American Red Cross:
Although the American Red Cross is not a government agency, its authority to provide disaster relief was formalized when, in 1905, the Red Cross was chartered by Congress to "carry on a system of national and international relief in time of peace and apply the same in mitigating the sufferings caused by pestilence, famine, fire, floods, and other great national calamities, and to devise and carry on measures for preventing the same." The Charter is not only a grant of power, but also an imposition of duties and obligations to the nation, to disaster victims, and to the people who generously support its work with their donations.
Red Cross disaster relief focuses on meeting people's immediate emergency disaster?caused needs. When a disaster threatens or strikes, the Red Cross provides shelter, food, and health and mental health services to address basic human needs. In addition to these services, the core of Red Cross disaster relief is the assistance given to individuals and families affected by disaster to enable them to resume their normal daily activities independently.
The Red Cross also feeds emergency workers, handles inquiries from concerned family members outside the disaster area, provides blood and blood products to disaster victims, and helps those affected by disaster to access other available resources.
For more information please click on the link www.redcross.org
SBA U.S. Small Business Administration America's Small Business Resource The Facts About...
Disaster Assistance Loans for Homes & Personal Property
If you are in a declared disaster area and are the victim of a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration - even if you don't own a business. As a homeowner, renter and/or personal-property owner, you may apply to the SBA for a loan to help you recover from a disaster.
This brochure describes the type of assistance available and answers the most frequently asked questions about the SBA's disaster-assistance program for individuals. Where practical, assistance with completing the application will be available.
Assistance Available As an individual, there is one basic loan, with two purposes, available to you:
Personal Property Loan: This loan can provide a homeowner or renter with up to $40,000 to help repair or replace personal property, such as clothing, furniture, automobiles, etc., lost in the disaster. As a rule of thumb, personal property is anything that is not considered real estate or a part of the actual structure. This loan may not be used to replace extraordinarily expensive or irreplaceable items, such as antiques, collections, pleasure boats, recreational vehicles, fur coats, etc.
Real Property Loan: A homeowner may apply for a loan of up to $200,000 to repair or restore their primary home to its pre-disaster condition. The loan may not be used to upgrade the home or make additions to it. If, however, city or county building codes require structural improvements, the loan may be used to meet these requirements. Loans may be increased by as much as 20 percent to protect the damaged real property from possible future disasters of the same kind.
For more information please click on the link www.sbaonline.sba.gov/disaster_recov
Individual Assistance Programs
FEMA and other federal, state, local and volunteer agencies offer disaster assistance in several forms:
Low-Interest Loans. Most, but not all, federal assistance is in the form of low interest loans to cover expenses not covered by state or local programs, or private insurance. People who do not qualify for loans may be able to apply for a cash grant.
The Farm Service Agency! a (FSA) and the Small Business Administration (SBA), offer low interest loans to eligible individuals, farmers and businesses to repair or replace damaged property and personal belongings not covered by insurance.
Assistance for Individuals and Households. This program, which may include cash grants of up to $25,000 per individual or household, includes:
· Lodging expenses reimbursement (for a hotel or motel)
· Rental assistance (cash payment for a temporary rental unit or a manufactured home)
· Home repair cash grant
· Home replacement cash grant
· Permanent housing construction in rare circumstances
Other Needs Assistance
· Medical, dental, funeral costs
· Transportation costs
· Other disaster-related needs
For more information please click on the link www.fema.gov