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Help is Available if Flooding Requires You to Elevate Your Home

AURORA, Ill. – If your home or business is in an area that floods frequently and the building received substantial damage from flooding during the spring storms, local officials may require you to elevate, relocate, or demolish your structure to prevent future losses.

This can be quite costly, but NFIP standard flood insurance policies will pay up to $30,000 of the eligible costs under the increased cost of compliance (ICC) coverage.

To qualify for ICC, the NFIP-insured structure must be located in a Special Flood Hazard Area and the cost to repair the structure must equal or exceed 50 percent of its market value prior to the flood damage.

You may also qualify if your community has a more restrictive floodplain management ordinance provision that requires damaged buildings to be brought into compliance when the cost exceeds a threshold lower than 50 percent, or by calculating the cost to repair cumulatively over a period of time, for buildings that are damaged repetitively.

Options other than elevating do exist. The home or business can be moved to a higher elevation on the property or it can be demolished. In some instances, primarily with businesses, the structure can be flood proofed.

Claims for ICC benefits are filed separately from your claim for contents or building loss.

You will learn if you are eligible after you file for a building permit to repair the structure. A local building official will determine if your home or business is substantially or repetitively damaged. If either determination is made, contact the insurance company or agent who wrote your flood policy.

You will be assigned to a claims representative who will help you prepare your ICC claim. You will need estimates from contractors for elevating, relocating, demolishing or flood proofing the structure to accompany the claim.

You may receive a partial payment once the claims representative has a copy of the signed contract for the work, a building permit and a signed ICC Proof of Loss form.

When the work is completed, local officials will inspect the structure and issue a certificate of occupancy or a confirmation letter. Submit this document to your claims representative and the insurer will pay either the final installment or the full payment.

Buildings deemed historic structures are handled separately. Contact your local floodplain manager or building official for more information.

If you received flood damage, between April 16 and May 5, be sure to register for FEMA disaster assistance. The deadline to register is Wednesday, July 24. Several ways to register are available: online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information, visit the Illinois Disaster website www.fema.gov/disaster/4116.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

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 twitter.com/femaregion5, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at 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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Media Contact: 571-408-1835

Originally posted here:

Help is Available if Flooding Requires You to Elevate Your Home

FEMA Mitigation Outreach July 9 through July 14

AURORA, Ill. – Individuals who sustained storm damages can gain valuable information about repairing and rebuilding their damaged property in a stronger, safer and smarter way by visiting one of the FEMA mitigation teams located at home improvement centers throughout the area.

The mitigation teams will be available at three area home improvement centers Tuesday, July 9 through Sunday, July 14, from 8 a.m. to 7 p.m.

The locations of the centers are:

Cook County

Home Depot

655 Lake Cook Rd.

Deerfield, IL 60015

DuPage County

Menards

521 E. North Ave.

Glendale Heights, IL 60139

Lake County

Lowe’s Home Improvement

1660 N. Milwaukee Ave.

Vernon Hills, IL 60061

Individuals and families in 35 counties whose dwellings were damaged in the severe storms of April 16 to May 5 should register with FEMA by Tuesday, July 24, for federal and state assistance that may be available.

They can register online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information visit the Illinois Disaster website www.fem a.gov/disaster/4116.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

Media Contact: 571-408-1835

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FEMA Mitigation Outreach July 9 through July 14

Federal Disaster Aid to Illinois Residents Tops $126.4 Million

AURORA, Ill. – Federal assistance in Illinois has reached more than $126.4 million, distributed among more than 51,100 individuals and households, since a major disaster was declared for storms and flooding that occurred April 16 through May 5.

Storm damage after May 5 is not included in the presidential disaster declaration for Illinois.

The latest summary of federal assistance includes:

More than $126.4 million in FEMA grants approved for individuals and households;
Of that amount, more than $109 million has been approved for housing assistance, including temporary rental assistance and home repair costs;
More than $17 million has been approved to cover other essential disaster-related needs, such as medical and dental expenses and damaged personal possessions;
More than 74,600 home inspections have been completed to confirm disaster damage; and
More than $27.4 million in loans to homeowners, renters or business owners has been approved by the U.S. Small Business Administration;.

The registration deadline has been extended to July 24. The 15-day extension was requested by the State of Illinois.

Two additional counties have been added to the major disaster declaration for individual assistance. Putnam and Warren county survivors also have until July 24 to register for federal disaster assistance. The two counties were previously approved for public assistance, which provides local governments and certain eligible nonprofits with funding for debris removal, emergency protective measures and infrastructure repairs such as building roads and bridges.

Individuals can register online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information, visit the Illinois Disaster website www.fema.gov/disaster/4116.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

Public assistance has received more than 400 requests for project funding. This assistance is on a cost-sharing basis with FEMA paying 75 percent and the remainder the responsibility of the state and local governments.

FEMA does not endorse any non-government websites, companies or applications.

Media Contact: 571-408-1835

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Federal Disaster Aid to Illinois Residents Tops $126.4 Million

FEMA Grant Recipients Must Keep Their Receipts

AURORA, Ill. – If you received money from FEMA to help recover from the April 16 to May 5 flooding, you must keep the receipts or bills for which the money was used for three years.

FEMA assistance must be used for eligible disaster expenses only, as identified in the approval letter from the agency. You must save documentation that demonstrates how the funds were used in meeting your disaster-related needs. Examples of proof of use include:

Receipts for items purchased for home repair.
Contractor invoices.
Proof of hotel room charges if you received housing assistance.
Rent payment receipts if you received housing assistance.
Receipts for moving and storage expenses.
Receipts for repairing or replacing personal property.

More information on FEMA programs for individuals and households can be found in the “Help After a Disaster” guide. The guide was mailed to each applicant, but also is available online at fema.gov/help-after-disaster.

Individuals can get status updates online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information visit the Illinois Disaster website www.fema.gov/disaster/4116.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

Media Contact: 571-408-1835

Original post:

FEMA Grant Recipients Must Keep Their Receipts

Has a FEMA Housing Inspector Assessed Damage to Your Dwelling?

AURORA, Ill. – A FEMA-contracted housing inspector must visit your damaged dwelling before a determination can be made that you are eligible for an Individual Assistance grant to help repair damage caused by the storms of April 16 to May 5.

The first step is to register with FEMA, which must be done before the July 9 deadline. Within a few days after registration, the applicant will receive a call from an inspector assigned to check the damage. The inspector will make an appointment to visit the dwelling.

FEMA does its own inspections. It does not receive information from flood insurance adjustors, SBA, or other sources.

It you do not receive a call from a FEMA inspector within two weeks after registration, you should call the FEMA helpline to verify your registration, 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362.

Making a flood insurance claim does not register you with FEMA. If you do not register with FEMA within the 60-day registration period ending July 9, you will not be eligible for FEMA assistance later if your flood insurance does not fully cover your loss. However, if you are registered, you have up to a year to request FEMA assistance if insurance coverage falls short.

FEMA registration is available online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov, in addition to the telephone numbers listed above.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

Media Contact: 571-408-1835

See more here –

Has a FEMA Housing Inspector Assessed Damage to Your Dwelling?

Brown County Approved for FEMA Public Assistance

AURORA, Ill. – FEMA announced Friday that it has approved Governor Pat Quinn’s request to make public assistance available in Brown County to help cover the costs that county and local governments and certain non-profits face because of response and damages incurred in the storms and flooding of April 16 to May 5.

Brown County already was one of 33 counties designated for individual assistance to its residents for their damages. It becomes the 40th Illinois county eligible for public assistance, which is a cost-sharing program with FEMA providing 75 percent of eligible costs. State and local governments are responsible for the remainder.

Categories of eligible work that may be funded by FEMA are debris removal, emergency protective measures, repair or replacement of roads and bridges, water control facilities, buildings and equipment, utilities, and parks and recreational facilities.

Counties now designated for public assistance are Adams, Brown, Bureau, Calhoun, Carroll, Cass, Clark, Crawford, DuPage, Fulton, Greene, Grundy, Hancock, Henderson, Kendall, Knox, Lake, LaSalle, Lawrence, Livingston, Marshall, Mason, McDonough, McHenry, Mercer, Monroe, Morgan, Ogle, Peoria, Pike, Putnam, Rock Island, Schuyler, Scott, Shelby, Stark, Tazewell, Warren, Will and Woodford.

Counties designated for individual assistance are Brown, Bureau, Calhoun, Clark, Cook, Crawford, DeKalb, Douglas, DuPage, Fulton, Grundy, Henderson, Henry, Kane, Kendall, Knox, Lake, LaSalle, Livingston, Marshall, Mason, McDonough, McHenry, Peoria, Pike, Rock Island, Schuyler, Stark, Tazewell, Whiteside, Will, Winnebago and Woodford. Individuals in these counties can register online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information visit the Illinois Disaster website www.fema.gov/disaster/4116.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

The deadline to register for FEMA disaster assistance is Tuesday, July 9.

Media Contact: 571-408-1835

See the original article here:

Brown County Approved for FEMA Public Assistance

FEMA Mitigation Outreach June 25 through June 30

AURORA, Ill. – Individuals who sustained damages during the recent severe weather can gain valuable information about repairing and rebuilding their damaged property in a stronger, safer and smarter way by visiting one of the FEMA mitigation teams located at home improvement centers throughout the area.

The mitigation teams will be available at five area home improvement centers Tuesday, June 25 through Sunday, June 30, from 8 a.m. to 7 p.m.

The locations of the centers are:

Cook County

Home Depot

3500 N. Kimball Ave.

Chicago, IL 60618

Lowe’s Home Improvement

8411 S. Holland Rd.

Chicago, IL 60602

DuPage County

Home Depot

475 Schmale Road

Carol Stream, IL 60188

Lake County

Home Depot

2731 W. Hartigan Road

Volo, IL 60041

McHenry County

Home Depot

2461 Richmond Road

McHenry, IL 60050

Individuals and families in 33 counties whose dwellings were damaged in the severe storms of April 16 to May 5 should register with FEMA for federal and state assistance that may be available.

They can register online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov.

Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information visit the Illinois Disaster website www.fem a.gov/disaster/4116.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

Media Contact: 571-408-1835

This article:

FEMA Mitigation Outreach June 25 through June 30

Disaster Assistance May be Available for HVAC Systems

AURORA, Ill. – The summer cooling season has arrived in Illinois and those in areas affected by the April 16 to May 5 storms may be eligible for repair or replacement of heating, ventilation and cooling systems (HVAC) if they were damaged or destroyed by flooding and were not covered by insurance.

“FEMA’s mission includes ensuring that all homes affected by the flooding are habitable,” said W. Michael Moore, federal coordinating officer for the disaster. “In order for homes to be habitable, furnaces and central air conditioning systems must be in good working order.”

Federal disaster assistance may cover the cleaning and testing of a flood-damaged HVAC system and replacement if the unit was destroyed because of storms during the incident period. To be considered, Illinois residents must first register for assistance from FEMA by the Tuesday, July 9 deadline.

Those who discover their HVAC system needs repair or replacement after they already received a FEMA grant for this disaster that did not include money to repair their HVAC system can file an appeal for additional disaster funds. However, the appeal must be made within 60 days of the date of the original grant or determination letter.

When filing an appeal, survivors must submit a letter requesting additional funds and a verifiable estimate or an itemized receipt by a contractor that states that the estimate or actual cost paid is not an upgrade, that the repair was necessary to make the home habitable and is disaster related.

Applicants may be eligible for costs related to the repair or replacement of the furnaces, including the cost for labor. If the furnace is located on the ground-level floor or basement, FEMA encourages the applicant to elevate the unit.

Low interest disaster loans from the U.S. Small Business Administration also cover repairs to HVAC systems. Disaster survivors with insurance should not wait for an insurance settlement before applying to the SBA. If survivors do not know how much of their loss will be covered by insurance or other sources, the SBA will consider making a loan for the total loss up to its loan limits, provided the borrower agrees to use insurance proceeds to reduce or repay their SBA loan.

It is important that anyone receiving an SBA disaster loan application complete and return it. Returning the application does not obligate you to accept an SBA loan; however, it is a necessary step to be considered for other additional forms of federal disaster assistance.

It is not necessary to visit a Disaster Recovery Center (DRC) to register with FEMA. Individuals can register online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information visit the Illinois Disaster website www.fema.gov/disaster/4116.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

The deadline to register for FEMA disaster assistance is Tuesday, July 9.

Media Contact: 571-408-1835

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Disaster Assistance May be Available for HVAC Systems

Two Disaster Recovery Centers in Cook County to Close

AURORA, Ill. –Two Disaster Recovery Centers (DRCs) in Cook County will close at 6 p.m. Friday, June 21.

Cook County

1486 Miner St. (next to the Des Plaines Theater)

Des Plaines, IL 60616

Forest View Fire Department

7010 W. 46^th St.

Forest View, IL 60402

After the DRCs close, registration continues to be available in several ways: online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information, visit the Illinois Disaster website www.fema.gov/disaster/4116.

Multilingual phone operators are available on the FEMA helpline. Choose Option 2 for Spanish and Option 3 for other languages.

For those who would rather visit an open DRC, go to www.FEMA.gov/disaster-recovery-centers. The deadline for registering is July 9.

Media Contact: 571-408-1835

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Two Disaster Recovery Centers in Cook County to Close

Completed SBA Application Speeds Up Disaster Assistance

AURORA, Ill. – Illinoisans who received a U.S. Small Business Administration (SBA) disaster loan application for disaster assistance are urged to complete and return it as soon as possible. Doing so will keep the door open for other types of assistance.

SBA disaster loan applications are sent to disaster survivors who may qualify for disaster aid as a result of the April 16 to May 5 severe weather.

“The disaster loan application provides the necessary information for determining the appropriate assistance for each applicant,” said W. Michael Moore, the federal official in charge of disaster recovery.

Disaster survivors with insurance should not wait for their insurance settlement before applying to SBA. If a survivor is unsure of the amount covered by insurance or other sources, the SBA will consider making a loan for the full amount of the loss, up to its loan limits.

Approval of the SBA disaster loan is contingent on the borrower’s agreement that the SBA loan will be reduced by the amount of the insurance settlement.

“We want to make sure that every disaster survivor remains eligible for help from all of the programs that are available,” added Moore. “The fastest way to accomplish that is to submit the SBA application. If SBA cannot offer a homeowner or renter a disaster loan, the agency will refer the case onward to other sources of assistance.”

Applicants are urged to read all disaster assistance documents carefully while maintaining realistic expectations of what they may receive as disaster aid.

Applicants also are encouraged to stay in touch with FEMA, to ensure FEMA has the correct current address, phone number and email address.

It is not necessary to visit a DRC to register with FEMA. Individuals can register online at www.disasterassistance.gov or via web-enabled phone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. People who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. For more information visit the Illinois Disaster website www.fem a.gov/disaster/4116.

SBA low-interest disaster loans may be available for homeowners, renters, businesses and private non-profit organizations of all sizes to repair or replace real estate, contents and/or personal property damaged in the severe storms and flooding. Information and assistance from SBA is available at 1-800-659-2955, (TTY) 1-800-877-8339 or online at www.sba.gov/services/disasterassistance.

Media Contact: 571-408-1835

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Completed SBA Application Speeds Up Disaster Assistance

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