SBA Disaster Loans Are Important To Your Full Recovery

TRENTON, N.J. — After a disaster, a lot happens—some things more quickly than others. One thing that is consistent is there are a number of assistance programs that disaster survivors can apply for and there are insurance claims to be made.

You may first seek assistance from insurance. But you may find that insurance does not cover everything. Unfortunately, you may find this out months later when other options for funding, such as Small Business Administration disaster loans, may no longer be available.

Next to insurance, an SBA disaster loan may be the primary source for funds for home repairs and replacement of personal property following a disaster. You can get a loan of up to $200,000 before you settle with your insurance company and use the SBA money to fix your home. You can also borrow an additional $40,000 to help pay for things like furniture, clothes and vehicles that were damaged and not covered by homeowner’s or renter’s insurance.

There is another important reason to return your SBA application. In the event you return your application and you are denied an SBA home loan, you then might be eligible to receive other assistance from FEMA such as money to replace personal property. In most cases, you cannot receive this type of assistance from FEMA without being denied an SBA loan first.

But none of these options are available if you don’t return your SBA application. To take advantage of this help, you must get your loan application to the SBA by the March 1 deadline.

For additional information on 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. SBA customer service representatives are available at all disaster recovery centers throughout the state. Centers can be found online at fema.gov/DRC.

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.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.

SBA’s Disaster Assistance Program provides long term, low-interest loans to homeowners, renters and businesses of all sizes. For more information, visit www.sba.gov. All SBA’s program and services are provided on a nondiscriminatory basis.

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SBA Disaster Loans Are Important To Your Full Recovery

FEMA, partners provide help for critical needs

NEW YORK – After a disaster, there are many sources of support for survivors as they begin their recovery. The Federal Emergency Management Agency is only one part of a team that includes federal, state, tribal and local government agencies, voluntary organizations, the private sector and faith-based organizations.

FEMA helps survivors of a disaster with critical expenses that cannot be covered in any other way. This grant assistance may be used to help cover items or services that prevent or overcome a hardship due to a disaster. Such items or services include temporary housing, essential home repairs, personal property losses and other disaster-related needs not covered by insurance. Survivors registered with FEMA may be eligible for up to $31,900, the maximum grant.

The assistance FEMA provides may not restore damaged property to its condition before the disaster and may not cover all losses from property damage. Money to repair a home is limited to making it safe, sanitary and functional.

One of the most significant sources of long-term recovery is the U.S. Small Business Administration (SBA), which offers low-interest disaster loans for homeowners and renters. Homeowners may be eligible for loans up to $200,000 to repair or replace their storm-damaged home. Homeowners and renters may be eligible for up to $40,000 for replacement of personal property.

Additionally, more than 500 national, state and local community and faith-based organizations are involved in helping Sandy survivors with their recovery. They are providing a range of services including home repair, child care, counseling services, muck-outs and mold suppression in disaster-damaged homes.

People who sustained losses due to Hurricane Sandy have until Wednesday, Feb. 27, to register with FEMA for potential grant assistance. They should register even if they have insurance. Applying by the deadline may help survivors avoid a funding shortfall if they later find that they are underinsured or have additional damages.

Counties in New York designated for individual assistance include: Bronx, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Sullivan, Ulster and Westchester.

Eligible applicants may register online at www.DisasterAssistance.gov or via smartphone or tablet at m.fema.gov. People can also call the FEMA helpline 800-621-3362 (711 Relay or Video Relay Services are available) or TTY 800-462-7585. Helpline call centers are available 7:00 a.m. to 1:00 a.m. EST, seven days a week.

For more information on New York’s disaster recovery, visit www.fema.gov/SandyNY, www.twitter.com/FEMASandy, www.facebook.com/FEMASandy and www.fema.gov/blog.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

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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FEMA, partners provide help for critical needs

Building better and smarter can start with an SBA Disaster Loan

NEW YORK – Protection from future severe weather damage can begin with a low-interest U.S. Small Business Administration disaster loan for eligible homeowners, businesses and private nonprofits.

SBA disaster loans can be used for elevating a structure to reduce or eliminate future flood damage. Other projects can include building retaining walls, seawalls, sump pumps or elevating utilities. A disaster loan can be increased up to an additional 20 percent of the verified loss amount if rebuilding is to prevent future disaster damage.

The deadline to apply for an SBA disaster loan is Feb. 27, 2013.

A simple, fast way to complete the application is online, using the SBA’s electronic loan application. Go to https://DisasterLoan.SBA.gov/ELA. SBA customer service representatives are available to issue or accept low-interest disaster loan applications and answer questions at all New York State/FEMA disaster recovery centers and SBA business recovery centers. Survivors can receive an update on the status of a loan application by calling 800-659-2955 (TTY 800-877-8339 for the deaf and hard-of-hearing).

To find the nearest disaster recovery center, check out the disaster recovery center locator at www.FEMA.gov/disaster-recovery-centers or, with a tablet or smartphone, go to m.fema.gov. Another option is to text “DRC” and a Zip Code to 43362 (4FEMA). Or call 800-621-3362 (TTY 800-462-7585).

More information is available by calling the SBA Disaster Customer Service Center toll-free number, 800-659-2955 (TTY 800-877-8339). Assistance is also available by sending an email to DisasterCustomerService@sba.gov or by visiting www.sba.gov.                                                    

For more information on New York’s disaster recovery, visit www.fema.gov/SandyNY, www.twitter.com/FEMASandy, www.facebook.com/FEMASandy and www.fema.gov/blog.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

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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Building better and smarter can start with an SBA Disaster Loan

Elevating Your Home Above Future Flooding

NEW YORK – Hurricane Sandy survivors repairing their homes with an eye toward avoiding damage from future storms can take several steps to rebuild stronger and safer.

If you’re rebuilding in a high risk flood area, you may have to elevate your home to meet your community’s minimum elevation regulations for construction. This will avoid future severe weather damage.

What are the rules for elevation?

You must follow local building codes and get the proper permits when rebuilding. This will not only make your home safer but will save money on federal flood insurance.

It is necessary to check with local building officials before rebuilding in a flood zone because they are responsible for knowing the elevation requirements, even in areas where the base flood elevation has not been established. Rebuilding higher than the minimum requirement is always a wise decision.

Are there any programs available to assist with construction cost?

Eligible homeowners who have National Flood Insurance Program policies and whose homes were substantially damaged may be eligible for Increased Cost of Compliance (ICC) coverage of up to $30,000. This can pay all or part of the cost to elevate your home to the current effective Base Flood Elevation, which is the estimated level that floodwaters would reach.

You may be eligible for ICC coverage if your local floodplain building official determines either:

  • Your property is substantially damaged, meaning that the cost to repair the flood damaged property is 50 percent or more of its pre-disaster market value.
  • Your property sustained repetitive damage, meaning that flood damage occurred twice in the past 10 years, and the cost of repairing the flood damage, on average, equaled or exceeded 25 percent of the property market value at the time of each flood. Also, those two flood damage events must have resulted in flood insurance claim payments, and the community’s floodplain management ordinance must have a repetitive loss provision.

What are other programs that offer help with elevation costs?

The U.S. Small Business Administration offers loans to private nonprofits, businesses and homeowners for mitigation improvements including building elevation, retaining walls, seawalls, sump pumps and relocating utilities. The loan can be increased up to an additional 20 percent of the initial approved amount for these mitigation projects.

The deadline to apply for an SBA disaster loan is Feb. 27, 2013.

A simple way to complete the application is online, using the SBA’s electronic loan application. Go to https://DisasterLoan.SBA.gov/ELA. SBA customer service representatives are available to issue or accept low-interest disaster loan applications and answer questions at all New York State/FEMA disaster recovery centers and SBA business recovery centers. To locate the nearest business recovery center, visit www.sba.gov or call 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing).

Hazard Mitigation Grant Program (HMGP)

The State of New York administers the HMGP. While individuals are not eligible to apply directly to FEMA for HMGP funds, an eligible applicant or sub-applicant (e.g. state or local government) may apply for funding on your behalf to mitigate your home or other private structures under their jurisdiction. These applications are forwarded to the state for potential funding by FEMA. That mitigation can include elevating your home to meet flood insurance requirements. For more information, contact your local building officials about HMGP grants.

For more information on New York’s disaster recovery, visit www.fema.gov/SandyNY, www.twitter.com/FEMASandy, www.facebook.com/FEMASandy and www.fema.gov/blog.

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 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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Elevating Your Home Above Future Flooding

Nearly $1.6 billion provided by FEMA, SBA to New York Hurricane Sandy survivors

Nearly $1.6 billion provided by FEMA, SBA to New York Hurricane Sandy survivors

Main Content

Release date:

January 25, 2013

Release Number:

NR-151

NEW YORK — Federal disaster assistance to New York survivors of Hurricane Sandy totals almost $1.6 billion.

FEMA continues to reach out to all 13 counties designated for Individual Assistance, focusing on the hardest-hit areas. Assistance to residents in affected counties includes:

  • Bronx            $2.4 million
  • Kings            $191.1 million
  • Nassau          $280.6 million
  • New York       $13 million
  • Queens          $221.1 million
  • Richmond       $89.3 million
  • Suffolk            $64.8 million

FEMA and the U.S. Small Business Administration have approved almost $1.6 billion for Hurricane Sandy survivors in New York. FEMA has approved nearly $868 million for individuals and households, including more than $761 million for housing assistance and more than $106 million in assistance for other needs.

  • SBA has approved more than $667 million in disaster loans to homeowners and renters and nearly $44 million in disaster businesses loans. The SBA has staff members at every FEMA/State Disaster Recovery Center and 17 Business Recovery Centers in the New York area to provide one-on-one help to business owners seeking disaster assistance.
  • More than 264,000 New Yorkers have contacted FEMA for information or registered for assistance, including more than 143,000 who have applied through the online application site at www.DisasterAssistance.gov or on their smartphone at m.fema.gov.
  • 18 Disaster Recovery Centers are open in the affected areas. These include mobile sites as well as fixed sites. To date, nearly 140,000 survivors have been assisted at Disaster Recovery Centers in New York.          
  • 58 inspectors are currently in the field. To date, 174,472 home inspections have been completed, making a 99.4 percent completion rate.
  • 13 New York counties are designated for both Individual Assistance and Public Assistance. These are Bronx, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Sullivan, Ulster and Westchester. Greene County has been designated for Public Assistance only.
  • Nearly $1.7 billion has been paid to National Flood Insurance Program policy holders in New York for losses resulting from Sandy. The National Flood Insurance Program, administered by FEMA, offers flood insurance to all homeowners, renters and business owners if their community participates in the NFIP.
  • Since Hurricane Sandy made landfall, FEMA has provided more than $519 million in Public Assistance grants in New York State. The FEMA PA program reimburses state and local governments and certain private nonprofit organizations 75 percent of costs for disaster-related expenses associated with emergency protective measures, debris removal, and the repair and restoration of damaged infrastructure. In order to qualify, damage must be a direct result of Hurricane Sandy.

Individuals can register with FEMA online at www.DisasterAssistance.gov or via smartphone or tablet at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585.

Applicants who use 711-Relay or Video Relay Services (VRS) can call 800-621-3362. The toll-free telephone numbers are available from 7 a.m. to 1 a.m. EST, seven days a week.

Last Updated:

January 25, 2013 – 16:36

State or Region:

New York

Related Disaster:

New York Hurricane Sandy

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Nearly $1.6 billion provided by FEMA, SBA to New York Hurricane Sandy survivors

SBA Disaster Loan Important for Homeowners and Renters

NEW YORK – Of the more than 161,000 low-interest U. S. Small Business Administration disaster loan applications sent to New York’s Hurricane Sandy survivors, fewer than 34,000 have been completed and returned.

SBA loans represent a major source of federal funding for disaster home repair and reconstruction. Applicants are urged to complete and return their applications as soon as possible.

Most SBA disaster loans go to individuals and families, and interest rates may be as low as 1.688 percent with terms up to 30 years.

The deadline for New York’s Hurricane Sandy survivors to apply for both FEMA assistance and an SBA loan is Jan. 28, 2013.

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

  • Your homeowner insurance settlement falls short. You may find out that you were under-insured for the amount of work it will take to repair or replace your damaged home. An SBA low-interest loan can cover the uninsured costs. By submitting the loan application, you may have loan money available when it is needed most. SBA can approve a loan for the repair or replacement of your home up to $200,000. Once your insurance settles, you may apply those funds to your disaster loan. However, the opportunity for an SBA disaster loan may be lost if you wait past the application deadline.
  • SBA can work with an applicant to shape a loan that fits your personal budget. If you already have a mortgage on the damaged property, SBA specialists can work with you to come up with an affordable low-interest loan package. In some cases, SBA can refinance all or part of an existing mortgage when the applicant has sustained significant damage to their house.
  • SBA can help renters replace their essential items. Renters, as well as homeowners, may borrow up to $40,000 to repair or replace clothing, furniture, cars or appliances damaged or destroyed in the disaster.
  • By submitting your SBA loan application, you keep the full range of disaster assistance available as an option. If SBA does not approve a loan for you – or approves a small loan that doesn’t cover all of your needs – you may be referred to other programs that can provide 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 the loan application you received from SBA, the assistance process may stop.

It takes less than 30 minutes to fill out an application. A simple, fast, and very available way to complete the application is online, using the SBA’s electronic loan application. Go to https://DisasterLoan.SBA.gov/ELA. Plus, you can receive an update on the status of your application by calling 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing).

SBA customer service representatives are available to issue or accept low-interest disaster loan applications and answer questions at all New York State/FEMA disaster recovery centers and

SBA business recovery centers. To locate the nearest business recovery center, visit www.sba.gov or call 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing).

To find the nearest disaster recovery center, check out the disaster recovery center locator at www.FEMA.gov/disaster-recovery-centers or, with a tablet or smartphone, go to m.fema.gov. You may also text “DRC” and your Zip Code to 43362 (4FEMA). For example, if you lived in Staten Island, you would text:  “DRC 10301.” Or call 800-621-3362 (TTY 800-462-7585).

More information is available by calling the SBA Disaster Customer Service Center toll-free number, 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing). Assistance is also available by sending an email to DisasterCustomerService@sba.gov or by visiting www.sba.gov.

For more information on New York’s disaster recovery, visit www.fema.gov/SandyNY, www.twitter.com/FEMASandy, www.facebook.com/FEMASandy and www.fema.gov/blog.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

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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SBA Disaster Loan Important for Homeowners and Renters

Improve Protection Of Home Or Business With SBA Loan

TRENTON, N.J. — New Jerseyans may use low-interest disaster loans from the Small Business Administration to better protect their home or business structures from future disasters.

Home and business owners can choose to borrow up to an additional 20 percent of the approved loan amount for mitigation improvements including building elevation, retaining walls, seawalls, sump pumps and relocating utilities.

Survivors can indicate on their SBA loan applications that they want to apply for additional mitigation funds and specify how they would protect their home or business.

Homeowners can receive loans up to $200,000 to repair or replace damaged property while businesses can receive loans up to $2 million.

SBA disaster loans for building code requirements can increase the total of the loan up to 100 percent.

The deadline to apply for a low-interest SBA disaster loan is Jan. 30.

SBA is the primary source of federal funds for long-term rebuilding. In most cases, Federal Emergency Management Agency funds will not cover all of the repair needs of homeowners. Money for a temporary rental home is the form of help FEMA largely provides so obtaining a low-interest SBA disaster loan is a survivor’s best option for repairing their home, replacing property and mitigating their home.

For additional information on 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. SBA customer service representatives are available at all disaster recovery centers throughout the state. Centers can be found online at fema.gov/DRC.

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.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.

SBA’s Disaster Assistance Program provides long term, low-interest loans to homeowners, renters and businesses of all sizes. For more information, visit www.sba.gov. All SBA’s program and services are provided on a nondiscriminatory basis.

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Improve Protection Of Home Or Business With SBA Loan

There Are Plenty of Reasons to Apply for an SBA Disaster Loan

NEW YORK – The very reasons Hurricane Sandy survivors in New York find for not applying for a low-interest disaster loan from the U.S. Small Business Administration are the very reasons they should apply – on or before the Jan. 28 deadline.

“Oh I’m not eligible and I don’t own a business.”

Most SBA disaster loans go to individuals and families, and interest rates may be as low as 1.688 percent with terms up to 30 years. Loans to homeowners help pay for repair or replacement of their disaster-damaged primary residence. The loans also help homeowners and renters pay to replace disaster-damaged personal property.

“I don’t want a loan or can’t qualify for one.”

Filing the loan application does not obligate people to accept the loan, but individual and family applicants must still complete the SBA loan application before they can be considered for certain other FEMA grants and programs that could include assistance for disaster-related medical and dental expenses, disaster-related car repairs, clothing and household items. Completing the SBA application assures that the federal disaster recovery process continues and that you’re keeping your options open.

“It’s just too much trouble to fill out an application.”

It takes less than 30 minutes to fill out an application. Applicants can also receive one-on-one assistance at any Disaster Recovery Center or SBA Business Recovery Center. A simple, fast, and very available way to complete the application is online, using the SBA’s electronic loan application. Go to https://DisasterLoan.SBA.gov/ELA. Plus, you can receive an update on the status of your application by calling 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing).

“But I’m a renter not a homeowner.”

Renters who need to repair or replace essential items lost in Hurricane Sandy can get help from the SBA. Renters may qualify for long-term, low-interest SBA loans to repair or replace personal property items, such as clothing, furniture, cars, or appliances damaged or destroyed in the disaster.

“I’m going to wait for my insurance settlement.”

Survivors should not wait to settle with their insurance companies before applying for SBA disaster loan assistance. If a survivor does not know how much of their loss will be covered by insurance or other sources, 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. 

“I own the property but it’s not my primary residence.”

If your property is used as a normal part of your business, such as rental property, you may be eligible to apply as a business owner. We suggest you submit your application and let SBA make that determination.

“Why bother with SBA when I also need to raise or elevate my home.”

If your disaster loan application is approved, you may be eligible for additional funds to cover the cost of improvements that will protect your property against future damage. Examples of improvements include elevating your house, retaining walls, seawalls, sump pumps, etc.

“Our neighbors were turned down for an SBA loan and they make more than we do.”

Don’t make the mistake of eliminating yourself.  Everyone’s situation is unique to them and SBA will work with you if you feel you may have a problem qualifying for the loan.  Remember, if a homeowner or renter cannot qualify for the SBA loan, they will be referred back to FEMA for additional grant consideration.

SBA customer service representatives are available to issue or accept low-interest disaster loan applications and answer questions at all New York State/FEMA disaster recovery centers and

SBA business recovery centers. To locate the nearest business recovery center, visit www.sba.gov or call 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing).

To find the nearest disaster recovery center, check out the disaster recovery center locator at www.FEMA.gov/disaster-recovery-centers or, with a tablet or smartphone, go to m.fema.gov. You may also text “DRC” and your Zip Code to 43362 (4FEMA). For example, if you lived in Staten Island, you would text:  “DRC 10301.” Or call 800-621-3362 (TTY 800-462-7585).

Applicants may also apply online using the Electronic Loan Application via SBA’s secure website at https://DisasterLoan.SBA.gov/ELA. More information is available by calling the SBA Disaster Customer Service Center toll-free number, 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing). Assistance is also available by sending an email to DisasterCustomerService@sba.gov or by visiting www.sba.gov.

For more information on New York’s disaster recovery, visit www.fema.gov/SandyNY, www.twitter.com/FEMASandy, www.facebook.com/FEMASandy and www.fema.gov/blog.

Original source – 

There Are Plenty of Reasons to Apply for an SBA Disaster Loan

New Jersey Disaster and Business Recovery Centers to Close for Martin Luther King Jr. Holiday

TRENTON, N.J. — Disaster and business recovery centers in New Jersey will close for the Martin Luther King Jr. holiday Monday, Jan. 21.

The centers will return to normal hours of operation on Tuesday, Jan. 22. Disaster recovery centers are open Monday through Saturday from 9 a.m. to 7 p.m.

Six business recovery centers in Monmouth, Hudson, Essex, Passaic and Union counties are open 9 a.m. to 5 p.m. Monday through Friday.

  • The Ocean County center is open 10 a.m. to 6 p.m. Monday through Saturday.
  • The Cape May County center is open 8:30 a.m. to 4:30 p.m. Monday through Friday.
  • The centers in Atlantic and Bergen counties are open 9 a.m. to 7 p.m. Monday through Saturday.

Business recovery centers are staffed by SBA customer service representatives who provide help to businesses who suffered losses caused by Hurricane Sandy. To find a business recovery center visit SBA.gov.

To find the nearest disaster recovery center, the following options are available:

Survivors can visit any of the disaster recovery centers to meet with recovery specialists who can answer questions about disaster assistance and low-interest disaster loans from the Small Business Administration.

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.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.

SBA’s Disaster Assistance Program provides long term, low-interest loans to homeowners, renters and businesses of all sizes. For more information, visit www.sba.gov. All SBA’s program and services are provided on a nondiscriminatory basis.

Source article:  

New Jersey Disaster and Business Recovery Centers to Close for Martin Luther King Jr. Holiday

Two Weeks Left To Return SBA Disaster Loan Application, Register For Assistance

NEW YORK — Survivors of Hurricane Sandy in New York and New Jersey have less than two weeks to register for disaster assistance and to return their applications for low-interest disaster loans from the U.S. Small Business Administration.

The quickest way to apply for an SBA disaster home or business loan is filling out an online application at https://disasterloan.sba.gov/ela.

Ways to register with the Federal Emergency Management Agency:

  • Online at www.DisasterAssistance.gov
  • Via smartphone or tablet at m.fema.gov
  • Call the 24-hour numbers 800-621-3362 or (TTY) 800-462-7585
  • For 711-Relay or Video Relay Services (VRS) call 800-621-3362
  • A FEMA Language Assistance Line is available for those who need interpretation services in languages other than English or Spanish. Call: 866-333-1796.

Survivors must register or return the loan application by the deadline in their state.

Deadline for New York: Monday, Jan. 28, by midnight EST. Counties in NEW YORK designated for individual assistance include: Bronx, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Sullivan, Ulster and Westchester.

Deadline for New Jersey: Wednesday, Jan. 30, by midnight EST. ALL counties in NEW JERSEY are designated for individual assistance.

U.S. Small Business Administration

SBA is the primary source of federal funds for long-term rebuilding. In most cases, FEMA funds will not cover all of the repair needs of homeowners. Money for a temporary rental home is the form of help FEMA largely provides so obtaining a low-interest SBA disaster loan is a survivor’s best option for repairing their home and replacing property.

People can apply to SBA before settling with their insurance company – so there’s no need to wait. Applying by the deadline can avoid a shortfall in rebuilding money if survivors later discover they are underinsured.

By returning the SBA loan application, homeowners may be eligible for up to $200,000 to repair or replace their storm-damaged home. Homeowners and renters may be eligible for up to $40,000 for replacement of personal property such as clothing, furniture, cars and appliances.

There is no obligation to accept an SBA disaster home loan and homeowners and renters may become eligible for additional FEMA grants if they are not approved for a loan.

For businesses and private nonprofit organizations, the SBA may loan up to $2 million to repair or replace storm-damaged property.

For additional information on SBA, contact the customer service center by calling 800-659-2955

(for people who are deaf or hard of hearing TTY 800-877-8339), emailing disastercustomerservice@sba.gov or visiting sba.gov.

Federal Emergency Management Agency

FEMA may be able to help with disaster-related costs that are not covered by insurance. Survivors in designated counties are encouraged to apply for possible grant assistance for temporary housing, essential home repairs, personal property losses and other disaster-related needs not covered by insurance. People who have sustained a loss due to Hurricane Sandy should register even if they have insurance.

Affected survivors may visit a disaster recovery center for more information about FEMA and SBA assistance. For nearby locations, visit www.fema.gov/disaster-recovery-centers.

For more information on Hurricane Sandy recovery, visit:

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Two Weeks Left To Return SBA Disaster Loan Application, Register For Assistance

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