Trenton, NJ – New Jersey residents affected by Hurricane Ida are advised to contact their insurance company and file a claim for disaster-caused damage. Survivors in counties designated for Individual Assistance who have uninsured or underinsured losses may be eligible for FEMA assistance to make their homes livable.
Understand What Losses FEMA May Cover
FEMA assistance differs from insurance in that it only provides the basic needs to make a home safe, sanitary and functional. FEMA assistance does not make you whole again, but it can give you a helping hand to recover. FEMA disaster assistance covers basic needs only and will not normally compensate you for your entire loss.
Home damage must be related to Hurricane Ida. FEMA inspectors may contact survivors who apply to arrange for an inspection appointment.
Examples of Safe, Sanitary and Functional Repairs to Make a Home Fit to Live in:
Other FEMA help may include temporary expenses to pay for lodging if a survivor’s home is unlivable, or assistance for replacing essential household items.
As every survivor’s situation is different, FEMA calculations on what it may cover vary. Expenses for repairs that exceed the conditions to make a home safe, sanitary and functional are ineligible. Spend Grants Wisely
Disaster grants should not be used for travel, entertainment, regular living expenses or any discretionary expenses not related to the disaster. Survivors should keep receipts for three years to show how they spent FEMA grants.
If grant money is not used as outlined in the letter you receive, you may have to repay FEMA and you could lose eligibility for further federal assistance that could become available later for your disaster recovery.
How to Apply for FEMA Assistance
If you are uninsured or underinsured, you may be eligible for federal assistance.
The fastest and easiest way to apply is by visiting disasterassistance.gov/ or by downloading the FEMA App on the Apple App Store or the Google Play Store.
If it is not possible to apply online, call 800-621-3362. If you use a Relay service, such as a videophone, InnoCaption, or CapTel, give FEMA the number for that service.
If Assistance is Not Enough to Repair your Home to its Original Condition:
After you apply for disaster assistance, you may be referred to the U.S. Small Business Administration (SBA). The SBA may contact you to offer a low-interest disaster loan. Homeowners and renters who are referred to the SBA should complete the loan application even if they decide not to take it in order to remain eligible for additional FEMA programs. SBA loans may include:
Businesses and residents can apply online at https://disasterloanassistance.sba.gov For questions and assistance completing an application, call 800-659-2955 or email DisasterCustomerService@sba.gov. SBA will answer specific questions about how a disaster loan may help each survivor recover from the disaster damage
FEMA's mission is to help people before, during and after disasters.
New Jersey Attorney General Investigating Winslow Twp. Police following Death of Driver in Multi-Vehicle Crash