Major Disaster Declaration declared on April 24, 2020
Individual Assistance Applications
Total Individual & Households Program
Dollars Approved: $1,064,600.11
Designated Counties (Individual Assistance):Bradley, Hamilton
For local resources, visit TEMA
Applying for Disaster Assistance
Families and households in Bradley and Hamilton counties who suffered damage as a result of the severe storms, tornadoes, straight-line winds and flooding on April 12, may be eligible for disaster assistance.
Ways to Register:
- Online: DisasterAssistance.gov
- By Phone: 1-800-621-3362 or TTY 800-462-7585. Toll-free numbers are open daily from 6 a.m. to 9 p.m.
Information You Will Need:
- Social Security number
- Address of the damaged home or apartment
- Description of the damage
- Information about insurance coverage
- A current contact telephone number
- An address where you can receive mail
- Bank account and routing numbers for direct deposit of funds
- Total household annual income
The deadline to register for disaster assistance is June 23, 2020.
Due to the COVID-19 nationwide emergency and the need to protect the safety and health of all Americans; FEMA will conduct remote home inspections for disaster survivors until further notice.
What to Expect After Applying for FEMA Assistance
- FEMA is fully committed to a whole of America response to fight the COVID-19 pandemic and protect the health and safety of the American people. Social distancing and eliminating unnecessary contact are key to help slow the virus’ spread and keep our most high-risk populations safe.
- A remote inspection will be the primary form of inspection for applicants who are still pending an inspection.
Remote Inspection Process
- Disaster survivors who applied and reported that they may not or cannot live at home due to damage will be contacted by FEMA to schedule a remote inspection.
- FEMA inspectors will call applicants by phone. Applicants will answer questions about the type and extent of damage sustained.
- Based on responses from the applicant and existing eligibility criteria, awards will be generated for Rental Assistance, Home Repair Assistance, Replacement Assistance, Other Needs Assistance (ONA) for Personal Property Assistance, and Assistance for Miscellaneous Items based on existing line items.
- This interim policy will help protect the health and safety of the American people while also ensuring that eligible disaster survivors receive assistance from FEMA.
U.S. Small Business Administration
Business owners, private nonprofit organizations, homeowners and renters may be eligible for low- interest disaster loans from the U.S. Small Business Administration (SBA) to help recover from losses not covered by insurance, grants or other services.
Apply for a low-interest disaster loan online at sba.gov/funding-programs/disaster-assistance.
For more information on SBA disaster assistance:
- Call SBA’s Customer Service Center at 800-659-2955 (TTY 800-877-8339)
- Visit sba.gov/funding-programs/disaster-assistance
- Email email@example.com
After you apply for disaster assistance from FEMA, you may be referred to SBA. If you receive an SBA disaster loan application, fill it out and return it. If your application is approved, you are not obligated to accept the loan. But failure to return the application may disqualify you from other possible FEMA assistance, such as disaster-related car repairs, clothing, household items and other expenses.
Beware of Fraud and Scams
When a disaster strikes, unscrupulous people may try to take advantage of survivors by posing as official disaster aid workers or even as relatives trying to help survivors complete their applications.
Survivors should keep in mind:
- Federal and state workers never ask for or accept money
- There is NO FEE required to apply for or to get disaster assistance from FEMA, the U.S. Small Business Administration or the state
- Scam attempts can be made over the phone, by mail or email, text or in person
As home inspections have become remote, this may attract attention from scam artists as well. Remember these two important points:
- FEMA Housing Inspectors will never ask for your nine-digit registration number. They already have it in their records.
- FEMA Housing Inspectors will never require you to provide your banking or other personal information such as a Social Security number.
Price gouging occurs when a supplier marks up the price of an item more than is justified by his actual costs. Survivors are particularly susceptible because their needs are immediate and have few alternatives to choose from. If you find price gouging, contact your State's Office of the Attorney General.
Dealing with Contractors:
Survivors should take steps to protect themselves and avoid fraud when hiring contractors to clean property, remove debris or make repairs.
Simple rules to avoid becoming a victim of fraud:
- Use licensed or verified local contractors backed by reliable references.
- Do not pay more than half the costs of repairs in advance.
- Demand that contractors detail the job to be done with guarantees in writing.
Charitable Giving Scams:
Donating money or supplies to the relief effort is another way to help survivors. Be alert to scams during an emergency. Learn more about donating.
To report suspicious activity or potential fraud from scam artists or identity thieves, you may contact:
Tennessee Division of Consumer Affairs
Inside TN: 800-342-8385
Mailing address: Tennessee Attorney General’s Office, P.O. Box 20207, Nashville, TN 37202-0207
National Center for Disaster Fraud
FEMA Helpline: 800-621-3362 (TTY 800-462-7585)
Local Law Enforcement
How to Appeal
Applicants are evaluated on a case-by-case basis varying based on individual and/or household needs.
If you qualify for a grant, you are provided:
- A check by mail or a direct deposit into your checking or savings account, and
- A determination letter specifying your category of assistance and how you are to use the money.
If you do not qualify for a grant, you are provided:
- A letter explaining why you did not qualify
- An opportunity to appeal the decision
The Appeal Process
An appeal should be filed in the form of a signed letter within 60 days of the date on the determination letter. In it, explain why you disagree with the decision including:
- Full name, date of birth and current address
- Signature and the date
- Registration number (on every page)
- FEMA disaster declaration number – DR-4541-TN (on every page)
You or your co-applicant, must sign the letter.
If you choose to have a third party submit an appeal on your behalf, it must be signed by the third party and include a statement signed by you authorizing the third party.
FEMA-Individuals & Households Program
National Processing Service Center
P. O. Box 10055
Hyattsville, MD 20782-8055
Fax to: 800-827-8112
Appeal letters and supporting documentation also can be uploaded to your account on www.DisasterAssistance.gov.
Protect Yourself from Future Disasters
Tennesseans in many communities are repairing or rebuilding their homes after a series of springtime tornadoes and windstorms. Hazard Mitigation helps homeowners and businesses rebuild and minimize impacts from future disasters. Want to fortify your home from the inside out? How about 12 mitigation tips under $50? Visit: www.fema.gov/mitigation-ideas-and-tps-rebuilding.
In addition, you can find a video on making your roof wind-resistant here: www.youtube.com/watch?v=f8PhTekho3s.
All News Releases, Fact Sheets, and Updates for the Tennessee Severe Storms, Tornadoes, Straight-line Winds, And Flooding (DR-4541) Are Available Here
Individual Assistance - Dollars Approved
Total Individual & Households Program (IHP) - Dollars Approved*
Total Housing Assistance (HA) - Dollars Approved*
Total Other Needs Assistance (ONA) - Dollars Approved*
Total Individual Assistance (IA) - Applications Approved*
Public Assistance - Dollars Approved
If and when public assistance obligated dollar information is available for this disaster, it will be displayed here. Information is updated every 24 hours.
* Dollars Approved: Assistance dollars approved but not necessarily disbursed.
Learn more about FEMA Disaster definitions. Information is updated every 24 hours.