Hurricane Irma Resources for Businesses and Individuals

Federal Reemployment Assistance Available for Disaster Victims

Assistance is available for residents and businesses in declared counties.

Disaster Unemployment Assistance (DUA) is available to Florida businesses and residents whose employment or self-employment was lost or interrupted as a result of Hurricane Irma.  Declared counties include Volusia, Flagler and St. Johns counties.

Individuals affected in these designated-disaster areas must file DUA applications by the new extended deadline of October 31st, 2017.

Disaster Unemployment Assistance is available to those who:

  • Worked or were self-employed or were scheduled to begin work or self-employment;
  • Are not able to work or perform services because of physical damage of destruction to the place of employment as a direct result of the disaster;
  • Can establish that the work or self-employment they can no longer perform was their principal source of income;
  • Do not qualify for regular unemployment benefits from any state;
  • Cannot perform work or self-employment because of an injury as a direct result of the disaster; or
  • Became the breadwinner or major supporter of a household because of the death of the head of household.

To file a DUA claim go to www.floridajobs.org or call 1-800-385-3920.

Computers are available for filing claims, Monday through Friday, 8am – 4pm, at the follow Career Centers:

Daytona Beach                                                      Orange City                                                          Palm Coast

359 Bill France Blvd                                              846 Saxon Blvd                                                    20 Airport Road, Suite E

Daytona Beach, FL  32114                                   Orange City, FL 32763                                        Palm Coast, FL 32164

 

Food for Florida (FFF)

To qualify for Food for Florida:

  • Must not currently be receiving benefits through the regular Food Assistance Program
  • Must have been living or working in the disaster area at the time of the disaster
  • Eligible individuals and families must have suffered a disaster-related loss, such as damage to their homes or self-employment property, loss of food, reduction or loss of income, or have incurred other disaster related expenses

To apply complete the on-line Food For Florida pre-registration.  Food for Florida Site Locations and further instructions on dates for interviews (based on the first letter of last name)  can be found by clicking here.

The U. S. Small Business Administration (SBA) Disaster Loans

The Florida Small Business Emergency Bridge Loan program has been activated by the Governor of Florida.  This program provides a source of expedient cash flow to Florida small businesses that have been physically and/ or economically impacted by Hurricane Irma.  All 67 counties in Florida are eligible.

These short-term, interest-free working capital loans are intended to “bridge the gap” between the time a major catastrophe hits and when a business has secured longer term recovery resources, such as sufficient profits from a revived business, receipt of payments on insurance claims or federal disaster assistance.

The Emergency Bridge Loan Program is not designed to be the primary source of assistance to affected small businesses, which is why eligibility is linked to pursuit of other sources.  Please note: this program provides a short-term loan of State of Florida public funds, not a grant, with the expectation that repayment will be made out of receipts from other sources of longer term disaster recovery assistance.

Loan Details

Amount: Between $1,000 and $25,000.
Term: 90 or 180 days based on individual business circumstances.
Interest: Loans will be interest-free for the loan term.
Payments: Payments are not required during the established loan term, but loans must be paid in full by end of the loan term, otherwise penalties apply.
Payment Process: Loan payments will be made directly by borrowers to Florida First Capital Finance Corporation, the State of Florida appointed program administrator.
Non-Payment Penalties: Penalties for non-payment will begin at the expiration of the established term of each loan, and will be as follows:

  • 12% per annum on the unpaid balance for the first 180 days following expiration of the established term.
  • 18% per annum on the unpaid balance thereafter.
  • Default is subject to normal commercial collection process.

Applications will be accepted under this program through Oct. 31, 2017, contingent on the availability of funds, for small businesses with two (2) -100 employees established prior to Sept. 4, 2017, located in any of Florida’s 67 counties that have been physically and/or economically impacted by Hurricane Irma.

The application form and eligibility and loan process can be found at: http://www.floridadisasterloan.org or at the Florida Small Business Development Center (SBDC) Network State Office at (850) 898-3489 for instructions.

SBA also provides low-interest, Long-term Disaster Loans to businesses of all sizes, private non-profit organizations, homeowners, and renters to repair or replace uninsured/underinsured disaster damaged property. SBA disaster loans offer an affordable way for individuals and businesses to recover from declared disasters.

The Three Step Process:

Apply online; in-person at a disaster center; or by mail

Apply online at the SBA’s secure website:  https://disasterloan.sba.gov/ela

As a business of any size, you may borrow up to $2 million for physical damage.

As a small business, small agricultural cooperative, small business engaged in aquaculture, or private non-profit organization you may borrow up to $2 million for Economic Injury.

As a small business, you may apply for a maximum business loan (physical and EIDL) of $2 million.

As a homeowner, you may borrow up to $200,000 to repair/ replace your disaster damaged primary residence.

As a homeowner or renter, you may borrow up to $40,000 to repair/ replace damaged personal property.
Property Verified and Loan Processing Decision Made

SBA reviews your credit before conducting an inspection to verify your losses.

An SBA verifier will estimate the total physical loos to your disaster damaged property.

A loan officer will determine your eligibility during processing, after reviewing any insurance or other recoveries.  SBA can make a loan while your insurance recovery is pending.

A loan officer works with you to provide all the necessary information needed to reach a loan determination.  Our goal is to arrive at a decision on your application within 4 weeks.

A loan officer will contact you to discuss the loan recommendation and your next steps.  You will also be advised in writing of all loan decisions.
Loan Closed and Funds Disbursed

SBA will prepare and send your Loan Closing Documents to you for your signature. Once they receive your signed Loan Closing Documents, an initial disbursement will be made to you within 5 days:

Physical damage – $25,000

Economic injury (working capital) – $25,000

A case manager will be assigned to work with you to help you meet all loan conditions.  They will also schedule subsequent disbursements until you receive the full loan amount.

Your loan may be adjusted after closing due to your changing circumstances, such as increasing the loan for unexpected repair costs or reducing the loan due to additional insurance proceeds.
To be considered for all forms of disaster assistance, applicants should register online at www.DisasterAssistance.gov or by mobile device at m.fema.gov 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 (800-8777-8339 for the deaf and hard-of-hearing) or by sending an email to disastercustomerservice@sba.gov.

The filing deadline to return applications for physical property damage is November 9th, 2017.  The deadline to return economic injury applications is June 11th, 2018.

IRS Tax Filing Extension

In the wak of Hurricane Irma, the Federal Emergency Management Association (FEMA) has declared 37 Florida counties (including Volusia and Flagler) as eligible for Individual Assistance aid – providing storm victims with an IRS-granted extension until January 31st, 2018, to file certain individual and business tax returns and make tax payments.

The declaration postpones tax filing and payment deadlines that started on September 4th and continues through mid-January.  This date range encompasses a long list of deadlines, but here are some of the key dates affected:

  • September 15th, 2017 (deadline for quarterly estimated tax payments; business extensions for 2016 tax returns of calendar-year partnerships and corporations)
  • September 30th, 2017 (deadline for calendar-year trusts)
  • October 16th, 2017 (extension for 2016 individual income tax returns – does not cover tax payments)
  • October 31st, 2017 (deadline for quarterly payroll and excise tax returns)
  • November 15th, 2017 (business extensions for 2016 tax returns for calendar -year tax-exempt organizations)
  • January 16th, 2018 (deadline for quarterly estimated tax payments)

No paperwork to file for this extension and it applies those eligible for FEMA’s Individual Assistance

FEMA offers two forms of assistance to help communities recover from natural disasters.  The entire state of Florida is eligible for Public Assistance, which funds the repair, restoration, reconstruction of replacement of a public facility or infrastructure.  This includes buildings, utilities, schools, parks and other facilities or organizations owned or run by the government (local, state or federal).

Individual Assistance covers individuals and families for personal and business losses.  In addition to the tax filing and payment extension, grant aid may be available to help pay for temporary housing, emergency repairs, property losses, medical or funeral expenses, and other storm-related costs.

Click FEMA map of counties qualifying for Individual Assitance (and the related tax breaks) and Public Assistance relief.  Click here for IRS’s page with information about help for victims of Hurricane Irma.

Additional local resources

United Way has provided local resources and can be found at http://www.211live.org