... DisasterAwards:FederalEmergencyManagementAgency(FEMA)WhatisFEMA?FEMAistheFederalEmergencyManagementAgency,whichisresponsibleforprovidingandcoordinatingemergencyservicesinPresidentiallydeclareddisasterareas.FEMAworksas a partnerwithotherpartsoftheFederalgovernmentandwithStateandlocalgovernmentsandvoluntaryorganizations.Whattypesofdisasterassistanceprogramsareavailablein a disaster?TherearetwoprimaryFederalprogramsthatofferdisasterassistance:• FEMA’sIndividualsandHouseholdsProgramprovidesmoneyanddirectservicestothoseaffectedby a majordisaster.Requirementsmustbemettoqualifyforhelpfromthisprogram.• ... Iapplyfor a disasterloan?Youmaydiscoverthatthetotalcoststocompleterepairsonyourownaremorethanyouplanned.WithanapprovedSBAloan,youwillknowthatthefundstomakefullrepairsareavailable.Whilenoonewantsadditionaldebt, a lowinterestloanwithaffordablepaymentsis a better alternativethannotmakingcompletedisasterrepairs.WhathappensifIcannotafford a loantorepairdamagedproperty?IfSBAdeterminesyoucannotafford a loan,SBAwillautomaticallyreferyoubacktoFEMAforadditionalhelp.FEMAmaybeabletoprovidemoneyforotherthanhousingneeds;however,thisadditionalhelpisnotavailabletobusinesses.FEMA’sadditionalhelpisintendedtohelpmeetnecessaryexpensesandseriousneedsnotmetbyanyotherformofassistance,includinginsuranceandSBAdisasterloans.Remember,ifyouweresentanSBAdisasterloanapplication,SBAwillnotreferyoubacktoFEMAunless a completedloanapplicationisreturnedtotheSBAandSBAdeterminesthatyoucannotafford a loan.YoudonothavetosubmitanSBAloanapplicationtobeconsideredforFEMArentalassistance.3. ... rageontheproperty.SincethehomewasdamagedbyfloodandtheapplicantdoesnothaveanactivefloodinsurancepolicyonfilewiththeNationalFloodInsuranceProgram,FEMAcannotproviderepairorreplacementassistanceatthistime.However,FEMAmaybeabletoproviderentalassistanceifaninspectordeterminedthatthehomeisunsafeandtheapplicantneedstorelocatewhilerepairsarebeingmade.WVO–Withdrawn–ApplicantWithdrewVoluntarily:BasedonFEMArecords,theapplicantindicatedthathe/shedidnotwantFEMAassistance.As a result,theFEMAapplicationfordisasterassistancewaswithdrawn.2. AppealDecisions A I69B–Appeal–Ineligible‐SignatureNotObtained(90‐69B):AccordingtoFEMArecords,nosignedDeclaration&ReleaseForm(90‐69B)isonfilefortheapplicant.FEMAcanonlyprovideassistanceifthe90‐69Bformissigned,datedandinthefile. A IAW–Appeal–Ineligible–SameAddress:In a previousletter,weexplainedthatourrecordsshowedthatatthetimeofthedisastertheapplicantwaslivingatthesameaddressassomeonewhoalreadyappliedforFEMAhousingassistance.FEMAFEMA...