Assistance Available for Vehicles Damaged by the Severe Storms and Flooding in Rhode Island

 

CRANSTON, R.I – If your vehicle was damaged as a result of the severe storms and flooding that occurred Dec. 17–19, 2023 and Jan. 9-13, 2024, auto insurance and the U.S. Small Business Administration (SBA) are the primary resources available to help with your repairs. If you’re unable to receive help through insurance or SBA, you may qualify for assistance through FEMA’s Other Needs Assistance (ONA) program. Here’s how to find out if you qualify for vehicle repair or replacement assistance:

§  First, file a claim with your insurance company if you have a comprehensive policy. Comprehensive policies usually pay for storm-related damage to a vehicle. Federal disaster assistance may help fill the gaps for those whose coverage does not pay for any or all storm-related damage costs.

§  Return a completed U.S. Small Business Administration (SBA) low-interest disaster-loan application. After registering with FEMA, you may be referred to the SBA to apply for a low-interest disaster loan application.

o    Submit your application to SBA as soon as possible. Even if your insurance claim has not been settled, you can still submit an application.

o    Homeowners and renters may be eligible to borrow up to $100,000 to repair or replace personal property, including automobiles damaged or destroyed in the disaster.

o    If you qualify for an SBA low-interest loan, you don’t have to accept it. However, if you qualify and don’t accept the loan, you may not qualify for additional FEMA assistance.

o    If SBA determines you cannot afford a loan, and you have registered with FEMA, you may be referred to FEMA’s Other Needs Assistance (ONA) program.

 

To begin the process with ONA, you need to verify the following:

§  Your vehicle was damaged during the storm and flooding. Damage can be recorded by the FEMA housing inspector, or you may refer to your FEMA eligibility letter for help on where to send documents.

§  Ownership of the vehicle with valid registration and title.

§  A minimum of liability insurance that meets the State of Rhode Island requirements for insurance at the time of the disaster-damage.

§  You have no other usable vehicle, can confirm the vehicle was damaged within the disaster-designated area, and provide a mechanic’s statement listing the cause of damage, the cost of repair and whether the vehicle is repairable or totaled.

§  FEMA accepts copies, so please keep all original documents for your own records. 

 

Other vehicle needs:

§  If you have more than one storm-damaged vehicle, you will have to write a statement explaining why your household needs more than one working vehicle. Include the number of vehicles and an insurance settlement or statement for each vehicle.

§  If your vehicle is farm equipment, such as a tractor, contact your local Farm Services Agency office to inquire about the USDA disaster assistance program or go to https://www.fsa.usda.gov/programs-and-services/disaster-assistance-program/index.

 

About the U.S. Small Business Administration (SBA)

SBA offers low-interest federal disaster loans for homeowners, renters, and businesses of all sizes. SBA is the federal government’s primary source of funds for the long-term rebuilding of disaster-damaged property. For more information about the SBA loan process call 800-659-2955, email This email address is being protected from spambots. You need JavaScript enabled to view it., or visit the SBA website at sba.gov/disaster. If you are deaf, hard-of-hearing or have a speech disability and use a TTY, call 800-877-8339.

 

Registering with FEMA

Registering with FEMA is the first step when requesting federal assistance from a presidentially declared disaster or emergency. The application requires information such as insurance policies and bank information for possible direct transfer of funds. If you have phone, cellular service and/or internet access, you can register in one of the following ways:

§  Online at DisasterAssistance.gov.

§  By phone: 1-800-621-3362 from 7 a.m. – 1 a.m. ET. Help is available in most languages. If you use video relay service (VRS), captioned telephone service or others, give FEMA your number for that service.

§  Download the FEMA App.

 

FEMA grants do not have to be repaid. FEMA assistance is nontaxable and will not affect eligibility for Social Security, Medicaid, or other federal benefits.

Register even if you have insurance. FEMA cannot duplicate insurance payments, but underinsured applicants may receive help after their claims have been settled.

For the latest information, visit 4765 | FEMA.gov or 4766 | FEMA.gov. Follow FEMA on X, formerly known as Twitter, at twitter.com/femaregion1 and at facebook.com/fema.

For updates on the Rhode Island response and recovery, follow the Rhode Island Emergency Management Agency on Twitter at twitter.com/RhodeIslandEMA, on Facebook at www.facebook.com/RhodeIslandEMA, or visit www.riema.ri.gov.

 

 

Multiple people are dead after a tornado tore through the Iowa town of Greenfield. The Iowa State Patrol says numerous fatalities have been confirmed in the town southwest of Des Moines, but that the exact number isn't expected to be released until later today. Sergeant Alex Dinkla said about a dozen other people were injured and that search efforts are ongoing.        At least two people are dead and three others are injured after a shooting at a business in Pennsylvania. It happened around 8:30 this morning local time at Delaware County Linen in Chester, south of Philadelphia. A suspect has been arrested in connection to the shooting.        Another round of student debt relief is being announced by President Biden. The Department of Education says it's forgiving seven-point-seven-billion dollars in student loans for over 160-thousand borrowers. The debt relief includes over five-billion dollars for those pursuing Public Service Loan Forgiveness, and about two-billion for students enrolled in income-driven repayment plans.        Closing arguments are set for Tuesday in former President Trump's criminal hush money trial in New York. Judge Juan Merchan said he plans on getting the final instructions to the prosecution and defense by the end of Thursday. Trump is accused of falsifying business records to cover-up an alleged sexual encounter with adult film actress Stormy Daniels in 2006.       Republican Vince Fong will fill former House Speaker Kevin McCarthy's seat for the rest of the term. He is the projected winner in yesterday's special election in California. Fong went up against Sheriff Mike Boudreaux, who he will once again face in November.       "Furisoa: A Mad Max Saga" is looking at taking the top spot at the box office this weekend. The fifth entry in George Miller's "Mad Max" series is expected to make between 40 and 45-million-dollars in its debut weekend. Meanwhile, the animated "The Garfield Movie" is expected to cook up between 30 and 35-million-dollars in its first weekend in theaters.