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Fight Disaster-related Fraud by Insisting on Seeing Identification

WINDSOR, Conn. — Hurricane Sandy survivors beware: There may be con artists trying to get their hands on your disaster assistance money or personal financial information.

After a disaster, crooks may pretend to be employed by FEMA or the U.S. Small Business Administration. They may try to obtain personal information such as Social Security and bank account numbers or they may promise to increase your disaster assistance grant for a fee, something a federal employee would never do.

Some consumer safety tips to remember:

There is never a fee to apply for FEMA assistance or to receive it;
There are no fees for FEMA or SBA property damage inspections; and
Government workers never ask for payment to perform their duties.

Asking to see identification is a disaster survivor’s best defense against such criminals and scam artists. All authorized federal personnel are required to wear photo IDs at all times. A FEMA or SBA shirt or jacket is not proof of affiliation with these agencies.

All government- or contractor-issued ID badges should be produced by the bearer without hesitation or reluctance. A FEMA contract inspector who comes to your home will be able to provide your FEMA registration number.

If private insurance adjusters and local building code inspectors visit your property, they should also be able to provide identification on demand.

Anyone suspecting fraud should call the FEMA Disaster Fraud Hotline at 866-720-5721. Complaints may also be made to local authorities or the Connecticut Department of Consumer Protection at www.ct.gov/dcp or by calling 800-842-2649 (in the Hartford area, call 860-713-6110).

Contractor fraud can also be a problem after a disaster. Remember these tips before signing a home repair contract:

Get three written estimates; then check each contractor’s credentials and references. Contact the Better Business Bureau or local chamber of commerce to see if there are outstanding complaints against the contractor;
Obtain a written contract detailing all work to be performed, costs, a projected completion date, and procedures to negotiate changes and settle disputes;
Any guarantees should be in writing.

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 800-621-3362. For TTY, call 800-462-7585.

The U.S. Small Business Administration is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps homeowners, renters, businesses of all sizes, and private, nonprofit organizations fund repairs or rebuilding efforts and covers 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.

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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Fight Disaster-related Fraud by Insisting on Seeing Identification

Answers to the Most Commonly Asked Disaster Aid Questions

NEW YORK – As the Jan. 28, 2012 deadline to register for FEMA assistance approaches in New York, recovery officials want to make sure survivors have all the information they need about disaster aid.

New York’s Federal Coordinating Officer for Hurricane Sandy, Michael Byrne, hosted the first of a series of ‘live’ chats on Twitter this week to address questions and concerns about disaster assistance, tweeting about FEMA’s Hazard Mitigation Program, Disaster Unemployment Assistance and housing repair grants in the one-hour session. He will be doing additional chat sessions in the coming weeks. Keep following @FEMASandy for the latest information on the next chat.

Following are some of the most commonly asked disaster aid questions, (in more than 140 characters). For additional Q&As, go to www.fema.gov/SandyNY.

INDIVIDUAL ASSISTANCE

I submitted my papers for disaster assistance but have not heard anything, how long does it take to hear back?

If you submitted an application for assistance due to damage to your home, a FEMA-contracted inspector should contact you to schedule an appointment within 10 days of registering. If you are seeking other forms of assistance, and you have completed and mailed in your SBA disaster loan application, you should receive an eligibility letter within 10 days of returning your paperwork. If 10 days have passed and you haven’t heard from us, call the FEMA toll-free Helpline 800-621-3362 (TTY 800-462-7585.)

If you were asked to provide additional documentation and did so and have not heard back, call the helpline as well.

How can I extend my FEMA rental assistance?

To receive additional temporary rental assistance, you must complete the Continuing Need form with all the applicable information and mail it back to us at the address printed on the form. If you don’t have the form, contact FEMA’s toll-free Helpline.

Answers to the Most Commonly Asked Disaster Aid Questions – Page 2

NATIONAL FLOOD INSURANCE PROGRAM

What should I do if I’m still waiting on my flood insurance settlement?

Contact your claims adjuster or carrier to see if you may be eligible for an expedited flood insurance payment to cover repairs of your home’s mechanicals damaged in the disaster. You

can call the NFIP Help Center 800-427-4661 to address questions about your flood insurance claim or payment.

Why am I required to build above the minimum elevation requirement?

Each community develops their own local building requirements. You should contact your community’s floodplain manager to discuss elevation requirements for your property. Elevation requirements are meant to protect your home from future flood damages. In general, if your home is located in a high-risk area, the higher you build above the base flood elevation, the lower your premium and potential for flood damage.

To find out how you need to build contact your community’s floodplain manager who can help you walk through the elevation requirements for your property. His/her contact information is usually available on your city government web site.

MITIGATION: REBUILDING BETTER AND STRONGER

Is there money available to elevate/mitigate my home?

There may be assistance available to help you mitigate your home.

If you applied for a Small Business Administration (SBA) loan and it was approved, you may be eligible for additional funds to cover the cost of improvements – such as elevating your home – to protect your property against future damage. Contact SBA at 800-659-2955 (TTY 800-877-8339) or e-mail disastercustomerservice@sba.gov for more information.
If you already had a flood insurance policy before the storm, and your home was substantially damaged, you may be eligible to receive up to $30,000 in increased cost of compliance coverage to elevate your home after you file your claim. Talk to your insurance agent to determine if you’re eligible.
FEMA provides hazard mitigation grants to states for activities such as structure elevation, property acquisition, and flood proofing. The state determines which activities will be funded with hazard mitigation grants. To learn more about these grants, visit www.fema.gov/hazard-mitigation-assistance or contact your local floodplain manager for more details.

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.

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Answers to the Most Commonly Asked Disaster Aid Questions

For Rapid Response To Disaster Loan Application, Apply Online

TRENTON, N.J. — The quickest way to get a Small Business Administration disaster loan approved is filling out an online application.

The online application is the most user-friendly way for homeowners, renters and business survivors of Hurricane Sandy to request a loan from the SBA. An electronic loan application is a convenient alternative to visiting a disaster recovery center or mailing a paper loan application.

Regardless of the method, the deadline is the same: Jan. 30, 2013.

There’s no guess work with an online application. The program checks for errors and prompts for more information when needed. To apply online, visit https://disasterloan.sba.gov/ela.

The long-term, low-interest loans are designed to fund repairs to and replacement of homes, personal property and businesses. About 85 percent of all SBA disaster loans go to homeowners and renters.

Interest rates are as low as 1.688 percent for homeowners and renters and 4 percent for businesses, with a maximum of 30-year repayment terms.

SBA disaster loans are the primary form of federal assistance for homeowners, renters and businesses of all sizes.

For additional information, contact an 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. The centers can be found online at http://www.fema.gov/disaster-recovery-centers.

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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For Rapid Response To Disaster Loan Application, Apply Online

FEMA Aid Registration Extended, Federal Support More than $9.8 Million in R.I.

WARWICK, R.I. – With total federal support to date for Hurricane Sandy damage in the The Ocean State now exceeding $9.8 million, the Federal Emergency Management Agency has extended the deadline for Rhode Islanders with losses from Sandy to register for assistance until February 13.

The following is a summary as of January 10, 2013, of federal support for individuals, families and public entities with losses from Hurricane Sandy:

590 households have registered with FEMA for some form of disaster assistance, including financial grants, loans and other disaster-related services.
$368,374 has been approved in grants to cover repairs to homes and rental assistance
$22,086 has been approved to help Rhode Islanders with other disaster-related needs such as lost personal property and loss of transportation.
71 applicants have requested aid from the Public Assistance Program. For these applicants FEMA has prepared 97 separate public assistance projects totaling $2,370,404, of which $347,793 has already been obligated to the state to reimburse local, county, and state government entities and
$631,400 in low interest, disaster recovery loans to homeowners has been approved by the U.S. Small Business Administration.
The National Flood Insurance Program estimates that approximately 1,000 claims have been filed related to Superstorm Sandy in Rhode Island and around $6.5 million has been paid out to survivors.

Rhode Islanders have until midnight February 13 to register online at www.DisasterAssistance.gov or via smartphone at m.fema.gov. Individuals may also register by calling FEMA at 800-621-FEMA (3362) daily from 8 a.m. to 10 p.m. Multilingual recovery specialists are available. Those with a speech disability or hearing loss who use a TTY can call 800-462-7585 directly; or 800-621-3362 if using 711 or Video Relay service.

FEMA-state assistance may include grants for temporary housing and home repairs, uninsured vehicle damage, lost or damaged personal property and many other costs incurred because of Hurricane Sandy. Even people who have insurance may qualify for FEMA aid to help with expenses their insurance does not cover, such as temporary housing during home repairs.

Low interest disaster loans are vital to full recovery for many who had storm damage. The U.S. Small Business Administration provides these loans, not just for small businesses, but also for homeowners, renters, businesses of any size and some private nonprofits to cover uncompensated real or personal property losses. The deadline to apply for an SBA loan is February 13.

SBA disaster loan information and application forms may be obtained by calling the SBA’s Customer Service Center at 800-659-2955 (800-877-8339 for people with speech or hearing disabilities) Monday through Friday from 8 a.m. to 6 p.m. and Saturday and Sunday from 8 a.m. to 4:30 p.m. or by sending an e-mail to disastercustomerservice@sba.gov. Applications can also be downloaded from www.sba.gov or completed on-line at https://disasterloan.sba.gov/ela/

Rhode Islanders who lost income because of Hurricane Sandy and are ineligible for regular unemployment benefits may be eligible for special disaster unemployment benefits. The deadline to apply is February 4, 2013. File a claim online at http://www.dlt.ri.gov/ui/.

Find tweets about Sandy recovery at www.twitter.com/femaregion1. For Rhode Island specific information go to http://www.fema.gov/disaster/4089. Other online resources include http://blog.fema.gov, www.facebook.com/fema and www.youtube.com/fema.

FEMA’s temporary housing assistance and grants for medical and dental expenses, 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 Aid Registration Extended, Federal Support More than $9.8 Million in R.I.

SBA Business Recovery Center has Moved to Bergen County Plaza

TRENTON, N.J. — The Small Business Administration’s business recovery center in Bergen County has relocated.

The center at the Bergen Community College has relocated to the Federal Emergency Management Agency’s disaster recovery center in the Bergen County Plaza.

The business recovery center is staffed by SBA customer service representatives who provide help to business owners seeking disaster assistance for losses caused by Hurricane Sandy. Individuals can also receive help at the facility.

The center is located at the following address:

Bergen County

Bergen County Plaza

1 Bergen Plaza 4^th Floor

Hackensack, NJ 07652

Hours: Monday through Saturday, from 9 a.m. to 7 p.m.

Interest rates for SBA disaster loans are as low as 1.688 percent for homeowners and renters; 4 percent for business loans for physical losses and economic injury (working capital) and 3 percent for nonprofit organizations with terms up to 30 years. Loan amounts and terms are set by the SBA and are based on each applicant’s financial condition.

Applicants may apply online using the electronic loan application via SBA’s secure website at https://disasterloan.sba.gov/ela. For more information about the SBA’s disaster loan program, visit its website at www.sba.gov.

Additional details about the loan application process can be obtained by calling the SBA Customer Service Center at 800-659-2955 (or 800-877-8339) or by sending an email to disastercustomerservice@sba.gov.

The deadline for registering with FEMA and for filing SBA loan applications is Jan. 30. The deadline for filing an SBA application only for economic injury is July 31.

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.

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SBA Business Recovery Center has Moved to Bergen County Plaza

Three Weeks Left to Register for Disaster Assistance

NEW YORK – The Jan. 28 deadline is approaching for Hurricane Sandy survivors in 13 designated New York counties to register with the Federal Emergency Management Agency for disaster assistance.

FEMA

Federal disaster assistance for individuals and families can include money for rental assistance, essential home repairs, personal property losses and other serious disaster-related needs not covered by insurance.

Nearly 261,000 New Yorkers have contacted FEMA for help or information and more than $827 million in total individual assistance grants has been approved.

The deadline affects Sandy survivors living in counties designated for individual assistance: Bronx, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Sullivan, Ulster and Westchester.

Ways to register with FEMA:

Register online at www.DisasterAssistance.gov.
Via smartphone or tablet at m.fema.gov.
Call 800-621-3362 or (TTY) 800-462-7585.
For 711-Relay or Video Relay Services (VRS) call 800-621-3362.
The toll-free telephone numbers operate 24 hours a day seven days a week until further notice.

The U.S. Small Business Administration

Survivors who have registered with FEMA and received a loan application from the SBA are urged to complete and return it. The information could lead to other FEMA help. No one is required to accept a loan.

SBA has approved more than $420 million in loans for homes and businesses.

The deadline to return the SBA application is Jan. 28, the same as the deadline for registering with FEMA.

SBA assistance includes:

Home Disaster Loans – Loans to homeowners or renters to repair or replace disaster-damaged real estate or personal property. Renters are eligible for personal property losses, including automobiles.
Business Disaster Loans – Loans to businesses to repair or replace disaster-damaged property, including real estate, inventories, supplies, machinery and equipment. Businesses of any size may apply. Certain private, non-profit organizations may also be eligible.
Economic Injury Disaster Loans – Working capital loans to help small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private, nonprofit organizations meet their ordinary financial obligations that cannot be met because of the disaster. The deadline for economic injury loan applications is July 31.

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

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Three Weeks Left to Register for Disaster Assistance

Insured Should Apply for Disaster Assistance

HUNT VALLEY, Md. — Individuals, who suffered damage from Hurricane Sandy that occurred October 26 through November 4, and were insured, may still be eligible for disaster assistance from the Federal Emergency Management Agency (FEMA).

“If you were uninsured or your insurance policy did not cover some of your disaster-related damages or losses, FEMA may be able to help,” Federal Coordinating Officer Mike Lapinski said. “If your insurance company did not fully cover your losses, take the first step and register with FEMA.”

To register or get further information, call – 1-800-621-FEMA or TTY 1-800-462-7585. For more information about this disaster, go to www.fema.gov/disaster/4091, www.mema.maryland.gov, www.sba.gov/services/disasterassistance.

Somerset County residents affected by Hurricane Sandy also can apply for federal assistance through a web-enabled mobile device or smartphone. Visit m.fema.gov and follow the link to apply online for federal assistance and other recovery help.

Even if disaster victims have insurance, they may be eligible for disaster assistance. In order to complete the application for assistance, however, FEMA will need the resident’s insurance settlement information to avoid any duplication of benefits.

“Disaster assistance is designed to cover uninsured and under-insured disaster-related losses, but cannot duplicate services and funds compensated by insurance claim or provided by another assistance program,” Maryland Emergency Management Agency’s (MEMA) Executive Director, Ken Mallette, said.

The disaster programs available include grants for temporary housing and repairs to make a home safe and sanitary, low-interest loans from the U.S. Small Business Administration (SBA) for homeowners, renters or business owners and other aid programs.

Uninsured and underinsured losses that may be covered by SBA low-interest loans include debris removal from personal property, damaged and destroyed fences, tree trimming services, tree replacement, damaged and destroyed sheds and other outbuildings and landscaping losses.

FEMA disaster assistance covers basic needs only and will not normally compensate you for your entire loss. If you have insurance, the government may help pay for basic needs not covered under your insurance policy. Residents should contact their insurance agent first, then if they have unmet needs they should call FEMA to apply.

Some disaster aid does not have to be paid back, while other forms of help may come in the form of loans. The FEMA representative will explain the details to you when you call. Once you have registered with FEMA, you will receive a nine digit Identification Number; if you have not received this number you have not formally registered and need to contact FEMA at 1-800-621-3362 to obtain your registration number.

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Insured Should Apply for Disaster Assistance

FEMA Aid Will Not Affect Senior Citizens’ Benefits

WARWICK, R.I. – Rhode Island senior citizens who receive federal disaster assistance for losses due to Hurricane Sandy will still be able to receive all their other federal benefits-and they need not worry about having to pay any additional taxes.

“We want to assist seniors affected by Hurricane Sandy,” said Federal Coordinating Officer James N. Russo, who leads the Federal Emergency Management Agency’s Sandy recovery mission in Rhode Island. “We can’t do that if they fear that asking for help will impact their other benefits or raise their taxes.”

Federal disaster assistance does not affect Social Security payments, Medicare benefits, food stamps or any other federal assistance programs.. The Internal Revenue Service does not consider it taxable income.

Seniors and others who experienced damage from Sandy may be eligible for FEMA’s Individual Assistance Program. This may cover expenses for temporary housing, home repairs, replacement of damaged personal property and other disaster-related needs, such as medical, dental or transportation costs, not covered by insurance or other programs.

To determine whether they are eligible for disaster recovery help from FEMA, seniors and others must register. Go online to www.DisasterAssistance.gov or to m.fema.gov if using a smartphone or call 800-621-FEMA (3362), 24 hours a day, seven days a week. Those who are deaf, hard of hearing or who have a speech disability may use TTY 800-462-7585.

After registering with FEMA, applicants may receive a packet from the U.S. Small Business Administration (SBA). SBA loans are not just for small businesses. After a federally declared disaster, the SBA offers low-interest disaster recovery loans for homeowners and renters. No one is obligated to take out a loan. But if you don’t complete the application, you will not be considered for some other federal grants.

Some seniors with paid-off mortgages may wonder why they would want a long-term government loan. But if they need funds to restore their homes to pre-disaster condition, a low-interest loan from the federal government may be the best solution. The SBA offers disaster loans up to $200,000 to repair or replace homes and up to $40,000 to homeowners and renters for personal property losses. Interest rates are as low as 1.688 percent.

Find tweets about Sandy recovery at @femaregion1. For Rhode Island specific information go to http://www.fema.gov/disaster/4089. Other online resources include @FEMASandy and http://www.facebook.com/home.php#!/FEMASandy and http://blog.fema.gov.

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FEMA Aid Will Not Affect Senior Citizens’ Benefits

Less than Two Weeks left for Rhode Islanders to Seek Aid for Sandy Losses

Less than Two Weeks left for Rhode Islanders to Seek Aid for Sandy Losses

WARWICK, R.I. — Time is running out for anyone hit with losses from Hurricane Sandy to seek state-federal disaster recovery assistance. The deadline to register with the Federal Emergency Management Agency is Monday, January 14.

“Don’t assume you wouldn’t qualify for assistance,” said FEMA’s Federal Coordinating Officer James N. Russo. “Let us figure that out. We want to ensure that everyone who is eligible receives help. If Sandy caused you any kind of losses–regardless of whether you are a property owner, renter, have already cleaned up or made repairs or have insurance–call or go online and register now.”

FEMA-state assistance may include grants for temporary housing and home repairs, uninsured vehicle damage, lost or damaged personal property and many other costs incurred because of Hurricane Sandy.

State and federal officials particularly want to remind anyone who has insurance, including flood insurance, to go ahead and register with FEMA. Once you are registered, you can go back to FEMA down the road for help if insurance shortfalls result in uncompensated losses. But if you don’t register before the deadline, FEMA will not be able to help you cover those losses. Registration keeps the financial assistance option open.

Register online at www.DisasterAssistance.gov or via smartphone at m.fema.gov or by calling toll-free 800-621-FEMA (3362). The phone line is open from 8 a.m.–10 p.m. Multilingual recovery specialists are available. Those with a speech disability or hearing loss who use a TTY can call 800-462-7585 directly; or 800-621-3362 if using 711 or Video Relay Service. Rhode Islanders with questions about federal disaster assistance or their registration may call 800-621-3362 and select the “help” option.

Low interest disaster loans are vital to full recovery for many who had storm damage. The U.S. Small Business Administration provides these loans, not just for businesses, but also for renters, homeowners, businesses of any size and private non-profits to cover uncompensated real or personal property losses. The deadline to apply for an SBA loan is Tuesday, January 15.

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Less than Two Weeks left for Rhode Islanders to Seek Aid for Sandy Losses

I Started By Calling FEMA, Why Did I End Up With The SBA

TRENTON, N.J. — Some Hurricane Sandy survivors who ask for disaster assistance wonder why they receive applications for loans from the U.S. Small Business Administration.

Receiving an SBA loan application is part of the process that begins when survivors register with the Federal Emergency Management Agency for help after a disaster.

Applications of those registering with FEMA are evaluated, based on the information they supply, for available disaster assistance. This includes money for essential repairs or replacement of homes and personal property, such as automobiles, lost as a result of the disaster.

Those found to be eligible for SBA’s low-interest, long-term loans are sent applications. The applications for SBA loans must be returned by Jan. 30, 2013.

Filling out and returning the SBA documents does not obligate the survivor to accept a loan, if offered. But completing the application is a necessary step for those needing money for more than housing assistance.

FEMA’s Individual Assistance program can provide grants to repair or replace personal property items such as clothing, furniture, cars or appliances damaged or destroyed in the disaster.

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.

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I Started By Calling FEMA, Why Did I End Up With The SBA

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