By Building Stronger, One Family’s Home Withstood the Storm

FEMA Housing Assistance Is Based On Damage To Essential Living Areas

TRENTON, N.J. — Some households with property damage received a letter from FEMA that said “insufficient damage.” The FEMA housing inspector reported that the essential living areas in the home were safe, sanitary and functional. People who disagree can ask for a re-inspection.

FEMA can only provide rent or repair money when there is damage to the living room, dining room, kitchen, bathroom and bedrooms used by occupants of the home.

FEMA will reconsider a request for housing assistance, and there are other options:

Request a re-inspection. Call the FEMA helpline by phone or 711/VRS at 800-621-FEMA (3362), TTY 800-462-7585.
Complete and return your SBA low-interest disaster loan application if you received one. The U.S. Small Business Administration provides disaster loans for individuals. Loan funds may be available for damage to all living areas.
Get volunteer help. Dozens of private nonprofit groups are helping in New Jersey. Some groups provide volunteers to help out with minor repairs to homes. For more information call 2-1-1 or visit NJ211.org online.
File an appeal. Any decision by FEMA can be appealed. Filing an appeal relating to habitability requires verifiable documentation to show the disaster caused damage that made the housing uninhabitable. Appeal letters must be postmarked within 60 days of the date of the decision letter.

For information on filing an appeal, survivors should refer to the “Help After Disaster” guide, which is mailed to everyone who registers with FEMA. The guide also is available online at www.fema.gov/help-after-disaster.

All applicants will receive a letter from FEMA. If you do not understand it, visit a disaster recovery center or call the FEMA helpline.

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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FEMA Housing Assistance Is Based On Damage To Essential Living Areas

Apply For Assistance Even If you Have Insurance

TRENTON, N.J. — Disaster assistance may sometimes cover damages that insurance doesn’t. That is why individuals affected by Hurricane Sandy are urged by the New Jersey Office of Emergency Management (NJOEM) and the Federal Emergency Management Agency (FEMA) to apply for assistance even if they have insurance.

Apply for FEMA assistance by registering online at www.DisasterAssistance.gov, or by web-enabled mobile device at m.fema.gov. Applicants can also register by phone by calling 1-800-621-FEMA (3362), 711/VRS, or TTY 1-800-462-7585.

Only applying directly with FEMA will establish your registration for disaster assistance. Signing up or meeting with any other agency does not mean you are registered with FEMA.

“We want everyone qualified for assistance to receive help as soon as possible,” said State Coordinating Officer Lt. Jeff Mottley.

Keep in mind that you need to file your insurance claim with your insurance company as soon

as possible. Failure to file a claim may affect a policyholder’s eligibility for disaster assistance.

You have up to 12 months from the date of registration with FEMA to submit insurance information

for review.

“By law, we cannot duplicate what insurance already covers. But we may be able to help with some disaster-related expenses, that are not covered by insurance,” explained Federal Coordinating Officer Michael J. Hall.

After filing a claim, if any of the following situations occurs FEMA may be able to provide some assistance:

Your insurance settlement is delayed.

“Delayed” means a decision on your insurance settlement has been delayed longer than 30-days from the time you filed the claim.
If a decision on your insurance settlement has been delayed, you will need to mail a letter or send a FAX to FEMA explaining the circumstance. Mail or FAX your letter to:

FEMA IHP

National Processing Service Center

PO Box 10055

Hyattsville, MD 20782-8055

FAX 1-800-827-8112

You should include documentation from the insurance company proving that you filed the claim.
If you filed your claim over the telephone, you should include the claim number, date when you applied, and the estimated time of how long it will take to receive your settlement.
If you receive FEMA assistance and you later find that your insurance will cover what your FEMA assistance was for, then you must return that money to FEMA because it is considered a duplicate benefit.

Your insurance settlement is insufficient to meet your disaster-related needs.

If you have received the maximum settlement from your insurance and still have an unmet disaster-related need, you will need to mail or FAX a letter to FEMA at the above address indicating the unmet disaster-related need.
You will also need to send in documentation from your insurance company on what they cover for review.

You have exhausted the Additional Living Expenses (ALE) provided by your insurance company.

If you have received the maximum settlement from your insurance for Additional Living Expenses and still need help with your disaster-related temporary housing need, mail or FAX a letter to FEMA at the above address indicating why you continue to have a temporary housing need.
You will also need to provide documentation to prove use of ALE from insurance, and a permanent housing plan.

You are unable to locate rental resources in your area.

The FEMA Helpline has a list of rental resources in the disaster area.

SBA Loans

Many people who apply for disaster aid also receive an application for a low-interest disaster loan from the SBA. If you receive an application, be sure to fill it out and return it in order to be considered for all forms of disaster assistance.
FEMA will process applications for housing assistance regardless of whether or not the applicant has applied for an SBA loan. Eligibility determinations for FEMA’s temporary housing assistance will not be held up because the applicant has or has not filled out an SBA application.
You must complete an SBA loan application to be eligible for additional assistance under the part of the FEMA program that covers personal property, vehicle repair or replacement, and moving and storage expenses.

You can apply for an SBA disaster loan online using the Electronic Loan Application (ELA) via SBA’s secure website at https://disasterloan.sba.gov/ela.

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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Apply For Assistance Even If you Have Insurance

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