Don't Let Misinformation Lead You Astray 

Release Date: July 7, 2008
Release Number: 1771-012

» More Information on Illinois Severe Storms and Flooding

SPRINGFIELD, Ill. -- In the first few weeks 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. The last thing those who were affected need is misinformation.

The first thing that people who sustained damages or incurred losses from the Illinois severe storms and flooding of June 1 and continuing should do is apply for disaster assistance. This is done by calling the Federal Emergency Management Agency at 1-800-621-FEMA (3362), TTY 1-800-462-7585 for the hearing or speech impaired, or logging onto www.fema.gov.

Disaster assistance can include grants to help pay for temporary housing, home repairs and other serious disaster-related expenses not covered by insurance or other sources. Low-interest disaster loans from the U. S. Small Business Administration (SBA) also are available for eligible homeowners, renters and business owners who sustained losses not covered by insurance.

Those with questions should check online at www.fema.gov, visit a Disaster Recovery Center (DRC) or call the FEMA Helpline at 1-800-621-FEMA (3362) or TTY 1-800-462-7585.

Here are answers to the most commonly asked questions received by FEMA's Helpline:

How will I receive any information mailed to me if I am unable to return to my home right away?
FEMA works closely with the U.S. Postal Service (USPS) to see that mail gets delivered to its intended recipient. However, it is each individual's responsibility to make sure that FEMA and the USPS have current mailing information on record. It also is helpful to keep FEMA apprised of any changes to your contact information.

Do I have to visit a Disaster Recovery Center to apply for federal disaster assistance?
No, the two preferred ways to apply for disaster assistance are online or by phone. Call 1-800-621-FEMA (3362), (TTY 1-800-462-7585) or log onto www.fema.gov. DRCs provide a one-stop shop for residents to talk with disaster recovery officials about services and programs. You may visit any DRC even if it is not located in your town or county. SBA officials also are available to assist with low-interest disaster loan applications for homeowners and renters, as well as businesses of all sizes.

If you are a homeowner or renter and don't really want a loan; do you have to fill out the SBA application you received?
If you do not qualify for a loan, you may be considered for other forms of assistance, like FEMA's Other Needs Assistance program that is designed to help meet serious, disaster-related needs. However, you must complete and return the SBA loan application to determine eligibility. If the loan application is not returned it will delay other forms of disaster assistance.

What is the difference between FEMA and the SBA?
FEMA coordinates the federal government's role in preparing for, preventing, mitigating the effects of, responding to, and recovering from all domestic disasters, whether natural or man-made, including acts of terror.

FEMA's Individual Assistance program may provide financial help or direct services to those who have necessary expenses and serious needs if they are unable to meet those needs through other means. Up to $28,800 is available in financial help (adjusted each year) although some forms of assistance have limits. Flood insurance may be required following receipt of assistance.

SBA is the federal government's primary source of funds for the long-term rebuilding of disaster-damaged private property. SBA helps homeowners, renters, businesses of all sizes, and private non-profit organizations fund repairs or rebuilding efforts, and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover uninsured and uncompensated losses and do not duplicate benefits of other agencies or organizations. For information about SBA programs, applicants may call 1-800-659-2955 (TTY 1-800-877-8339).

I was told I am eligible for financial assistance but I have not yet received payment. Can I still expect to receive it?
Applications are being processed as quickly as possible. If you have changed your address, make sure you have updated your information with FEMA by calling the Helpline at 1-800-621-FEMA (3362) or TTY 1-800-462-7585.

I know of others in my neighborhood, city or state who received help from FEMA; however, I was told I have insufficient damages. Does FEMA use the same criteria when considering damages for everyone?
FEMA reviews each applicant's case individually and applies the same eligibility criteria. If you were determined to be ineligible because of insufficient damages and you feel this finding is incorrect you have a right to file an appeal.

I was contacted by an inspector and told that I needed to meet him/her at my damaged home. I am temporarily residing out of state. Am I required to travel back to my damaged home? If so, what types of assistance are available to assist me in my travel expenses to and from my damaged dwelling?
It is not required that you be present for the inspection. You can make arrangements with the inspector for someone else to accompany the inspector in your absence, either a designated relative or friend over 18 years of age. Please be sure your contact information stays current. If you are within a reasonable distance, you should meet the inspector at your damaged home, since you will know best the losses incurred. If your property is inaccessible, when it becomes accessible call FEMA at 1-800-621-FEMA (3362) or TTY 1-800-462-7585 to report that the inspector now can get to your property.

The inspector told me I was going to get money from FEMA. However, I got a letter from FEMA stating that I was not eligible. Which is correct?
The letter is correct. The inspectors do not determine eligibility and are instructed not to comment on eligibility.

I got a check from FEMA. What can I use the money for?
FEMA sends you money to meet your housing and personal property needs related to the disaster. You will receive a letter from FEMA telling you what the money covers. Be sure to read the "Applicant's Guide," the booklet included with your letter, for additional information.

Will FEMA help me pay my utility bills?
No. FEMA cannot pay utility bills. However, local charitable organizations may be able to help for a short period. We suggest you contact the Red Cross or your local United Way office for a referral to a local agency that may be able to help.

I lost my food because of the power outage; will I be reimbursed for it?
FEMA's disaster assistance program does not cover food losses. Voluntary organizations in the disaster area may be able to help you with a hot meal or other immediate needs for food.

I purchased a generator. Will I be reimbursed?
FEMA reviews requests for reimbursement of the cost of a generator on a case-by-case basis and determines if a generator was purchased to overcome a disaster-related hardship, injury or adverse condition. You should register and submit copies of your receipts to see if the cost is covered.

FEMA coordinates the federal government's role in preparing for, preventing, mitigating the effects of, responding to, and recovering from all domestic disasters, whether natural or man-made, including acts of terror.

Last Modified: Monday, 07-Jul-2008 16:45:21