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Low-Interest Disaster Loans Fuel Connecticut Recovery

WINDSOR, Conn. – Hurricane Sandy survivors are putting low-interest disaster loans to good use.

The loans from the U.S. Small Business Administration are being used to:

• Make home repairs not covered by insurance;
• Replace clothing, appliances and vehicles;
• Make improvements to reduce the risk of future damage; and
• Refinance existing liens or mortgages on homes.

SBA loans are the major source of federal disaster recovery funding and may be available for other uses as well. For example, renters may be eligible for loans to cover some of their personal property losses, including vehicles. There are also loans for businesses and nonprofit organizations as well.

Applications from the SBA are mailed to most survivors who register for assistance with the Federal Emergency Management Agency. Returning the loan application is an important step in the recovery process because it may qualify the applicant for more FEMA grants. No one is obligated to accept a loan, if offered.

“Even the maximum amount FEMA is allowed to award won’t replace a home destroyed in a hurricane,” said Federal Coordinating Officer Albert Lewis. “Most disaster recovery is funded by low-interest loans from the SBA.”

SBA can lend homeowners up to $200,000 to repair or replace their home and up to $40,000 to repair or replace personal property.

Disaster loans have distinct advantages:
• Home loans are as low as 1.688 percent
• There are no points or application fees
• Loans are available before insurance settlements are made
• SBA can write loans based on the cost of replacing the home today

The deadline to file for an SBA Home Disaster Loan is Dec. 31.

SBA offers online application through its Electronic Loan Application site at https://DisasterLoan.SBA.gov/ela. Survivors can call the SBA’s Disaster Assistance Customer Service Center at 800-659-2955, or visit the SBA’s website at www.sba.gov/sandy.

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

The U.S. Small Business Administration (SBA) is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps homeowners, renters, businesses of all sizes, and private, nonprofit organizations fund repairs or rebuilding efforts and covers the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations.

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Low-Interest Disaster Loans Fuel Connecticut Recovery

FEMA Awards $39 Million in Debris Removal Funding

NEW YORK – The Federal Emergency Management Agency has approved two Public Assistance (PA) grants totaling more than $39 million to reimburse the city of Long Beach and Nassau County for 75 percent of their costs for debris removal due to Hurricane Sandy.

$24 million will go to the city of Long Beach; $15 million will be awarded to Nassau County. FEMA does not perform the actual debris removal work; it reimburses the local governments that contract for the eligible work.

Strong winds and heavy rains from Hurricane Sandy brought down trees, tree limbs and power lines throughout Nassau County. Within the city of Long Beach, heavy rains and a six foot storm surge deposited more than 330,000 cubic yards of debris, 400,000 cubic yards of sand and 2,550 cubic yards of vegetative debris throughout the city.

Collecting and clearing out piles of debris has been one of the most difficult and time-consuming challenges of the recovery. Through hard work and persistence over the past month, debris piles are dwindling and, in many cases, disappearing altogether. The FEMA PA program reimburses state and local governments and certain private nonprofit organizations 75 percent of eligible debris removal costs. In order to qualify, damage must be a direct result of Hurricane Sandy.

“FEMA is committed to getting people back into their homes” said Federal Coordinating Officer Michael F. Byrne. “A critical step is clearing debris out of the way so the recovery can progress. We will continue to work alongside our partners in New York state and local government until the job is finished.”

Under FEMA’s PA program, FEMA obligates funds to the state for, at a minimum, 75 percent of eligible costs. The remaining 25 percent is covered provided by non-federal funds. The state forwards the federal funds to the eligible local governments or organizations that incurred costs.

For debris removal to be eligible, the work must be necessary to:

Eliminate an immediate threat to lives, public health and safety,
Eliminate immediate threats of significant damage to improved public and private property when the measures are cost effective, or
Ensure the economic recovery of the affected community to the benefit of the community-at-large.

For more information on New York’s disaster recovery, visit www.fema.gov/disaster/40805. You can follow FEMA on Facebook at www.facebook.com/FEMA. Also visit our blog at www.fema.gov/blog.

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FEMA Awards $39 Million in Debris Removal Funding

FEMA Obligates $3.2 Million to St. John Parish Schools for Classrooms and Cleanup

BATON ROUGE, La. – Two grants totaling $3.2 million from the Federal Emergency Management Agency (FEMA) will help St. John Parish schools recover from Hurricane Isaac, FEMA has announced.

After the late August storm’s flooding severely damaged most of the buildings at the East St. John High School campus in Reserve, the district relocated most students to temporary classrooms at the nearby Leon Godchaux Academy campus.

But without enough classroom space at the academy, students are attending school daily in two, five-hour shifts this semester. On that limited schedule, the 2012-2013 academic year would extend through next summer and into September in order for students to get the required annual instructional time.

FEMA’s $1.4 million grant will provide additional modular classroom units for high school students. More class time is expected to be scheduled each day beginning in January. The school year then may end in July.

“Getting closer to the regular academic calendar is an important part of recovery for the St. John district and community,” said FEMA’s Federal Coordinating Officer Gerard M. Stolar. “These funds will help the district recover costs for adding the temporary classroom space that will help students stay on schedule.”

FEMA’s second grant for $1.8 million will help pay cleanup costs at the damaged high school campus and at Lake Pontchartrain Elementary School in LaPlace. Both schools sustained extensive flooding during the storm.

The FEMA grants will pay the federal share of the St. John school district’s eligible costs for the work. Under a cost-sharing formula, FEMA reimburses the state for 75 percent of the total costs, while the state and/or applicant cover the remaining 25 percent.

Once FEMA pays the funds to the state of Louisiana, their management, including disbursement to local school districts and organizations performing services, is the responsibility of the state. The obligated funds are a portion of nearly $121.8 million in total Public Assistance recovery funds obligated to the state since the Aug. 29 declaration for Hurricane Isaac.

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

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 http://twitter.com/#!/femaregion6, the R6 Hurricane Preparedness website at www.fema.gov/about/regions/regionvi/updates.shtm and the FEMA Blog at http://blog.fema.gov.

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FEMA Obligates $3.2 Million to St. John Parish Schools for Classrooms and Cleanup

FEMA Working to Increase Assistance for Hurricane Survivors in Louisiana

BATON ROUGE, La. — More than $530,000 in additional disaster assistance is getting to Hurricane Isaac survivors as the result of an initiative launched by the Federal Emergency Management Agency (FEMA) in Louisiana.

Under the initiative, 3,904 storm survivors are getting follow-up phone calls and even some home visits from a team of FEMA outreach liaisons. They are helping applicants with the appeal process, explaining letters they may have received from FEMA and assisting applicants with gathering the documentation needed for their claims.

So far, outreach specialists have helped survivors obtain more than $174,000 in Rental Assistance and nearly $358,000 in Housing Assistance.

Since Hurricane Isaac roared ashore in late August, the state and FEMA have approved more than $117 million in grants for eligible individuals and families in Louisiana. The grants are for temporary housing, home repair and reconstruction, and for other needs, including personal property replacement or disaster-related medical and dental expenses. The total includes more than $530,000 in assistance resulting from the outreach initiative.

“With this proactive approach we’re reducing the number of survivors determined ineligible for federal assistance because of incomplete or missing information,” said Federal Coordinating Officer Gerard M. Stolar of FEMA. “The recovery process is stressful for those who suffered great losses, and we want to make sure all survivors get the maximum grant they are eligible to receive.”

“Another benefit of survivor outreach is that FEMA can more quickly close cases and thus get survivors referred to long-term recovery committees to assist them with any unmet needs,” said Susan Tompkins, head of FEMA’s Individual Assistance branch for the hurricane recovery mission. “This helps speed the pace of recovery for everyone.”

The outreach effort will continue until FEMA contacts all eligible survivors in the parishes, Tompkins said.

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FEMA Working to Increase Assistance for Hurricane Survivors in Louisiana

President Declares Disaster for Alaska

WASHINGTON, D.C. — The U.S. Department of Homeland Security’s Federal Emergency Management Agency announced that federal disaster aid has been made available to the State of Alaska to supplement state, tribal and local recovery efforts in the area affected by a severe storm, straight-line winds, flooding, and landslides during the period of September 15-30, 2012.

The President’s action makes federal funding available to state and eligible tribal and local governments and certain private nonprofit organizations on a cost-sharing basis for emergency work and the repair or replacement of facilities damaged by the severe storm, straight-line winds, flooding, and landslides in the areas of Alaska Gateway Rural Educational Attendance Area (REAA), Chugach REAA, Denali Borough, Kenai Peninsula Borough, and the Matanuska Susitna Borough.

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

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

Follow FEMA online at 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.

President Declares Disaster for Alaska

Calling 2-1-1 or Filing an Insurance Claim Does Not Register You with FEMA

WARWICK, R.I. – To receive federal disaster assistance, Rhode Islanders who experienced losses because of Hurricane Sandy and called the state’s 2-1-1 line must also register with the Federal Emergency Management Agency. The same applies to those who filed a flood insurance claim. They must register with FEMA to obtain assistance with essential needs not covered by insurance. Registering with 2-1-1 or filing a flood insurance claim does NOT register you with FEMA.

“Some Rhode Islanders mistakenly believe they registered for help from FEMA when they called 2-1-1 or their insurance company,” said Federal Coordinating Officer Nick Russo, who leads FEMA’s mission in Rhode Island. “We want to make sure everyone knows they have to contact FEMA directly to become eligible for federal assistance.”

To register with FEMA, go online to www.DisasterAssistance.gov or to m.fema.gov if using a smartphone or call FEMA at 800-621-FEMA (3362). Multilingual registration assistance is available. People with a speech disability or hearing loss who use a TTY can call 800-462-7585 directly; or 800-621-3362 if using 711 or Video Relay Service. Phone lines are open 24 hours a day, 7 days a week until further notice.

Individual assistance to homeowners and renters includes grants to cover expenses for temporary housing, home repair, and other serious disaster-related needs and expenses, such as replacement of personal property and medical, dental or transportation costs that are not covered by insurance or other assistance programs.

FEMA’s temporary housing assistance and grants for medical and dental expenses, 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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Calling 2-1-1 or Filing an Insurance Claim Does Not Register You with FEMA

President Declared Disaster for Commonwealth of Virginia

WASHINGTON, D.C. — The U.S. Department of Homeland Security’s Federal Emergency Management Agency announced that federal disaster aid has been made available to Virginia to supplement the commonwealth and local recovery efforts in the area affected by Hurricane Sandy during the period of Oct. 26 to Nov. 8, 2012.

The President’s action makes federal funding available to the commonwealth and eligible local governments and certain private nonprofit organizations on a cost-sharing basis for emergency work and the repair or replacement of facilities damaged by Hurricane Sandy in the counties of Accomack, Arlington, Clarke, Craig, Culpeper, Essex, Fauquier, Frederick, Greene, Highland, King and Queen, Lancaster, Loudoun, Madison, Mathews, Middlesex, Nelson, Northampton, Northumberland, Prince William, Rappahannock, Shenandoah, Surry, Warren, and Westmoreland and the independent cities of Fairfax, Falls Church, and Manassas.

Federal funding is also available on a cost-sharing basis for hazard mitigation measures for all counties and independent cities in the Commonwealth of Virginia.

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

Follow FEMA online at 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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President Declared Disaster for Commonwealth of Virginia

Recovery Milestone Date Coming Soon for Louisiana Hurricane Survivors

BATON ROUGE, La. – Nov. 29 marks a milestone for Louisiana’s Hurricane Isaac recovery: it’s the registration deadline for homeowners, renters and business owners who sustained storm damage, and the closing date for the state’s remaining two Disaster Recovery Centers.

The two State/FEMA centers are located at 2654 Jean Lafitte Blvd., Lafitte, LA 70067 in Jefferson Parish, and 1931 W Airline Hwy, La Place, LA 70068 in St. John Parish. Hours for both centers are 9 a.m. to 5:30 p.m. Monday through Thursday.

Federal Emergency Management Agency (FEMA) officials stress that communication channels will remain open for Hurricane Isaac survivors even after that date.

“Louisianians can still contact us with their questions or concerns,” said Federal Coordinating Officer Gerard M. Stolar. “Even after Nov. 29, we remain committed to helping survivors here until they have received all the state and federal assistance they are eligible for.”

Louisianians can register until Nov. 29 online at www.disasterassistance.gov, via smartphone at m.fema.gov, or by calling 1-800-621-FEMA (3362) or TTY 1-800-462-7585. Those who use 711 Relay or Video Relay Services may call 1-800-621-3362. FEMA phone lines operate from 7 a.m. to 10 p.m. seven days a week; non-English speakers may receive assistance in the language of their choice by pressing Option 3 when prompted. This is also how applicants can stay in touch with FEMA.

Storm-affected homeowners, renters and business owners with uninsured or underinsured damage in the following disaster-designated parishes should register: Allen, Ascension, Assumption, East Baton Rouge, East Feliciana, Iberville, Jefferson, Lafourche, Livingston, Morehouse, Orleans, Plaquemines, Pointe Coupee, St. Bernard, St. Charles, St. Helena, St. James, St. John, St. Martin, St. Mary, St. Tammany, Tangipahoa, Terrebonne, Washington, West Baton Rouge and West Feliciana.

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Recovery Milestone Date Coming Soon for Louisiana Hurricane Survivors

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

Deadline Extended Again for Isaac-Related Flood Insurance Claims in Louisiana

BATON ROUGE, La. — Louisiana property owners with flood insurance policies whose homes or other structures were damaged during Hurricane Isaac have an additional 60 days to file claims for their flood-related losses. This means policyholders have until late January 2013 to file.

The National Flood Insurance Program (NFIP) usually requires claims to be reported within 60 days from the date of loss. Two extensions have been granted, however, because access to NFIP-insured homes and other buildings was delayed due to infrastructure damage and high floodwaters. The Federal Emergency Management Agency (FEMA) administers the program.

Meanwhile, the deadline for individuals, renters and business owners to register with FEMA for disaster assistance remains Nov. 29.

With the latest 60-day extension on flood insurance claims, Louisianians have 150 days from the date of their insured loss to submit a claim, known as Proof of Loss. Hurricane Isaac made first landfall in Louisiana on Aug. 28, with heavy rainfall and flooding occurring within several days before and after it hit. For this reason the date of loss varies for property owners.

“We encourage people who have not filed a flood insurance claim to take advantage of this filing extension to document their losses,” said Federal Coordinating Officer Gerard M. Stolar of FEMA. “This extension should provide Louisianians a chance to file claims on damages sustained during Hurricane Isaac.”

Since Isaac made landfall, the NFIP has paid out more than $370 million on 12,864 claims in Louisiana.

Policyholders with questions about flood insurance should visit www.floodsmart.gov.

More information on Louisiana disaster recovery is available online at www.fema.gov/disaster/4080 or www.gohsep.la.gov. FEMA is also on Twitter at twitter.com/femaregion6 and on Facebook at www.facebook.com/FEMA.

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Deadline Extended Again for Isaac-Related Flood Insurance Claims in Louisiana

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