Recovery Center in Jefferson County to Become an SBA Disaster Loan Outreach Center June 14

MONTGOMERY, Ala. – The FEMA Recovery Center at the Maurice C. West Community Center in Graysville in Jefferson County will become an SBA Disaster Loan Outreach Center at the Graysville Public Library, Saturday, June 14 at 9 a.m.

The SBA Disaster Loan Outreach Center will be open 9 a.m. to 1 p.m. on Saturday, then, Monday through Friday, 9 a.m. to 6 p.m.

The SBA Center will have both SBA and FEMA staff on hand.

The Center will be located at Graysville Public Library, 315 South Main St., Graysville, AL, 35073.

After the FEMA center becomes an SBA center, survivors will still be able to contact FEMA online at DisasterAssistance.gov, via smartphone at m.fema.gov or by phone at 800-621-3362; TTY 800-462-7585.  Multilingual operators are available.

The deadline to register for federal disaster assistance and apply for SBA disaster loans is July 1, 2014.

The SBA offers low-interest disaster loans to homeowners, renters, businesses of all sizes and private nonprofit organizations to repair or replace uncompensated losses. The SBA may lend up to $200,000 to repair or replace homes and up to $40,000 to repair or replace personal property.

Loans to businesses, including nonprofits, are available up to $2 million to repair or replace disaster damaged real estate, and other business assets.  Eligible businesses and non-profits can apply for Economic Injury Disaster Loans to help meet working capital needs caused by the disaster.

The deadline for SBA Economic Injury Disaster Loan applications is February 2, 2015.

 

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Recovery Center in Jefferson County to Become an SBA Disaster Loan Outreach Center June 14

Disaster Survivors Advised to Register with FEMA even if Insured

MONTGOMERY, Ala. – Alabama storm survivors should register for disaster assistance even if they may believe insurance will cover their losses from the recent storms.

“Insurance is an important part of the recovery process,” said Federal Coordinating Officer for Alabama storm recovery, Albie Lewis. “But, insurance may not meet all your needs, so registration with The Federal Emergency Management Agency and staying in touch with FEMA is very important.”

After an insurance claim has been paid, there could be uninsured losses that could be eligible under disaster assistance programs or SBA loans.

“It is important to know what your policy covers,” said Art Faulkner, Director of the Alabama Emergency Management Agency. “For example, if insurance does not include the expense of being displaced from your home, FEMA disaster housing assistance may help,” Faulkner said.

The Federal Emergency Management Agency and the U.S. Small Business Administration offer assistance programs for homeowners, renters, and business owners in nine Alabama counties designated for Individual Assistance.

Residents of Baldwin, Blount, DeKalb, Etowah, Jefferson, Lee, Limestone, Mobile or Tuscaloosa counties who suffered storm damage during the period April 28 through May 5 should apply for assistance by registering online at DisasterAssistance.gov, via smartphone at m.fema.gov or by phone at 800-621-3362, TTY 800-462-7585.  Multilingual operators are available. The deadline to register for FEMA assistance is July 1, 2014.

The SBA offers low-interest disaster loans to homeowners, renters, businesses of all sizes and private nonprofit organizations for uncompensated losses. The SBA may lend up to $200,000 to repair or replace homes and up to $40,000 to repair or replace personal property.

Loans are available up to $2 million to repair or replace disaster damaged real estate, and other business assets.  Eligible small businesses and nonprofits can apply for Economic Injury Disaster Loans to help meet working capital needs caused by the disaster.

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Disaster Survivors Advised to Register with FEMA even if Insured

Federal Aid Programs for the State of Mississippi Declaration

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

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) 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 will operate from 6 a.m. to 10 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, including direct federal assistance, 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 more than 75 percent of the approved costs for hazard mitigation projects undertaken by state, tribal 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 Public Assistance:

  • Application procedures for tribal and local governments will be explained at a series of federal/state and federal/tribal 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 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 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.

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Federal Aid Programs for the State of Mississippi Declaration

Boulder Disaster Recovery Center to Close

DENVER – The last Disaster Recovery Center (DRC) for the September Colorado severe storms, flooding, landslides and mudslides is closing permanently at 3 p.m., MST, Saturday, Dec. 21.

BOULDER COUNTY

Premier Credit Union Building

5495 Arapahoe Ave.

Boulder, CO 80303

Hours: Monday through Friday, 9 a.m. to 6 p.m.; Saturday, 9 a.m. to 3 p.m., MST

After the center closes, disaster survivors can call the Federal Emergency Management Agency (FEMA) at 800-621-3362 to have questions answered about their disaster assistance registration, check their application status, or update their insurance claim or contact information. A FEMA representative is available at the toll-free number from 5 a.m. to 8 p.m., MST, seven days a week.

Anyone with questions concerning a loan from the U.S. Small Business Administration (SBA) or for information about SBA programs, go to sba.gov/disaster or call (800) 659-2955, press 2 for Spanish (TTY 1-800-977-8339).

Small businesses and most private nonprofits without physical losses have until June 16, 2014, to apply for Economic Injury Loans only.

In all, 24 DRCs were opened to help Colorado residents who had damage due to the severe weather in September.

DRCs are operated by the Colorado Office of Emergency Management and FEMA in partnership with the U.S. Small Business Administration (SBA), county and local governments.

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.

Register online:  DisasterAssistance.gov or by Web-enabled device, tablet or smartphone: type

m.fema.gov in the browser.

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Boulder Disaster Recovery Center to Close

SBA Loans Help Individuals & Businesses on the Road to Recovery

SPRINGFIELD, Ill. — Federal Emergency Management Agency (FEMA) officials, along with partners from the U.S. Small Business Administration (SBA) are encouraging homeowners, renters and businesses to apply for low-interest disaster loans to help fund their losses.

If Illinois residents apply for assistance with FEMA and are referred to the SBA, it’s important for them to submit a loan application to assure that the federal disaster recovery process continues and they keep their options open:

  • Many survivors who register with FEMA will be contacted by the SBA. Survivors can submit their SBA disaster loan applications one of three ways: by mail, in person at a Disaster Recovery Center or online at DisasterLoan.SBA.gov/ela.
  • It is important for survivors to complete and return the application as soon as possible. Filing the loan application does not obligate people to accept an SBA loan and failure to complete and submit an SBA loan application may stop the FEMA grant process. However, homeowners and renters who submit an SBA application and are declined a loan may be considered for certain other FEMA grants and programs that could include assistance for disaster-related car repairs, clothing and household items.
  • Next to insurance, an SBA loan 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 up to $200,000 for repairs.
  • SBA can help renters replace their essential items. 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.
  • Loans for businesses and private non-profit organizations. Loans are available up to $2 million to repair or replace disaster damaged real estate, and other business assets.  Eligible small businesses and non-profits can apply for Economic Injury Disaster Loans (EIDL) to help meet working capital needs caused by the disaster. 
  • Do not wait on an insurance settlement before returning an application. Insurance may not pay for any or 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.
     

For additional information about SBA low-interest disaster loans, contact the SBA Disaster Assistance Customer Service Center by calling 800-659-2955 or TTY 800-877-8339, emailing disastercustomerservice@sba.gov or visiting sba.gov/disaster. SBA customer service representatives are available at all disaster recovery centers. Centers can be found online at fema.gov/DRC.

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

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 provides low-interest, long term disaster loans for homeowners, renters and businesses of all sizes. For more information, visit SBA’s website at www.sba.gov/disaster.

NEWS DESK: 217-522-2080

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SBA Loans Help Individuals & Businesses on the Road to Recovery

FEMA Registration and SBA Disaster Loan deadline is one week away

DENVER – Colorado residents and business owners with damage from September’s severe weather have only one week left to register for help from FEMA. There is also only one week left to apply for a low-interest disaster loan from the U.S. Small Business Administration (SBA).

The deadline for both is Dec. 2, 2013, for those with physical losses.

Filling out the SBA loan application is an important step toward recovery. No one has to accept a disaster loan, but completing and returning the application may open the door to other forms of assistance, such as additional FEMA grants.  

Small businesses and most private nonprofits without physical losses have until June 16, 2014 to apply for Economic Injury Loans only.

You can register with FEMA and have questions answered by calling the Helpline – 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 or by Web-enabled device, tablet or smartphone: type    m.fema.gov in the browser.

You also can also have FEMA and SBA questions answered by a specialist at a Disaster Recovery Center (DRC). To find the DRC closest to you, go to fema.gov/disaster-recovery-centers

More here – 

FEMA Registration and SBA Disaster Loan deadline is one week away

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

Federal Aid Programs for the State of Alaska Disaster Recovery

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

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.

Assistance for the State, Tribal, 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 taken to save lives and protect property and public health, including direct federal assistance, under the Public Assistance program.(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:

  • Those in the area designated for assistance to affected individuals and business owners can begin the disaster application process 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 will operate from 7 a.m. to 10 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.
  • Application procedures for 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 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 FEMA online at http://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.

Original article: 

Federal Aid Programs for the State of Alaska Disaster Recovery

Tell Your Employees To Register With FEMA; One Week Left

TRENTON, N.J.–New Jersey businesses are encouraged to ensure that their employees who had damages from Superstorm Sandy register for disaster assistance with the Federal Emergency Management Agency by the deadline, May 1, 2013.

Philip Kirschner, president of the New Jersey Business & Industry Association, which represents 21,000 companies and employs more than one million workers statewide, said, “We want to get the word out to your employees. That’s why NJBIA joins with FEMA to encourage employers to make sure any of your employees impacted by Sandy register by May 1.”

All residents also are reminded that there is just one week left to register for FEMA disaster assistance.

As of April 21, approximately 260,200 New Jersey survivors have applied for FEMA assistance. FEMA encourages all individuals who were affected by Superstorm Sandy that have not applied for disaster assistance to do so by May 1.

How to Register

Individuals and households may register by calling the toll-free registration number at 800-621-FEMA (3362) or TTY 800-462-7585. Individuals also can apply for disaster assistance online at DisasterAssistance.gov.

Registration usually takes between 15 and 20 minutes.

Officials want to encourage those residents who may be hesitant to register for disaster assistance. Federal taxes are appropriated specifically to fund disaster assistance. Also, the assistance one individual may receive will not take away from another applicant’s federal assistance funds.

Individual Assistance

FEMA Housing Assistance grants cover rental assistance, home repairs and replacement of essential household items not covered by insurance. The objective is to make damaged dwellings safe, sanitary and functional. Other Needs Assistance grants may be available 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.

As of April 21, more than $387.4 million in grants have been approved for home repairs or replacement, rental assistance and other needs.

SBA Loans

May 1 also is the deadline to return applications to the U.S. Small Business Administration. The SBA offers low-interest disaster loans to homeowners, renters, businesses of all sizes and private nonprofit organizations for losses not fully covered by insurance. The SBA may lend up to $200,000 to repair or replace homes and up to $40,000 to repair or replace personal property. Also, up to $2 million is available for businesses for their uncompensated disaster losses.

For more information about the SBA, call the SBA Customer Service Center from 8 a.m. to 6 p.m. (EDT) Monday through Friday, at 1-800-659-2955. Survivors may apply online at disasterloan.sba.gov/ela. Applicants also may visit the SBA Web site at sba.gov/services/disasterassistance or email disastercustomerservice@sba.gov.

As of April 21, $731 million in SBA low-interest disaster loans have been approved for more than 11,300 homes and businesses.

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 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.

Read article here: 

Tell Your Employees To Register With FEMA; One Week Left

Two Steps To Disaster Assistance: FEMA And SBA

PURVIS, Miss. – The U.S. Small Business Administration and the Federal Emergency Management Agency work together in assisting disaster survivors. Registering for federal assistance and completing the SBA application are two steps toward one goal: to help those rebuilding their lives after a disaster.

FEMA grants may cover essential needs including personal items such as clothing and vehicles. These grants do not make disaster survivors whole again.

The SBA is a primary source of federal funds for recovery for both individuals and businesses; filling out the SBA loan application is necessary for most homeowners and renters to be considered for all forms of disaster assistance.

The SBA’s low-interest disaster loans of up to $200,000 can help qualified homeowners repair or replace damaged real estate. In addition, renters and homeowners may get up to $40,000 to repair or replace damaged personal property. In both cases, these SBA loans are only for damages not covered by your insurance. Loans may be increased up to 20 percent of verified losses to cover the cost of measures to prevent possible damages from a future natural or man-made hazard.

Though FEMA and the SBA work hand in hand with the Mississippi Emergency Management Agency and local governments to help disaster survivors, many Mississippians affected by the recent tornadoes, storms and flooding who were sent an SBA application have not completed and returned them. The process begins with FEMA;  it continues with the SBA.

The reasons Mississippi disaster survivors find for not applying for a low-interest disaster loan are the very reasons they should apply – on or before the April 15 deadline.

Oh I’m not eligible and I don’t own a business.

SBA disaster loans also go to individuals and families – as well as businesses. Interest rates may be as low as 1.688 percent with terms up to 30 years.

I don’t want a loan or can’t qualify for one.

Filing the loan application does not obligate you to accept the loan, but most individual and family applicants must still complete the SBA loan application before they can be considered for certain other FEMA grants and programs. That could include assistance for disaster-related medical and dental expenses, car repairs, clothing and household items. Completing the SBA application assures that the federal disaster recovery process continues and keeps your options open.

It’s just too much trouble to fill out an application.

It only takes about 30 minutes to fill out a loan application. You also can receive one-on-one assistance at a Disaster Recovery Center.  A simple, fast, and very available way to complete the application is online, using the SBA’s electronic loan application. Go to https://DisasterLoan.SBA.gov/ELA. Updates on loan application status are available by calling 800-659-2955 or TTY 800-877-8339.

But I’m a renter not a homeowner.

Renters can get help from the SBA. They may qualify for long-term, low-interest loans to repair or replace personal property items, such as clothing, furniture, cars, or appliances damaged or destroyed in the disaster.

I’m going to wait for my insurance settlement.

Don’t wait to settle with the insurance company. If you do not know how much of your loss will be covered by insurance or other sources, SBA will consider making a loan for the total loss up to its loan limits, provided you agree to use insurance proceeds to reduce or repay your SBA loan.

I own the property but it’s not my primary residence.

If your property is used as a normal part of a business, such as rental property, you may be eligible to apply as a business owner. Submit your application and let SBA determine your eligibility.

Our neighbors were turned down for an SBA loan and they make more than we do.

Don’t make the mistake of eliminating yourself.  Everyone’s situation is unique and SBA will work with you if you feel you may have a problem qualifying for the loan.  Remember, if a homeowner or renter cannot qualify for the SBA loan, they will be referred back to FEMA for additional grant consideration.

Eligibility for a loan depends on your ability to repay the loan, not on your income. If you qualify for a loan, the amount could be significantly higher than FEMA grants. If you do not qualify for a loan, you may be referred back to FEMA for additional grants.

If you have questions about the disaster assistance process, call the FEMA Helpline, 800-621-3362 or TTY 800-462-7585, 7 a.m. to 10 p.m. or, with a tablet or smartphone, or other web-enabled device, go to m.fema.gov.C-Spire Wireless customers can reach the helpline by dialing #362.

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.

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

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Two Steps To Disaster Assistance: FEMA And SBA

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