Disaster relief for individuals, households and small businesses | Local news

There are many misconceptions about the type and amount of disaster assistance available through FEMA to individuals, households and small businesses after a disaster. FEMA’s grant programs are intended as a last resort for funding. Often, families find out the hard way that they were underinsured for their losses or their insurance won’t cover their losses because of the cause of the damage.

When you enroll in FEMA’s Individual Assistance Program, it must be after your insurance or other disaster relief efforts have failed to cover the costs and serious needs directly caused by the declared event.

Federal regulations prohibit federal grant dollars from duplicating aid received from any other source, must be appropriately spent on disaster-induced necessities and serious needs, and must not be used fraudulently. obtained.

FEMA’s Individual Assistance Program can help in some of the following areas:

Temporary housing assistance

Repair or replacement at home

Crisis Guidance

Funeral

disaster unemployment

Disaster legal services

Childcare help

Medical and dental

There are three basic requirements for applying for FEMA Individual and Household Program Assistance. They are:

Identity verification

FEMA must be able to verify the applicant’s identity with a valid Social Security number.

You must be a US citizen, non-citizen or qualified non-citizen.

Ownership/Occupation Verification

FEMA must be able to prove that the disaster-damaged house was your primary residence.

Homeowners must prove ownership of their disaster-damaged home.

FEMA verifies occupancy and ownership at the time of application through an automated search of public records.

Insurance research

FEMA is working with the US Small Business Administration to provide low-interest loans to homeowners and renters in a declared disaster area. You don’t need to have a business to apply for an emergency loan.

You can request assistance after an announced event via phone, web or mobile app. The best place to start is by calling FEMA’s Disaster Survivor Hotline toll free at 800-621-3362 to register for assistance or to check the status of your application. Disaster survivors who are deaf, hard of hearing or have a speech impediment and use a text telephone (TTY) can call 800-462-7585. Disaster survivors using 711 or VRS (Video Relay Service) can call 800-621-3362.

Visit www.DisasterAssistance.org to learn more about disaster relief from FEMA and its partners.

Bridgette Hallum is a disaster response and disaster recovery consultant. She is a former educator in Wakulla County who lives in Crawfordville with her two children. Bridgette is a graduate of Florida State University, where she studied Emergency Management and Homeland Security. She has caused disasters, including Hurricane Michael, on a local, national and international level. Bridgette has experience working for FEMA and FDEM. In her spare time Bridgette enjoys traveling, volunteering, the beach and live music. Her favorite part of working in Emergency Management is helping those in need, working to prevent loss of life and property and giving back to her local community.

Bridgette Hallum is a disaster response and disaster recovery consultant. She is a former educator in Wakulla County who lives in Crawfordville with her two children. Bridgette is a graduate of Florida State University, where she studied Emergency Management and Homeland Security. She has caused disasters, including Hurricane Michael, on a local, national and international level. Bridgette has experience working for FEMA and FDEM. In her spare time Bridgette enjoys traveling, volunteering, the beach and live music. Her favorite part of working in Emergency Management is helping those in need, working to prevent loss of life and property and giving back to her local community.

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