Project Contact

HOMELESS TO INDEPENDENCE INC.’S NATION-WIDE PROJECT “CONTACT”

Wednesday 22nd February 2012
**************************************

1-732-264-7500 MONDAY THROUGH FRIDAY 7:30AM EST TO 5PM EST
1-609-577-3555 24/7/365 FOR EMERGENCIES
OR ANN@HOMELESSTOINDEPENDENCE.ORG

*************************************

Winter Weather Patterns Can Increase Risk for Flooding

Take Steps to Prepare Now and Protect Yourself and Your Family

Release Date: February 1, 2012
Release Number: HQ-12-005

WASHINGTON, D.C. — Floods are a year-round hazard and do not end when cold weather begins. Although this winter has not yet proven to be as severe as in past years, the coming months can bring about a range of conditions across the country that could affect your community. Areas that receive less snow and rain this winter season may later experience drought-like conditions that, when it does rain, can lead to flash flooding. The onset of seasonal rains and snowmelt can also lead to flooding. FEMA encourages citizens to understand the unique flood risks associated with winter weather, and prepare now with an emergency plan, which may include purchasing flood insurance to protect property and possessions from flood damage.

Winter rainy season in the Pacific Northwest consistently delivers intense winter storms and the majority of annual precipitation to that region. Residents may also face an increased risk of flooding and mudslides because of recent wildfires that leave the ground charred and unable to absorb excess water generated by rain and snow. Across the country, particularly in the Midwest and Northeast, heavy snowfall, ice jams, rapid snowmelt, and intense rainstorms caused by fluctuating temperatures can all increase the likelihood and the severity of localized flooding.

The good news is that there are simple steps that citizens can take to address these risks. These include having an emergency supply kit with items such as non-perishable food, water, and a flashlight with batteries, and a family emergency plan that considers your insurance coverage, especially flood insurance. Anyone can visit ready.gov for helpful tips on how to prepare for the risks associated with flooding.

“When it comes to reducing the vulnerability to natural disasters, the whole community has a role to play, and that includes individual citizens,” said David Miller, associate administrator for FEMA’s Federal Insurance and Mitigation Administration. “One of the most critical ways residents can protect their homes and businesses from the severe weather that may cause flooding is to obtain flood insurance.”

Many people mistakenly believe that their homeowners insurance covers flood damage. Only flood insurance financially protects properties from flooding, which is the nation’s most common and costly natural disaster. However, it typically takes 30 days for a new flood insurance policy to take effect, so residents should not wait for a storm to strike before purchasing coverage. It only takes a few inches of water in a home or business to cause thousands of dollars of damage. The time to get protected is now.

Between 2006 and 2010, the average flood claim was nearly $34,000. That’s more than many survivors can afford to pay out of pocket for damages due to flooding. While no one wants a flood to impact them, with federally backed flood insurance, citizens have an important financial safety net to help cover costs to repair or rebuild if a flood should strike. Individuals can learn more about flood risk and their options for insurance coverage by visiting FloodSmart.gov or by calling 1-800-427-2419.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Last Modified: Wednesday, 01-Feb-2012 14:26:29

***************************************************

NOW AVAILABLE: FEMA P-811: Earthquake Publications for Businesses (QuakeSmart Toolkit)

The Federal Emergency Management Agency (FEMA) National Earthquake Hazards Reduction Program (NEHRP) is pleased to announce the release of FEMA P-811 CD: Earthquake Publications for Businesses (QuakeSmart Toolkit).

Thousands of earthquakes occur in the United States each year; most are too small to significantly affect businesses and communities. However, large and very damaging earthquakes have occurred in the past and could happen again at anytime. In general, many businesses have invested in emergency management and continuity of operations planning. However, most businesses have not conducted earthquake mitigation measures to protect their assets, staff, and business operations. During an earthquake, buildings—or their components or contents—can be collapsed, toppled, broken apart, tossed around, or rendered inoperable or unusable.

Therefore, as part of addressing all-hazards emergency management, it is critical for businesses to also incorporate actionable earthquake mitigation solutions into their planning and business decisions. By doing so, businesses protect the organization’s assets (people, property, operations); sustain the capability to provide goods and/or services to the community; maintain cash flow; preserve competitive advantage and reputation; and provide the ability to meet legal, regulatory, financial and contractual obligations.

This QuakeSmart Toolkit (FEMA P-811CD) provides business owners, managers, and employees with basic guidance and ready-to-use tools that can be tailored to the specific needs and requirements of the user. The guidance and tools focus on the importance of earthquake mitigation and the simple things they can do to reduce the potential of earthquake damages, injuries, and financial losses at work…AND also at home and within their communities.

Thanks to our contributors and subject matter experts for their forthcoming support in developing this QuakeSmart Toolkit! It walks you through the following 3-step QuakeSmart process:

How to identify your risk
How to make a mitigation project plan
How to take action and implement the techniques for ensuring and enhancing business resilience from an earthquake

To immediately view or download the QuakeSmart Toolkit (FEMA P-811CD), visit http://www.fema.gov/plan/prevent/earthquake/qstoolkit/index.shtm.

To order CD copies of the QuakeSmart Toolkit from the FEMA Publications Warehouse, call (800) 480-2520 or fax your request to (240) 699-0525.

To download other FEMA Earthquake guidance and materials, visit http://www.fema.gov/plan/prevent/earthquake/publications.shtm.

Thank you for your continued interest and support. Please feel free to share this message with others.

Posted 01-04-12

*******************************************

Having Our Children Prepared for Severe Weather:
SCHOOL-EMERGENCY-SUPPLIES-GO-KIT

*************************************

Midwesterners: Start Preparing Now for Severe Winter Weather

Release Date: December 1, 2011
Release Number: R5-11-077

CHICAGO, Ill. — With winter just around the corner, the U.S. Department of Homeland Security’s Federal Emergency Management Agency (FEMA) Region V reminds everyone to start preparing for the possibility of severe winter storms and extreme temperatures. Midwesterners can find helpful tips and recommendations to help them get prepared at www.ready.gov/winter.

“Most of us in the Midwest are familiar with severe winter weather, but you can never be too prepared,” FEMA Region V Administrator Andrew Velasquez III said. “Take the time now to winterize both your home and your vehicle to protect you and your family.”

Severe winter weather can include snow or subfreezing temperatures, strong winds and ice or heavy rain storms. An emergency supply kit at home and in the car will help prepare people for power outages and icy or impassable roads.

An emergency supply kit should include a three-day supply of food and water for each person, a battery-powered or hand-crank radio, extra flashlights and batteries, and any items to meet the unique needs of your family.

In preparation for winter weather, thoroughly check and update your family’s emergency supply kit to include:

Rock salt or more environmentally safe products to melt ice on walkways. Visit the Environmental Protection Agency’s website for a complete list of recommended products.
Sand to improve traction.
Snow shovels and other snow removal equipment.
Sufficient heating fuel. You may become isolated in your home and regular fuel sources may be cut off. If you have a fireplace or wood-burning stove, be sure to store a good supply of dry, seasoned wood. If your heat goes out, never use a generator or other gasoline, propane, natural gas or charcoal-burning devices inside a home.
Adequate clothing and blankets to keep you warm.

Additionally, these tips will help you and your family get through the winter:

Make a family communications plan. Your family may not be together when disaster strikes, so it is important to know how you will contact one another, how you will get back together and what you will do in case of an emergency.
Listen to a NOAA Weather Radio or other local news channels for critical information from the National Weather Service (NWS) and public safety officials. Be alert to changing weather conditions.
Minimize travel. If travel is necessary, keep an emergency supply kit in your vehicle.
Bring pets/companion animals inside during winter weather. Move other animals or livestock to sheltered areas.

Finally, everyone should get familiar with the terms that are used to identify a winter storm hazard and discuss with your family what to do if a winter storm watch or warning is issued. Terms used to describe a winter storm hazard include the following:

Freezing Rain creates a coating of ice on roads and walkways.
Sleet is rain that turns to ice pellets before reaching the ground. Sleet also causes roads to freeze and become slippery.
Winter Weather Advisory means cold, ice and snow are expected.
Winter Storm Watch means severe weather such as heavy snow or ice is possible in the next day or two.
Winter Storm Warning means severe winter conditions have begun or will begin very soon.

Last Modified: Monday, 12-Dec-2011 10:38:05

******************************************

Earthquake Prevention and Retrofitting

On August 23, 2011, at 1:51 p.m., a magnitude 5.8 earthquake occurred in central Virginia. The epicenter was 5 miles south/southwest of the town of Mineral, Virginia, and 38 miles northwest of Richmond, Virginia. This was the largest earthquake east of the Rocky Mountains since a magnitude 5.8 event in 1944 on the New York/Ontario border and the largest earthquake in Virginia since a magnitude 5.9 event in 1897 in Giles County in western Virginia.

Although Steve Smith’s home is near the epicenter, it escaped most of the damage his neighbors received: chimney damage or collapse, plaster/drywall cracking, foundation wall cracks and blowouts, brick veneer falling away, and structures shifting and separating.

Relying on his background in the construction business, Smith used construction techniques and materials that were above and beyond code requirements and normal construction techniques for this area. He also will use a new technique to retrofit the damage that did occur.

Smith used manufactured open-web steel floor joists, placed at 16 inches on center. With less mass and weight, there was less movement and therefore less damage from the earthquake. The lighter structure with stronger connections lowers the seismic force. Steel’s high strength and ductility make it a good material for earthquake-resistant design.

As an alternative to typical milled timber, Smith used laminated veneer lumber (LVL) as a header over door and window openings and on bearing walls. This greatly improved the structural integrity for seismic considerations. LVL is stronger than milled lumber, more uniform, and less likely to twist or bow. Smith used another successful building technique to construct his 9 foot by 20 foot porch pad: 16-gauge corrugated-steel decking covered with 6 inches of concrete reinforced with #6 (¾ inch) re-bar. Unlike other cracked and displaced concrete patios and porch pads in the area, Smith’s pad only moved slightly, and moved as a single unit, without cracking, breaking, or collapsing.

The house did suffer some cracking in the cast-in-place concrete foundation walls. After consulting with his contractor employer, Smith decided to retrofit the foundation using carbon fiber reinforcement.

Disclaimer

The FEMA Best Practices Portfolio consists of mitigation stories submitted by individuals and communities that describe measures they have taken to reduce the loss of life and property from disasters. These Best Practices are meant to provide ideas and concepts about reducing losses and to encourage others to evaluate their own risk and consider mitigation as a long-term solution to reducing that risk. Although some stories may suggest specific applications or building techniques, they are not meant to provide technical advice about construction techniques or types of materials to use. Building codes will vary by locality; if you are making structural changes or improvements always check with your local government regarding codes that apply to your home or community. If using a contractor, be sure to use one who is licensed and bonded. For additional information on building codes and building science, visit the FEMA Library, at http://www.fema.gov/library.

11-09-11

*****************************************************************

Home Up High to Keep the Contents Dry

Hurricane Isabel is known to many North Carolinians, especially the residents on the state’s east coast, as the storm that flooded and severely damaged their homes in 2003. Several days after floodwaters receded, Pamlico County residents, Flossie Gibbs and her daughter Janie Parker, were able to return to their home in Mesic and discover that 3 feet of water had nearly destroyed all of their belongings. The home would have to be extensively repaired and elevated to prevent damage from future storms before they could move back in.

Since her community had a new ordinance that required her home to be elevated, Gibbs feared being unable to afford the additional cost. Immediately turning to her insurance agent for help, she learned that she could file a claim for assistance under her flood insurance policy to have her repetitively flooded home elevated.

Elevation, one of the most common retrofitting methods, is a mitigation technique that prevents or reduces flooding to a structure from future disasters. It is an alternative to demolishing a structure or relocating it to higher ground. Elevation is sometimes required for structures that are situated in low-lying areas to remain on the land after they have been flooded.

The claim Gibbs filed was for Increased Cost of Compliance (ICC) coverage. ICC coverage is available to National Flood Insurance Program (NFIP) policyholders in high-risk areas, also known as Special Flood Hazard Areas (SFHAs). Under ICC, policyholders have four options to be compliant with their community’s ordinances: floodproofing (primarily for non-residential buildings), relocation, elevation, or demolition. If eligible for ICC, policyholders can receive up to $30,000 to help cover the costs to bring their home or business into compliance with the local community’s Flood Damage Prevention Ordinance (FDPO). Although ICC funds may not be enough to complete the elevation project, they help the policyholder from having to cover the entire expense out-of-pocket.

In August 2011, Hurricane Irene devastated homes and residents along the eastern United States. North Carolinians suffered damage from storm surge, extreme winds, and torrential rain as the storm slowly moved northward. Gibbs’ neighborhood was flooded, but her home sustained only minor flood damage to the insulation and electrical wiring below the home. “It (Irene) flooded everything in this neighborhood but about seven houses,” said Parker.

Although Gibbs’ home suffered wind and rain damage, her appliances and furniture were not affected by flooding. This time, unlike 8 years ago, Gibbs and her daughter were able to live in their home after the floodwaters receded. “We are truly blessed compared to other people,” said Parker. “Before (following Isabel), we were out of our home for 3 years.”

For information on the NFIP or ICC, please visit http://www.floodsmart.gov or call toll-free 888-379-9531. For additional information on ICC claims, flood insurance policyholders should contact their insurance agents.

**********************************************************

FEMA Offers Free Online Booklet to Help Children Cope with Irene
Release Date: October 20, 2011
Release Number: 4021-057

NEPTUNE, N. J. — Natural disasters like Hurricane Irene can leave children feeling frightened, confused, and insecure. Whether a child has personally experienced trauma, has merely seen the event on television, or has heard it discussed by adults, it is important for parents and teachers to be informed and ready to help if reactions to stress begin to occur.

“Helping Children Cope with Disaster” is a free, 12-page publication available through the Federal Emergency Management Agency’s Web site, www.fema.gov. The booklet, developed jointly with the American Red Cross, is easily downloaded in PDF form and may be used without restriction.

The booklet offers parents, teachers, caregivers, and other adults suggestions on how to help children cope with the effects of disaster, as well as how to be prepared before a disaster strikes. Topics include:

• Identifying children at risk
• How disaster can create vulnerabilities in children
• How children react to disaster by age
• Meeting a child’s emotional need
• Reassuring children after a disaster
• Ways to monitor and limit your family’s exposure to the media

“Helping Children Cope with Disaster” can be downloaded at: http://www.fema.gov/rebuild/recover/cope_child.shtm and a copy is attached.

Last Modified: Monday, 24-Oct-2011 09:44:54

****************************************************

Kids Can Overcome Fears as They Help Prepare for a Future Disaster
Release Date: October 15, 2011
Release Number: 4025-070

HARRISBURG, Pa. — When kids go through a storm or tornado or other kind of disaster they may feel helpless, experts with the Federal Emergency Management Agency (FEMA) say. Even if they do not experience it themselves, seeing or hearing about what happened to a friend or classmate can be unsettling. Helping plan for their own family in case of a disaster can help kids overcome their fears.

Let children help put together a family disaster kit. Have them list what you will need to put in your kit in order to be prepared. Take them with you to shop for items you do not have in the house.

Here are the basic emergency supplies for a basic family disaster kit:

Three-day supply of non-perishable food.
Three-day supply of water – one gallon of water per person, per day.
Portable, battery-powered radio or television and extra batteries.
Flashlight and extra batteries.
First aid kit and manual.
Sanitation and hygiene items (moist towelettes and toilet paper).
Matches and waterproof container.
Whistle.
Extra clothing.
Kitchen accessories and cooking utensils, including a can opener.
Photocopies of credit and identification cards.
Cash and coins.
Special needs items, such as prescription medications, eye glasses, contact lens solutions, and hearing aid batteries.
Items for infants, such as formula, diapers, bottles, and pacifiers.
Other items to meet your unique family needs (pet supplies, for example).
If you live in a cold climate, think about how you will keep warm if you lose power. You will need warm clothing and bedding supplies. Be sure to include one complete change of clothing and shoes per person, including:

Jacket or coat.
Long pants and long sleeve shirt.
Sturdy shoes.
Hat, mittens, and scarf.
Sleeping bag or warm blanket (per person).
For more information and for activities for children in preparing and coping with a disaster go online at www.ready.gov/kids.

Last Modified: Monday, 17-Oct-2011 14:33:42

***********************************************

The Tip Sheet for How to Communicate During Disasters is below, or check out www.ready.gov/tech or fcc.gov.

Consumers with questions about their particular mobile phone devices should contact their wireless provide or equipment manufacturer.

TIP SHEET

When disaster strikes, you want to be able to communicate by both receiving and distributing information to others. You may need to call 9-1-1 for assistance, locate friends or family, or let loved ones know that you are okay. During disasters, communications networks could be damaged, lose power, or become congested. This fact sheet provides two important sets of tips. The first will help you prepare your home and mobile devices for a disaster. The second may help you communicate more effectively during and immediately after a disaster.

Before a Disaster: How to Prepare Your Home and Mobile Device

1. Maintain a list of emergency phone numbers in your cell phone and in or near your home phone.
2. Keep charged batteries and car-phone chargers available for back-up power for your cell phone.
3. If you have a traditional landline (non-broadband or VOIP) phone, keep at least one non-cordless phone in your home because if it will work even if you lose power.
4. Prepare a family contact sheet. This should include at least one out-of-town contact that may be better able to reach family members in an emergency.
5. Program “In Case of Emergency” (ICE) contacts into your cell phone so emergency personnel can contact those people for you if you are unable to use your phone. Let your ICE contacts know that they are programmed into your phone and inform them of any medical issues or other special needs you may have.
6. If you are evacuated and have call-forwarding on your home phone, forward your home phone number to your cell phone number.
7. If you do not have a cell phone, keep a prepaid phone card to use if needed during or after a disaster.
8. Have a battery-powered radio or television available (with spare batteries).
9. Subscribe to text alert services from local or state governments to receive alerts in the event of a disaster. Parents should sign up for their school district emergency alert system.

During and After a Disaster: How to Reach Friends, Loved Ones & Emergency Services

1. If you have a life-threatening emergency, call 9-1-1. Remember that you cannot currently text 9-1-1. If you are not experiencing an emergency, do not call 9-1-1. If your area offers 3-1-1 service or another information system, call that number for non-emergencies.
2. For non-emergency communications, use text messaging, e-mail, or social media instead of making voice calls on your cell phone to avoid tying up voice networks. Data-based services like texts and emails are less likely to experience network congestion. You can also use social media to post your status to let family and friends know you are okay. In addition to Facebook and Twitter, you can use resources such as the American Red Cross’s Safe and Well program (www.redcross.org/safeandwell).
3. Keep all phone calls brief. If you need to use a phone, try to convey only vital information to emergency personnel and/or family.
4. If you are unsuccessful in completing a call using your cell phone, wait ten seconds before redialing to help reduce network congestion.
5. Conserve your cell phone battery by reducing the brightness of your screen, placing your phone in airplane mode, and closing apps you are not using that draw power, unless you need to use the phone.
6. If you lose power, you can charge your cell phone in your car. Just be sure your car is in a well-ventilated place (remove it from the garage) and do not go to your car until any danger has passed. You can also listen to your car radio for important news alerts.
7. Tune into broadcast television and radio for important news alerts. If applicable, be sure that you know how to activate the closed captioning or video description on your television.
8. If you do not have a hands-free device in your car, stop driving or pull over to the side of the road before making a call. Do not text on a cell phone, talk, or “tweet” without a hands free device while driving.
9. Immediately following a disaster, resist using your mobile device to watch streaming videos, download music or videos, or play video games, all of which can add to network congestion. Limiting use of these services can help potentially life-saving emergency calls get through to 9-1-1.
10. Check www.ready.gov regularly to find other helpful tips for preparing for disasters and other emergencies.

Last Modified: Monday, 26-Sep-2011 10:47:01

***************************************

Kids: An Important Part of a Family Disaster Plan
Release Date: September 25, 2011
Release Number: 4020-050

ALBANY, N.Y. – September is an exciting time for children getting into the swing of a new school year. September is also National Preparedness Month, a great opportunity for parents to involve kids in creating a family disaster plan in case of emergency.

By engaging children in preparing a family disaster plan, parents can establish in their kids a sense of control and confidence. Kids can be directly involved in putting together a family emergency preparedness kit and in making plans for the care of family pets in case of disaster.

Talking with kids about the dangers that families can face in an emergency — in a calm and age-appropriate way — is an important first step toward preparedness. Violent events such as earthquakes, hurricanes, tornadoes, fires, floods or acts of terrorism are frightening to children and adults alike. Talking about such hazards with children can decrease their fear.

When children have a sense of being directly involved and doing something positive and constructive, everyone gains energy and confidence. There are three basic steps all families should follow to prepare for emergencies:

Put together a family emergency kit or “Go Bag”
Make a family disaster plan
Stay informed about potential emergencies and disaster plans in your community
Helping their parents assemble an emergency kit is an ideal activity for children. (visit http://www.ready.gov/kids/step1/index.html) Explain to kids that families like yours may need to survive on their own for a little while after an emergency. This means having food, water, and other supplies to last three days.

Recommended items to include in a family emergency kit or ‘Go Bag’:

One gallon of water per person per day for at least three days, for drinking and sanitation
A three-day supply of non-perishable food
Battery-powered AM/FM radio and/or a NOAA Weather Radio receiver
Flashlight and extra batteries
First aid kit and whistle
A dust mask, plastic sheeting and duct tape
Moist towelettes, garbage bags and plastic ties
Wrench, pliers, matches and can opener
Local maps
Cellphones with chargers, inverter or solar charger
You may want to include additional items in your kit, including prescription medications, eyeglasses, infant formula and diapers, food, water and supplies for your pet or pets, as well as cash. For more information about assembling a family emergency kit, visit http://www.ready.gov/america/getakit/index.html.

Involve your kids in developing a family disaster plan

Identify an out-of town contact. It may be easier to make a long-distance phone call than to call across town, so an out-of-town contact may be in a better position to communicate among separated family members. If you have kids, the contact should be someone they know and trust.
Be sure every member of your family has a cell phone to reach the emergency contact or designated “ICE” (In Case of Emergency) number in your phone. Make sure to tell those you have so designated that you’ve listed them as emergency contacts.
Teach family members, including kids, how to use text messaging. Text messages can often get around network disruptions when a phone call might not be able to get through.
Once you have developed your plan, you and your children need to practice and maintain it.
Stay informed

Talk to your kids about what kinds of disasters, both natural and man-made, are most likely to occur in your area and how you will be notified. Find out if your area will be served by emergency radio and TV broadcasts. Other emergency alert methods might include a special siren, a telephone call or a visit from emergency workers.

In addition, learn about the emergency plans that have been established in your area by your state and local government and share that information with your children.

You may also want to inquire about emergency plans at places where you and your family members spend time: work, daycare and school. You and your kids will be better prepared to safely reunite during an emergency if you think ahead and communicate with others in advance.

Last Modified: Sunday, 25-Sep-2011 14:14:11

********************************************************

FEMA & FCC Unveil New Tip Sheet for Consumers on How to Communicate During Disasters
Earthquakes, Hurricanes & Other Recent Emergencies Underscore Need to Empower the Public with Practical Information on Preparing for How to Communicate Before a Disaster Strikes – And How to Better Communicate During and After a Disaster

Release Date: September 21, 2011
Release Number: HQ-11-199

WASHINGTON, D.C. — September 21, 2011 – As part of National Preparedness Month, the Federal Emergency Management Agency (FEMA) and the Federal Communications Commission (FCC) today released new tips for consumers aimed at preparing them for major disasters when communications networks are more likely to be compromised or damaged. Nearly one month ago, a 5.8 magnitude earthquake and Hurricane Irene struck the East Coast. In the minutes and hours that followed, mobile networks experienced significant network congestion, temporarily making it harder for millions of people to reach loved ones and emergency services. This tip sheet aims to help prepare Americans about how to communicate with each other, and loved ones, in the event of another disaster.

“Between the East Coast earthquake, Hurricane Irene, Tropical Storm Lee, and wildfires in Texas and California, we have had a lot of powerful reminders lately that disasters can strike anytime, anywhere – and can often make it difficult for the public to communicate with friends, loved ones or emergency personnel,” said FEMA Administrator Craig Fugate. “An important part of preparing for disasters includes getting ready for potential communications challenges, whether caused by power outages or heavy cell network congestion. These simple tips are easy for anyone to follow and could make a world of difference when it matters the most.”

FCC Chairman Julius Genachowski said, “When disaster strikes, the ability to communicate is essential. However, power outages and other issues can interfere with the way people ordinarily communicate, making it harder to reach loved ones or emergency services. The FCC is committed to ensuring the public’s safety through the reliability of our nation’s communications networks. But there are also simple steps that consumers can take to prepare for a disaster as well as practical ways to better communicate during and after an event. I encourage all Americans to become familiar these tips and share them with friends and family.”

The Tip Sheet for How to Communicate During Disasters is below, or check out www.ready.gov/tech or fcc.gov.

Consumers with questions about their particular mobile phone devices should contact their wireless provide or equipment manufacturer.

TIP SHEET

Before a Disaster: How to Prepare Your Home and Mobile Device

1.Maintain a list of emergency phone numbers in your cell phone and in or near your home phone.
2.Keep charged batteries and car-phone chargers available for back-up power for your cell phone.
If you have a traditional landline (non-broadband or VOIP) phone, keep at least one non-cordless phone in your home because if it will work even if you lose power.
Prepare a family contact sheet. This should include at least one out-of-town contact that may be better able to reach family members in an emergency.
Program “In Case of Emergency” (ICE) contacts into your cell phone so emergency personnel can contact those people for you if you are unable to use your phone. Let your ICE contacts know that they are programmed into your phone and inform them of any medical issues or other special needs you may have.
If you are evacuated and have call-forwarding on your home phone, forward your home phone number to your cell phone number.
If you do not have a cell phone, keep a prepaid phone card to use if needed during or after a disaster.
Have a battery-powered radio or television available (with spare batteries).
Subscribe to text alert services from local or state governments to receive alerts in the event of a disaster. Parents should sign up for their school district emergency alert system.
During and After a Disaster: How to Reach Friends, Loved Ones & Emergency Services

If you have a life-threatening emergency, call 9-1-1. Remember that you cannot currently text 9-1-1. If you are not experiencing an emergency, do not call 9-1-1. If your area offers 3-1-1 service or another information system, call that number for non-emergencies.
For non-emergency communications, use text messaging, e-mail, or social media instead of making voice calls on your cell phone to avoid tying up voice networks. Data-based services like texts and emails are less likely to experience network congestion. You can also use social media to post your status to let family and friends know you are okay. In addition to Facebook and Twitter, you can use resources such as the American Red Cross’s Safe and Well program (www.redcross.org/safeandwell).
Keep all phone calls brief. If you need to use a phone, try to convey only vital information to emergency personnel and/or family.
If you are unsuccessful in completing a call using your cell phone, wait ten seconds before redialing to help reduce network congestion.
Conserve your cell phone battery by reducing the brightness of your screen, placing your phone in airplane mode, and closing apps you are not using that draw power, unless you need to use the phone.
If you lose power, you can charge your cell phone in your car. Just be sure your car is in a well-ventilated place (remove it from the garage) and do not go to your car until any danger has passed. You can also listen to your car radio for important news alerts.
Tune into broadcast television and radio for important news alerts. If applicable, be sure that you know how to activate the closed captioning or video description on your television.
If you do not have a hands-free device in your car, stop driving or pull over to the side of the road before making a call. Do not text on a cell phone, talk, or “tweet” without a hands free device while driving.
Immediately following a disaster, resist using your mobile device to watch streaming videos, download music or videos, or play video games, all of which can add to network congestion. Limiting use of these services can help potentially life-saving emergency calls get through to 9-1-1.
Check www.ready.gov regularly to find other helpful tips for preparing for disasters and other emergencies.
Last Modified: Wednesday, 21-Sep-2011 14:44:47

*************************************************

Myth Vs. Fact About Registering For FEMA Aid – THIS IS EXTREMELY IMPORTANT FOR EVERYONE IN EVERY STATE AND COMMONWEALTH THAT HAS AND WILL EXPERIENCE A DISASTER OF ANY KIND!

Release Date: September 19, 2011
Release Number: 4022-27

BURLINGTON, Vt. — Some Vermonters who were affected by Tropical Storm Irene may have not registered with the Federal Emergency Management Agency for assistance because of misconceptions or lack of accurate information. Here are some examples.

MYTH: I thought my income was too high for me to qualify.

FACT: There is no income cutoff for FEMA aid. Anyone with disaster damage or loss in the declared counties may be eligible for help. FEMA grants may cover under insured or uninsured losses.

MYTH: My insurance agent told me I wouldn’t be able to get help from FEMA because I have flood insurance.

FACT: Everyone with flood insurance should register. FEMA may be able to help with uninsured costs.

MYTH: I don’t want FEMA assistance because it will affect my Social Security benefits, taxes, food stamps or Medicaid.

FACT: FEMA assistance does not affect benefits from other federal programs and it is not reportable as taxable income.

MYTH: I’ve already cleaned up and made the repairs. Isn’t it too late?

FACT: You may be eligible for reimbursement of your clean up and repair expenses.

MYTH: I thought FEMA only gave loans. I don’t want a loan.

FACT: FEMA only provides grants that do not have to be repaid. FEMA’s individual assistance program covers expenses for temporary housing, home repairs, replacement of damaged personal property and other disaster-related needs, such as medical, dental or transportation costs not covered by insurance or other programs.

The U.S. Small Business Administration provides low-interest loans to renters, homeowners and businesses of all sizes. Some applicants may receive an SBA loan application after registering with FEMA. No one is obligated to take out a loan. But if they don’t complete the application, they may not be considered for other federal grants.

MYTH: I’m a renter. I thought FEMA aid was only for homeowners to repair their homes.

FACT: FEMA may provide grants to help renters who lost personal property or were displaced.

MYTH: I heard there’s too much red tape and paperwork to register.

FACT: There is no paperwork to register with FEMA. You can do it with one phone call that takes a short while, by calling 800-621-FEMA (3362). Those with a speech disability or hearing loss who use a TTY can call 800-462-7585; or 800-621-3362 if using 711 or Video Relay Service. You can also register online at www.DisasterAssistance.gov or via a web-enabled mobile device at m.fema.gov. The website helps reduce the number of forms to be filled out and shortens the time it takes to apply.

MYTH: I already received disaster assistance last year. I thought I couldn’t get it again this year.

FACT: If you had damage from another federally declared disaster you may register for new assistance.

MYTH: Isn’t FEMA broke? Other people need the help more than I do.

FACT: FEMA has enough funding to assist all eligible survivors with immediate needs. You will not be taking from others if you register for aid yourself.

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). For TTY call 800-462-7585; or call 800-621-3362 if using 711 or Video Relay Service (VRS).

FEMA’s temporary housing assistance and grants for public transportation expenses, medical and dental expenses, and funeral and burial expenses do not require individuals to apply for an SBA loan. However, applicants who receive SBA loan applications must submit them to SBA loan officers to be eligible for assistance that covers personal property, vehicle repair or replacement, and moving and storage expenses.

SBA disaster loan information and application forms may be obtained by calling the SBA’s Customer Service Center at 800-659-2955 (800-877-8339 for people with speech or hearing disabilities) Monday through Friday from 8 a.m. to 6 p.m. ET or by sending an e-mail to disastercustomerservice@sba.gov. Applications can also be downloaded from www.sba.gov or completed on-line at https://disasterloan.sba.gov/ela/.

###

Last Modified: Monday, 19-Sep-2011 16:47:59

**************************************

Calling 2-1-1 or Registering With Other Agencies Does Not Register You for FEMA Aid

Release Date: September 10, 2011
Release Number: 4022-012

BURLINGTON, Vt. — Vermonters who experienced damage and losses because of Tropical Storm Irene and called Vermont’s 2-1-1 line must still register with the Federal Emergency Management Agency to receive federal disaster assistance. Registering with voluntary agencies or with 2-1-1 does NOT register anyone with FEMA. The phone number to register with FEMA is 800-621-FEMA (3362).

“We have talked with many Vermonters who mistakenly believe they registered for federal assistance when they called 2-1-1,” said Federal Coordinating Officer Craig Gilbert, who leads FEMA’s mission in Vermont. “We want to make sure there is no confusion out there. We would hate to think there are people we can’t help because they haven’t registered.”

To register with FEMA, call 800-621-FEMA (3362), go online to www.DisasterAssistance.gov or a web-enabled mobile device at m.fema.gov. Multilingual registration assistance is available. Those with a speech disability or hearing loss who use a TTY can call 800-462-7585 directly; or 800-621-3362 if using 711 or Video Relay Service. Phone lines are open from 7 a.m. to 10 p.m. seven days a week until further notice.

Individual assistance to homeowners and renters includes grants to cover expenses for temporary housing, home repair, and other serious disaster-related needs and expenses, such as replacement of personal property and medical, dental or transportation costs that are not covered by insurance or other assistance programs.

Last Modified: Monday, 12-Sep-2011 12:28:39

***********************************************

When Waters Recede, Mold Can Take Hold

Release Date: September 9, 2011
Release Number: 4019-018

RALEIGH, N.C. — When waters flood a home or business it may cause mold to grow on walls and flooring within 24 to 48 hours. Even worse, mold will continue growing until steps are taken to eliminate the problem.

Mold and mildew can cause serious health problems, as well as structural damage to a home when a property has experienced flooding. Cleaning up quickly and drying out thoroughly may help prevent immediate and long-term health problems.

Molds are simple microscopic organisms. When present in large quantities, mold could cause allergic symptoms similar to those caused by plant pollen.

Typical symptoms reported from mold exposure include:
•respiratory problems including wheezing and asthma attacks
•burning or watery eyes, nose or throat irritations
•skin irritations like rashes or hives
•nervous system disorders including headaches and memory loss

Allow areas to dry two to three days before replacing damaged materials. Identify and correct the moisture source. Remove all water and fix any leaks before cleaning.

Porous materials such as paper, rags, wallboard and rotten wood can trap molds and should be thrown out. Harder materials such as glass, plastic and metal can be cleaned and disinfected.

To remove moldy materials, wear a filter mask and gloves to avoid contact with the mold. Remove porous materials such as ceiling tiles, wallboard and wood products. If wallboard is flooded, measure and cut at least two feet above the high water mark.

Carpeting can be a difficult problem because drying does not remove the dead spores. If there is heavy mold, consider disposing of the carpet.

After thorough cleaning and rinsing, disinfect the area with a solution of household bleach and water (1½ cups of bleach per gallon of water). Never mix bleach with ammonia – the fumes are toxic!

Let disinfected areas dry naturally overnight to kill all the mold.

Download FEMA’s mold and mildew cleanup brochure at: www.fema.gov/library/viewRecord.do?id=3049&fromSearch=fromsearch

To order a free copy of FEMA’s Mold & Mildew; Cleaning up your Flood Damaged Home (FEMA 606) call: 800-480-2520 from 8 a.m. to 5 p.m. Monday through Friday.

Publications can also be ordered by e-mail at: fema-publications-warehouse@fema.gov or fax:
240-699-0525.

Last Modified: Friday, 09-Sep-2011 09:50:00

*****************************************

INFORMATION FOR BUSINESS’ FROM THE SBA:

Apply for Government Relief from Hurricane and Tropical Storm Irene

Business owners who sustained losses as a result of Hurricane Irene in designated counties can begin applying for assistance today. The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice.

Register online at http://www.disasterassistance.gov
Use a web-enabled mobile device at http://m.fema.gov
Call 800-621-FEMA (3362) – General telephone number
Call 800-462-7585 – Disaster assistance applicants who have a speech disability or hearing loss and use TTY
Call 800-621-3362 – Those who use 711 or Video Relay Service (VRS)

************************************************

HOMELESS TO INDEPENDENCE INC.’S NATIONAL DISASTER RESPONSE PROJECT “CONTACT”

HOMELESS TO INDEPENDENCE INC. SENDS NEEDED SUPPLIES TO STORM AND FLOOD RAVAGED AREAS WHEN YOU NEED HELP!!!

WE ARE AN ALL-VOLUNTEER, FAITH-BASED, NON-PROFIT THAT RUNS ON PRIVATE DONATIONS FROM PEOPLE LIKE YOURSELF, WE DO NOT GET GOVERNMENT GRANTS AT THIS
TIME -

HOMELESS TO INDEPENDENCE INC.
929 STATE HIGHWAY 36
UNION BEACH, NJ 07735

ANN 1-609-577-3555

************************************************

Project “CONTACT” is our Disaster Response Project that specifically covers all 50-States plus the District of
Columbia. When there is a storm, disaster (man-made or natural), flooding, etc. we are ready to send needed
supplies directly to other ministries and organizations that are on site of the disaster – AT THIS TIME!

We are in the process of networking with Realtors, Real Estate Brokers and private landlords nation-wide that
when there is a disaster and they have available houses and apartments, we will be able to connect those in
need of housing with those in need of tenants.

In the future, Homeless To Independence Inc. will also be purchasing properties nation-wide that will house the
homeless in need on a constant basis AND also have availability to house individuals and families that have
lost their housing, whether it is a temporary or permanant situation. We will have networks in place for
donated furniture, clothing, food & hygiene product assistance, employment assistance and quite possibly
donated vehicles.

Quite frankly, just like you, I am heart broken when people have to put up in temporary shelters, especially the
children, elderly and veterans, they deserve better – we think we may have a better way in the future to help
everyone in need.

You are more than welcome to network and collaborate with Homeless To Independence Inc. – there is not one
non-federal organization out there that is responsible for everything – we, as a team working together, will be
the most efficient when we work together for the good of others.

Our Project “CONTACT” has been in full swing early this year due to the devastating storms and flooding.
Just below are pictures of just a small percentage of boxes that were shipped to:

1. LeLand, North Carolina
2. Adger, Alabama
3. Joplin, Missouri

As long as there is a need, we will continue to send supplies where-ever there is a need. We look forward to shipping out coats and winter outerwear this upcoming autumn season also to any and all areas that were hit with any disaster this year also.

Please feel free to contact me anytime: 1-609-577-3555 Ann Martin-Frey

********************************************************************

TO FIND OUT FEMA AND EMERGENCY SERVICES WHEN YOUR AREA HAS BEEN HIT BY A DISASTER, PLEASE GO TO YOUR STATES HOME PAGE – ALL INFORMATION IS UPDATED AS I RECEIVE IT!

*******************************************************************

FEMA Website Helps Children Be Ready for Disaster

Release Date: August 13, 2011
Release Number: 1980-143

COLUMBIA, Mo. — As the beginning of the school year in Joplin approaches, the Federal Emergency Agency (FEMA) encourages everyone to take simple steps to prepare for emergencies in their homes, businesses and communities. Even children.

Welcome to Ready Kids, a website packed with information and games to help kids and their families better prepare in the event of a disaster. Learn how to create an emergency kit, read the latest Ready Kids comic and meet the Mountain Lion Family to learn how they prepare for different situations. You can even graduate from Readiness U and get your very own certificate.

Go to www.ready.gov/kids/index.html to find out about different kinds of severe weather and learn the best way to keep you, your family and pets safe before danger happens. Read stories from other young people who have been through a disaster, or tell your own story. Discover what you might feel during and after such an incident. Learning about different kinds of disasters helps everyone become better prepared.

There are also resources for parents and teachers that can be used in the classroom or home.

Disasters aren’t fun, but learning about them can be.

Another good source for learning about disaster preparedness can be found at www.discoveryeducation.com/readyclassroom. FEMA’s Ready Campaign’s Ready Classroom was awarded a 2010 BESSIE Awards from the ComputED Learning Center.

The Ready Classroom, an online resource designed in partnership with Discovery Education and The Advertising Council, won the award for Best Disaster Preparedness Web site. The Web site provides elementary and middle school educators with natural disaster preparedness resources and tips on how to integrate this critical information into their curriculum.

Additional information about National Preparedness Month is available at www.ready.gov and www.listo.gov and toll-free at 1-800-BE-READY, TTY 1-800-462-7585 and 1-888-SE-LISTO.

The U.S. Small Business Administration (SBA) is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps homeowners, renters, businesses of all sizes, and private non-profit organizations fund repairs or rebuilding efforts, and covers the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations.

FEMA’s temporary housing assistance and grants for public transportation expenses, medical and dental expenses, and funeral and burial expenses do not require individuals to apply for an SBA loan. However, applicants who receive SBA disaster loan applications must submit them to SBA loan officers to be eligible for assistance that covers personal property, vehicle repair or replacement, and moving and storage expenses.

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). Those with access or functional needs and who use a TTY, call 1-800-462-7585; or use 711 or Video Relay Service (VRS) to call 1-800-621-3362.

Last Modified: Monday, 15-Aug-2011 10:18:38

********************************************************

Keeping Your Cool When Disaster Strikes

Release Date: August 8, 2011
Release Number: 4000-021

LITTLE ROCK, Ark. — Even a little planning can help folks keep their cool in a disaster.

One of the best time investments a family can make is planning for disasters and holding emergency drills, said officials with the Arkansas Department of Emergency Management (ADEM) and the Federal Emergency Management Agency (FEMA).

“Preparation is the key to helping people stay calm and clear-headed when disaster strikes,” said State Coordinating Officer David Maxwell. “We hope Arkansans who haven’t prepared an emergency plan will take a few minutes to do so. That time investment will pay big dividends.”

The Internet offers several resources, including www.fema.gov and www.ready.gov. Both sites contain a wealth of information about preparedness and planning. With September designated as National Preparedness Month, a variety of emergency management agencies, including ADEM, will post related material on their websites.

“People can make basic preparations for emergencies in the time it takes to run a load of laundry,” said Federal Coordinating Officer Nancy M. Casper. “We encourage Arkansans to take time now to create or review emergency plans. Their futures may depend on it.”

To get started on their own plans, families should establish places inside and outside the home for everyone to meet in case of an emergency. For instance, a family might designate the bedroom of a child or a family member with a disability to reassure them that their needs will be met. Exterior gathering spots might include the end of the driveway in a rural area or a nearby street corner in the city or suburbs.

From there, establish at least two escape routes and practice using them. Fires and debris can result in blocked hallways and stairwells, and rehearsing a back-up plan means family members are less likely to panic. And involve children in planning – they may see possibilities adults miss.

Remember to designate a contact person in case family members get separated. Each family member should memorize that person’s number or email. The advent of social media, such as Twitter, gives families new ways to connect in emergencies. Consider the most effective ways to use new technology.

Consider carefully what necessary items to collect in an evacuation. Increasingly, people keep important documents on computers, so back up data often on a flash drive and keep it handy. Other items include wallets, medications and items for infants. In the case of threatening weather, pack what’s needed and keep it in a safe place in the home or by the exit.

Visit www.fema.gov or www.adem.arkansas.gov for news and information about this disaster. Follow FEMA tweets about the Arkansas disaster at www.twitter.com/femaregion6. Other online resources include blog.fema.gov, www.facebook.com/fema and www.youtube.com/fema.

Last Modified: Monday, 08-Aug-2011 16:37:37

**************************************************

Helping Kids Cope With Disasters

Release Date: July 12, 2011
Release Number: 1983-045

CLINTON, Miss. — Children can be particularly vulnerable to the stressful effects of a disaster.

“Children may suffer from anxiety because of disaster losses and the upheaval of family life,” said Ed LeGrand,
Executive Director of the Mississippi Department of Mental Health.

“Most children bounce back quickly with social support and the aid of their families, but it is important to be
aware of your child’s reaction to stress and anxiety and to seek additional help if necessary,” said LeGrand.

Children’s caregivers should be alert to signs of trouble and how to handle them.

For children ages 5 or younger, watch for behaviors like crying more frequently than usual, clinging, having
nightmares, showing excessive fear of the dark, fear of animals, fear of being alone, changing appetites,
speaking with difficulty, or returning to outgrown behaviors such as bed-wetting or thumb-sucking.

Children aged 5 to 11 may exhibit increased irritability, aggression, and competition with their siblings for
parental attention. They may also show anxiety through whining, withdrawing from their peers, and losing
interest in normal activities.

Adolescents aged 12 to 18 may show outright rebellion, physical problems, or sleep disturbances. Some may
compete vigorously for attention from parents and teachers. Others may withdraw, resist authority, become
disruptive at home or in the classroom, or even begin to experiment with high-risk behaviors like alcohol or
drug use.

The following suggestions may help to reduce stress in children:
•Spend some time each day giving each child your undivided attention, even if just for a few minutes. Share
experiences. Reaffirm your love. Make plans together. Just “be there” for each other.
•Encourage them to talk. Encourage children to describe what they are feeling. Let them talk about the
disaster and ask as many questions as they like. Listen to what they say. Assure them that the disaster was an
act of nature and not caused by them. Include the entire family in the discussion if possible.
•Understand their fears. It is important that parents accept anxieties as being very real to children. Help them
cope by getting them to understand what causes their anxieties and fears. Recognize their losses, such as their
pets, favorite toys and other personal items. Reassure them that everything will be all right.
•Inform children. Make every effort to keep children informed about what is happening. Explanations should be
in simple language. With children 5 or older, rehearse safety measures for use in case of future disasters.
•Reassure them. Parents can help reassure children by telling them they are safe, holding and hugging them
frequently, restoring normal routines, providing play experiences for them, and making bedtime a special
moment of calm and comfort.
•Encourage activities with their peers. As with adults, social time with friends is a very important part of the
recovery process.
•Temporarily lower expectations for them. Allow for the fact that stress from the disaster can show itself in
many ways over a period of time, and make appropriate allowances.

Through your persistence, children will realize life will eventually return to normal. If a child does not respond
to the above suggestions, seek help for them from a behavioral health professional.

For more information about behavioral health services available in your area, please contact the Mississippi
Department of Mental Health’s Helpline at 877-210-8513 or visit www.dmh.ms.gov. If you or someone you know
is having thoughts of suicide, please contact the National Suicide Prevention Lifeline at 800-273-TALK (8255).

FEMA will assist anyone with a disability who needs help — just ask. Call the FEMA Helpline at 800-621-FEMA
(3362) or TTY 800-462-7585.

Additional information about this disaster is available at www.fema.gov, www.msema.org, and www.
msdisasterinfo.com.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to
build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate
all hazards.

Last Modified: Tuesday, 12-Jul-2011 11:29:19

******************************************************************

Beware of Scam Artists

Release Date: June 17, 2011
Release Number: 1980-059

COLUMBIA, Mo. — The U.S. Department of Homeland Securitys Federal Emergency Management Agency (FEMA)
cautions Pettis County survivors of the recent tornado to be on the lookout for scam artists pretending to be
employed by FEMA or another government agency, such as the U.S. Small Business Administration (SBA).

Historically, disasters bring out the very best in people and there are countless stories of neighbors helping
neighbors. Unfortunately, history also shows that disasters can bring out the worst in some people. Tornado
survivors should be vigilant in protecting their personal assets, particularly when living in such a stressful
environment.

“Consumers should keep in mind that a FEMA or SBA shirt or jacket is not absolute proof of someone’s
affiliation with these agencies,” said FEMA’s Federal Coordinating Officer Libby Turner. “The best way to verify
authorized FEMA or SBA personnel is by checking their laminated photo identification card, which they are
required to wear at all times.”

One common scheme involves con artists going door-to-door in neighborhoods of damaged homes, or phoning
victims, and soliciting personal information such as social security and bank account numbers. Consumers
should know that FEMA inspectors never require this information. A Social Security or bank account number
is requested during the first phone call to the FEMA registration line. On any follow-up calls, a FEMA
representative may ask for the last four digits of your Social Security number but never the whole number.

There have been reports, during earlier disasters, of scammers telling homeowners they need to pay $1,500 to
be put on a list to get their home repaired. Other reports have surfaced of persons pretending to be from the
SBA and offering to fill out disaster loan applications for a $50 fee. Survivors should remember that under no
circumstances are FEMA or SBA representatives allowed to accept money. FEMA staff registers all applicants
without charge and experts are located at Disaster Recovery Centers to assist storm survivors with their
application for disaster aid. Also, there is never a charge to be placed on a “FEMA List” or to have SBA
representatives assist applicants with their disaster loan application.

Other points to keep in mind to avoid becoming a scam victim:
•Check on a contractor’s licensing status with local or State licensing agencies. Check with the local Better
Business Bureau, homebuilders association or trade council to see if the contracting firm has any unanswered
complaints against it;
•Be suspicious of anyone who offers to increase the amount of your disaster damage assessment;
•Ask for proof of insurance. If a contractor is uninsured, you may be liable for accidents on your property. Make
sure the contractor has both disability and worker’s compensation insurance;
•Ask for a written estimate and check to make sure it includes all work you expect to have done, as well as
taxes and other fees. Keep in mind that some contractors charge for an estimate;
•Once you decide to use a particular contractor, ask for a written contract that includes all tasks to be
performed as well as associated costs, a timeline and payment schedule, and who is responsible for necessary
permits and licenses. Never sign a blank contract;
•Do not give anyone an advance cash payment. Pay by check in order to keep a record and avoid double
charges;
•Legitimate contractors normally do not require more than one-third of the total charges as a down payment;
•Ask for a written guarantee that states what is covered, who is responsible and how long the guarantee is
valid; and
•If you feel uncomfortable about a contract and have already signed it, cancel it quickly. You may cancel some
contracts within three business days after signing. Be sure to follow the contract cancellation clause
procedures.

If you think you have been victimized by a scam or suspect illegal activity, please report it to the Missouri State
Attorney General’s office at 1-573-751-3321.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to
build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate
all hazards.

The U.S. Small Business Administration (SBA) is the federal government’s primary source of money for the long-
term rebuilding of disaster-damaged private property. SBA helps homeowners, renters, businesses of all sizes,
and private non-profit organizations fund repairs or rebuilding efforts and cover the cost of replacing lost or
disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or
other recoveries and do not duplicate benefits of other agencies or organizations.

Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability,
English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA
toll-free at 1-800-621-FEMA (3362). Those with a speech disability or hearing loss who use a TTY call 1-800-462-
7585; or use 711 or Video Relay Service (VRS) to call 1-800-621-3362.

Last Modified: Friday, 17-Jun-2011 13:40:30

*************************************************************

WE LEAVE NO STONE UNTURNED WHEN IT COMES TO HELPING OTHERS IN NEED!

Today's Date

Wednesday, February 22, 2012

Project Contact

Subscribe

Pacific Time

Mountain Time

Central Time

Eastern Time

Alaska Time

Hawaii Time

Puerto Rico Time