Borough of Woodland Park
 
Register with FEMA SBA Disaster Loans
FEMA Grants Might Cover Insurance Gaps N.J. Business Recovery Assistance
New Jersey FEMA Disaster Page Project Recover Counseling Services
FEMA RECOVERY NEWS 2-1-1 Flood Response and Recovery
Report Disaster Fraud  
 
     
  FEMA (Federal Emergency Management Agency)  
  REGISTER:
If you sustained losses or damage, you may be eligible for disaster assistance even if you have insurance coverage.
CALL:  1-800-621-3362 (FEMA)  – or –  TTY:  1-800-462-7585
For 7-1-1 or Video Relay Service, call:  1-800-621-3362
Online:  www.disasterassistance.gov  – or –  www.fema.gov
Register on your smartphone at:  m.fema.gov
 
  When you register for disaster assistance, have the following available:
   •  Social Security Number (including your spouse’s
)
   •  Private insurance information, if available
   •  Address and zip code of the damaged property
   •  Directions to the damaged home, structure or property
   •  Daytime telephone number
   •  Another phone number where you can be reached or a message can be left
   •  An address where you can get mail, if you’re not at the damaged property
   •  Your bank account type (checking/savings), account number & routing number,
   •  if you want your assistance funds sent directly to your bank
 
     
  SBA Disaster Loans  
  The Small Business Administration provides low-interest loans to homeowners, renters and businesses of all sizes.
 
 

Click here for information about SBA Disaster loans.
•  If you have questions about
SBA’s disaster loan program, contact the SBA Disaster Assistance Customer Service Center at
1-800-659-2955 (TTY: 1-800-877-8339), or send an email to disastercustomerservice@sba.gov.
•  Eligible applicants may apply for disaster loans directly on SBA’s website at https://disasterloan.sba.gov/ela/. Do not wait for your insurance to settle or to obtain repair estimates before submitting the application. NOTE: Home loan applicants that do not qualify for an SBA disaster loan, may receive additional FEMA grant assistance.
•  Visit www.sba.gov for more information.

 
 
Interest Rates (Sept. 2011)
• 2.5% - for homwowners/renters
• 4% - for businesses
• 3% - for non-profit organizations
:Disaster Loan Limits (Sept. 2011):
• Up to $200,000 for damage to primary residence
• Up to $400,000 for damage to personal property (including vehicles) for homeowners and renters
• Up to $2 million for damage to business property (small businesses and most non-profit organizations with or without physical damage, are also eligible for working capital loans for disaster-related cashflow problems)
 
     
  FEMA Grants Might Cover Gaps in Private Insurance Policies  
 

   Disaster and recovery officials are concerned that many people are under the impression that the money they receive from their insurance companies is all that is available to them in terms of recovery aid, when this may not be the case.
   Officials continue to urge people to contact FEMA and register, even if they are already receiving payments from their insurance companies to help cover the damages.
   There are expenses not covered by insurance.  For example,
   •  rental assistance is not covered under a National Flood Insurance Program (NFIP) policy
   •  an individual could qualify for a federal rental or repair grant if his or her residence was damaged during the severe weather event.
   •   an additional grant may also help an individual whose losses from hurricane damage were great enough that they were not fully covered by the insurance policy.

 
     
  N.J. Business Recovery Assistance  
  In the aftermath of Hurrican Irene, the State of New Jersey is offering vital services related to financial support, information on temporary space, technical assistance for impacted businesses, among other help. The business recovery assistance services include:
•  Access to lines of credit of up to $500,000 for businesses that need access to cash to improve their damaged property while awaiting insurance proceeds.
•  Grant awards for businesses to assist with on-the-job training costs for new workers hired specifically to assist in disaster-related activities, such as landscaping and tree removal, construction, insurance claims, building supplies sales, materials transport, utility work, call and claims centers staffing, and infrastructure clearing and repair.
•  Availability of the Business Resource Centers at any of the 17 local One-Stop Career Centers across the state as temporary hubs for businesses to access telephone and internet services as well as for job seekers and displaced workers seeking workforce development and unemployment assistance.
•  The availability of Disaster Unemployment Benefits to provide income security for those displaced workers suffering temporary storm-related job loss.
•  Dispatch of Rapid Response team members to identified Disaster Recovery Centers to assist displaced workers.
•  Availability of services through New Jersey Youth Corps to assist non-profit, public and governmental entities in a variety of ways for disaster relief and clean-up.
•  Arranging business facility inspections for buildings suffering major flood damage, as such conditions require structural integrity inspections before utility service can be restored. These inspections are handled in local code enforcement offices and by local code enforcement officials. Anticipating an enormous increase in such work, the Department of Community Affairs has mobilized all qualified personnel to assist local governments in this effort.
•  Advocate for businesses seeking assistance from local utilities to restore electric, phone, gas and water services.
•  Advocate with insurance carriers to file and expedite claims.
•  Provide information on how to qualify for federal recovery assistance.
•  Connect businesses to the other county and local business services and to the services offered by the Small Business Administration and Small Business Development Centers that include assistance with insurance claims, as well as loans and business plan revisions.
   Contact New Jersey’s Business Action Center (BAC) by calling 866-534-7789 or through the state’s business portal at www.nj.gov/njbusiness.
 
   
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