June 8, 2015 1:02 am
• Apply online at DisasterAssistance.gov
• Apply by smartphone or web-enabled device at m.fema.gov
• Apply by phone at toll-free 800-621-3362800-621-3362 FREE or 1-800-462-75851-800-462-7585 FREE
Disaster assistance may include grants to help pay for temporary housing, emergency home repairs and uninsured and underinsured personal property losses. The U.S. Small Business Administration (SBA) offers low-interest disaster loans to homeowners, renters and businesses of all sizes. These disaster loans cover uninsured and uncompensated losses and do not duplicate benefits of other agencies or organizations.
You should apply for assistance even if you have insurance because you may find you have unmet needs after you receive your settlement. If you have not already contacted your insurance agent to file a claim, do so right away. Insurance is your main source for money to put your life back in order after a disaster. But insurance does not cover many expenses, so disaster programs may be able to help. You should not wait for your insurance settlement to apply for a low-interest disaster loan from the SBA.
After you apply, FEMA will send you a copy of your application and a copy of “Help After a Disaster: Applicant’s Guide to the Individuals and Households Program,” which will answer many of your questions. This useful publication explains how FEMA’s disaster assistance program works; describes additional kinds of help you may qualify for from other federal, state and voluntary agencies; and gives you many important tips on how best to make all these programs work for you.
If your home or its contents are damaged and you are uninsured or underinsured, a FEMA inspector may contact you within about 10 days after you apply to schedule a time to meet with you at your damaged home. All inspectors carry photo ID that shows they are affiliated with the U.S. government.
If you’re a homeowner, you may borrow up to $200,000 from SBA to repair or replace your primary residence. Homeowners and renters may borrow up to $40,000 to replace personal property.
Published with permission from RISMedia.