APPLICATION PROCESS Later On Face-to-Face Help
• If you qualify for FEMA’s Individuals and • You can receive face-to-face help in filling
Households Program, you will receive a out the SBA loan application at any
Here’s How You Start federal government check or the funds will Disaster Recovery Center or SBA Loan
• Call the special toll-free application number be directly deposited into your designated Assistance Center. For the nearest location,
1-800-621-FEMA (3362), TTY 1-800-462- bank account. A separate letter also will be call the toll-free SBA Helpline at 1-
7585, or register online at www.fema.gov. sent to you explaining how you may use 800-659-2955.
the funds. You may get checks from other
Here’s What Will Happen programs later. SBA low-interest disaster loans are
available to renters, homeowners, business
• You will be asked for general information
about your income, insurance, housing needs
Use of Disaster Grants owners and non-profit organizations that
suffered losses due to the disaster.
and the damage to your residence. (Use your
• The grant funds may be used for rental
legal name when applying. Do not use a
assistance if your home or apartment is
nickname or abbreviation.)
uninhabitable because of the disaster. Loan Limits
Homeowners may use FEMA housing
• You will be given an application number
repair grants for essential repairs to make • Homeowners may be eligible to borrow up
which will help locate your file in the system.
your residence safe and sanitary. These to $200,000 for real estate repairs.
Write this number down so you will have it
grants are for repairs necessary to make
secure and handy in the future.
primary rooms functional. • Renters and homeowners can borrow up to
$40,000 for replacement of disaster-
A Few Days Later THE SBA PROCESS & FEMA damaged personal property.
• A FEMA inspector will call you to arrange a • The U.S. Small Business Administration
visit to your damaged home or apartment. (SBA) may send you a loan application • Businesses may apply for up to $1.5
after you call to apply. It is very million for losses not fully covered by
important to complete the forms and
• The FEMA inspector will come and look at insurance.
return them to the SBA.
disaster-related damages for FEMA’s
Individuals and Households Program. • SBA loans are made for the repair or
• FEMA’s temporary housing assistance and
replacement of real estate or personal
grants for public transportation expenses,
• You will be asked to sign a document saying medical and dental expenses, and funeral
property. You may borrow up to 20
that you were lawfully present in the United percent more to spend on things that will
and burial expenses do not require
States at the time of the disaster. Proof of help keep your damage from occurring
individuals to apply for an SBA loan.
ownership or occupancy also is required. again.
However, applicants who receive SBA loan
applications must submit them to SBA loan
officers to be eligible for assistance that
covers real estate, business losses, personal
property, vehicle repair or replacement, and
1 moving and storage expenses.
WHAT TYPES OF ASSISTANCE FEMA disaster assistance covers basic
ARE PROVIDED? needs only and will not normally
compensate you for your entire loss. If you
Temporary Housing have insurance, FEMA may help pay for
basic needs not covered under your
Money for individuals to rent a different place to insurance policy. You should contact your
live or a temporary housing unit, when rental insurance agent first, then call FEMA to
properties are not available. apply. Some disaster aid does not have to
be paid back, while other forms of help may
Repair come in the form of loans. The FEMA
representative will explain the details when
Money for homeowners to repair damage from you call.
the disaster that is not covered by insurance. The
goal is to make the damaged home safe and
sanitary. Information to Remember
Replacement FEMA Disaster
Limited funds may be available under rare Application and
conditions to replace a disaster-damaged home.
Other Needs Assistance Disaster Assistance
Money for necessary and serious needs caused 800-621-FEMA (3362) Made Easy
by the disaster. This includes medical, dental,
funeral, personal property, transportation and
other expenses that FEMA approves. The
homeowner may need to apply for an SBA low- Or register online at
interest disaster loan before receiving assistance. www.fema.gov
After you have applied for assistance, the FEMA Disaster recovery assistance is available
Disaster Application and Information Services without regard to race, color, sex, religion,
line is a very useful resource. You may ask national origin, age, disability, economic status
about assistance programs, the status of your or retaliation. If you or someone you know has
application or how money from various been discriminated against, call FEMA toll-free
assistance programs may be used. FEMA at 1-800-621-FEMA (3362) or contact your
assistance does not make you whole again, but State Office of Equal Rights. If suspicious of
can give you a helping hand on the road to any abuse of FEMA programs, please contact
recovery. the fraud hotline at 1-800-323-8603.