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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

Getting Things Done for Mississippi

PURVIS, Miss. – A tight-knit group of nine drove from a disaster assignment in New York to report to another, hundreds of miles away in Mississippi, upholding their pledge to “get things done” for America.

“After working together for six months, we’re a good team,” said Katelyn Eilbeck, 22, of Ohio about their disaster work.

The team is part of FEMA Corps, a new unit of AmeriCorps’ National Civilian Community Corps whose members will be devoted solely to FEMA disaster response and recovery efforts. The partnership between FEMA and NCCC was formed in 2012 with the intent of helping the agency respond to disasters while promoting an ethic of national service and civic engagement among corps members.

The team, just arrived from New York, began its FEMA odyssey in this state with training at the Vicksburg Southern Region Campus of the FEMA Corps and National Civilian Community Corps programs; Vicksburg is also their base. Now they are helping Mississippians recover from recent tornadoes, storms, and flooding. A day after they arrived in Hattiesburg, the nine embraced their tasks, working in the heavily-damaged communities in and around Hattiesburg.

Some were embedded with FEMA Community Relations teams, knocking on doors passing out information; others worked at Disaster Recovery Centers meeting survivors face-to-face, providing a sympathetic ear and directing them to the right federal and state staffers for assistance. One corps member helped out at the Disaster Information Station at the University of Southern Mississippi providing information to students and faculty affected by the disaster; others worked at the MEMA-FEMA Joint Field Office to help the voluntary agencies contact applicants, and to assist external affairs in their daily tasks reaching out to the community and government leaders. FEMA Corps continues to roll up their sleeves and pitch in wherever needed.

This is all part of the FEMA Corps initiative to engage young adults ages 18 to 24 to provide ten months of full-time service on disaster response and recovery projects. Members are deployed to assignments ranging from working directly with disaster survivors to supporting disaster recovery centers to sharing disaster response and rebuilding information with the public.

After completing 1,700 hours of service, FEMA Corps members will receive a $5,550 Segal AmeriCorps Education Award to pay for tuition or pay student loans. It’s a win-win for the agency and for the young adults.

Some FEMA Corps teams, including the one sent to Mississippi, may team up with voluntary agencies one day a week to work on community service projects – providing there is time and opportunity.

“We’ve gone to survivors’ homes to help take out debris, including insulation and drywall and we scrubbed and sprayed for mold,” said Eilbeck about community service. They expect to do the same in Mississippi.

Life can be spartan on the FEMA Corps trail. Teams share tight lodging – sometimes seven women to a room with one bathroom. For several months, a decommissioned military ship activated by the federal government served as temporary home. They pool meager funds to prepare communal meals.

“It can be somewhat stressful,” said team member Jack Brinck, 22, of Texas. “We’re pulled out of our comfort zones – for some it’s the first time away from home – but it’s a learning experience and quite rewarding.”

Eilbeck says they support each other, working through the challenges. They use what they learn about their own team’s dynamics and carry it to their assignments involving FEMA’s stakeholders – and to their encounters with disaster survivors.

In Mississippi just a few days, the team identifies strongly with the state’s recovery mission; they feel connected to those whose lives have been turned upside down in the Pine Belt. FEMA Corps is serving as a key part of FEMA’s disaster recovery mission. They’re getting things done for Mississippi.

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Getting Things Done for Mississippi

FEMA, MEMA Extend Helping Hands To Students, Staff At USM

PURVIS, Miss. – On the campus of the University of Southern Mississippi, a table was set up this week in the lobby of the R.C. Cook Student Union. Behind it sat folks from the Federal Emergency Management Agency, its state counterpart MEMA, the U.S. Small Business Administration and a FEMA Corps young adult. They were there to bring the message to students and faculty about the help available to those affected by the recent tornadoes and flooding.

The Disaster Information Station came to be at the urging of USM alumni Governor Phil Bryant (class of ’77) and Hattiesburg Mayor Johnny L. Dupree (class of ’96). The governor asked FEMA and MEMA to reach out to the students and staff at the school who might not have the time or means to seek assistance otherwise.

“We were so excited to be able to bring our partners on campus to make sure the entire USM family is being taken care of,” said MEMA Director Robert Latham. “The university has been very proactive from the start and we appreciate its efforts.”

“We will continue to staff the station as long as there is a need,” he said.

“The Disaster Information Station on the USM campus underscores FEMA’s dedication to the whole-community nature of our mission,” said FEMA’s Federal Coordinating Officer Terry Quarles. “We want to make sure all those affected by the storms get the help they deserve.”

The station opened for business on Monday morning, Feb. 26 and is currently set to remain open through Friday, March 1. About 25 students and staff showed up on that first day and learned how to register for assistance and what FEMA aid might be available.

Many of these students get around by bicycle. Some lost their cars, or their living quarters were hit, or their personal belongings were damaged or destroyed.

“Most of these young people could not get to a regular FEMA Disaster Recovery Center,” Quarles said, “So we brought a little version of a DRC to them.”

FEMA Corps member Reilly Bean, who had been deployed to Nassau County in New York for Hurricane Sandy before coming south, was able to give advice and guidance to some of his Generation-Y contemporaries.

Not all the visitors on Monday were looking for help. Some were offering it, looking for ways to pitch in. The people manning the station were able to direct them to volunteer organizations in Hattiesburg.

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FEMA, MEMA Extend Helping Hands To Students, Staff At USM

FEMA Distributes $1.8 Million To Support Mississippi Recovery

PURVIS, Miss. – More than $1.8 million in federal disaster assistance is in the hands of survivors of the recent storms, tornadoes and flooding in Mississippi. This includes more than $1.3 million for housing assistance and $489,523 for other needs.

While there is still much work to be done, this money contributes significantly to the recovery effort from the recent disaster.

Here are some numbers at a glance as of midnight 2/26/13:

2,404 Mississippians have registered for assistance at 800-621-3362 (TTY 800-462-7585) or through the online application site at www.DisasterAssistance.gov or on their smartphone at m.fema.gov.
988 Mississippians have visited the five Disaster Recovery Centers for information and help about the disaster recovery process. The centers are open in Forrest, Lamar, Marion and Wayne counties.
1,405 home inspections have been completed by the 10 FEMA-contracted inspectors in the field—a 93-percent completion rate.
1,218 disaster-loan applications have been issued by the U.S. Small Business Administration. The SBA has staff members at every FEMA/State Disaster Recovery Center in Mississippi to provide one-on-one help to those seeking disaster assistance.
FEMA is working with state and other eligible local governments and certain private nonprofit organizations in Forrest, Lamar, Marion and Wayne counties to identify and reimburse 75 percent of disaster-related costs associated of emergency protective measures, debris removal, and the repair and restoration of damaged infrastructure.

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FEMA Distributes $1.8 Million To Support Mississippi Recovery

Disaster Survivors May Get Tax Deadline Postponement

PEARL, Miss. – Mississippi taxpayers living in counties that were designated as major disaster areas as a result of recent storms and tornados may be able to postpone filing their federal tax returns and paying what they owe.

This would apply to residents of Forrest, Lamar, Wayne and Marion counties. Under Internal Revenue Service rules, taxpayers in these counties whose returns and payments are due Monday, April 15, can hold off on filing until April 30. Businesses who must file by March 15 or on any date after that can also postpone filing.

IRS rules and regulations tend to be very complicated. Taxpayers should talk to their tax preparers to make sure they qualify for relief under Section 7508A of the Federal Tax Code and what any new deadlines might be.

Taxpayers who don’t use a tax-preparing service or a tax accountant can call the IRS at 800-829-1040 for individual taxpayer help or 800-829-4933 for business help.

For personal service, visit any of the six IRS offices in Mississippi. There is a list of these offices with their addresses and phone numbers at www.irs.gov/uac/Contact-My-Local-Office-in-Mississippi.

Assistance grants from state or federal sources do not count in a taxpayer’s gross income, nor do they affect the amount of Social Security he or she receives.

The IRS will forgive any penalties for late filings (as long as they are filed before any new deadline) for individuals and businesses in the declared counties. In addition, any individual or business whose necessary records are in those counties might also get relief.

According to the IRS, “If an affected taxpayer receives a penalty notice from the IRS, the taxpayer should call the telephone number on the notice to have the IRS abate any interest and any late-filing or late-payment penalties that would otherwise apply.”

In some cases, taxpayers who reside or have a business outside the disaster-declared counties can also seek relief. Phone the IRS Disaster Help Line at 866-562-5227. Residents within the declared areas are identified by IRS computers and don’t have to file relief requests.

Losses that were not covered by insurance or state and FEMA grants can be deducted from a taxpayer’s gross income on either their 2012 or 2013 tax return. If anyone wants to claim a loss deduction on his or her return that was already filed and wishes to have any refund sent, he or she should note “Mississippi/Tornado and Flooding” at the top of the tax form.

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Disaster Survivors May Get Tax Deadline Postponement

Storm Survivors: Be Aware and Beware of Fraud

PEARL, MISS., – Mississippians rebuilding from the recent storms and tornadoes should be aware that disasters often bring out phony contractors and rip-off artists who try to take advantage of storm survivors in the aftermath of the disaster.

The Mississippi Emergency Management Agency and the Federal Emergency Management Agency suggest ways people can protect themselves.

Before allowing anyone to do work on your home, get a written contract. The contract should detail the work to be done, the agreed-upon costs, a project schedule and a completion date. This is one of the best ways homeowners can protect themselves from contractor fraud.

The contract should also detail procedures to cancel the contract, negotiate changes and settle disputes. All guarantees should be in writing.

Before signing a home repair contract, homeowners should:

Get three written estimates.
Check each contractor’s credentials and references.
Check with the Mississippi Board of Contractors at www.msboc.us to make sure the contractor is licensed.
Make sure the contractor carries liability insurance and worker’s compensation coverage.
Check the website of the contractor, if there is one. If the site is unfinished or unprofessional in appearance, it may be that it was quickly constructed to give the impression of being in business, when in fact, the contractor is not. A website does not verify the existence of a business.
Confirm instructions for project clean up and construction debris removal.

Don’t pay any more than 10 percent or $1,000 down on proposed work and don’t pay with cash.

Scam artists also look for other ways to part people from their money using a storm survivor’s information. Don’t give out personal information such as your Social Security number or FEMA registration number. Credit card numbers should not be given out unless the contractor’s legal status has been verified.

If you are a victim of contractor fraud, notify the Mississippi State Board of Contractors in writing by completing the complaint form found online at www.msboc.us. The Mississippi Attorney General’s Office of Consumer Protection can investigate allegations of fraud or illegal practices by a Mississippi business. Contact them at 800-281-4418.

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Storm Survivors: Be Aware and Beware of Fraud

Disaster Legal Services Available to Storm Survivors

PEARL, Miss. – Feelings of loss after a disaster can be compounded by frustration – frustration in dealing with insurance claims, home repair contracts, or drawing up legal documents to replace those lost.

Disaster Legal Services provides legal assistance to low‐income individuals who, as a result of the disaster, are unable to secure adequate legal services. The Federal Emergency Management Agency, through an agreement with the Young Lawyers Division of the American Bar Association, provides free legal help for survivors of a presidentially declared major disaster if they are unable to pay.

Disaster legal assistance that local lawyers typically provide covers:

Help with insurance claims for doctor and hospital bills, for loss of property, loss of life.
Drawing up new wills and other legal papers lost in the disaster.
Help with home repair contracts and contractors.
Advice on problems with landlords.
Preparing powers of attorney.

The Young Lawyers Division of The Mississippi Bar has provided a toll free number, 877-691-6185, that is staffed Mon.-Fri., 9 a.m. – 4 p.m. When staff steps away or during all other hours of the day, a caller may leave their name, and a good daytime contact number. A legal representative will return an applicant’s call as soon as possible.

Legal help in any area of law is only available if the legal issue is directly related to a declared major disaster. Disaster legal advice is limited to cases that will not require a fee.

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Disaster Legal Services Available to Storm Survivors

Marion and Wayne Counties Designated for Disaster Assistance

ATLANTA – Two additional counties have been designated for disaster assistance to households and businesses as part of Mississippi’s federal disaster declaration, according to officials from the Federal Emergency Management Agency. The latest counties are Marion and Wayne.

Counties previously designated are Forrest and Lamar.

Applicants should register online at www.DisasterAssistance.gov or by mobile device at m.fema.gov. If online or mobile access is unavailable, applicants should call the FEMA toll-free Helpline at 800-621-3362. Those who use 711-Relay or Video Relay Services should call 800-621-3362. The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. seven days a week until further notice.

Homeowners and renters can register for federal disaster assistance that may help pay for:

Temporary housing;
Home repairs;
Other serious disaster-related expenses not met by insurance or other assistance programs; and
Low-interest loans from the U.S. Small Business Administration that may cover residential and business losses not fully compensated by insurance.

People in the newly designated counties who have already registered for federal disaster assistance do not need to do so again. If they have any questions about their applications for disaster assistance, they should call 800-621-3362.

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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Marion and Wayne Counties Designated for Disaster Assistance

Federal Aid Programs for State of Mississippi 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 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.

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, 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 commonwealth 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 counties designated for assistance to affected residents and business owners can begin the disaster application process 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. The toll-free telephone numbers are available from 7 a.m. to 10 p.m. (local time) Monday through Sunday 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 and state 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 mitigation projects are paid through the state from funding provided by FEMA and other participating federal agencies.

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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Federal Aid Programs for State of Mississippi Disaster Recovery

President Declares Major Disaster In Mississippi

WASHINGTON — 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 Mississippi and ordered federal aid to supplement state, tribal, and local recovery efforts in the area affected by severe storms, tornadoes, and flooding beginning on February 10, 2013, and continuing.

The President’s action makes federal funding available to affected individuals in Forrest and Lamar counties.

Assistance can include grants for temporary housing and home repairs, low-cost loans to cover uninsured property losses, and other programs to help individuals and business owners recover from the effects of the disaster.

Federal funding is available to state, tribal, 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 in Forrest and Lamar counties including direct federal assistance, under the Public Assistance program at 75 percent federal funding.

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

Terry L. Quarles has been named as the Federal Coordinating Officer for federal recovery operations in the affected area. Quarles said damage surveys are continuing in other areas, and more counties and additional forms of assistance may be designated after the assessments are fully completed.

Individuals and business owners who sustained losses in the designated counties can begin applying for assistance tomorrow by registering online at http://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.

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.

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President Declares Major Disaster In Mississippi

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