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Keep Your Options Open – Submit an SBA Application Now

SACRAMENTO, Calif. – Wildfire survivors, don’t miss out on additional grants and loans that can help you recover – submit an application to the U.S. Small Business Administration today.

This notice applies to disaster survivors in Calaveras and Lake counties, California, who applied for assistance with the Federal Emergency Management Agency and were referred to the SBA. You must complete a disaster loan application in order to keep your options open and to maintain eligibility for additional FEMA dollars.

The deadline for submitting the application is Monday, Nov. 23 for wildfire losses that occurred between Sept. 9 and Oct. 30, 2015 in the two California counties. As long as the initial loan application is submitted by the deadline, survivors can finalize their preliminary SBA application and loan at a later date.

While SBA’s low-interest disaster loans represent the major source of federal funding for recovery, the application itself may open the door to other FEMA grant programs. People who do not qualify for an SBA loan may be eligible for other FEMA grants.

Here are some key points to consider:

Completing and returning a loan application can be done in one of three ways: in person at a Disaster Recovery Center, online at https://disasterloan.sba.gov/ela or by mail.
Filing the loan application does not obligate people to accept the loan and there is no cost to apply for an SBA loan. Homeowners and renters who are declined for an SBA disaster loan may be considered for certain FEMA grants and programs.
Next to insurance, an SBA loan is the primary funding source for real estate property repairs and replacing lost contents following a disaster like the recent wildfires. Homeowners may be eligible for low-interest loans up to $200,000 for repair or replacement of their primary residents. In some instances, SBA can refinance all or part of an existing mortgage.

Keep Your Options Open – Submit an SBA Application Now

The SBA can help homeowners and renters replace their essential items. Homeowners and renters may be eligible to borrow up to $40,000 to repair or replace personal property, including automobiles damaged or destroyed in a disaster.
Loans are available for businesses of all sizes and private non-profit organizations. Loans are available for up to $2 million to repair or replace disaster damaged real estate and other business assets. Eligible small businesses and non-profits also can apply for Economic Injury Disaster Loans (EIDL) to help meet working capital needs caused by a disaster.
Do not wait for an insurance settlement before applying. Insurance may not pay for all of the damage. Survivors can begin their recovery immediately with an SBA disaster loan. The eligible loan amount will be reduced by any insurance settlements.

For more information about SBA low-interest disaster loans, contact the SBA’s Customer Service Center at 800-659-2955, TTY 800-877-8339, emailing disastercustomerservice@sba.gov or at sba.gov/disaster. SBA customer service representatives are available at all disaster recovery centers. Centers can be found online at FEMA.gov/DRClocator.

Survivors can apply for FEMA assistance online at DisasterAssistance.gov or by calling 800-621-3362; TTY 800-462-7585; 711 or Video Relay Service (VRS), call 800-621-3362. Registration continues through Nov. 23.

For more information on California’s wildfire recovery, visit: caloes.ca.gov or fema.gov/disaster/4240 and follow us on Twitter @femaregion9 or on Facebook.com/FEMA, Twitter @Cal_OES and Facebook.com/CaliforniaOES.

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. Deaf and hard-of-hearing individuals may call 800-877-8339.

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.

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Keep Your Options Open – Submit an SBA Application Now

Churches and other nonprofits may rebuild with SBA disaster loans

SACRAMENTO, Calif. – Churches, temples, mosques and other religious centers, as well as other private nonprofit organizations affected by wildfires in California’s Calaveras and Lake counties, are eligible to apply for U.S. Small Business Administration low-interest disaster loans to help rebuild. The deadline to apply is Monday, Nov. 23, 2015.

When the President declares a disaster, the SBA’s Office of Disaster Assistance is the primary source of federal funds for long-term recovery for businesses of any size, private non-profit organizations, homeowners and renters for disaster damage not fully covered by insurance or other compensation. SBA’s Office of Disaster Assistance is working in conjunction with the Governor’s Office of Emergency Services and the Federal Emergency Management Agency to help survivors recover as much as possible from this disaster.

Eligible private nonprofit organizations may borrow up to $2 million with an interest rate of 2.625 percent to repair or replace damaged or destroyed real estate, furniture, fixtures, appliances, equipment, vehicles, other assets and leasehold improvements.

The terms of the loan may be up to 30 years. The SBA sets loan amounts and terms based on each applicant’s financial condition. Interested organizations may apply before their insurance claims are settled.

The SBA loan also may include mitigation funding for improvements to protect against future disaster damage. This amount can be up to 20 percent of the total physical loss, as verified by the SBA.

For more information, nonprofits may call the SBA at 800-659-2955 (TTY) 800-877-8339, visit a disaster recovery center, or go to sba.gov/disaster. To locate the nearest disaster recovery center, go to fema.gov/drc. Or, nonprofits may apply directly on SBA’s secure website at https://disasterloan.sba.gov/ela. Registration with FEMA is also recommended; call 800-621-3362 or (TTY) 800-462-7585. Online registration is available at DisasterAssistance.gov.

Churches and other nonprofits may rebuild with SBA disaster loans

Churches and other nonprofits also should investigate sources of aid from charitable agencies, volunteer groups and private donors.

For more information on California’s wildfire recovery, visit: caloes.ca.gov or fema.gov/disaster/4240 and follow us on Twitter @femaregion9 at Facebook.com/FEMA and on Twitter @Cal_OES at Facebook.com/CaliforniaOES.

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Churches and other nonprofits may rebuild with SBA disaster loans

FEMA Public Assistance Grants to Help Washington Communities Recover from Wildfires

CAMP MURRAY, Wash. – Specialists from the Federal Emergency Management Agency (FEMA) and Washington State Emergency Management Division (EMD) are working closely with local and tribal officials to help Washington communities recover from this summer’s devastating wildfires.

The assistance comes through the Public Assistance (PA) program, which reimburses state and local governments, federally recognized tribes and certain private nonprofit organizations for eligible expenses they incurred in protecting lives and property ahead of and during the fires, and in cleaning up and rebuilding afterward.

The presidential disaster declaration stemming from the Aug. 9 to Sept. 10, 2015, wildfires makes FEMA PA grants available to eligible applicants in Chelan, Ferry, Lincoln, Okanogan, Pend Oreille, Stevens, Whatcom, and Yakima counties and the Confederated Tribes of the Colville Reservation.

“This program is important to Washington taxpayers,” said State Coordinating Officer Kurt Hardin of EMD. “It provides financial assistance that enables our communities to repair and rebuild without putting an additional burden on residents. We welcome partnering with FEMA to assist communities impacted by the historic wildfires. ”

“The PA program strengthens communities that do not have the resources to bounce back from a disaster,” said Federal Coordinating Officer Thomas Dargan of FEMA. “The funds help to repair the roads people use every day getting to work and school, put utilities and water systems back in order, and ensure a community’s other important public needs are met.”

To date, 34 potential applicants have filed a Request for Public Assistance (RPA) to initiate a disaster claim under the Oct. 20 disaster declaration. Applicants have until Nov. 19 to file RPAs with the Washington Emergency Management Division.

The EMD, with FEMA support, is holding a series of briefings for potential applicants to provide a general overview of the grant program, outline program deadlines and answer any questions.

Also taking place are initial meetings among applicants and project officers from EMD and FEMA to discuss which types of emergency expenses and projects are federally reimbursable. They also discuss the process of rebuilding structures to resist damage in the future.

These meetings are an important step in getting assistance dollars back into the communities.

Under the PA program, FEMA reimburses applicants for 75 percent of their eligible expenses, while the other 25 percent is the nonfederal share. The federal portion is paid directly to the state, which then makes disbursements to the local and tribal jurisdictions and organizations that incurred costs.

More information about the PA program is available at www.fema.gov/public-assistance-local-state-tribal-and-non-profit and on the Washington EMD website at http://mil.wa.gov/emergency-management-division/.

Additional information regarding the federal response to the wildfire disaster, including funds obligated, is available at www.fema.gov/disaster/4243.

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FEMA Public Assistance Grants to Help Washington Communities Recover from Wildfires

Completing SBA Loan Application May Mean More Assistance for Some

COLUMBIA, S.C. – South Carolina storm and flood survivors are reminded to complete loan applications from the U.S. Small Business Administration even if they do not plan to accept a loan.

Survivors who receive notice to apply to the SBA are encouraged to complete the application as it may make them eligible for other assistance. Survivors should apply to SBA before insurance is settled.

Completing an SBA application can help homeowners, renters and businesses of all sizes with repair or rebuilding costs or disaster-related damage costs that exceed initial estimates. SBA disaster loans are also available to help private nonprofit organizations with their recovery. The application is not required for survivors seeking temporary rental assistance.

Homeowners may be eligible to receive loans of up to $200,000 for their primary residences. Homeowners and renters may also borrow up to $40,000 to repair or replace damaged or destroyed personal items such as clothing and vehicles. Businesses may borrow up to $2 million for property damage. Small businesses may borrow up to $2 million for economic injury.

Survivors may obtain more information by visiting the SBA website, www.sba.gov/disaster, applying online via SBA’s secure website: https://disasterloan.sba.gov/ela, or calling SBA’s Disaster Assistance Customer Service Center at 800-659-2955. Individuals who are deaf, hard of hearing or have speech disabilities and use a TTY may call 800-877-8339. If you use 711 or Video Relay Service, call 800-659-2955.

Survivors may also visit any disaster recovery center where SBA customer service representatives can answers questions, help complete loan applications and close loans. For the nearest location go to http://www.fema.gov/disaster/4241. The SBA is also operating business recovery centers in Charleston, Horry, Richland and Sumter counties.

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Completing SBA Loan Application May Mean More Assistance for Some

South Carolina Disaster Recovery Center Changes Sunday Hours in Gadsden

COLUMBIA, S.C. – The disaster recovery center in Gadsden has new hours on Sundays from 2 p.m. to 7 p.m.

The center’s Monday-to-Saturday hours remain 8 a.m. to 7 p.m. until further notice.

Representatives from the South Carolina Emergency Management Division, the Federal Emergency Management Agency, the U.S. Small Business Administration and other public and private agencies are at the center to explain disaster assistance programs and help survivors with applications for aid.

The disaster recovery center is located at the following address:

Richland County

Temple of Faith Bible Way Church

2850 Congaree Road

Gadsden, SC

It is not necessary to visit a center to register for and receive state-federal disaster assistance. If possible, survivors should register with FEMA before visiting a recovery center.

To register go online any time to DisasterAssistance.gov or call the FEMA helpline at 800-621-3362. Help is available in most languages, and phone lines are open 7 a.m. to 10 p.m. seven days a week until further notice.

Disaster survivors who are deaf, hard of hearing or have a speech disability and use a TTY may call 800-462-7585 to register. Those who use 711 or VRS (Video Relay Service) or require accommodations while visiting a center may call 800-621-3362. All disaster recovery centers are accessible and equipped with tools to accommodate disaster survivors who need disability-related communication aids.

Additional disaster recovery centers are open in Richland and other South Carolina counties. For information on the locations of recovery centers call the FEMA helpline at 800-621-3362 or go online to www.DisasterAssistance.gov.

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South Carolina Disaster Recovery Center Changes Sunday Hours in Gadsden

Three Years after Sandy: New Jersey’s Private Sector Continues the Work of Recovery

EATONTOWN, N.J. — The devastation caused by Hurricane Sandy left survivors and businesses in New Jersey with large-scale recovery needs. In the three years since, the state’s private sector has made significant contributions to strengthen recovery efforts.

Immediately after Sandy struck, Private Sector specialists with FEMA’s External Affairs division deployed to New Jersey to work with chambers of commerce, industry associations, individual companies, colleges and universities, the medical industry and other organizations.

An outside shot of the Panini Bay Restaurant

Panini Bay Restaurant in Tuckerton built an innovative elevator for wheel chair accessibility

Response was immediate. Utility companies inserted disaster assistance information in utility bill inserts, reaching 3.3 million customers. The South Jersey Transportation Authority featured registration information on its Vehicle Messaging Systems at toll plazas as well as on its website ticker messaging system, reaching an estimated 2.9 people a month.

Through utility bill inserts, newsletters, signage, advisories and other means, FEMA’s Private Sector specialists successfully distribute some 14 million disaster assistance messages to New Jersey residents.

One fast food chain that requested anonymity handed out disaster assistance messaging along with 7,000 sandwiches they distributed at 32 locations throughout New Jersey. “That’s just one example of how essential the private sector is to a strong recovery effort,” noted Gracia Sczech, who served as Federal Coordinating Officer for FEMA’s Joint Field Office in Lincroft during the early days of the disaster.

Chambers of commerce, associations and businesses shared FEMA’s electronic newsletter, the E-News Update, with their memberships and contacts. This access to recovery information proved invaluable to their members and had far-reaching effects.

FEMA’s Private Sector worked with The New Jersey Association of Realtors to present a series of seminars and question and answer sessions on recovery issues. These events updated and advised the real estate community on issues pertinent to Sandy recovery, including, Flood Mapping, the National Flood Insurance Program, Home Elevation, Business Continuity, Federal and State recovery programs, and grant and loan opportunities.

In all, more than 2,000 realtors received the latest information regarding Sandy recovery. “To have the opportunity to interact directly with FEMA representatives, ask questions and get answers has helped not only members, but their clients as well,” said New Jersey Association of Realtors Chief Executive Officer Jarrod Grasso. “The recovery process in the aftermath of Sandy has not been easy, but getting the correct facts to our members has relieved a great deal of uncertainty related to flood maps, insurance and elevation that so many New Jersey residents felt.”

Two FEMA program areas, Private Sector and the Federal Disaster Recovery Coordination group, facilitated an Insurance Industry Roundtable, forming a public-private partnership that resulted in a series of four meetings to explore how to enhance and expedite the disaster assistance process. A roundtable work group identified issues impeding the process and then developed recommendations that were submitted to President Obama’s Hurricane Sandy Rebuilding Task Force.

A view of the info tables at Home Depot on Preparedness Day

FEMA’s Mitigation and Private Sector teams man tables at Home Depot’s Preparedness Day

The private sector reached out in more basic ways as well. Sometimes, it was as simple as speaking at a local chamber of commerce meeting or a single business, staffing information tables at business and industry functions or offering work space for businesses displaced by the storm.

Operation Photo Rescue, a nonprofit organization of volunteer photojournalists from around the nation, came to New Jersey to help Sandy survivors restore treasured photos. The organization began helping disaster survivors during the Hurricane Katrina recovery in Louisiana. Operation Photo Rescue volunteers needed to set up a temporary site close enough for survivors to access their free services.

“Finding a place for us to host our copy run was turning into a major problem as we could not secure a building close enough to where Sandy hit,” recalled Operation Photo Rescue President Margie Hayes.

“We were coming up empty-handed until Chris Spyridon, regional pro sales manager for Home Depot, offered us a space at Home Depot in Seaside Heights.”

Another area in which the private sector played an important role was in the academic arena. FEMA offers a disaster preparation program to elementary schools titled “FEMA for Kids,” which helps children recover from the stress and uncertainty of the unknown that a disaster can bring by teaching them skills that serve to alleviate that uncertainty, including developing a family communications plan for disasters and determining what items their family should plan to have on hand to prepare for disaster, such as canned food, medications, water and pet supplies.

With the success of FEMA for Kids came a similar prepared program aimed at high school and college-age students titled “Ready, Steady, Strong.” Designed and developed by a FEMACorps team at the NJ Sandy Joint Field Office in Lincroft, Ready, Steady, Strong teaches the same principles as FEMA for Kids at a more sophisticated level, including a tabletop exercise simulating a disaster in which the students practice emergency management skills.

Thousands of students throughout New Jersey participated in the two programs, gaining the attention of the Mayor of Newark, who invited FEMA to present the program in the Newark school system. More than 45,000 elementary and high school age students as well as teachers and administrators participated.

The business of recovery is long-term, and an important part of recovery is preparedness, which not only helps individuals survive a disaster but can help businesses endure as well. FEMA’s Private Sector specialists have traveled throughout the state to help executives and officials understand the need for a business continuity plan to implement in an emergency to ensure the business can survive and continue once the emergency is over. Montclair State University recorded FEMA’s preparedness webinar to share with all of New Jersey’s colleges and universities.

As we mark the third year of Hurricane Sandy Recovery, the work of our Private Sector partners continues to benefit residents and businesses throughout New Jersey.

“We are proud of the contributions that members of New Jersey’s business communities made toward the goal of recovery,” said NJ Sandy Recovery Office Director Christopher Hartnett. “Their efforts have made a difference for thousands of residents and businesses across the state.”

Please be sure to watch the following video-links for two success stories: Partnering for Preparedness: Jenkinson’s Aquarium Continuity Plan Works at https://www.fema.gov/media-library/assets/videos/81998#details and Serenity Spa Open for Business at http://www.fema.gov/media-library/assets/videos/82055.

You may also enjoy two FEMA links called Ready Steady Strong Visits East Side High School at www.fema.gov/media-library/assets/videos/99359 and First Avenue Elementary School is Prepared for Emergencies at www.fema.gov/media-library/assets/videos/99488.

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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Three Years after Sandy: New Jersey’s Private Sector Continues the Work of Recovery

Disaster Recovery Center Opens in Gadsden to Help South Carolina Flood Survivors

COLUMBIA, S.C. – A new disaster recovery center is open in Gadsden to help South Carolina flood survivors. This Richland County center is open 8 a.m. to 7 p.m. seven days a week until further notice.

The disaster recovery center is located at the following address:

Richland County

Temple of Faith Bible Way Church

2850 Congaree Road

Gadsden

It is not necessary to visit a center to register for and receive state-federal disaster assistance. If possible, survivors should register with FEMA before visiting a recovery center.

Federal and state disaster assistance for eligible individuals and families can include money for temporary rental assistance and essential home repairs for primary residences and help with other serious disaster-related losses not covered by insurance.

Low-interest disaster recovery loans from the U.S. Small Business Administration are the primary means of federal help for disaster survivors, including homeowners, renters and businesses of all sizes. Individuals and businesses should first register with FEMA. For information on SBA disaster recovery loans call 800-659-2955/800-877-8339 TTY or go online to SBA.gov/disaster. An application for an SBA disaster recovery loan may be completed online at https://disasterloan.sba.gov/ela.

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Disaster Recovery Center Opens in Gadsden to Help South Carolina Flood Survivors

Disaster Recovery Centers Open in Williamsburg, Orangeburg Counties

COLUMBIA, S.C. – New disaster recovery centers are open in Livingston and Kingstree to help South Carolinians who experienced losses from the recent floods.

Representatives from the South Carolina Emergency Management Division, the Federal Emergency Management Agency, the U.S. Small Business Administration and other public and private agencies are at the centers to discuss disaster-assistance programs and help survivors find resources for recovery.

Locations and hours of the new recovery centers:

Williamsburg County

Williamsburg Recreation Center

2084 Thurgood Marshall Hwy

Kingstree

Seven day a week, 8 a.m. to 7 p.m.

Orangeburg County

Neeses Town Hall

6357 Savannah Hwy

Livingston

Seven day a week, 8 a.m. to 7 p.m.

It is not necessary to visit a center to register for and receive state-federal disaster assistance. If possible, survivors should register with FEMA before visiting a recovery center. To register go online any time to DisasterAssistance.gov or call the FEMA helpline at 800-621-3362. Help is available in most languages, and phone lines are open 7 a.m. to 10 p.m. seven days a week until further notice.

Low-interest disaster recovery loans from the U.S. Small Business Administration are the primary means of federal help for disaster survivors, including homeowners, renters and businesses of all sizes. Individuals and businesses should first register with FEMA. For information on SBA disaster recovery loans call 800-659-2955 (TTY 800-877-8339) or go online to SBA.gov/disaster. An application for an SBA disaster recovery loan may be completed online at https://disasterloan.sba.gov/ela.

Additional disaster recovery centers are open in Charleston, Clarendon, Darlington, Dorchester, Florence, Georgetown, Horry, Kershaw, Lee, Lexington, Orangeburg, Richland and Sumter counties. For information on the locations of recovery centers call the FEMA helpline at 800-621-3362 or go online to https://www.fema.gov/disaster/4241.

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Disaster Recovery Centers Open in Williamsburg, Orangeburg Counties

President Declares Major Disaster for Washington

WASHINGTON – The U.S. Department of Homeland Security’s Federal Emergency Management Agency (FEMA) today announced that federal disaster assistance has been made available to the state of Washington to supplement state, tribal and local recovery efforts in the area affected by the severe windstorm on August 29, 2015.

Federal funding is available to state 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 the severe windstorm in Island, Jefferson and Snohomish counties.

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

Thomas J. Dargan has been named as the Federal Coordinating Officer for federal recovery operations in the affected area. Dargan 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 http://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. FEMA does not endorse any non-government websites, companies or applications.

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President Declares Major Disaster for Washington

What to Expect After South Carolina Survivors Call FEMA

COLUMBIA, S.C. – Registering with the Federal Emergency Management Agency is the first step to getting federal disaster assistance.

After you apply, FEMA will send you a copy of your application and a copy of “Help After a Disaster: Applicant’s Guide to the Individuals and Households Program,” which will answer many of your questions.

This publication explains how FEMA’s disaster assistance program works; describes additional kinds of help you may qualify for from other federal, state and voluntary agencies; and gives you many important tips on how best to make all these programs work for you.

After You Register

If your home or its contents are damaged and you are uninsured or underinsured, verifying disaster damage is part of the process to establish the amount and type of damage you suffered.

You will get a call from an inspector who has construction background and is fully qualified to do the job. Inspectors are private contractors who wear official FEMA ID badges. If you have concerns with the legitimacy of a FEMA housing inspector, you should contact your local law enforcement as they will be able to validate their identification.

Authorized inspectors will only confirm personal detailed information that you previously provided during the registration process, such as your registration number. They never charge for an inspection.

The U.S. Small Business Administration and various insurance companies also have inspectors in the field. You may also see preliminary damage assessment teams in your area.

Inspector’s Call

After you register – either online at DisasterAssistance.gov, by calling 800-621-3362 (TTY 800-462-7585) or visiting a disaster recovery center – a nine-digit application number is assigned. An inspector will then call to schedule an appointment to visit your damaged property – generally no longer than 10 days after registration.

Inspector’s Visit

Keep the scheduled appointment to make sure the assistance process moves quickly. The inspection should take typically 10 to 20 minutes. You – or someone who is 18 or older and lived in the household prior to the disaster – must be present for the scheduled appointment. Inspectors will review both structural and personal property damage and file a report, but they do not determine eligibility or determine the value of damage or losses.

A FEMA inspection is not an insurance inspection. If you are covered by insurance, you should contact your insurance company immediately as FEMA cannot duplicate payments.

Proof of Ownership or Occupancy

The inspector will ask for identification and proof of ownership and occupancy (for homeowners) and occupancy only (for renters). You can speed up the process by having the appropriate documents on hand:

A photo ID to prove identity, such as driver’s license or passport.
Proof of occupancy, such as a lease, rent payment receipt or utility bill.

Proof of ownership, such as a deed, title, mortgage payment book, property insurance policy or tax receipts.

After the Inspector’s Visit

You will receive a letter from FEMA containing a decision within 10 days of the inspector’s visit. If you are eligible for assistance, the letter will be followed by a check or an electronic funds transfer. The letter explains how the money can be used. You may receive a low-interest disaster loan application in the packet from the SBA. You do not have to accept a loan. However, you must complete the application and return it to SBA to remain eligible for other types of federal assistance, such as FEMA grants.

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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What to Expect After South Carolina Survivors Call FEMA

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