Columns
Monday, June 9, 2008
common sense on applying for disaster assistance
By Senator Tom Harkin
Iowans have endured more than our fair share of weather-related challenges in 2008. Near record snowfalls, floods and tornadoes have tested us. I recently visited the towns of Parkersburg and New Hartford in Butler County, along with Senator Grassley, Congressman Braley, and Governor Culver. The devastation there was incredible, a scene that I will never forget. Other parts of our state have had their own tornadoes, as well as downpours that resulted in the flooding of many homes and businesses.
A few counties have been declared federal disaster areas and I expect additional counties to be added to that declaration. Once a county has been declared a federal disaster, it is important that everyone who has been impacted register with the Federal Emergency Management Agency (FEMA). Iowans can register by visiting a disaster recovery office, applying by phone (1-800-621-3362), or visiting www.fema.gov.
Before applying, Iowans should have a phone number, address of the damaged property, social security number, bank account information, insurance information and a current mailing address.
There are many different kinds of assistance available, so it is important that Iowans file an application and find out what help is available. Disaster assistance can help pay for basic needs not covered under an individual’s insurance policy, however it will not normally compensate for an individual’s entire loss. Some disaster aid does not have to be paid back, while other assistance may come in the form of loans.
Below are some questions that I am frequently asked:
How do I get help after a natural disaster? To receive federal assistance after a disaster, you must register with FEMA, either at the disaster recovery center, by telephone or online. The registration number you receive will be needed whenever you call with questions.
What happens after I register? You will receive a call from the FEMA housing inspector. On-site inspections are an important early step helping to speed aid to homeowners and renters suffering tornado damage. The inspection generally takes 30 to 40 minutes, and includes all areas of the home and personal property. The inspector does not determine whether a registrant is eligible for assistance, nor the amount of assistance an individual may receive.
All inspectors carry photo identification and will have the FEMA registration number assigned to the person whose home is being inspected. The FEMA inspection is free. Beware of individuals attempting to charge for inspections or remodeling contractors claiming to be FEMA-approved. FEMA does not endorse construction firms.
Do I have to wait until after the home inspection to begin making repairs to my property? No, you do not have to wait for the inspector to arrive before beginning repairs. Photos, contractor estimates, and receipts can be provided to FEMA inspectors to document the extent of the damage.
Is there any other financial assistance I can apply for? The U.S. Small Business Administration (SBA) provides low-interest disaster loans to eligible applicants for long-term recovery. An SBA loan application is included in the FEMA registration materials and is a key part of the registration process. While no one is required to take out an SBA loan, a loan denial may open up other assistance to eligible applicants. For information about SBA programs, applicants may call 800-659-2955 (TTY 800-877-8339).
Iowans are always welcome to call one of my local offices if they have any questions about disaster assistance. Beth Freeman in my Cedar Rapids office is coordinating my office’s recovery effort and is well versed in how the application process works. Beth can be reached by calling 319-365-4504.
