BATON ROUGE, La. – There is still time to apply for a grant from FEMA or a low interest disaster loan from the US Small Business Administration (SBA). You must apply for federal assistance by August 2. Your insurance may not have covered the cost of damage to your home after the May flood. The five districts designated for disaster relief are Ascension, Calcasier, East Baton Rouge, Iberville and Lafayette.
FEMA disaster assistance for individuals and families can include money for rental assistance, necessary home repairs, personal property, and other serious disaster-related needs not covered by insurance. This also applies if you are facing additional living expenses due to the need to move into a temporary rental.
If you haven’t already, be sure to file a home insurance claim. FEMA cannot duplicate claims, but can help with underinsured or uninsured losses. It is important to keep in touch with FEMA about the details on the claim received from your healthcare provider after your claim was granted.
Here’s how to apply to FEMA; choose the best way for you:
- Visit www.disasterassistance.gov;
- Call 800-621-3362 (TTY 800-462-7585). Free telephone lines operate from 7 am to 11 pm, seven days a week. Those using relay services such as Videophone, InnoCaption or CapTel must update FEMA with their specific number assigned to that service.
- Download the FEMA mobile app by texting ANDROID or APPLE to 43362.
The SBA may contact you about low interest disaster loan after applying to FEMA. Please complete the SBA Application for the process to proceed. An SBA low interest disaster loan can cover part or all of the difference between your recovery costs, your insurance premium, and your FEMA grant.
- The SBA offers homeowners disaster loans at low interest rates up to the statutory maximum of $ 200,000 to repair or replace your primary residence. Loans are tailored to your personal financial circumstances. On an individual basis, the SBA can help you refinance your current mortgage.
- The SBA can also help renters and homeowners replace household property and vehicles, called personal property. You can borrow up to the statutory maximum of $ 40,000 to repair or replace clothing, furniture, cars, or appliances that have been damaged or destroyed by the disaster.
For additional assistance, the SBA has established a Virtual Disaster Loan Information Center that is open Monday through Friday, 7:00 am to 7:00 pm Central Time. You can contact an SBA Support Representative by email at FOCWAssistance@sba.gov or call 800-659-2955. The SBA will answer specific questions about how a disaster loan can help everyone with disaster recovery and will provide personalized assistance in completing applications for these loans. You can apply online at https://disasterloanassistance.sba.gov