Atlantic City, N.J., Nov. 10, 2012 -- Sumitraben and Nayunaben Valand listens as Interpreter Jay Sodha helps them apply for disaster assistance with FEMA. FEMA assistance can include temporary housing and home repairs, low-cost loans to cover uninsured property losses, and other programs to help individuals and business owners recover from the effects of the disaster. Steve Zumwalt/FEMA