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Several Good Reasons to Apply for an SBA Low-Interest Disaster Loan

MONTGOMERY, Ala. – Some disaster survivors think that U.S. Small Business Administration loans are only for businesses. That is not the case – it is the primary source of federal funds for long-term recovery assistance for disaster survivors.

SBA offers disaster loans at rates as low as 2.188 percent to homeowners and renters, at 4 percent for businesses of all sizes and at 2.625 percent for private nonprofit organizations for physical damage from the April 28 through May 5 severe storms, tornadoes, straight-line winds and flooding in the following Alabama counties: Baldwin, Blount, DeKalb, Etowah, Jefferson, Lee, Limestone, Mobile and Tuscaloosa counties.

Economic injury disaster loans also are available to provide working capital to eligible small businesses and nonprofit organizations located in the counties listed above and the adjacent counties.

There are good reasons for FEMA applicants who have been contacted by SBA to submit a completed disaster loan application before the July 1, 2014 deadline. Reasons include:

A future insurance settlement may fall short. Survivors may find out they are underinsured for the amount of work it takes to repair or replace a damaged home. An SBA low-interest loan can cover the uninsured costs. By submitting the loan application, survivors may have loan money available when it is needed. SBA can approve a loan for the repair or replacement of a home up to $200,000. The loan balance will be reduced by a survivor’s insurance settlement. However, the opportunity for an SBA disaster loan will be lost if they wait until after the application deadline.
SBA can help renters repair or replace disaster damaged personal property. Renters as well as homeowners may borrow up to $40,000 to repair or replace clothing, furniture, appliances and damaged vehicles.
By submitting an SBA loan application, survivors keep the full range of disaster assistance available as an option. SBA may refer applicants who do not qualify for a home loan to FEMA for “Other Needs” grants to replace essential household items, replace or repair a damaged vehicle, cover medical, dental and funeral expenses and other serious disaster-related needs. But if survivors do not submit their disaster loan applications, the assistance process stops. Survivors are not required to accept a loan offer.

For more information, homeowners, renters and businesses may call the SBA at 800-659-2955 (TTY 800-877-8339), send an email to DisasterCustomerService@SBA.gov or visit SBA.gov/Disaster. Survivors can complete disaster loan applications online at https://DisasterLoan.SBA.gov/ELA.

Survivors who have not yet registered with FEMA can do so online at DisasterAssistance.gov with a mobile device at m.FEMA.gov or by calling the FEMA helpline at 800-621-3362 (FEMA). TTY 800-462-7585.

The deadline to register for disaster assistance and an SBA loan is July 1, 2014 for property damage. The deadline for Economic Injury Disaster Loans is February 2, 2015.

The Federal Emergency Management Agency and the U.S. Small Business Administration offer assistance programs for homeowners, renters, and business owners in nine Alabama counties designated for Individual Assistance.

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Several Good Reasons to Apply for an SBA Low-Interest Disaster Loan

Don’t Wait Until it’s too Late: Have a Back-up Plan and Register by June 30

JACKSON, Miss. – If you sustained damage from the April 28 through May 3 severe storms, tornadoes and flooding, your insurance settlement may not cover all of your expenses. The Mississippi Emergency Management Agency, the Federal Emergency Management Agency and the U.S. Small Business Administration encourage you to register for disaster assistance by Monday, June 30, 2014, as it may help cover unexpected disaster expenses that arise later.

Your insurance settlement is delayed, but you need to relocate because your home is uninhabitable.
Damage in your home is not revealed until contractors are able to conduct a more comprehensive inspection of your home’s structure.
You exhaust the additional living expenses provided by your insurance company and still need help with your disaster-related temporary housing.

Not registering with FEMA may disqualify you for assistance that could help with unexpected expenses. You have until Monday, June 30, 2014, to register. Take a few minutes now to give yourself peace of mind in the future. You can register any of three ways: online at DisasterAssistance.gov, on a mobile device at m.fema.gov, or by phone at 800-621-FEMA (3362.) People who are deaf or hard of hearing and use a TTY may call 800-462-7585.

If you have registered with FEMA and were referred to SBA’s disaster loan program, it’s wise to follow through and keep your options open by submitting the application before June 30.

Some of the top reasons for submitting an SBA application by the deadline include:

A future insurance settlement may fall short. You may find you are underinsured for the amount of work it takes to repair or replace your damaged home. An SBA low-interest loan can cover the uninsured costs. By submitting the loan application on time, you may have loan money available when it is needed. SBA can approve a loan for the repair or replacement of a home up to $200,000. The loan balance may be reduced by your insurance settlement. However, the opportunity for an SBA disaster loan may be lost if you wait until after the June 30 application deadline.

SBA can help renters repair or replace disaster damaged personal property. Homeowners and renters may borrow up to $40,000 to repair or replace clothing, furniture, appliances and damaged vehicles.

By submitting an SBA loan application, you keep the full range of disaster assistance available as an option. If you do not qualify for a loan, SBA may refer you back to FEMA for grants to replace essential household items, replace or repair a damaged vehicle, or cover storage expenses, among other serious disaster-related needs. But if you do not submit your disaster loan application, the assistance process may stop. You are not required to accept a loan if one is offered.

Complete the SBA disaster loan application online at https://DisasterLoan.SBA.gov/ELA. For additional information about SBA low-interest disaster loans, contact the SBA Disaster Assistance Customer Service Center by calling 800-659-2955 or TTY 800-877-8339 or by emailing DisasterCustomerService@sba.gov. For more information on SBA disaster loans, go to sba.gov/disaster.

For more information on Mississippi disaster recovery, click fema.gov/disaster/4175. Visit the Mississippi Emergency Management Agency website at msema.org or the Facebook page 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.

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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Don’t Wait Until it’s too Late: Have a Back-up Plan and Register by June 30

Florida Survivors Have Two Weeks Left to Apply for Disaster Assistance

PENSACOLA, Fla. – Just two weeks remain for storm and flood survivors in Florida to apply for disaster assistance with the Federal Emergency Management Agency. The deadline to register is Monday, July 7.

Survivors in Escambia, Jackson, Okaloosa, Santa Rosa and Walton counties are eligible to apply for disaster assistance that may include money to help pay for temporary housing, essential home repairs or other serious disaster-related expenses.

Those who had damage from the storms and flooding from April 28 to May 6 can apply for assistance online at DisasterAssistance.gov or using a smartphone at m.fema.gov/ until midnight July 7. Survivors may also apply by phone at 800-621-3362 or TTY 800-462-7585 until 10 p.m. July 7. Recovery assistants remain available from 7 a.m. to 10 p.m. (CDT) daily.

July 7 is also the deadline to submit loan applications to the U.S. Small Business Administration for low-interest disaster loans, which is the primary source of federal funds for long-term recovery. The quickest way to apply for an SBA disaster home or business loan is filling out an online application at DisasterLoan.SBA.gov/ela.

For more information on SBA low-interest disaster loans, call the SBA disaster customer service center at 800-659-2955 or TTY 800-877-8339, send an email to DisasterCustomerService@SBA.gov or visit SBA.gov/Disaster.

To date, nearly $62 million in state and federal disaster assistance has been approved to help Floridians and their communities recover. The following is a summary of ongoing recovery efforts so far:

More than $31 million in disaster assistance has been approved under the Individuals and Households Program for qualified homeowners and renters.
- This includes nearly $26 million for housing assistance, including short-term rental assistance and essential home repair costs.
- This also includes more than $5 million to help cover other essential disaster-related needs such as medical and dental expenses and lost personal possessions.
SBA has approved nearly $31 million in low-interest disaster loans for qualified homeowners, renters, businesses of all sizes and private nonprofit organizations.

More than 13,600 people in five designated counties have contacted FEMA for help or information following the storms and flooding April 28 to May 6.
- The counties designated for Individual Assistance are Escambia, Jackson, Okaloosa, Santa Rosa and Walton.

State and local governments and certain nonprofit organizations in nine Florida counties are eligible to apply for federal reimbursements under the Public Assistance program for eligible response and recovery expenses.
- The counties designated for Public Assistance are Bay, Calhoun, Escambia, Holmes, Jackson, Okaloosa, Santa Rosa, Walton and Washington.

For more information on Florida disaster recovery, go to fema.gov/disaster/4177. Visit the Florida Division of Emergency Management website at FloridaDisaster.org or the state’s Facebook page at facebook.com/FloridaSERT.

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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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Florida Survivors Have Two Weeks Left to Apply for Disaster Assistance

More Than $17.3 Million Approved for Mississippi Disaster Survivors

JACKSON, Miss. – Federal assistance approved for disaster survivors in 12 Mississippi counties has reached more than $17.3 million.

Here is a summary through Sunday, June 22, of all federal assistance to individuals and households in the 12 counties designated for FEMA Individual Assistance. The severe storms, tornadoes and flooding occurred from April 28 through May 3, 2014.

More than $17.3 million in total federal disaster assistance has been approved by FEMA and SBA.
More than $12.2 million in low-interest disaster loans has been approved by SBA for 188 homeowners, renters and businesses.
More than $5 million in FEMA Individual Assistance grants has been approved to help Mississippi disaster survivors recover, including:
- More than $3.7 million approved for housing grants, including short-term rental assistance and home repair costs.
- More than $1.3 million approved to help cover other essential disaster-related needs such as medical and dental expenses and household possessions. Included is approval of assistance with funeral expenses for nine disaster-related deaths. Other funeral expense requests are pending.
Nearly 5,200 people have contacted FEMA for help or information regarding disaster assistance.
- In addition to FEMA grants for individuals and families, other forms of disaster assistance are provided by the U.S. Small Business Administration and other partner agencies such as the American Red Cross and the Salvation Army. FEMA refers some survivors to those agencies.
- All businesses that contact FEMA also are referred to the SBA.
- Others may be interested in other programs such as disaster unemployment assistance and disaster legal services.

2,815 home inspections completed.
More than 4,700 visits to disaster recovery centers by people affected by the disaster.
FEMA Disaster Survivor Assistance crews have visited 12, 055 dwellings and assisted 8,061 survivors.
More than 4,000 people have received advice from Mitigation Specialists on rebuilding safer and stronger.

Monday, June 30, 2014, is the deadline to register with FEMA for individual assistance and submit an SBA disaster loan application.

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.

Individuals and households in those counties can register for FEMA Individual 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. FEMA assistance does not affect benefits from other federal programs such as Social Security, SNAP or Medicaid and is not considered taxable income.

For additional information about SBA low-interest disaster loans, contact the SBA Disaster Assistance Customer Service Center by calling 800-659-2955 or TTY 800-877-8339, emailing DisasterCustomerService@sba.gov or visiting sba.gov/disaster. SBA customer service representatives are available at ALL disaster recovery centers. Disaster recovery center locations can be found online at FEMA.gov/DRCLocator.

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.

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.

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More Than $17.3 Million Approved for Mississippi Disaster Survivors

FEMA, SBA Deadline Less Than Two Weeks Away

Jackson, Miss. – The deadline for Mississippi storm survivors to register for disaster assistance from the Federal Emergency Management Agency and apply for low-interest disaster loans from the U.S. Small Business Administration is June 30.

Residents of Itawamba, Jones, Leake, Lee, Lowndes, Madison, Montgomery, Rankin, Simpson, Warren, Wayne, and Winston counties who suffered damages as a result of the tornadoes, severe storms and flooding that occurred from April 28 through May 3, 2014, may be eligible for FEMA’s Individual Assistance program.

Assistance for homeowners and renters may include money to help pay for temporary housing, home repairs and other serious disaster-related expenses not met by insurance or other assistance programs.

Low-interest disaster loans from the SBA may be available to cover losses not fully compensated by insurance. Filling out the SBA loan application is an important step toward recovery. No one has to accept a disaster loan, but completing and returning the application may open the door to other forms of assistance, such as additional FEMA grants. The deadline to submit a completed loan application is June 30.

Survivors can register with FEMA online at DisasterAssistance.gov or via smartphone or tablet at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (Central Time). Multilingual operators are available.

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FEMA, SBA Deadline Less Than Two Weeks Away

FEMA Mitigation Specialists Available at Home Depot and Lowe’s

PENSACOLA, Fla. – Are you repairing or rebuilding damaged property? Have questions about flood insurance? Want to protect your property from potential loss or damage from future disasters?

Federal Emergency Management Agency mitigation specialists will be available at three home improvement stores in the area to provide information on rebuilding safer and smarter.

Specialists will be available at the following Home Depot stores through noon on June 26.

The hours are 9 a.m. to 5:30 p.m., Tuesday through Saturday. On Sundays, noon to 5 p.m.

Home Depot

541 W. Nine Mile Road

Pensacola, FL 32534

Home Depot

4825 Mobile Highway

Pensacola, FL 32506

Starting Friday, June 20, mitigation specialists will be available at the following location through noon on June 26. The hours are 9 a.m. to 5:30 p.m., Tuesday through Saturday. On Sundays, noon to 5 p.m.

Lowe’s

4301 W. Fairfield Drive

Pensacola, FL 32505

Information on the National Flood Insurance Program, advisory base flood elevation maps, flood insurance rate maps, and repair and rebuilding will be available to all, not just to individuals who are registered with FEMA.

Advice also will be given on:

Elevating electrical services and appliances;
Installing sewer back-flow valves;
Replacing drywall and insulation;
Channeling water away from foundations; and
The permitting process required by local authorities.

More information on ways to protect your property from disasters is available at www.fema.gov.

Click on “Plan, Prepare and Mitigate.”

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FEMA Mitigation Specialists Available at Home Depot and Lowe’s

Pensacola Recovery Center Transitions to SBA Loan Outreach Center on Monday

PENSACOLA, Fla. – The State/FEMA disaster recovery center located at the Brownsville Community Center is transitioning on Monday, June 23, to a U.S. Small Business Administration disaster loan outreach center. Survivors will still be able to obtain disaster-related information after the center transitions.

SBA representatives will be on hand at the loan outreach center to answer questions about SBA’s disaster loan program and explain the loan application process. Survivors can also get help applying for or closing low-interest disaster loans. The center is located at:

Escambia County

Brownsville Community Center

3100 W. DeSoto St.

Pensacola, FL 32505

The joint State/FEMA disaster recovery center will continue normal operating hours, 9 a.m. to 6 p.m., Tuesday, June 17, through Saturday, June 21. The center is closed Sunday.

Beginning Monday, June 23, the SBA disaster loan outreach center will be open from 9 a.m. to 6 p.m. Monday through Friday, until further notice. The center will be closed Saturdays and Sundays.

The Pensacola disaster recovery center opened May 10 to help survivors who sustained damage during the severe storms, tornadoes and flooding from April 28 to May 6. The center has received more than 3,100 visits in nearly six weeks.

Disaster survivors can continue to register until July 7, 2014, either online at DisasterAssistance.gov, via smartphone at m.fema.gov or by phone at 800-621-3362. Survivors who are deaf, hard of hearing or have a speech disability can call (TTY) 800-462-7585.

To apply for an SBA low-interest disaster loan, survivors can find the electronic loan application on SBA’s secure website at disasterloan.sba.gov/ela. Questions can be answered by calling the SBA disaster customer service center at 800-659-2955/(TTY) 800-877-8339 or visiting www.sba.gov.

For more information on Florida disaster recovery, click fema.gov/disaster/4177, visit the Florida Division of Emergency Management website at FloridaDisaster.org or the Facebook page at facebook.com/FloridaSERT.

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Pensacola Recovery Center Transitions to SBA Loan Outreach Center on Monday

Contact FEMA If Insurance for Tornado-Related Living Expenses Expires

JACKSON, Miss. – Disaster survivors whose additional living expenses (sometimes termed “loss of use”) from their insurance company are running out and who still have a temporary housing need should contact the Federal Emergency Management Agency helpline (800-621-3362) immediately if they have not registered for disaster assistance.

Those who have registered should fax or mail a letter to the address below, explain the situation, document the use and expiration of living expenses from insurance and update their permanent housing plan.

Applicants may mail letters to:

FEMA

National Processing Service Center

P.O. Box 10055

Hyattsville, MD 20782-7055

Applicants may fax letters to:

800-827-8112

Attention: FEMA

People who were displaced from their homes and others who sustained damage from the April 28 through May 3 storms, tornadoes and flooding in designated disaster counties (Itawamba, Jones, Leake, Lee, Lowndes, Madison, Montgomery, Rankin, Simpson, Warren, Wayne and Winston) may be eligible for FEMA’s Individual Assistance program, which can include temporary housing assistance. Monday, June 30, 2014, is the deadline to register with FEMA for individual assistance.

Survivors who have not yet registered with FEMA can do so online at DisasterAssistance.gov, with a mobile device at m.FEMA.gov or by calling the FEMA helpline at 800-621-3362. Survivors who are deaf, hard of hearing or have a speech disability can call TTY 800-462-7585.

Contact the helpline with any questions or concerns regarding temporary rental assistance from FEMA.

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.

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Contact FEMA If Insurance for Tornado-Related Living Expenses Expires

Recovery Centers Have Closed but FEMA Still Here to Help Alabama

MONTGOMERY, Ala. – Closure of the FEMA/State Disaster Recovery Centers in Alabama does not mean FEMA has left Alabama.

All the assistance services available at the Recovery Centers are easily accessible online and by phone. There also is a FEMA representative at the SBA Disaster Loan Outreach Centers, many of which are in the same location of the Recovery Centers.

“FEMA is available to help folks in Alabama get their lives back together,” said Federal Coordinating Officer Albie Lewis, who heads the federal disaster recovery effort in Alabama. “People can call the FEMA helpline, or go to FEMA’s website.”

Residents of Baldwin, Blount, DeKalb, Etowah, Jefferson, Lee, Limestone, Mobile and 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.

Survivors also can meet with the FEMA representative at the SBA Disaster Loan Outreach Centers. SBA is operating Disaster Loan Outreach Centers in many of the same locations as the Recovery Centers.

The deadline to register for FEMA assistance is July 1, 2014.

When applicants register with FEMA, they are given a unique “registration number” which identifies them in the FEMA system. When calling with a question, applicants should have this number handy.

Applicants can reach the helpline by dialing 800-621- 3362 – the same number they called to register.

Applicants may use the helpline to find out when a housing inspector will arrive, check the status of their assistance applications, change their applications to include additional damage, inquire about additional assistance or review their right to appeal FEMA decisions on eligibility or compensation.

“Closing the recovery centers does not mean we are closing down registrations for disaster assistance,” said Alabama Emergency Management Agency Director, Art Faulkner, “Alabamians whose homes and businesses were damaged in the recent storms have only until July 1 to register with FEMA. If you have not registered, do it today.”

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Recovery Centers Have Closed but FEMA Still Here to Help Alabama

Nearly $16.5 Million Approved for Mississippi Disaster Survivors

JACKSON, Miss. – Federal assistance approved for disaster survivors in 12 Mississippi counties has reached almost $16.5 million.

Here is a summary through Thursday, June 12, of all federal assistance to individuals and households in the 12 counties designated for FEMA Individual Assistance. The severe storms, tornadoes and flooding occurred from April 28 through May 3, 2014.

Nearly $16.5 million in total federal disaster assistance has been approved by FEMA and the U.S. Small Business Administration.
Nearly $11.6 million in low-interest disaster loans has been approved by SBA for 170 homeowners, renters and businesses.
More than $4.9 million in FEMA Individual Assistance grants has been approved to help Mississippi disaster survivors recover, including:
- Almost $3.7 million approved for housing grants, including short-term rental assistance and home repair costs.
- Nearly $1.3 million approved to help cover other essential disaster-related needs such as medical and dental expenses and household possessions. Included is approval of assistance with funeral expenses for 11 disaster-related deaths. Other funeral expense requests are pending.
More than 5,000 people have contacted FEMA for help or information regarding disaster assistance.
- In addition to FEMA grants for individuals and families, other forms of disaster assistance are provided by SBA and other partner agencies such as the American Red Cross and the Salvation Army. FEMA refers some survivors to those agencies.
- All businesses that contact FEMA are also referred to SBA.
- Others may be interested in other programs such as disaster unemployment assistance and disaster legal services.

2,705 home inspections completed.
More than 4,700 visits to disaster recovery centers by people affected by the disaster.
FEMA Disaster Survivor Assistance crews have visited more than 11,000 dwellings and assisted more than 7,600 survivors.

Monday, June 30, 2014, is the deadline to register with FEMA for individual assistance and to submit an SBA disaster home loan application.

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.

SBA disaster loan outreach centers are now open in Louisville and Tupelo at the former disaster recovery center locations. Survivors who need help completing their SBA disaster loan applications can visit the centers to talk with SBA representatives and get help with their applications. MEMA and FEMA will also have representatives at the centers to answer questions about the FEMA disaster assistance process. The disaster loan outreach centers are open 8 a.m. to 5 p.m. Monday – Friday at the following locations:

Lee County

Old Tupelo Water and Light

320 Court St.

Tupelo, MS 38804

Winston County

Georgia Pacific

826 S. Church Ave.

Louisville, MS 39339

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.

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Nearly $16.5 Million Approved for Mississippi Disaster Survivors

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