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SBA Loan Center to Offer Services in Milford

WINDSOR, Conn. — A U.S. Small Business Administration Disaster Loan Outreach Center will replace the FEMA-state Disaster Recovery Center at the former Simon Lake Elementary School, 65 Devonshire Road, Milford, CT, 06460.

The FEMA Disaster Recovery Center’s final hours will be from 9 a.m. to 6 p.m. through Friday, Dec. 21, and 9 a.m. to 1 p.m., Saturday, Dec. 22.

FEMA will still be available to help residents recover from Sandy. The FEMA helpline is available 24 hours a day, seven days a week, at 800-621-3362, to register for assistance, ask questions about an application or update contact information so FEMA knows how to reach you. For TTY, call 800-462-7585.

The SBA center will open in the same location at 9 a.m. Monday, Dec. 24. Hours for the SBA Center are 9 a.m. to 5 p.m., Monday through Friday, closed Christmas Day and New Year’s Day.

Homeowners, business owners and renters who had damage from Hurricane Sandy in one of the Connecticut counties designated for Individual Assistance should register for assistance from the Federal Emergency Management Agency.

If an applicant receives an application for a low-interest disaster loan from SBA as part of the registration package from FEMA, it is important this application be completed and returned. No survivor is required to take out an SBA loan, but completion of the SBA application may make the applicant eligible for further FEMA assistance.

Survivors can register online anytime day or night at www.DisasterAssistance.gov, or with a smartphone or other Web-enabled device at m.fema.gov. Survivors can also register or ask questions by phone anytime by calling FEMA at 800-621-3362. The TTY number is 800-462-7585. Multilingual operators are available 24 hours a day, seven days a week. Wait for the English message to finish to reach multilingual operators.

Registering for disaster assistance with other agencies or organizations does not register survivors for FEMA disaster assistance. Having FEMA flood insurance does not register policyholders for disaster assistance; flood insurance claims are handled separately.

Originally posted here:

SBA Loan Center to Offer Services in Milford

Help For Businesses Facing Economic Losses Caused By Hurricane Sandy

TRENTON, N.J. — For businesses struggling with losses from evacuations, power outages, damaged inventory and general economic loss caused by Hurricane Sandy, a variety of federal and state resources can help.

Small Business Administration

Economic Injury Disaster Loans from the U.S. Small Business Administration provide working capital to help small businesses, small agricultural cooperatives, small businesses engaged in aquaculture and most private nonprofit organizations. The loans help meet ordinary and necessary financial obligations that cannot be met as a direct result of the disaster.

These loans are intended to assist the business or nonprofit through the disaster recovery period. The money may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid if the disaster had not occurred. The loans are not intended to replace profits.

The loan amounts and terms are determined by the SBA.
The law authorizes a maximum term of 30 years.
Interest rates for loans for small businesses can be as low as 4 percent.
Interest rates for loans for eligible nonprofit organizations can be as low as 3 percent.
Businesses of all sizes are also eligible to apply for loans to cover their physical losses. The deadline for this type of loan is Dec. 31, 2012.

For additional information, call 800-659-2955 or TTY 800-877-8339, email DisasterCustomerService@SBA.gov or visit SBA.gov. Applicants may also apply online using the Electronic Loan Application via SBA’s secure website at DisasterLoan.SBA.gov/ELA.

Farm Services Agency

The Farm Services Agency offers a number of loans and grants to help producers recover from production and physical losses due to drought, flood, other natural disasters or quarantine. The FSA maintains 10 programs covering crop losses, livestock losses and damaged farm property. See disaster.fsa.usda.gov for more information.

Disaster Unemployment Insurance

The State of New Jersey requested and was granted federal unemployment insurance funds for Hurricane Sandy survivors. Self-employed entrepreneurs may qualify for disaster-related unemployment benefits. Survivors must first file a regular unemployment insurance claim with the state at njuifile.net. When and if that claim is denied, a claim may be filed for disaster-related unemployment benefits which have a different funding source. Read these FAQs for details.

N.J. Economic Development Authority

The N.J. Economic Development Authority can provide disaster survivors with access to capital, including tax-exempt and taxable bond financing, loans, loan guarantees, and business and tax incentives. For more information, visit www.njeda.com.

N.J. Business Action Center (One-Stop Shop)

This “One-Stop Shop” serves as an information clearinghouse for Hurricane Sandy business recovery assistance. The storm call center number is 866-534-7789. Visit www.state.nj.us/njbusiness/ for further information.

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.

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Help For Businesses Facing Economic Losses Caused By Hurricane Sandy

Disaster Recovery Center Offers Resources to Sandy Survivors

HUNT VALLEY, Md. – Residents in Somerset County affected by Hurricane Sandy can get first-hand information about disaster assistance and resources available to them directly from Federal Emergency Management Agency and Maryland Emergency Management Agency specialists at a Disaster Recovery Center.

The center will be open from 8 a.m. to 7 p.m. Monday through Saturday and 1 p.m. to 5 p.m. Sunday at the following location beginning Tuesday, December 18, 2012:

The Lower Somerset County Ambulance & Rescue Squad Building

#2 Mill Lane

Crisfield, MD 21817

Federal assistance can include grants to individuals for rental assistance and essential home repairs. Specialists can direct survivors to agencies that may be able to meet specific needs. Information is also available on rebuilding safer and stronger.

“You can register with FEMA by phone or online, so it isn’t necessary to go to a disaster recovery center,” Federal Coordinating Officer Mike Lapinski said. “However, if you want to speak with someone in person about assistance programs, eligibility or submitting documents to support a claim, we’re there for you.”

Representatives from the U.S. Small Business Administration will be available at the centers to assist survivors in completing their low-interest disaster loan applications and answer questions about the loan program available to homeowners and renters as well as businesses of all sizes and nonprofit organizations. For many people, a completed SBA loan application is necessary to be considered for some types of federal financial disaster assistance. People with home-based businesses or rental property affected by the storm may also be eligible for SBA loans.

Before going to a center, people with storm losses are encouraged to register with FEMA in any of the following ways:

Online www.disasterassistance.gov
By phone 1-800-621-FEMA (3362) or TTY 1-800-462-7585. If using 711 Relay or Video Relay Services, call 1-800-621-3362. Multilingual operators are available.
Tablet or smart phone m.fema.gov

For more information about this disaster, go to www.fema.gov/disaster/4091 or www.mema.maryland.gov

Disaster Recovery Center Offers Resources to Sandy Survivors

Don’t Wait for Insurance Settlement to Apply for an SBA Loan

NEW YORK – Survivors should not wait to settle with their insurance companies before applying for Small Business Administration disaster loan assistance. FEMA and the SBA encourage survivors of Hurricane Sandy in eligible New York counties to return their completed applications, even if they have not settled with their insurance company.

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.

“Your insurance policy may not cover all the replacement, repair and rebuilding costs – and the disaster loan is available to cover the difference. You don’t have to wait for an insurance settlement, though. If the insurance money covers damage that you’ve borrowed for, the overlap can be used to pay down the loan,” said Frank Skaggs, Director of SBA Field Operations Center East.

Disaster home and business loans are available to repair or replace disaster-damaged property, including contents. Economic Injury Disaster Loans are available for small businesses, small agricultural cooperatives, small businesses engaged in aquaculture and most private non-profit organizations of all sizes having difficulties meeting operating expenses because of the disaster.

Interest rates are as low as 1.688 percent for homeowners and renters, 3 percent for non-profit organizations and 4 percent for businesses with terms up to 30 years. Loan amounts and terms are set by the SBA and are based on each applicant’s financial condition.

“Our partnership with SBA is very important because they are a key step in recovery process,” said New York Federal Coordinating Officer Michael F. Byrne. “Survivors should make it a priority to return their application to SBA because even if they do not qualify for a loan, they may be eligible for other assistance.”

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 19 SBA business recovery centers. 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.” If you use a TTY, call 800-462-7585 directly; if you use 711 or Video Relay Service (VRS), call 800-621-3362. To locate the nearest business recovery center, visit www.sba.gov or call 800-659-2955 (TTY 800-877-8339.)

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 (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, http://twitter.com/FEMASandy, www.facebook.com/FEMASandy and www.fema.gov/blog.

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Don’t Wait for Insurance Settlement to Apply for an SBA Loan

Bridgeport Disaster Recovery Center to Close Saturday, Dec. 15, at 4 p.m.

WINDSOR, Conn. — The FEMA-state Disaster Recovery Center at the Housatonic Community College, 900 Lafayette Blvd., Bridgeport, will close at 4 p.m., Saturday, Dec. 15.

When the center closes, FEMA will still be only a mouse-click or a phone call away. Disaster survivors may also go to any other Disaster Recovery Center. For an updated list of DRCs, go to http://go.usa.gov/g2Td on the Web or text the letters DRC and your ZIP code to the number 43362.

Homeowners, business owners and renters who had damage from Hurricane Sandy in one of the Connecticut counties designated for Individual Assistance have until Dec. 31 to register for assistance from the Federal Emergency Management Agency.

If an applicant receives an application for a low-interest disaster loan from the U.S. Small Business Administration as part of their registration package from FEMA, it is important this application be completed and returned. No survivor is required to take out an SBA loan, but completion of the SBA application may make the applicant eligible for further FEMA assistance.

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.

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Bridgeport Disaster Recovery Center to Close Saturday, Dec. 15, at 4 p.m.

Nonprofits Should Notify the State of Damage in Case a Public Assistance Grant Is Needed

Certain private nonprofit organizations that experienced damage from Hurricane Sandy may qualify for reimbursement of certain costs under the Federal Emergency Management Agency’s Public Assistance program.

The program reimburses government entities, tribal nations and nonprofits for debris removal, emergency protective measures and permanent restoration of disaster-damaged infrastructure to pre-disaster condition.

Federal regulations separate nonprofits into two categories: critical facilities, such as schools, utility companies, emergency service companies and hospitals; and noncritical facilities, such as low-income housing, assisted living homes and rehabilitation programs. Both may apply for reimbursement of eligible expenses under the PA program.

However, noncritical facilities must also apply to the U.S. Small Business Administration for a low-interest disaster loan. If SBA declines the loan, or if the loan does not cover all eligible damage, FEMA may be able to provide cost-shared assistance.

Applicants submit their formal Request for Public Assistance to the state. For more information, nonprofit organizations should contact Connecticut’s Public Assistance program at 860-256-0801.

Fairfield, Litchfield, Middlesex, New Haven, New London, Tolland and Windham counties, and the Mashantucket Pequot and Mohegan Tribal Nations within New London County are designated for PA. The deadline for submitting a Request for Public Assistance to the state is Dec. 30.

Under the program, the state is the grantee, and the applicants are the subgrantees. In other words, FEMA grants the money to the state, which distributes the funds to the applicants after all documentation is received.

The U.S. Small Business Administration (SBA) 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.

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Nonprofits Should Notify the State of Damage in Case a Public Assistance Grant Is Needed

No Loss Of Benefits For New Jersey Seniors Receiving Disaster Aid

TRENTON, N.J. — Seniors who suffered losses when hurricane Sandy pummeled New Jersey don’t have to worry about being hit a second time if they receive disaster funds. FEMA disaster assistance is not counted as income, is not taxed, and has no effect on Social Security or other government benefits.

Federal Coordinating Officer, Michael J. Hall said, “When seniors get a check from FEMA, the Internal Revenue Service knows that it’s to help them get back to where they were before the storm. It is not counted as income. Older adults won’t have a penny of this assistance taxed or have any benefits cut.”

Seniors and others who had disaster related losses may apply for assistance online at www.DisasterAssistance.gov or by web enabled mobile device at m.fema.gov. By phone or 711/VRS, call 800-621-FEMA (3362) or TTY 800-462-7585.

Seniors are encouraged to call and register. A FEMA specialist will explain the types of help available and walk callers through the registration process. They are knowledgeable about the process and can answer their questions in a language they feel comfortable speaking.

State Coordinating officer, Lt. Jeff Mottley said, “If seniors receive an SBA application form after registering with FEMA, it’s very important for them to complete and return it. The application helps determine their eligibility for a wide range of disaster relief programs. It’s not just for a loan.”

New Jersey seniors affected by the storm can find out how to apply for an SBA loan by calling 800-659-2955 or by visiting www.sba.gov/disaster. For more information about other elder care issues, call the national referral service, Eldercare Locators, at 800-677-1116.

SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. These disaster loans cover uninsured and uncompensated losses and do not duplicate benefits of other agencies or organizations.

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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No Loss Of Benefits For New Jersey Seniors Receiving Disaster Aid

Greenwich Disaster Recovery Center to Close Wednesday, Dec. 12, at 6 p.m.

WINDSOR, Conn. — The FEMA-state Disaster Recovery Center at the Western Greenwich Civic Center, 449 Pemberwick Road, Room 203, Greenwich, 06831, will close at 6 p.m., Wednesday, Dec. 12.

When the center closes, FEMA still will be only a mouse-click or a phone call away. Disaster survivors may also go to any other Disaster Recovery Center. For an updated list of DRCs, go to http://go.usa.gov/g2Td on the Web or text the letters DRC and your ZIP code to the number 43362.

Survivors can register online anytime day or night at www.DisasterAssistance.gov, or with a smartphone or other Web-enabled device at m.fema.gov. Survivors can also register or ask questions by phone anytime by calling FEMA at 800-621-3362. The TTY number is 800-462-7585. Multilingual operators are available 24 hours a day, seven days a week. Wait for the English message to finish to reach multilingual operators.

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Greenwich Disaster Recovery Center to Close Wednesday, Dec. 12, at 6 p.m.

Los Estafadores Intentan Aprovecharse De Los Sobrevivientes Del Desastre

TRENTON, N.J. – Los fraudes y estafas son males conocidos que aparecen luego de cualquier desastre. Con métodos viejos y modernos, los estafadores buscan obtener información muy importante o aprovecharse de los sobrevivientes ocupados en su recuperación.

Los residentes de New Jersey deben mantenerse alerta. Algunos de los fraudes más comunes luego de un desastre incluyen:

Estafas por reparaciones en la vivienda

Contratistas para la mejora de viviendas no registrados pueden llevarse el dinero de los sobrevivientes, dejando, en su huida, reparaciones inconclusas y viviendas inseguras. Antes de contratar a un contratista, el sobreviviente debe informarse con la oficina del Departamento de Defensa al Consumidor de New Jersey, llamando al número 800-242-5846, para asegurarse de que el contratista está registrado. También debe solicitar la póliza de seguro de responsabilidad civil del contratista y verificar que sea válida. Todos los contratos deben realizarse por escrito y revisarse antes de firmarlos. Tampoco se debe pagar el total de las reparaciones antes de que los trabajos sean concluidos.

Se debe notificar al departamento de policía local sobre las sospechas de fraude.

Aumento ilegal de precios

Los aumentos excesivos de precios son ilegales. Infórmese con la oficina del Departamento de Defensa al Consumidor de New Jersey en el sitio www.NJConsumerAffairs.gov o llame al número 800-242-5846 si sospecha que los precios son demasiado altos.

Robo de identidad

Algunas personas pueden hacerse pasar por empleados de la Agencia Federal para el Manejo de Emergencias (FEMA, Federal Emergency Management Agency) u otras organizaciones gubernamentales, como la Agencia Federal para el Desarrollo de la Pequeña Empresa (SBA, U.S. Small Business Administration), o servicios públicos. Los estafadores, que estén yendo de puerta en puerta por las viviendas dañadas, por teléfono o por Internet, pueden intentar obtener información personal como el número de Seguro Social o números de cuentas bancarias.

Recuerde:

Una playera o chaqueta de FEMA o SBA no es prueba suficiente de la afiliación de alguien con estas agencias. Todo el personal autorizado de FEMA y SBA tienen una identificación oficial laminada y con foto que deben llevar de forma visible todo el tiempo;
Los individuos pueden inscribirse para recibir asistencia y realizar un seguimiento de sus solicitudes anteriores en línea en el sitio DisasterAssistance.gov/espanol o a través de un dispositivo móvil que permita el acceso a Internet en el sitio m.FEMA.gov/esp. Por teléfono o a través de las líneas 711/VRS, llamando al 800-621-3362 o TTY 800-462-7585;
Para las llamadas de seguimiento, un representante de FEMA sólo pedirá los últimos cuatro dígitos del número de Seguro Social del solicitante.

Sobornos o pagos falsos

Los impostores pueden requerir alguna forma de pago por servicios o sobornos – algo que FEMA, SBA o el empleado de una agencia federal nunca requerirá. Los inspectores de vivienda contratados por FEMA evalúan los daños pero no estiman los costos. FEMA no contrata o recomienda contratistas específicos para reparar las viviendas o recomienda reparaciones.

Los estafadores pueden presentarse como especialistas en seguros o gestores que declaran que pueden convencer a FEMA para aumentar la ayuda de las reparaciones en la vivienda o convencer al seguro de pagar un acuerdo más alto. Los estafadores le piden al solicitante o persona asegurada que firmen un contrato donde establecen que les pagarán un porcentaje del pago incrementado. La esencia del fraude consiste en llevarse un porcentaje del subsidio por daños o acuerdo con el seguro que se les proporcionaría normalmente a los sobrevivientes. FEMA siempre negocia directamente con cada solicitante y siempre está dispuesta a considerar una apelación y enviar a otro inspector a revisar los daños en la propiedad dañada o las pérdidas declaradas.

Fraudes de caridad

Antes de realizar una donación, las personas deben investigar a las organizaciones para asegurarse de que están registradas para recaudar fondos en New Jersey. También deben preguntar cómo se va a utilizar el dinero recaudado.

Para más preguntas, los residentes de New Jersey pueden ponerse en contacto con la oficina del Departamento de Defensa al Consumidor de New Jersey en el sitio www.NJConsumerAffairs.gov o llamando al 800-242-5846.

La misión de FEMA es apoyar a los ciudadanos y a las agencias de primera respuesta para garantizar que trabajemos juntos como nación para desarrollar, mantener y mejorar nuestra capacidad de prepararnos, protegernos, y recuperarnos de los peligros, responder ante ellos y mitigarlos.

Siga a FEMA en línea en www.fema.gov/blog, www.twitter.com/fema, www.facebook.com/fema, y www.youtube.com/fema. También, siga las actividades de administrador Craig Fugate en www.twitter.com/craigatfema.

Los enlaces a redes sociales se proporcionan solamente a manera de referencia. FEMA no endosa ninguna página de Internet, compañía o aplicación no gubernamental.

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Los Estafadores Intentan Aprovecharse De Los Sobrevivientes Del Desastre

Recovery Centers To Close In Western New Jersey Counties

TRENTON, N.J. — Nine Disaster Recovery Centers in the western area of New Jersey will be closing over the next week and a half.

State and federal officials have been paying close attention to how many applicants are visiting centers throughout the state. Over the past weeks, the number of individuals seeking help at DRCs in the western counties has dropped, indicating the information needs of survivors in the area have mostly been met.

Disaster specialists encourage applicants in western New Jersey to visit these centers while they are open. After these centers close, an applicant may go to any DRC, even if it is located in another county or state.

Final schedules are as follows:

Cumberland, Mercer and Morris DRCs are open this week through Saturday, Dec. 8 from 9 a.m. to 7 p.m., closing Dec. 8 at 7 p.m.

Burlington, Gloucester and Warren DRCs will be open Monday through Wednesday, Dec. 10-12 from 9 a.m. to 7 p.m., closing Dec. 12 at 7 p.m.

Salem, Somerset and Sussex DRCs will be open Thursday through Saturday, Dec. 13-15 from 9 a.m. to 7 p.m., closing Dec. 15 at 7 p.m.

DRCs allow residents to speak one-on-one with recovery representatives. FEMA program specialists are available to provide registration and other information, and to answer questions at the centers. These include mitigation specialists who can provide guidance on cost-effective rebuilding and repair techniques to reduce property damage in future disasters.

In addition to FEMA program specialists, customer service representatives from the U.S. Small Business Administration (SBA) are available to answer questions about the SBA low-interest disaster loan program, and to assist with disaster loan applications.

DRC locations may change. The nearest open offices can be found online at FEMA.gov/DRC.

It is not necessary to visit a center to receive disaster assistance.

Individuals can register for assistance and follow up on their applications online at DisasterAssistance.gov, or by web-enabled mobile device at m.FEMA.gov. By phone or 711/VRS, call 800-621-FEMA (3362) or TTY 800-462-7585.

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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Recovery Centers To Close In Western New Jersey Counties

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