NEWINGTON, N.H. -- In the first month following a disaster, residents may be misled by half-truths and rumors they hear about how to get help and the various assistance programs that are available. When you have suffered a loss, the last thing you need is misinformation.
According to state and federal disaster recovery officials, there are two easy ways to begin the application process. You may call the Federal Emergency Management Agency (FEMA) toll-free number, 1-800-621-FEMA (3362) or TTY 1-800-462-7585. Both numbers are available from 8 am to 6 pm, seven days a week until further notice. Multilingual operators are also available to answer your call. Residents with Internet access have the option of registering using FEMA's website at www.fema.gov/ where valuable recovery information is also available.
Some clarifications for common misconceptions about disaster assistance:
I have insurance. I hear there still may be other help available to me.
True. Insurance is your main source for money to put your life back in order after a disaster. But there are many things that insurance does not cover. That is where federal disaster programs may be able to help. You may find that you are "underinsured" and disaster assistance can help make up the difference.
I have to wait for my insurance adjuster before I apply for disaster assistance.
Not True. You do not have to wait for an agent or adjuster's inspection before applying for assistance or beginning repairs needed to make your house safe, sanitary and functional. However, if you have insurance, you should find out what your policy covers, and be sure to keep papers and receipts for any work. If you still have unmet disaster-related needs, you should call FEMA to apply. To avoid a duplication of benefits, you may need to provide additional insurance information.
I already repaired my home. It is too late to apply.
Not True. You could qualify for reimbursement of expenses not covered by your insurance. Be sure to keep papers and receipts for any work.
I got help from the American Red Cross, but I still need to apply to FEMA if I need assistance.
True. FEMA coordinates a number of programs to help disaster victims. These programs are different from the emergency food, clothing and shelter initially provided by the American Red Cross, Salvation Army and other voluntary agencies. Registration with the Red Cross or other voluntary agency is not the same as applying with FEMA. For federal and state disaster assistance, you must apply by calling the special toll-free application number - 1-800-621-FEMA (3362) or TTY 1-800-462-7585 for those with speech or hearing impairment.
I have to be poor to qualify for disaster assistance.
Not True. Federal and state disaster assistance programs may be available to those who suffered damage, regardless of income. The programs are not "welfare." The kinds of help provided depend on the applicant's circumstances and unmet disaster-related needs.
I have to be turned down by my bank before I can apply for a disaster loan.
Not True. The U.S. Small Business Administration (SBA), which handles low-interest disaster loans, has its own criteria for determining each loan applicant?s eligibility. The SBA will decide whether or not you are able to repay a loan. If you are not qualified for a loan, you may be eligible for other assistance, but it is necessary to go through the SBA application process first.
I can apply for a loan from the SBA even if I?m not a business owner.