Congressman Chris Smith’s Bill Would Allow Sandy SBA Loans To Be Paid Off By HUD Grants

Congressman Chris Smith and Monmouth County Shaun Golden prepare to survey Hurricane Sandy damage. November, 2012

Congressman Chris Smith (R-NJ4) introduced legislation yesterday that, if enacted, would allow Superstorm Sandy victims who borrowed from the Small Business Administration to fund the rebuilding to their homes and businesses to repay those loans with the proceeds of grants from the federal department of Housing and Urban Development.

The Equity for Disaster Victims Act, co-sponsored by Congresswoman Nydia Velázquez (D-NY),  would correct a con perpetrated by the government on Sandy victims in the aftermath of the strom and reform the federal government’s disaster relief programs to ensure fairness and flexibility.

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Businesses damaged by Sandy may get new chance to seek federal help

WASHINGTON — The U.S. House of Representatives voted Monday to allow businesses damaged by Hurricane Sandy to again seek federal disaster loans. The legislation to reopen the application process was passed by voice vote in response to reports of delays in the Small Business Administration loan process, where the agency was overwhelmed by requests for assistance… Read the rest of this entry »

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Governor Christie Announces 30 Day Extension Of Deadline To Register For Sandy Assistance

New April 1 Deadline Allows Additional Time for Residents to Register for FEMA Assistance 

Trenton, NJ –The Christie Administration announced today that New Jersey residents impacted by Superstorm Sandy now have until April 1, 2013 to register for individual disaster assistance through the Federal Emergency Management Agency (FEMA). The deadline extension applies for homeowner, renter, and business registration with the Small Business Administration (SBA) for Disaster Loan Assistance, another important step in the disaster relief process to ensure survivors obtain all relief they are eligible for.

“This 30-day extension will help us ensure that anyone who has been affected by Sandy gets the help they need and deserve,” said Governor Christie. “It’s vitally important for people to know that the process of receiving any type of federal disaster assistance – including future grant assistance for homeowners and businesses – begins with registering as a disaster survivor with FEMA and working with a coordinator to determine eligibility for relief. I encourage those who have not yet registered with FEMA and SBA to do so now to get the relief they are entitled to and to ensure their eligibility for any future relief we can offer.”

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Christie Administration Encourages Insured Residents Affected by Hurricane Sandy to Apply for Assistance

Insured Applicants May Be Eligible for Assistance for Unmet Needs

Trenton, NJ –Disaster assistance may sometimes cover damages that insurance doesn’t. That is why individuals affected by Hurricane Sandy are urged by the New Jersey Office of Emergency Management (NJOEM) and the Federal Emergency Management Agency (FEMA) to apply for assistance even if they have insurance.

Apply for FEMA assistance by registering online at www.DisasterAssistance.gov, or by web-enabled mobile device at m.fema.gov. Applicants can also register by phone by calling 1-800-621-FEMA (3362), 711/VRS, or TTY 1-800-462-7585.

Only applying directly with FEMA will establish your registration for disaster assistance. Signing up or meeting with any other agency does not mean you are registered with FEMA.

“We want everyone qualified for assistance to receive help as soon as possible,”said State Coordinating Officer Lt. Jeff Mottley.

Keep in mind that you need to file your insurance claim with your insurance company as soon as possible. Failure to file a claim may affect a policyholder’s eligibility for disaster assistance. You have up to 12 months from the date of registration with FEMA to submit insurance information for review.

“By law, we cannot duplicate what insurance already covers. But we may be able to help with some disaster-related expenses, that are not covered by insurance,”explained Federal Coordinating Officer Michael J. Hall.

After filing a claim, if any of the following situations occurs FEMA may be able to provide some assistance:

Your insurance settlement is delayed.

• “Delayed”means a decision on your insurance settlement has been delayed longer than 30-days from the time you filed the claim.
• If a decision on your insurance settlement has been delayed, you will need to mail a letter or send a FAX to FEMA explaining the circumstance. Mail or FAX your letter to:

FEMA IHP

National Processing Service Center

PO Box 10055

Hyattsville, MD 20782-8055

FAX 1-800-827-8112

• You should include documentation from the insurance company proving that you filed the claim.
• If you filed your claim over the telephone, you should include the claim number,         date when you applied, and the estimated time of how long it will take to receive        your settlement.
• If you receive FEMA assistance and you later find that your insurance will cover what your FEMA assistance was for, then you must return that money to FEMA because

it is considered a duplicate benefit.

Your insurance settlement is insufficient to meet your disaster-related needs.

• If you have received the maximum settlement from your insurance and still have an unmet disaster-related need, you will need to mail or FAX a letter to FEMA at the above address indicating the unmet disaster-related need.
• You will also need to send in documentation from your insurance company on what they cover for review.

You have exhausted the Additional Living Expenses (ALE) provided by your insurance company.

• If you have received the maximum settlement from your insurance for Additional Living Expenses and still need help with your disaster-related temporary housing need, mail or FAX a letter to FEMA at the above address indicating why you continue to have a temporary housing need.
• You will also need to provide documentation to prove use of ALE from insurance,

and a permanent housing plan.

You are unable to locate rental resources in your area.

• The FEMA Helpline has a list of rental resources in the disaster area.

SBA Loans

• Many people who apply for disaster aid also receive an application for a low-interest disaster loan from the SBA. If you receive an application, be sure to fill it out and return it in order

to be considered for all forms of disaster assistance.

• FEMA will process applications for housing assistance regardless of whether or not the applicant has applied for an SBA loan. Eligibility determinations for FEMA’s temporary housing assistance will not be held up because the applicant has or has not filled out an    SBA application.

• You must complete an SBA loan application to be eligible for additional assistance under

the part of the FEMA program that covers personal property, vehicle repair or replacement,

and moving and storage expenses.

You can apply for an SBA disaster loan online using the Electronic Loan Application (ELA) via SBA’s secure website at https://disasterloan.sba.gov/ela.

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Christie Announces Hurricane Recovery Assistance For New Jersey Businesses

Trenton, NJ –To support the recovery of New Jersey’s businesses and protect the overall economic interests of our state in the aftermath of Hurricane Sandy, Governor Chris Christie and Lt. Governor Kim Guadagno have announced a series of business assistance services for those affected by the storm.  Among these vital services are those related to financial support, information on temporary space, and technical assistance for impacted businesses.  Information for all services may be easily accessed through New Jersey’s Business Action Center (BAC) by calling 1-866-534-7789 or through the state’s business portal at www.newjerseybusiness.gov, the“one-stop” shop for business resources. Agents are also available to assist callers that speak Spanish.

“In response to this natural disaster, New Jersey has coordinated a range of multi-agency resources to assist impacted businesses and ensure they are operational quickly,” said Lt. Governor Guadagno. “Providing a thorough and inter-departmental business recovery assistance program is another demonstration of our support for our business community and their workers. The Business Action Center can help businesses tap into a variety of resources that will help them begin to recover from this catastrophic storm.”

The business recovery assistance services are designed to support businesses and workers who may be temporarily unable to perform their jobs due to the storm.  These services include:

• Guarantees of up to $500,000 for     commercial lines of credit to businesses that need access to cash to     improve their damaged property while awaiting insurance proceeds, with all     related New Jersey Economic Development Authority fees waived.
• 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 currently operational 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 – Temporary Hubs     for Affected Business to Access Telephones and Internet Services
• 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 throughNew Jersey Youth Corps to assist non-profit, public and governmental     entities in a variety of ways for disaster relief and clean-up.

In addition, BAC’s Business Call Center is also the one-stop resource for more information on how to get businesses back up and running.  The Call Center staff can assist with the following services:

• 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.
• Advocating for businesses seeking information from local utilities to restore electric, phone, gas and water services.
• Advocating with insurance carriers to file and expedite claims.
• Providing information on how to qualify for federal recovery assistance, and
• Connecting 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.

Since October 28, 2012, the New Jersey Office of Homeland Security and Preparedness (OHSP) has staffed a Private Sector Desk at the Regional Intelligence Operations Center (ROIC), which has served as the primary point of contact for critical private sector industries leading up to, during and after Hurricane Sandy.  OHSP staff operating the Private Sector Desk at the ROIC can be reached at 609-963-6810.

For further information about best practices in the aftermath of Hurricane Sandy, please visit www.ready.nj.gov for continual updates.

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