The documents allow FEMA to determine if survivors have uninsured or underinsured losses eligible for federal assistance. By law, FEMA cannot provide financial assistance for losses covered by insurance or pay deductibles either. Decisions on FEMA aid are evaluated on a case-by-case basis, according to a statement from the agency.
To submit insurance documentation:
-Gather insurance documents and any settlement information.
-Write the applicant's name, FEMA registration number and 4086-DR-NJ on each page.
-Send a copy of these documents to FEMA by:
Mail: National Processing Service Center
P.O. Box 10055
Hyattsville, MD 20782-8055
Visiting a Disaster Recovery Center (DRC). Find the nearest DRC online at http://www.fema.gov/disaster-recovery-centers.
Survivors can call FEMA with questions at 800-621-FEMA (3362) or TTY 800-462-7585 from 7 a.m. to 10 p.m. with assistance is available in many languages.
The federal government has extended disaster assistance for New Jerseyans impacted by Hurricane Sandy to all 21 counties, providing direct assistance to individuals and households in the aftermath of the historic hurricane Sandy, Gov. Christie announced Tuesdasy.
Individuals in all New Jersey counties are now eligible for federal disaster relief. New Jersey residents and small businesses in all 21 counties are now eligible for Individual Assistance through the Federal Emergency Management Agency (FEMA) and U.S. Small Business Administration.
All 21 of the counties have already been approved by the federal government as eligible for Public Assistance, which is an additional form of federal disaster relief. Public Assistance Program funding is available to state and eligible local governments and certain private nonprofit organizations on a cost-sharing basis for emergency work and the repair or replacement of facilities damaged by Hurricane Sandy.
Survivors of Hurricane Sandy who suffered damage should apply for disaster assistance with the Federal Emergency Management Agency -- even if they have insurance or aren't sure if they are eligible, Christie said.
Services provided by the Federal Emergency Management Agency:
-- Grants for expenses not covered by insurance, including money to repair and rebuild dwellings and temporary housing -- short-term hotel expenses, rent for up to 18 months, or, as a last resort, a FEMA manufactured housing unit.
-- Grants for disaster-related medical and dental expenses, funeral expenses, clothing, furniture, education items such as computers.
-- Grants for heating oil or natural gas, equipment needed for cleanup, moving and storage expenses.
-- Counseling services, unemployment assistance, legal aid, income-tax assistance, Social Security and veteran benefits assistance. Services provided by the Small Business Administration:
-- Homeowners can apply for direct loans of up to $200,000 to repair or replace real estate beyond what's covered by insurance. The loans have interest rates as low as 1.7 percent and can be repaid over 30 years.
-- Homeowners and renters can apply for loans of up to $40,000 -- also as low as 1.7 percent -- to repair or replace personal property that isn't covered by insurance.
-- Businesses and nonprofit organizations can borrow up to $2 million to repair or replace real estate, machinery or inventory. The loan may be increased to pay for improvements that can mitigate future disasters. The business loans have an interest rate of 4 percent; the nonprofit loans are 3 percent.
-- Businesses with fewer than 500 employees and agriculture and aquatic businesses are eligible for loans of up to $2 million to use as working capital that can help them pay bills.
How to contact:
People can apply for disaster relief at DisasterAssistance.gov; through smartphones at m.fema.gov; or by calling 800-621-3362.
Home and business owners interested in the SBA's loan program can apply at https://disaster loan.sba.gov/ela/.
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