SBA Urges Disaster Survivors to Beware of Recovery Scams

The U.S. Small Business Administration is urging disaster victims seeking federal aid to be alert to scam artists posing as federal officials, and to be cautious about any solicitations for fees to perform services that are available from federal agency staff for free.

In the wake of widespread flooding, wildfires and tornadoes in many areas across the country over the past few months, the SBA is particularly concerned about flyers that have appeared in tornado-damaged areas asking for non-refundable fees of up to $450 to help disaster victims fill out their loan applications, and as much as $1,000 to verify losses and file loan applications.

Federal agencies involved in disaster recovery will never ask for a fee or payment to file an application for financial assistance, or to inspect damaged property.

"Historically, natural disasters bring out the very best in people, and there are countless stories of the selfless acts of helpful neighbors and volunteers," said SBA Administrator Karen Mills [pictured]. "Unfortunately, in the past, we have also seen individuals who attempt to take advantage of people who need assistance. Disaster survivors should be vigilant in protecting their personal assets, particularly in the stressful environment of a disaster recovery.

"The SBA will not tolerate the defrauding of those who have already lost so much in the aftermath of these devastating disasters. Those who are found taking advantage of disaster victims will be prosecuted to the fullest extent provided by law."

If you suspect a person is posing as a local or federal agent, or encounter what you believe are fraudulent activities connected with disaster relief operations, contact your local law enforcement officials; phone the toll-free National Disaster Fraud Hotline at 866-720-5721; or, send an e-mail to disaster@leo.gov. The phone line is staffed by a live operator 24 hours a day, seven days a week.

To register for federal help after a disaster declaration, visit www.DisasterAssistance.gov; or, call FEMA at 800-621-3362 [800-426-7585 for the speech- or hearing-impaired].

Disaster survivors may also visit one of the local recovery centers to get help with filing for assistance. To get help with the disaster loan application, contact the SBA by e-mail at disastercustomerservice@sba.gov; or, by calling 800-659-2955 [800-877-8339 for those with speech or hearing disabilities].

Those affected by recent disasters may also file a loan application online by visiting SBA’s secure website at https://disasterloan.sba.gov/ela/.

The SBA makes low-interest, taxpayer-backed disaster loans to homeowners, renters, businesses and nonprofit organizations of all sizes. More information about SBA's disaster assistance program is available at www.sba.gov/disasterassistance.

SOURCE: U.S. Small Business Administration
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FEMA: Throwing Away an SBA Application Is Like Throwing Away Money

One of the most important messages that state and federal officials would like to share with homeowners, renters and business owners in the Mississippi counties that are recovering from the severe storms, tornadoes and flooding of April, as well as the flooding of the Mississippi River and its tributaries in May, is fill out and return your U.S. Small Business Administration application. Don't throw it away!

After an applicant registers with the Federal Emergency Management Agency, they may receive a loan application package from the SBA. Typically, people may think that the loans are only for businesses, or they simply do not want to take out a low-interest disaster loan. So, they may push the SBA documents to the side or, possibly, discard them.

"This is where people tend to take themselves out of the process," said Mississippi Emergency Management Agency Director Mike Womack [pictured]. "If they don't complete the SBA paperwork, they could miss out on all the FEMA aid they may qualify for."

Applicants Should Know:
* Disaster loans up to $200,000 are available to homeowners to repair/replace real estate. Homeowners and renters are eligible for up to $40,000 to repair/replace personal property. Most interest rates for residents are below three percent, with terms as long as 30 years. Businesses and non-profit organizations of any size can borrow up to $2 million -- at an interest rate as low as four percent -- to repair or replace damaged or destroyed real estate, machinery and equipment, inventory, and other business assets, as well as to cover economic injury.

* Filling out the SBA application is a necessary step to be considered for some other forms of disaster assistance. Applicants may be eligible for more aid.

* If SBA is unable to approve a home loan, the applicant may be referred back to FEMA for some other disaster aid. Applicants may be awarded assistance for personal items, repair or replacement of a vehicle, etc.

Residents of 40 Counties Eligible to Register for Assistance
A major disaster declaration was approved by President Obama on May 11 for the Mississippi flooding that began May 3. Under this declaration, the following 14 counties are authorized to receive aid under FEMA's Individual Assistance Program: Adams, Bolivar, Claiborne, Coahoma, DeSoto, Humphreys, Issaquena, Jefferson, Sharkey, Tunica, Warren, Washington, Wilkinson and Yazoo.

Under a previous disaster declaration, federal funding is also available to eligible individuals impacted by the April tornadoes and storms in these 29 counties: Alcorn, Attala, Chickasaw, Choctaw, Clarke, Clay, Coahoma, DeSoto, Greene, Grenada, Hinds, Holmes, Jasper, Kemper, Lafayette, Leflore, Marshall, Monroe, Montgomery, Neshoba, Newton, Panola, Quitman, Smith, Sunflower, Tishomingo, Tunica, Webster, and Winston.

As a result of the two declarations, residents in 40 Mississippi counties are eligible for Individual Assistance. Coahoma, DeSoto, and Tunica counties are eligible for Individual Assistance under both declarations.

Residents and business owners who sustained losses in the newly authorized counties, as well as those in counties previously authorized for Individual Assistance, can register by calling 800-621-FEMA [3362]; or, for those with speech or hearing impairment, TTY 800-462-7585. These toll-free telephone numbers will operate 7 a.m. – 10 p.m. seven days a week. Disaster survivors also can register by going online at www.DisasterAssistance.gov, or on the Smartphone mobile website m.fema.gov.

SBA representatives at each DRC will assist in completing loan applications, accept loan applications, and answer questions about the application process.

Questions can also be answered by calling the SBA Disaster Customer Service Center at 800-659-2955, or 800-877-8339 TTY for people with speech or hearing disabilities. The lines will operate Monday through Friday, 7 a.m. to 5 p.m.; and Saturday, from 7 a.m. to 3:30 p.m CDT.

Help also is available by sending an email to disastercustomerservice@sba.gov, or online at www.sba.gov.

Those affected by these disasters also can fill out a loan application by visiting SBA's secure website at https://disasterloan.sba.gov/ela/.

SOURCES: Federal Emergency Management Agency, Mississippi Emergency Management Agency [file photo], U.S. Small Business Administration
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During Flood Safety Awareness Week, FEMA, NOAA and Partners Encourage U.S. Residents to Prepare for Springtime Flooding

With many communities throughout the nation facing threats of spring flooding, the Federal Emergency Management Agency [FEMA] and the National Oceanic and Atmospheric Administration [NOAA] are once again joining forces to commemorate Flood Safety Awareness Week, March 14-18.

FEMA and NOAA's National Weather Service are providing tips and information to help individuals and families prepare for flooding dangers during the week and throughout the spring season. The resources can be accessed at the Flood Safety Awareness Week landing page, located at www.ready.gov/floodawareness.

"As the nation's most common and expensive natural disaster, floods can strike virtually every community," said FEMA Administrator Craig Fugate [pictured]. "We're encouraging individuals and families to take a few simple steps to protect themselves and their property.

"These include learning about their risk of flooding, having an emergency preparedness kit, storing important documents in a safe place, and considering the purchase of flood insurance. Most homeowners insurance policies don't cover flooding, and most policies take 30 days to go into effect. So, it's important to act now."

Floods do more than damage property. They can also threaten lives if safety precautions are not followed.

"Floods occur somewhere in the United States or its territories nearly every day of the year -- killing nearly 100 people on average annually, and causing damage in the billions of dollars," said Jack Hayes, Ph.D., director of the National Weather Service. "Awareness, preparedness and action are the key ingredients to protecting lives and property when floods threaten.

"One essential safety tip is to never cross a road that is covered by water. Remember: 'Turn Around, Don't Drown.'"

According to the National Weather Service, more deaths occur due to flooding each year than from any other severe weather related hazard. The main reason: people underestimate the force and power of water. All areas of the country can be at risk for flooding, and when such conditions are forecast, important information and life-saving alerts are available at http://www.weather.gov/.

More than half of all flood-related deaths result from vehicles being swept downstream. Remember: flash flooding can take only a few minutes to a few hours to develop.

Be prepared to take detours and adjust your route due to road closures if there is standing water. As little as six inches of water may cause you to lose control of your vehicle. Flood water may be much deeper than it appears as the roadbed may be washed out. Be especially cautious at night when it is harder to recognize flood dangers.

In most cases, standard homeowner's insurance policies don't cover flood damages. FEMA's National Flood Insurance Program makes flood insurance available to renters, homeowners and business owners through thousands of insurance agents located in nearly 21,000 communities around the nation. Flood coverage can be purchased for properties both in, and outside of, the highest-risk areas -- but should be considered regardless of where you live, since 20 percent of all flood insurance claims come from moderate-to-low-risk areas.

The average cost of a policy is $570 a year, and Preferred Risk Policies outside of Special Flood Hazard Areas can be as low as $129 a year. Individuals can learn more about seasonal flood risks and what to do to prepare by visiting FEMA's FloodSmart.gov website; or, by calling 1-800-427-2419.

Click here for information about residential flood insurance.

Click here for information aabout commercial flood coverage.

About FEMA
FEMA's mission is to support our citizens and first responders to ensure that, as a nation, we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards. Visit http://www.fema.gov/.

About NOAA
NOAA's mission is to understand and predict changes in the Earth's environment -- from the depths of the ocean to the surface of the sun -- and to conserve and manage our coastal and marine resources. Visit http://www.noaa.gov/.

SOURCES: Federal Emergency Management Agency, National Oceanic and Atmospheric Administration, National Weather Service
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