Florida Residents: Beware of Fraud, Scams and Price Gouging

TALLAHASSEE, Fla. – State and federal recovery officials encourage Florida residents to watch for and report any suspicious activity or potential fraud from scam artists, identity thieves and other criminals who may try to prey on survivors vulnerable due to the recent hurricanes. They should also be on the lookout for price gouging by gas stations, hotels and other businesses serving disaster survivors in Florida.

FEMA encourages survivors to be especially vigilant for these common post-disaster fraud practices:

  • Fraudulent building contractors

  • Use only licensed local contractors backed by reliable references.

  • Demand that contractors carry general liability insurance and workers’ compensation.

  • Don’t pay more than half the costs of repairs upfront.

     

  • Bogus pleas for post-disaster donations 

  • Verify legitimate solicitations by asking for the charity’s exact name, street address, phone number and Web address.

  • Phone the charity and confirm that the person asking for funds is a genuine employee or volunteer.

  • Don’t pay donations with cash.

  • Request a receipt with the charity’s name, street address, and phone number.

     

  • Fake offers of state or federal aid

  • Beware of visits, telephone calls or e-mails — claiming to be from FEMA or the State of Florida — asking for your Social Security number, bank account number or other sensitive information.

  • Avoid scam artists who promise a disaster grant and ask for large cash deposits or advance payments in full.

  • Federal and state workers never solicit or accept money or charge applicants for disaster assistance, inspections or help in filling out applications.

Those who question the validity of a contact or suspect fraud are encouraged to call the toll free FEMA Disaster Fraud Hotline at 866-720-5721 or the Florida Attorney General’s fraud and price gouging hotline at 866-966-7226. Complaints also may be made by contacting local law enforcement agencies.

For more information on Florida’s disaster recovery visit fema.gov/disaster/4280, twitter.com/FEMA, facebook.com/FEMA, and fema.gov/blog, floridadisaster.org or #FLRecovers. For imagery, video, graphics and releases, see fema.gov/Hurricane-Matthew.

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Florida Residents: Beware of Fraud, Scams and Price Gouging

West Virginians receiving rental aid: Tell FEMA if you need more

CHARLESTON, W.Va. – Thousands of West Virginians were displaced from their homes by the June 22-29 severe storms, floods, landslides and mudslides. FEMA gave grants to more than 2,500 households to help them pay for a temporary place to live. If your household received rental assistance from FEMA, you must let FEMA know if you have a continuing need for it.

Perhaps repairs to your home may be completed and you can move back in. If you’re seeking a new home, you may have found it.  However, your home may not be ready to return to or you may not yet have found more permanent housing. If that is your situation, you can ask FEMA for additional rental assistance.

You should have received a letter explaining the process and a form to fill out and return to FEMA along with:

  • Utility bills from before and after the disaster.

  • If you are a renter, a copy of your pre-disaster lease.

  • For renters or homeowners, a copy of the current lease or rental agreement signed by the person who applied for FEMA assistance and the landlord.

  • Rental receipts, canceled checks or money orders showing that you used your rental assistance to pay rent or a security deposit.

  • Income statements from before and after the disaster for all wage earners living in the household.

You must complete the FEMA application to apply for continued rental assistance. FEMA evaluates the information to determine if your household has a financial need for additional assistance.

If you need more information or help with completing your application, call FEMA toll-free at
800-621-3362. The line is open from 7 a.m. to 10 p.m. EDT, seven days a week until further notice. If you have a speech disability or hearing loss and use a TTY, call 800-462-7585 directly; if you use 711 or Video Relay Service (VRS), call 800-621-3362.

You may also find help at a State-FEMA Disaster Recovery Center. To find the one nearest to you, call the helpline, 800-621-3362, or go online to fema.gov/drc locator.

Find additional information on West Virginia’s disaster recovery by calling the FEMA Helpline 800-621-3362 or visiting: www.DisasterAssistance.gov; www.WVflood.com; fema.gov/disaster/4273; twitter.com/femaregion3; and fema.gov/blog.

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West Virginians receiving rental aid: Tell FEMA if you need more

Next Steps After Receiving a FEMA Determination Letter

SAIPAN – FEMA housing inspectors have been assessing damaged homes of applicants who registered with the Federal Emergency Management Agency (FEMA) for damage sustained in Typhoon Soudelor. Once the inspection process is complete, your case will be reviewed by FEMA and you will receive a letter, or email if you signed up for E-Correspondence, outlining the decision:

  • If you qualify for a FEMA grant, FEMA will send you a check by mail or deposit it directly into your bank account. You will also receive a letter describing how you are to use the money.  You should only use the money given to you as explained in the letter and we suggest that you save receipts on how you spent the money.
  • If you do not qualify for a FEMA grant, you will receive a letter explaining why you were ineligible and will be given clear information on how to appeal the decision*. Your appeal rights will be described in this letter. Appeals must be in writing and mailed within 60 days of FEMA’s decision.
  • If you are referred to the U.S. Small Business Administration (SBA), you will receive an SBA application from SBA. The application must be completed and returned in order to be considered for a loan or for additional FEMA grant assistance. SBA representatives are available to help you with the application at local Disaster Recovery Center, at Pedro P Tenorio Multi-purpose Center in Susupe.  Normal hours of operation are Monday-Saturdays 8 a.m. to 5 p.m.; Sundays 10 a.m.-4 p.m. Completing and returning the loan application does not mean that you must accept the loan.

*An appeal is a written request to review your file again with additional information you provide that may affect the decision.  You may appeal any decision provided by FEMA regarding your Individual Assistance. 

Appeals may relate to your initial eligibility decisions, the amount or type of assistance provided to you, late applications, requests to return money, or a denial of Continued Temporary Housing Assistance.  Prior to requesting an appeal review, you should review your file with a FEMA helpline agent at 1-800-621-3362 (FEMA), or (TTY) 1-800-462-7585, or request a copy of your file from FEMA so you can understand why you received the decision you want to appeal.

Follow these steps to appeal the decision.

  1. Explain in writing why you think the decision about the amount or type of assistance you received is not correct. You, or someone who represents you or your household, should sign the letter and have it notarized.  If the person writing the letter is not a member of your household, there must be a signed statement saying that the person may act for you.
  2. Include the FEMA registration number and disaster number (shown at the top of your decision letter) in your letter of appeal.  You should also include the last four digits of your social security number, your full name, your address, and your date and place of birth.
  3. You may also want to include a copy of a government-issued identification card or include the following statement “I hereby declare under penalty of perjury that the foregoing is true and correct”.
  4. If you have supporting documentation for your appeal, include that in your correspondence to FEMA.
  5. Mail your appeal letter to:

FEMA – Individuals & Households Program
National Processing Service Center
P.O. Box 10055
Hyattsville, MD 20782-8055

or you can fax you appeal letter to:

(800) 827-8112
Attention: FEMA – Individuals & Households Program.

IMPORTANT: To be considered, your appeal letter must be postmarked within 60 days of the date of the decision letter’s date. Remember to date your letters.

  • All appeals are reviewed.
  • Decisions usually are made within 30 days of receiving the request. 
  • Additional information may be requested from you if FEMA does not have enough information to make a decision.
  • You will be notified by mail of the response to your appeal.

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.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners, and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Individuals who are deaf or hard of hearing may call (800) 877-8339.

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Next Steps After Receiving a FEMA Determination Letter

Kentucky Storm Survivors Urged to Register for Disaster Assistance

FRANKFORT, KY. – Homeowners, renters and business owners affected by the recent severe storms, tornadoes and flooding in Kentucky are urged to register with the Federal Emergency Management Agency (FEMA), as they may be eligible for disaster assistance.

The presidential disaster declaration of August 12, makes federal assistance available to eligible individuals and business owners in Carter, Johnson, Rowan and Trimble counties.

Individuals and business owners in the designated counties can register online at DisasterAssistance.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. If you use Video Relay Services, call 800-621-3362. The toll-free telephone numbers will operate from 6 a.m. to

8 p.m. local time, seven days a week. Multilingual operators are available.

Assistance can include grants for temporary housing and home repairs, and for other serious disaster-related needs, such as medical and dental expenses or funeral and burial costs. Low-interest disaster loans from the U.S. Small Business Administration (SBA) may also be available to cover losses not fully compensated by insurance.

Kentucky residents should register with FEMA even if they have insurance. FEMA cannot duplicate insurance payments, but under-insured applicants may receive help after their insurance claims have been settled.

Registering with FEMA is required for federal aid, even if the person has registered with another disaster-relief organization. FEMA registrants must use the name that appears on their Social Security card.

Applicants will be asked for the following information:

  • Social Security number
  • Address of the damaged home or apartment
  • Description of the damage
  • Information about insurance coverage
  • A current contact telephone number
  • An address where they can receive mail
  • Bank account and routing numbers for direct deposit of funds.

For more information on Kentucky disaster recovery, click www.fema.gov/disaster/4239 or visit the Kentucky Emergency Management (KYEM) site at http://kyem.ky.gov/DisasterNews

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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Kentucky Storm Survivors Urged to Register for Disaster Assistance

When You See the Yellow School Bus, Think Preparedness

Eatontown, N.J. —  September is the time of year when those big yellow school buses start making their rounds, offering safe passage to school for millions of kids across the nation.

For parents, teachers and school administrators, keeping children safe and protected is a priority.

That’s why it’s important to let your children know that life may throw some surprises their way, but with a little planning and support, we can handle them.

The most important thing families can do to keep their balance when something upsets the family routine is to create a communications plan so that all members of the family know how to reconnect during a storm or other disaster.

Here are a few tips on reducing the worry and stress that naturally arises when you’re unable to get in touch with those you love:

  • Complete a contact form for each member of your family that includes name, address, home phone numbers and work and cell numbers for family members. Include the name of a neighbor or relative who is willing to respond in an emergency.
  • Agree on a meeting place in your neighborhood as well as out of town, where family members can gather should you be unable to go home.
  • Identify a family member or friend who lives out-of-state who can act as a central contact for household members to notify that they are safe. It may be easier to make an out-of-town call than to get a local connection.
  • Be sure that every member of your family knows the phone number of that contact person, has a cell phone or carries change or a prepaid phone card to be used in an emergency.
  • Each member of the family can program an “ICE” (In Case of Emergency) number in their phone. If you or are a family member is injured, emergency personnel can use that number to contact your family or friends. Be sure to alert the person you choose that you are designating him or her as your emergency contact.
  • Teach family members how to use text messaging (also known as SMS or Short Message Service) on their cell phones. Text communications can often get through when phone calls do not.
  • Subscribe to alert services. Many communities relay emergency messages to residents via phone calls, e-mails and text alerts. Check with your local Office of Emergency Management to sign up for the service.
  • Once you have created your family communication plan, practice your plan once or twice a year. That way, should an actual disaster happen, they’ll be comfortable with the routine and ready to act.

A little preparation can go a long way in helping your family stay safe and connected during an emergency. So when you see that yellow school bus, think of it as a reminder to plan and practice your family communications plan for emergencies.

For downloadable emergency contact cards and more information on developing a Family Communication Plan, view http://www.ready.gov/family-communications.

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.twitter.com/FEMASandy, www.twitter.com/fema, www.facebook.com/FEMASandy, www.facebook.com/fema, www.fema.gov/blog, 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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When You See the Yellow School Bus, Think Preparedness

Recertify to be Eligible for Continued Rental Help from FEMA

MONTGOMERY, Ala. – If your household is getting rental assistance from FEMA and repairs to your home are taking longer than expected, don’t forget you have to recertify your need to continue aid.

Alabama households currently receiving rental assistance through the Federal Emergency Management Agency because of damage from the severe storms, tornadoes, straight-line winds and flooding from April 28 through May 5 must provide the necessary paperwork to recertify for continued rental help.

FEMA may pay, through its Individuals and Households program, up to 18 months of rental assistance to both qualified homeowners and renters if they need to relocate while repairs are being made to their disaster-damaged residences.

An application for continued temporary housing will be sent to applicants who have received initial rental assistance approximately two weeks after the first rental award.

The application reaffirms that applicants have an ongoing financial need for temporary housing, either because disaster-related repairs are not completed or they have been unable to find permanent replacement housing.

Documents required to be submitted for recertification include:

  • The completed application,
  • A copy of the current lease or rental agreement signed by the applicant,
  • Rental receipts, canceled checks or money orders showing proper usage of previous rental assistance,
  • Current income statements from family members living in the rental.

The form must be completed in full and turned in on time for each rental cycle to apply for continued assistance.

FEMA will evaluate the information each cycle to determine if the applicant qualifies for ongoing federal rental assistance, based on financial need.

An applicant’s current monthly rent is compared to the person’s housing costs before the disaster. Income for all household members, ongoing homeowner mortgage, insurance and utility costs for the damaged home, and other housing commitment costs are all taken into consideration when determining continued eligibility.

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 Tuesday, July 15, 2014.

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

For more information on Alabama’s disaster recovery, visit www.fema.gov or http://www.ema.alabama.gov/.  For the joint Facebook page, go to www.facebook.com/AlabamaEMA. To receive Twitter updates: http://twitter.com/AlabamaEMA  or www.twitter.com/femaregion4

 

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Recertify to be Eligible for Continued Rental Help from FEMA

Less than Thirty Days Remain for Mississippians to Register for FEMA Assistance

JACKSON, Miss. – The June 30 deadline is less than thirty days away for individuals and households to register with FEMA for assistance to recover from damage caused by severe storms, tornadoes and flooding between April 28 and May 3.

Disaster survivors in Itawamba, Jones, Leake, Lee, Lowndes, Madison, Montgomery, Rankin, Simpson, Warren, Wayne and Winston counties may be eligible for FEMA’s Individual Assistance program.

Assistance can include grants for temporary housing and home repairs, and for other serious disaster-related needs, such as medical and dental expenses or funeral and burial costs. Low-interest disaster loans for homeowners, renters and businesses of all sizes from the U.S. Small Business Administration may also be available to cover losses not fully compensated by insurance. SBA has the same filing deadline of June 30 to receive loan applications for physical damages.

Mississippi residents should register with FEMA even if they have insurance. FEMA cannot duplicate insurance payments, but under-insured applicants may receive help after their insurance claims have been settled.

Registering with FEMA is required for federal aid, even if the person has registered with another disaster-relief organization. FEMA registrants must use the name that appears on their Social Security card.

Applicants will be asked for the following information:

  • Social Security number
  • Address of the damaged home or apartment
  • Description of the damage
  • Information about insurance coverage
  • A current contact telephone number
  • An address where they can receive mail
  • Bank account and routing numbers for direct deposit of funds.

Individuals and households in the 12 eligible counties can register for FEMA assistance online at DisasterAssistance.gov, via smartphone or tablet at m.FEMA.gov or by calling the FEMA helpline at 800-621-FEMA (3362.) People who are deaf, hard of hearing or have a speech disability and use a TTY should call 800-462-7585. Lines are open 7 a.m. to 10 p.m. (central time) and assistance is available in multiple languages.

For more information on Mississippi disaster recovery, go to FEMA.gov/Disaster/4175. Visit the MEMA site at msema.org or on Facebook at facebook.com/msemaorg.

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). If you have a speech disability or hearing loss and use a TTY, call 800-462-7585 directly; if you use 711 or Video Relay Service (VRS), call 800-621-3362.

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

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Less than Thirty Days Remain for Mississippians to Register for FEMA Assistance

Mississippi Storm Survivors Urged To Register For Disaster Assistance

PEARL, Miss. – Homeowners, renters and business owners affected by the recent severe storms, tornadoes and flooding in Mississippi are urged to register with the Federal Emergency Management Agency (FEMA), as they may be eligible for disaster assistance.

The presidential disaster declaration of April 30 makes federal assistance available to eligible individuals and business owners in Itawamba, Lee, Lowndes, Madison, Rankin, Wayne and Winston counties.

Individuals and business owners in the designated counties can register online at DisasterAssistance.gov or via smartphone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. If you use Video Relay Services, call 800-621-3362. The toll-free telephone numbers will operate from 6 a.m. to 8 p.m. local time, seven days a week. Multilingual operators are available. C-Spire wireless customers can register by calling #362.

Assistance can include grants for temporary housing and home repairs, and for other serious disaster-related needs, such as medical and dental expenses or funeral and burial costs. Low-interest disaster loans from the U.S. Small Business Administration (SBA) may also be available to cover losses not fully compensated by insurance.

Mississippi residents should register with FEMA even if they have insurance. FEMA cannot duplicate insurance payments, but under-insured applicants may receive help after their insurance claims have been settled.

Registering with FEMA is required for federal aid, even if the person has registered with another disaster-relief organization. FEMA registrants must use the name that appears on their Social Security card.

Applicants will be asked for the following information:

  • Social Security number
  • Address of the damaged home or apartment
  • Description of the damage
  • Information about insurance coverage
  • A current contact telephone number
  • An address where they can receive mail
  • Bank account and routing numbers for direct deposit of funds.

For more information on Mississippi disaster recovery, click www.fema.gov/disaster/4175 or visit the Mississippi Emergency Management Agency (MEMA) site at www.msema.org/ .

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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Mississippi Storm Survivors Urged To Register For Disaster Assistance

Four Steps to Appeal Your Flood Insurance Claim

DENVER – As the November 14 deadline draws near for filing flood damage claims, survivors may have questions or need additional information regarding any determination their insurer might make regarding their claim.

If an insurer sends a written denial of the claim or part of a claim, an owner can appeal this determination.  To file an appeal, follow these four steps:

  • Talk with the adjuster first regarding any questions about the claim.
  • If a satisfactory resolution isn’t reached, get contact information for the adjuster’s supervisor.
  • If the adjuster’s supervisor can’t resolve the issues, contact the insurance company’s claim representative. Ask the insurance agent or company representative for assistance.
  • If questions or concerns remain after steps one through three are completed, send a written letter to FEMA within 60 days from the date the denial letter was received from the flood insurer. Address this letter to: 

FEMA

Mitigation Directorate

Federal Insurance Administration

1800 South Bell Street

Arlington, VA 20598-3010

The letter should be written by the person named on the NFIP policy or by their legal representative.  If someone other than the policy owner writes the letter, clearly identify the relationship to the insured.

The letter of appeal must contain the following six items:

  • Policy Number as shown on the NFIP policy declarations page
  • Policyholder’s name as shown on the NFIP policy declarations page
  • Property address as shown on the NFIP policy declarations page (not a mailing address)
  • Contact information—where and how the policyholder can be reached
  • Complete details of the concerns
  • Dates of contact and contact details for the person(s) spoken with in steps one through three

Documentation of everything that supports the appeal should also be included, including a copy of the insurer’s written denial and a statement of the basis of the appeal. (Keep originals, send only copies.)

Examples of the kinds of documentation that FEMA requires can be found in the FEMA Flood Insurance Claims Handbook and downloaded at: http://tinyurl.com/pp8vz4l

Register with FEMA by phone, 800-621-3362, from 5 a.m. to 8 p.m., MDT, seven days a week; or online:  DisasterAssistance.gov. 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 by Web-enabled device, tablet or smartphone: type m.fema.gov in the browser.

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Four Steps to Appeal Your Flood Insurance Claim