The U.S. Small Business Administration (SBA) has extended the deadline to apply for physical disaster damages in North Carolina. Businesses and individuals with physical damages caused by Hurricane Florence on Sept. 7 – 29, 2018, should apply for SBA low-interest disaster loans before the Dec. 13,
The disaster declaration covers the North Carolina counties of Anson, Beaufort, Bladen, Brunswick, Carteret, Chatham, Columbus, Craven, Cumberland, Duplin, Durham, Greene, Guilford, Harnett, Hoke, Hyde, Johnston, Jones, Lee, Lenoir, Moore, New Hanover, Onslow, Orange, Pamlico, Pender, Pitt, Richmond, Robeson, Sampson, Scotland, Union, Wayne and Wilson; for economic injury only in the contiguous North Carolina counties of Alamance, Cabarrus, Caswell, Dare, Davidson, Edgecombe, Forsyth, Franklin, Granville, Martin, Mecklenburg, Montgomery, Nash, Person, Randolph, Rockingham, Stanly, Stokes, Tyrrell, Wake and Washington; and the contiguous South Carolina counties of Chesterfield, Dillon, Horry, Lancaster and Marlboro.
SBA disaster loans are available to businesses of all sizes, most private nonprofit organizations, homeowners and renters to cover uninsured losses from the disaster. Interest rates are as low as 3.675 percent for businesses, 2.5 percent for private nonprofit organizations, and 2.0 percent for homeowners and renters. Loan terms can be up to 30 years.
Economic injury disaster loans are also available to provide disaster related working capital to small businesses and most private nonprofit organizations. These working capital loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred.
Applicants may apply online using the Electronic Loan Application (ELA) via the SBA’s secure website at DisasterLoan.sba.gov.
To be considered for all forms of disaster assistance, applicants should register online at DisasterAssistance.gov or download the FEMA mobile app. If online or mobile access is unavailable, applicants should call the FEMA toll-free helpline at 800-621-3362. Those who use 711-Relay or Video Relay Services should call 800-621-3362.
Additional details on the locations of Disaster Recovery Centers and the loan application process can be obtained by calling the SBA Customer Service Center at 800-659-2955 (800-877-8339 for the deaf and hard-of-hearing) or by sending an e-mail to firstname.lastname@example.org.
The filing deadline to return applications for physical property damage is Dec. 13, 2018. The deadline to return economic injury applications is June 14, 2019.
The U.S. Small Business Administration makes the American dream of business ownership a reality. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow or expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.
Survivors of Hurricane Florence who apply for disaster assistance from FEMA may be contacted by the U.S. Small Business Administration with information on how to apply for a disaster loan.
SBA offers low-interest disaster loans to businesses of all sizes, private nonprofit organizations, homeowners and renters. Next to insurance, SBA low-interest disaster loans are the primary source of funds for real estate property repairs and replacing contents destroyed during Hurricane Florence.
Homeowners may borrow up to $200,000 from SBA to repair or replace their primary residence. Homeowners and renters may borrow up to $40,000 to repair or replace personal property. Businesses may borrow up to $2 million for any combination of property damage or economic injury.
There’s no obligation to accept a disaster loan, but survivors may miss out on the largest source of federal disaster recovery funds if they don’t submit an application.
These disaster loans cover losses not fully compensated by insurance or other resources. Survivors should not wait for an insurance settlement before submitting an SBA loan application. They may discover they were underinsured for the labor and materials required to repair or replace their home. An SBA low-interest disaster loan can cover the gap.
If survivors have not settled with their insurance agency, SBA can make them a loan for the full amount of their losses. They can then use their insurance proceeds to reduce or pay off the SBA loan.
By law, both FEMA and SBA cannot duplicate benefits of other agencies or organizations.
If applicants don’t qualify for a loan, SBA will refer them back to FEMA and they could be considered for other FEMA grants under Other Needs Assistance.
Examples of Other Needs Assistance that do not depend on completing the SBA application include:
Disaster-related medical and dental expenses.
Disaster-related funeral and burial expenses.
Increased cost of child-care expenses.
Miscellaneous items, such as smoke detectors and weather radios.
Other serious disaster-related needs not covered by insurance or other sources.
Some types of ONA that do require an SBA loan application include:
Personal property replacement.
Moving and storage fees.
Financial help with disaster-caused vehicle repair or replacement expenses.
In planning their recovery, survivors should give themselves the widest possible set of options. Submitting the application makes it possible to be considered for additional grants, and if they qualify for a loan they will have that resource available if they choose to use it.
Information about low-interest SBA disaster loans, application forms, and where to get help with an application are available online at SBA.gov/disaster. Survivors may also call 800-659- 2955 or 800-877-8339 (TTY) or email DisasterCustomerService@sba.gov. Applicants may Apply Online for Disaster Loan Assistance, or at any disaster recovery center.
The centers serve as one-stop shops for survivors who need one-on-one help. Survivors can visit any center for assistance. To find center locations and current hours, download the FEMA mobile app in English, the FEMA mobile app in Spanish, the ReadyNC app, or visit FEMA.gov/DRC. SBA has staff at all centers to provide one-on-one assistance to homeowners, renters and businesses of all sizes.
You can watch an online video in American Sign Language that explains the Reasons to Apply for an SBA Loan.
For more information on North Carolina’s recovery from Hurricane Florence, visit ncdps.gov/Florence and FEMA.gov/Disaster/4393. Follow us on Twitter: @NCEmergency and @FEMARegion4.
The City of New Bern will resume certain utility fees that were suspended during hurricane Florence.
Due to the storm’s widespread impact across our area, the Board of Aldermen unanimously agreed in September to temporarily suspend late fees, delinquencies and shutoffs for nonpayment. The Board also agreed to waive new deposits for current customers until mid-November. These actions effectively extended the due date of unpaid bills until such time that the City could recover from the hurricane.
All past due amounts must be brought current by close of business on Friday, Dec. 7. If customers are unable to get caught up or current, they are encouraged to visit the Utility Business Office (UBO) at 606 Fort Totten Drive and speak to a customer service representative about a special storm payment arrangement.
The UBO is open Monday through Friday from 8 a.m. to 5 p.m. No appointment is necessary. However, appointments are encouraged to reduce customer wait time.
These special storm payment arrangements will not count toward the four payment arrangements allowed each fiscal year under the City’s current business practices, but customers must remain current once the arrangement is made.
If the special storm payment arrangement is broken, the past due account balance must be paid in full. Attached is a document reflecting our business practices in regards to deposits and payment arrangements.
Late fees, delinquent fees and shutoffs for nonpayment will resume after Dec. 7. Deposit requirements will resume after Nov. 15. Deposits caused by late and delinquent actions will resume after Dec. 7.
The reinstatement of fees comes more than 80 days after hurricane Florence ravaged New Bern and eastern North Carolina.
“The Board of Aldermen and management staff have carefully considered this resumption of fees after the storm,” said Mark Stephens, City Manager. “We remain sympathetic to the hardships faced by our residents and are implementing special storm payment arrangements to ease the burden on our customers. We appreciate the community’s understanding during this recovery process.”
Utility staff are prepared to answer questions and assist customers with payment arrangements. As a reminder, customers have several options for paying City of New Bern utility bills: online at www.newbernnc.gov, at the Utility Business Office, and at Walmart stores in this area.
Homeowners who have been impacted by Hurricane Florence have a valid “Natural Disaster” hardship.
Due to this hardship, there may be viable relief options available to homeowners from their mortgage companies, but homeowners may have no idea what is available and how to accomplish securing mortgage relief.
A two hour presentation for homeowners with a mortgage loan will cover the following:
First Hour (55 Minutes)
What Constitutes Disaster? C. Who Is Covered?
What Can Be Done?
Second Hour (55 Minutes)
What Documents Are Needed?
Where to Send Financial Packages?
What Is The Process?
How Long Should It Take?
What If Things Go Wrong?
Attendees will receive additional resources via email. Both the morning and afternoon sessions are the exact same information.
The same event twice is offered twice:
Saturday, Nov. 3, Garber Methodist Church, 4201 Country Club Road, Trent Woods.
Morning Session 9:30 to 11:30 a.m. Check-in and seating beginning at 8:30 a.m.
Afternoon Session 1:30 to 3:30 p.m. – Check-in and seating beginning at 12:30 p.m.
Seating is Limited – Register via Eventbrite or call 252-474-8288
Homeowners with a mortgage who have damaged homes and/or are displaced from their homes may be eligible for mortgage relief.
● This will not help renters.
● This will not help homeowners who own their home outright.
● The focus is on primary & secondary residences. This will not be a session for owners of
investment properties who need mortgage relief on investment properties.
Homeowners who have had a loss and/or interruption in employment because of the hurricane may be eligible for mortgage relief.
● Employer experienced damage during the hurricane and may be closed for repairs and/or closed permanently.
● Agricultural loss of crop, harvest and/or livestock from the hurricane.
● Self employed and/or work from home and unable to work because of home damage.
Who do you know that needs mortgage relief?
● Up to one year with no mortgage payments
● No late fees
● No delinquencies reported to the credit bureaus
● The ability to negotiate how to catch up on payments without making a balloon payment.
Types of available assistance:
Moratorium: legal authorization to delay payment of money due or to suspend an activity.
This workout option is typically used for disaster.
Repayment: the most common relief is a repayment plan. This is a written agreement that allows the homeowner to bring the loan current within a given period of time by making scheduled payments toward the delinquent amount in addition to regular monthly payments.
Forbearance: the mortgage servicer, insurer and investor agree to delay foreclosure or other legal action in return for the homeowner’s promise to pay the debt by a specific date.
Modification: written agreement permanently changing one or more of the original terms of the mortgage note: type, rate, term or capitalize delinquency.
Julia Iden, Guest Speaker
Julia Iden is the founding partner of Advance Mortgage Education Incorporated.
She started working in the mortgage industry in 1987. Her career has mainly revolved around defaulted mortgages and helping limit the losses caused by default. She held positions as a claims auditor, loss mitigation negotiator, and corporate default manager for GE Mortgage Insurance Company. Prior to starting Advance Mortgage Education, Iden worked as the loss mitigation consultant for Federal Home Loan Mortgage Corporation, one of the largest mortgage investors in the country. She spent three years on-site in Washington Mutual’s loss mitigation department managing the Freddie Mac delinquent portfolio.
A dental office out of Durham brought smiles this week to the residents of a Red Cross shelter operating in New Bern.
Christi Bintliff and Kim Dodson of Croasdaile Dental Arts delivered 6,000 comfort and cleaning items, along with 800 pounds of dog food, on Friday to the West New Bern Recreation Center for distribution to storm victims in Eastern North Carolina.
The American Red Cross is still sheltering more than 60 displaced Craven County residents at the rec Center more than a month after Hurricane Florence made landfall and caused significant flooding in the region.
Bintliff, the dental practice administrator, said they knew that the community would still have needs after the initial outpouring of support that comes in the wake of any large-scale disaster and that they were blessed to be able to assist in meeting them.
The truckload delivered Friday was filled with donations the dental practice collected from its clients and then matched. Bahama Road Veterinary Clinic from Bahama, just outside of Durham, pitched in with the dog food.
Red Cross Volunteer Lallita Andrews, the shelter manager, accepted the delivery. She noted that not only would the shelter clients benefit from the items but that members of the community who stop by for assistance would also be helped by the donation.
New Bern Mayor Dana Outlaw was also on hand to help offload the donations and thank the team for the delivery on behalf of the community.
The City of New Bern will resume downtown parking enforcement on Monday, Oct. 29. Enforcement operations were suspended during the hurricane due to the widespread devastation of infrastructure and the impacts to city residents, families, businesses and nonprofit organizations.
For a refresher on downtown parking regulations, visitor parking lots, construction & emergency repair parking permits, and how to apply for a leased parking space, visit our Parking & Transportation page. On-street parking is enforced Monday through Friday from 8 a.m.-4 p.m.
The North Carolina Department of Health and Human Services is waiving fees for the replacement of vital records that were lost of damaged during hurricane Florence. Go to https://vitalrecords.nc.gov/orderreplacement.htm for more information.
The City of New Bern has announced a final pass for hurricane Florence debris pickup.
All vegetative and construction demolition debris must be placed curbside before Monday, Nov. 5. Contractor crews will start on that day and spend several days completing this final pass.
During a work session Tuesday, the Board of Aldermen discussed phasing out debris collection and supported this final pickup.
Residents are encouraged to collect all remaining storm debris and place it curbside, but not in the street, for pickup. As a reminder, debris must be separated into three piles: vegetative, construction demolition, and household appliances/electronics. Push your piles as close to the curb as possible, away from power lines, so that our equipment can pick it up.
No new construction materials – wood, plywood, PVC, insulation, new appliance packaging – will be accepted. Homeowners whose properties are undergoing new construction should have their contractor dispose of those materials at the landfill located at 7400 Old U.S. Highway 70 West.
Once final pickup is complete on a city street, that street will be inspected and certified by the contractor and the City. ‘L
“As part of the closeout process, we will mark that street as complete, so the contractor knows – and we want to know – that they have hit every street in the city on their final pass,” said City Manager Mark Stephens. If you feel your street has been missed during the final pass, please contact the Department of Public Works at 252-639-7501.
When the final pass is complete, Public Works will resume its regular weekly vegetative collection schedule. Note that all debris placed curbside after the final pass must adhere to the City’s size and length restrictions: no greater than 5 inches in diameter and no longer than 5 feet in length.
Click here to visit the Public Works Leaf & Limb Information page on our website to review collection guidelines and find out when your scheduled pickup day is.
So far, contractor and mutual aid crews have collected 137,353 cubic yards of vegetative debris and 7,033 tons of construction debris within city limits. Special thanks to our contractor Phillips & Jordan, city crews, and the cities and towns of Raleigh, Charlotte, Rocky Mount, Greenville, Hendersonville, Garner, Harrisburg, Wilson, and Salisbury for their assistance with debris collection.
The impact of the 2018 tropical systems in North Carolina wasn’t confined to coastal areas. Near the state’s geographical center, the route of N.C. 42 through Carbonton runs under floodwaters from the Deep River on Sept. 18, in eastern Chatham County, near Lee and Moore counties. Courtesy of the N.C. Department of Transportation.
CAROLINA PUBLIC PRESS | Hurricanes Florence and Michael caused school districts in their paths to miss several days of school. The state is helping districts avoid official penalties, but educators across the state are divided about the long-term wisdom of losing so many days of instruction.
As school districts recovered from Florence, Gov. Roy Cooper signed legislation Oct. 3 to grant calendar flexibility to schools in districts with federal disaster declarations. This allows the districts to waive up to 20 days of absences if they choose to. That choice isn’t necessarily automatic.
According to the N.C. Department of Public Safety, 30 counties have been federally declared for both individual assistance and public assistance, and 11 counties have been declared for public assistance only. School districts located in counties with either of these types of declarations can take advantage of the waiver policy. Although the legislation originally applied to those affected by Florence, it also covers districts with declarations due to Michael.
Valita Quattlebaum, chief communications officer for New Hanover County Schools, said her district will be using this waiver in addition to creating a new calendar to recoup days. Hurricane Florence heavily affected the coastal district’s schools and means of transportation, she said.
“We were out 17 days,” Quattlebaum said. “We had to get our buildings cleaned up, we had to clear up debris and make our campus safe enough for students to go into. We had repairs to do, get rid of damaged furniture, things that had gotten wet.”
WHAT: Information session, “Working with the Division of Employment during a Disaster.” Presented by Lockhart Taylor, the Assistant Secretary for Employment Security for the North Carolina Department of Commerce.
WHERE: Bosch Advanced Manufacturing Center (Bosch AMC) Room 102, Craven Community College (Craven CC), 800 College Court, New Bern NC, 28562
WHEN: Monday, Oct. 22, 2018, 6-8 p.m.
WHO: Small business employers, small business owners, self-employed
WHY: Offered by the Small Business Center at Craven CC, the purpose of this information session by the NC Division of Employment is to help business owners and self-employed in understanding Disaster Unemployment Assistance (DUA). The session will welcome questions about DUA as well as Unemployment Insurance.
HOW: Online registration is requested by visiting www.cravencc.edu/sbc.
This event is free and open to the public. For more information call 252-638-1166 or email email@example.com.