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SENT ~Y:RAY§URN 2161 ; 9-2B-B9 ; 4:40P~ ; CONGRESSf4AN HEFNER'~ ;l~ 4 disaster losses, Assistance is limited' to returning damaged or 10st property that is considered a serious need and necessary expense to pre-disaster condition. o Federal and state assistance is long-range in nature. Therefore, it should be understood that recovery will r~t occur overnight. While there is a wide range of programs that can aid disaster victil~, it should r~t ke assumed that all of them will be activated in a given situation, The determination of which program-9 will be used is mede by the actual need found during the damage assessment and any subsequent lrLformation that may be developed. With a presidential disaster declaration, a wide range of programs is available if needed. The following is a brief explanation of the major provisions Of the various disaster recovery programs. Ke~ Individual Assistance Pro,{ams Temporary Hous~n~ Assistance {~e Te~porary ~ousing Assistance grogram assures that people whose he,es are damaged by disasters have a safe place to live until repairs can or,Plated. The type Of assistance prouided is deter~ned by FEMAt based on criteria which assures that the option chosen is appropriate to the individual's need and can be delivered qUiCkly. There are three basic forms of te~%~Orary housing; rental assistance, essential home repair and ·obile hems assistance. This assistance is provided if the applicant~s ow~ insurance Will not provide for temporary housing assistance. Disaster The s~ml~ B~siness Administration (SBA) can make federally-subsidized loans to repair Or replace homest personal property or b~sinesses which sustained damsges not covered by insurance, For many persons this loan program is the primary form of disaster assistance they receive. Individual and Family Grants ~S program, ad~linistered by the state bat underwritten with 75 perCent FEMA funding, can provide grants of up to ~10,000 to meet disaster-related seri0ua needs and necessary expenses not provided for by other progra~, insurance or other means. O~s test for grant eligibility requirest among other things, a decision by the SBA that the applicant is ineligible for a disaster loan. Among needs that can be met with grant funds are housing repairst home cleaning and sanitation, necessary household lte~, replacement of tools of the applicant's trade, clothing, transportation, and medical.and dental expenses. Application deadline iS §0 days fro~ the declaration date. O~her kay-'pro~ra~8 an individual assistance designatio~ can provide include emergency loans from the FMHA, Crisis Counseling, Disaster UnemDloy~en~ Assistance, and tax relief from the ~ey__BAb. lie Assistance programs Grants F~%iA can provide funding and technical assistance to the state and local government a~d certal~ private, non-profit institutions for the repair Or replaceman~ of public properties damaged or destroyed by the disaster.