ALC Environmental air testing report, Nov-Dec 2001

NYC 9/11 Public Portal Document

Q 1 have some insurance coveeraage, but it won be enough to payfor all the repairs. tan SBA help me?

A. Yes. SBA disaster loom cover oasts to repair or replace disaster-damaged property, less any arrotures received from insurance or other soutnes. Many property owners lave some seance coverage, but it doesn't coverthe full cost of making disaster repairs. SEA looms can cover these shortfalls, mchiding the insurance deductibles and other amounts which a policy does not covet

Q l already ham a mortgage on my home. I aan f a disaster loan in addition to my mott~garge . padmsent CanS8A help me?

A. If SBA determines you are unable to repay a loan, SBA will automatically refer you to the state-run Individual and Family Grant program. The grant provides a safety met for individuals cot businesses and is available only when you have serous needs information at the Disaster Assistance Service Center that cannot be met with insurance, loans or help from nay other source. Uncompensated needs such as with operating Sunda until your business medical and dental expenses are referred directly to

SBA recovers. To the extent you could have made payments had the disaster not occurred you may use the loan to make payments on short-tarn the state-run giant program. Even if you believe you cannot afford a loan, you must submit your completed loan application to SEA oryou will not notes, accounts payable and installment be considered for other forms ofaid, Complete Your payments on long-term notes.

Application Now Q How much money can 1 borrow?

A. You may request an EIDL for the amount of economic injury and operating needs, but not in Q. I rregtrtered with FEMA, then receiveda excess of what your business could have paid aluarec disaster loan applicationfrom SBA. Why? had the disaster not occurred. In determining Assistance Guide your eligible amount, the SBA will look at: A. The U.S. Small Business Administration (a) the total of your debt obligations; Disaster Assistance Guide is published by {SBA) is the primary source of federal funds for (b)operating expenses that mature during the Federal Emergency Management long-term recovery assistance for disaster the period affected by the disaster, plus the Agency and the New York State victims. For disaster damage to property owned amount you need to maintain a reasonable Emergency Management Office with help by homeowners, renters and businesses of all working capital position during that period; and from other federal, state and voluntary sizes and non-profit orgartizntions, which is not agencies. Comments and inquiries may be (c) expenses you could have met and a fully covered by insurance, the basic form of directed to 800-525-0321. working capital position you could have federal assistance is n.lowinterest disaster loan. maintained had the disaster not occurred. The Internet / World Wide Web SBA will evaluate the information you provide Q. Xow amylgetiei+pllirig out my application and determine the reasonableness of your loan DR 1391 for a disas7ei""Tomt" om SBA? request.

A. SBA has loan officers in every disaster Q. I received a checkfrom FEMA to payfor recovery center or assistance service center to repairs to my home, but it warn ? enough tofix all provide one-on-one service to disaster victims. the ditatrter damage. Can I get more help? You may visit SBA representatives at any of these locations, and you do not need an appoint- A. The temporary housing assistance check you ment. To find out the nearest location, call the received from FEMA pays for essential, SBA's toll-free number 800-659-2955. immediate repairs so you can live in your house. It is not intended to cover the full costs of Q. * business sti erred economic injury. What's repairing all disaster damages. Low-interest available? disaster loans from the SBA are the primary source of federal assistance to pay for uninsured A. You can apply for an Economic injury damages to your home and fcvniture, clothing, ~aster Loan (SIDL). The loan will provide you vehicles and otherbelongiings.

United We Stand -5

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