|By Todd Spangler, Detroit Free Press|
|McClatchy-Tribune Information Services|
In the case of catastrophic disasters, federal aid can take the form of search and rescue, electrical power, food, water and shelter. But in most cases, it's in the recovery phase where residents, as well as state and local governments, feel the most financial strain and need assistance.
Once a request is made,
Once approved, however, it can -- depending on the scope of the disaster -- lead to aid under a couple of
Under this program, affected residents and business owners could qualify for up to
After a disaster declaration,
There are also disaster grants to help meet expenses not covered by insurance, including replacement of personal property, as well as medical, dental and funeral expenses and transportation.
Low-interest disaster loans may also be available to cover repair or replacement of homes, automobiles, clothing and other personal property. There are also programs to help with unemployment assistance, legal aid and crisis counseling.
Once an application is taken, the damaged property is inspected and, if approved, an applicant receives a check for assistance. Loan applications take longer to approve. The deadline for most applications is within 60 days of the president's declaration of a major disaster.
Applicants must provide proof of identity and sign a declaration that they are U.S. citizens, noncitizen nationals or qualified immigrants. Applicants may also need to provide proof of occupancy, ownership, income loss, and/or information concerning their housing situation prior to the disaster.
Applicants are asked to keep all receipts and records for any housing expenses incurred as a result of the disaster, including receipts for repair supplies, labor and rent.
Audits are later done to ensure aid went only to eligible applicants and went for its intended purpose.
If applicants have insurance, assistance provided by
However, there are thresholds for losses that a state must meet -- as well as other criteria -- in order to qualify, though they are relatively low.
For statewide assistance, the damage must top
For county-by-county assistance, which could also be available under a disaster declaration, the counties would have to exceed losses of