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Latest News For You | For Agency Professionals
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Information on Disaster Assistance for NJ
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homeowners, renters and business owners
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affected by severe flooding in
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Bergen, Burlington, Camden, Essex, Gloucester, Hudson, Mercer,
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Middlesex, Morris, Passaic, Somerset and Union Counties
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GETTING STARTED ഀ
INSURANCE CLAIMS ഀ
If your home has suffered damage, call the agent who handles your flood insurance to file a claim or the National Flood Insurance Programഀ
1-800-638-6620 to confirm your current flood insurance and where to submit your claim. If you are unable to stay at home, make sure toഀ
say where you can be reached. To make filing your claim easier, take photos of any water in the house and save damaged personal property. If ഀ
necessary, place these items outside the home. An insurance adjuster will need to see what is damaged in order to process your claim. ഀ
What to do if FEMA Assistance is Denied
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For more information on how to appeal a denial letter stating that they are ineligible for disaster assistance can follow a process to appeal this decisionfrom FEMA, ഀ
please visit http://www.fema.gov/news/newsrelease.fema?id=36246 ഀ
Disaster Recovery Centers & Loan Outreach Centers ഀ
*Assistance Centers may be set up in your local community to apply in person and to talk through the FEMA application process. ഀ
This site will be updated daily with the latest information. ഀ
Once registered with FEMA, individuals visiting a DRC can get information on the status of their application; details on the types of state and federal disaster ഀ
assistance available; help with completing U.S. Small Business Administration (SBA) loan applications for homeowners, renters, and businesses of any size for losses ഀ
not fully compensated by insurance; types of assistance available through voluntary agencies; and rebuilding tips on how to minimize future storm damage. ഀ
SBA Disaster Loan Assistance Centers Available ഀ
There are seven SBA Disaster Loan Outreach Centers (DLOC) listed below in Lumberton, Paterson, Pennsauken, Piscataway, Clayton, Lodi and Fairfield where SBAഀ
representatives are available to answer questions and help individuals complete their low-interest loan applications. The DLOCs are open Monday through Friday ഀ
from 8 a.m. to 5 p.m., except Paterson, whose hours are 8:30 a.m. to 4:30 p.m. and Lodi, whose hours are 8:30 a.m. to 4 p.m. For business questions, a Business ഀ
Assistance Center is open in Bound Brook, 8 a.m. to 5p.m., Monday through Friday. ഀ
SBA offers disaster loans up to $200,000 to repair disaster-damaged primary residences. Homeowners and renters are eligible for up to $40,000 to replace damaged ഀ
personal property such as furniture and clothing. Loans to businesses of all sizes and private nonprofit organizations up to $1.5 million are available to repair or ഀ
replace damaged real estate, machinery and equipment, supplies and inventory. Economic Injury Disaster Loans (EIDLs) are also available to small businesses unable ഀ
to pay bills
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or meet operating expenses because of the disaster. ഀ
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DISASTER LOAN OUTREACH CENTERSഀ
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| Location | ഀ
Opening | ഀ
Closing | ഀ
Hours | ഀ
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Bergen County
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Lodi Municipal Building
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One Memorial Drive, 2nd Floor
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Lodi, NJ 07644 | ഀ
Friday, June 8 | ഀ
Unspecified | ഀ
Mon - Fri, 8:30am to 4:30pm | ഀ
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Burlington County
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Lumberton Municipal Building Parking Lot
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34 Municipal Drive
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Lumberton | ഀ
Friday, May 25 | ഀ
Unspecified | ഀ
Mon - Fri, 8:00am to 5:00pm | ഀ
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Camden County
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Pennsauken Fire Department
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8362 Stockton Avenue
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Pennsauken | ഀ
Thursday, May 17 | ഀ
Unspecified | ഀ
Mon - Fri, 8:00am to 5:00pm | ഀ
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Gloucester County
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Gloucester County Government Services Bldg.
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1200 N. Delsea Drive (Route 47)
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Clayton, NJ 08312
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| Monday, May 21 | ഀ
Unspecified | ഀ
Mon - Fri, 8:00am to 5:00pm | ഀ
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Middlesex County
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Piscataway Township Fire Training Center
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Corner of Baekland & Clawson Rd (across from 23 Clawson)
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Piscataway, NJ 08854 | ഀ
Friday, May 25 | ഀ
Unspecified | ഀ
Mon - Fri, 8:00am to 5:00pm | ഀ
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Passaic County
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Thomas Roger Building
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2 Market St. (2nd Floor)
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Paterson | ഀ
Friday, May 25 | ഀ
Unspecified | ഀ
Mon - Fri, 8:30am to 4:30pm | ഀ
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Somerset County
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Business Assistance Center
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Middle Earth Recreation Center
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405 Main Street, 2nd Floor
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Bound Brook, NJ 08805 | ഀ
Thursday, June 7 | ഀ
Unspecified | ഀ
Mon - Fri, 8:00am to 5:00pm | ഀ
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Apply for and learn about grants for private non-profit organizations or local and state governments at ഀ
www.fema.gov/government/grant/pa/index.shtm ഀ
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Report False Damage Claims ഀ
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If you suspect someone is filing false damage claims, please report it. Help FEMA make sure that disaster aid goes only to those who deserve it. It is a violation of federal law ഀ
to file a false claim. ഀ
Report a false damage claim:ഀ
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USDA RURAL DEVELOPMENT ഀ
Loans may be available from the USDA for flood victims who live in areas declared as rural, and who are ineligible for an SBA loan. ഀ
When applying for loans, you may be asked to show:ഀ
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- An itemized list of losses and estimated cost of replacement or repairഀ
- Copies of your federal tax returns for the last 3 yearsഀ
- Copies of your deed, mortgage, or leaseഀ
- Estimates of new flood insurance premiumsഀ
- Copies of previous insurance policies or settlementsഀ
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For Personal Loss
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- Proof of monthly income (paycheck stubs, bank statements)ഀ
- Driver’s license and/or social security numberഀ
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For Business or Farm Loss
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- Brief history of the business or farmഀ
- Personal and business financial statementsഀ
- Loan repayment scheduleഀ
- List of bills owedഀ
- Farm Service Agency Information on farm crop base and assigned yieldsഀ
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You can submit a form online at http://www.sc.egov.usda.gov/. You will have ഀ
to register online and create a USDA account before you can fill out and submit an application form. You may also apply at your local USDA ഀ
Service Center. ഀ
USDA Rural Development has a homeownership repair program for seniors over 62 years of age and limited repayment ability. Check this atഀ
www.rurdev.usda.gov/nj/repair.html. The Rural Development grant program ഀ
is up to $7,500 and if needed a 1% 20 year loan up to $20,000. This grant and loan can supplement the FEMA program for those areas in the dwelling ഀ
that are ineligible for FEMA assistance. To qualify, the dwelling needs to be in an eligible area (see web site ഀ
www.rurdev.usda.gov/nj/eligarea.html). Secondly, you must be in the very low income level, also on the web site at www.rurdev.usda.gov/rhs/sfh/dsfh_income_limits/nj%20direct.pdf. To be grant eligible one of the occupants must be the home owner, 62 years of age or older and limited repayment ഀ
ability to afford a 504 repair loan. The grant monies are to be used to remove health and safety hazards. ഀ
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