New Jersey Hurricane Sandy
2013/2014
Long-Term
Relief and Recovery Assistance Guide
Please Note: This guide is no longer being updated. For the most current
information on hurricane resources please go to the hurricane section
[http://www.nj211.org/hurricane.cfm] of our website.
Most Recent Update: September 30, 2014
To submit feedback
e-mail: [email protected]
Download the latest edition of this guide at www.nj211.org
Table of Contents
I. Addressing Basic Needs .............................................................................................................. 5
Food ............................................................................................................................................ 5
Health Concerns .......................................................................................................................... 5
FEMA Assistance ....................................................................................................................... 5
Help with Multiple Unmet Needs ............................................................................................... 5
American Red Cross Long Term Recovery ............................................................................ 5
Catholic Charities’ Disaster Case Management ..................................................................... 5
Local Long-Term Recovery Groups ....................................................................................... 6
Bayshore Resource Center ...................................................................................................... 9
MOVE (Manasquan Organization of Volunteer Efforts) ....................................................... 9
New Beginnings for Monmouth County Residents ................................................................ 9
Ocean County Family Success Center .................................................................................... 9
P.R.A.C. of Southern New Jersey ......................................................................................... 10
Southern Ocean County’s St. Francis Community Center ................................................... 10
Local Events to Address Unmet Needs .................................................................................... 10
Disaster Mental Health Services and Emotional Support Resources ....................................... 11
Domestic Violence .................................................................................................................... 13
Emotional Support for Children of All Ages ............................................................................ 13
NJ HELPS ................................................................................................................................. 15
Information and Referral........................................................................................................... 15
II. Finding Long-and Short-Term Housing Solutions................................................................... 16
Neighborworks Navigates the Road to Recovery ..................................................................... 16
NJ Housing Resource Center (NJHRC) .................................................................................... 16
The FEMA Housing Portal ....................................................................................................... 16
FEMA Individuals and Households Program (IHP) ................................................................. 16
Housing Assistance for Homeless Veterans ............................................................................. 17
Further Housing Resources ....................................................................................................... 17
III. Assistance for Homeowners And Businesses ......................................................................... 18
reNEWJERSEY Stronger ......................................................................................................... 18
Sandy Homeowner/Renter Assistance Program (SHRAP)....................................................... 19
Homeowner Resettlement (RSP) .............................................................................................. 19
Homeowner Reconstruction, Rehabilitation, Elevation and Mitigation (RREM) .................... 20
Hazard Mitigation Grant Program (HMGP) Elevation Program .............................................. 21
Landlord Rental Repair Program (LRRP) ................................................................................ 21
Landlord Incentive Program 2014 (LIP)................................................................................... 22
Sandy Homebuyer Assistance Program .................................................................................... 22
Housing Recovery Center Locations ........................................................................................ 23
Gap Funding Initiative (GFI) .................................................................................................... 23
Housing Recovery Resource Center for Monmouth and Ocean County Residents ................. 24
FEMA Rebuild Resource Library ............................................................................................. 25
Coastal Habitat for Humanity’s Neighborhood Revitalization Program .................................. 25
Financial Incentives through NJ’s Clean Energy Program ....................................................... 26
NewJersey Homekeeper Program ............................................................................................. 26
Homeless Prevention Program (HPP) ....................................................................................... 26
Building to a Higher Standard – ICC Coverage ....................................................................... 26
Willing Seller Program ............................................................................................................. 27
Project Restore HOPE Provides Financial Guidance ............................................................... 28
SCORE...................................................................................................................................... 28
SBA Loans ................................................................................................................................ 28
Stronger NJ Business Grant Program ....................................................................................... 29
Microloan Program for Small Businesses................................................................................. 29
IV. Insurance and Legal Resources .............................................................................................. 30
Community Health Law Project (CHLP) ................................................................................. 30
Legal Services of NJ ................................................................................................................. 30
Volunteer Lawyers for Justice .................................................................................................. 31
Pro Bono Partnership ................................................................................................................ 31
Your Rights as a Renter ............................................................................................................ 31
Appealing FEMA Decisions ..................................................................................................... 32
Pro Bono Net for FEMA Appeal .............................................................................................. 34
Non-Profit United Policyholders Group Offers Help ............................................................... 34
Mediation for Unresolved Non-Flood Insurance Claims.......................................................... 34
National Flood Insurance Helpline ........................................................................................... 34
Report Fraud ............................................................................................................................. 35
V. Clean-Up and Recovery Efforts Continue ............................................................................... 36
Document Replacement ............................................................................................................ 36
New Jersey Drivers License or ID ............................................................................................ 36
New or Replacement Social Security Card ............................................................................... 36
Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) .......... 36
Preserving Wet Documents....................................................................................................... 37
Report Waterway Debris........................................................................................................... 37
Inside the Home ........................................................................................................................ 37
Asbestos and Lead-Based Paint ................................................................................................ 38
Mold .......................................................................................................................................... 38
Air Quality Testing and Mold Remediation ............................................................................. 40
Courses Offer Training in Mold Removal ................................................................................ 40
Tips and Techniques to Remove Mold ..................................................................................... 40
Beware of Scams....................................................................................................................... 43
Disaster Case Management Fraud ............................................................................................ 44
Licensed Home Improvement Contractors ............................................................................... 44
Rebuild Stronger ....................................................................................................................... 44
VI. Improving the Process ............................................................................................................ 45
FEMA Wants to Hear from You ............................................................................................... 45
VII. Dial 2-1-1 for Help ................................................................................................................ 46
I. ADDRESSING BASIC NEEDS
Consider this: If you are struggling to make ends meet, review your expenses and see
if you can eliminate or reduce costs by seeking help in satisfying a basic need. Money
saved in one area of your budget could be put towards another pressing expense.
Food
If you are in need of food, visit End Hunger NJ [http://endhungernj.com/] where
you will find information about a food pantry in your area. Operational hours vary and
supplies may be limited so be sure to call before you go to verify details.
Health Concerns
If you have questions regarding mold, lead, asbestos, or flood water clean-up you can
call 609.826.4950 or 609.826.4920.
FEMA Assistance
FEMA Direct Temporary Housing has been extended through August 31, 2014. No
further appeals for additional possible needs through the FEMA Individuals and
Households Program (IHP), rental assistance (RA), and other needs assistance (ONA)
will be accepted beyond April 30, 2014.
Requests for additional assistance must be received prior to April 30 to be reviewed for
continued assistance. If the applicant contacts FEMA and requests additional assistance
after this point, they will be informed the disaster is closed. If they would like to
provide information for review they have the right to do so.
Help with Multiple Unmet Needs
American Red Cross Long Term Recovery
The American Red Cross is working with residents affected by Hurricane Sandy
throughout the state. Red Cross case managers meet one-on-one with individuals to
assess their storm related needs and help them to develop recovery plans to address
these needs. Case managers also connect people to other state resources and available
social services, and in some cases, provide direct financial assistance for housing
related expenses. Red Cross recovery specialists are also operational in storm impacted
communities, helping build preparedness and resiliency programs for better protection
against future storms. Individuals with questions on the Red Cross recovery program
can call 848.202.2930 or 848.202.2931 Monday through Friday from 9:00 am to 5:00
pm.
Catholic Charities’ Disaster Case Management
Catholic Charities administers a program called Disaster Case Management which is
designed to address the storm-related unmet needs of survivors and identify long term
recovery strategies. Clients work closely with a case manager who helps to develop a
recovery plan, find resources and identify suitable referrals. To enroll in this program
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you may call Catholic Charities’ Disaster Case Management at 877.510.6762 or dial 21-1 and speak with our disaster case management call specialist who will forward a
referral to the Disaster Case Management program at Catholic Charities on your behalf.
Local Long-Term Recovery Groups
Atlantic City Long-Term Recovery Group
The Atlantic City Long Term Recovery Group (ACLTRG)
[http://www.atlanticcityrelief.org/] was established to assist Atlantic City residents with
Sandy related housing issues. Case managers are available to meet with residents to
review their situation, determine their needs and help them to navigate the process of
obtaining the assistance they need. ACLTRG helps clients find temporary housing,
replace household items and obtain necessary funding. In addition, ACLTR helps clients
access the agencies and resources available to them including: NJ SHARES, South
Jersey Legal Services, Catholic Charities and others as well as city, state and federal
government programs. For more information, call 609.541.2189 or email
[email protected].
Atlantic County Long-Term Recovery Group
Services available through long-term recovery committees may include casework
management, construction management, volunteer management, donations
management, spiritual care, fiscal controls/reporting, and public information about the
committee's services and efforts. If you are a resident of Atlantic County and have
unmet needs regarding Hurricane Sandy, contact the Atlantic County Long-Term
Recovery Group [http://atlanticcountyrevive.org] by phone at 609.822.2113; email at
[email protected].
Bergen County Long-Term Recovery Committee
In response to Hurricane Sandy, organizations involved in the VOAD have banded
together to form a Long Term Recovery Committee (LTRC) in Bergen County to address
the needs of residents recovering from the hurricane. If you are a Bergen County
resident and need help or want to volunteer time or goods to assist in recovery efforts
contact the Committee.
Recovery Information Center
221 Moonachie Road
Moonachie, NJ
201-470-3143
Web Page [http://www.bergenvoad.org/]
Facebook Page
[https://www.facebook.com/HurricaneSandyVOADLongTermRecovery/info]
BrigStrong (Brigantine Long-Term Recovery Group)
BrigStrong [http://brigstrong.org] was created to address unmet needs of Brigantine
residents impacted by Hurricane Sandy. Services available through long-term recovery
committees may include casework management, construction management, volunteer
management, donations management, spiritual care, fiscal controls/reporting, and
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public information about the committee’s services and efforts. If you are a resident of
Brigantine and have unmet needs regarding Hurricane Sandy, contact BrigStrong by
phone at 609.264.7350, ext. 1.
Camden County Long-Term Recovery Group
The Camden County Long-Term Recovery Group was created to address unmet needs
of Camden County residents impacted by Hurricane Sandy. Services available through
long-term recovery committees may include casework management, construction
management, volunteer management, donations management, spiritual care, fiscal
controls/reporting, and public information about the committee's services and efforts. If
you are a resident of Camden County and have unmet needs regarding Hurricane
Sandy, call 609.314.8722.
Cape May County Long-Term Recovery Group
The Cape May County Long-Term Recovery Group (LTRG)
[https://www.facebook.com/pages/Cape-May-County-Long-Term-Recovery-GroupLTRG/113949075462900] was created to address unmet needs of Cape May County
residents impacted by Hurricane Sandy. The group is comprised of local non-profits and
human service agencies, faith-based groups, government agencies as well as concerned
citizen volunteers who work through a committee structure.
Cumberland County Long-Term Recovery Group
The Cumberland County Long-Term Recovery Group is a non-profit organization
providing recovery services to individuals and families affected by disasters in
Cumberland County. To learn more, email - [email protected]; reach them
by phone at 856.785.2060 ext. 113, or visit the group’s Facebook page.
[https://www.facebook.com/CumberlandCountyLongTermRecoveryGroup]
Essex County Long-Term Recovery Group
The mission of the ELTRG is to provide recovery services to individuals and families
affected by disasters in Essex County. Direct assistance is also available for
undocumented individuals. For more information, please call 973.465.0935 Ext. 206 or
email [email protected].
Hudson County Long-Term Recovery Group
The Hudson County Long-Term Recovery Group
[https://www.facebook.com/HCLTRC?ref=stream&hc_location=timeline] was created to
address unmet needs of Hudson County residents impacted by Hurricane Sandy.
Services available through long-term recovery committees may include casework
management, construction management, volunteer management, donations
management, spiritual care, fiscal controls/reporting, and public information about the
committee's services and efforts.
Middlesex County Long-Term Recovery Group
The Middlesex County Long-Term Recovery Group [http://middlesexltrg.org/] has been
established to respond to the needs of Middlesex County residents impacted by
Hurricane Sandy. You can reach them by calling 732.390.7074 or by email at
[email protected]. Their office is located at the Sayreville Senior Center, 423 Main
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Street - 3rd Floor, Sayreville, NJ and is open Monday - Wednesday 9:00am to 5:00 pm;
Thursday 9:00 am to 7:00 pm and on Friday 9:00 am to 4:00 pm.
Monmouth County Long-Term Recovery Group
This mission of the Monmouth County Long-Term Recovery Group (MCLTRG)
[http://www.Mcltrg.org] is to provide recovery services to individuals and families
affected by disasters in Monmouth County. They can be reached by phone at
848.206.2550 and by email [email protected]. Download the Monmouth County LongTerm Recovery Group's Emotional and Spiritual Resource Guide
[http://hub.mcltrg.org/wp-content/uploads/2014/05/ES_agencyspiritual_v13_final.pdf].
Morris County Long-Term Recovery Group
The Morris County Long-Term Recovery Group was created to address unmet needs of
Morris County residents impacted by Hurricane Sandy. Services available through longterm recovery committees may include casework management, construction
management, volunteer management, donations management, spiritual care, fiscal
controls/reporting, and public information about the committee’s services and efforts.
Ocean County Long-Term Recovery Group
The mission of the Ocean County Long-Term Recovery Group (OCLTRG)
[www.oceancountyltrg.org] is to strengthen and streamline disaster coordination in
Ocean County by sharing information, facilitating resident access to and dispersal of
resources and services, coordinating recovery efforts with Federal, State and local
authorities and agencies, coordinating volunteer activities and resources, and jointly
resolving cases with disaster recovery needs. They can be reached by phone at (732)
569-3484 or email at [email protected].
Southwest Long Term Recovery Group (LTRG)
The Southwest Long Term Recovery Group (LTRG) covers the area of Gloucester and
Salem Counties. In response to Hurricane Sandy, the Southwest LTRG cares for the
unmet needs of those affected by this natural disaster. The phone number is 856-4044375. To learn of the group's activities visit their Facebook page.
[https://www.facebook.com/SWLTRG?fref=ts]
Union County Long-Term Recovery Group
In response to Hurricane Sandy, various non-profit, community and faith-based
organizations have come together to form the Union County Long-Term Recovery
Group [http://unioncountyltrg.com/]. This group supports the rebuilding efforts of
Union County residents in the aftermath of the storm. Case managers are meeting oneon-one with survivors to determine their unmet needs after FEMA, insurance, and other
benefits have been settled. The Case Manager assigned to the client will bring to the
Long-Term Committee a request for funds to meet these needs. Fairness and
confidentiality of clients are of paramount importance in this effort. The group's phone
number is 908.353.7171 ext. 113.
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Bayshore Resource Center
The Bayshore Resource Center (BRC) acts as a one-stop center capable of assessing
and addressing the needs of the under-served and vulnerable residents of the Borough
of Highlands and nearby communities for disaster case management, advocacy and
assistance, and reconstruction. With partner organizations BRC will have access to
mental health professionals and financial counselors to assist those in the community
needing services. Space will be available in the BRC to collaborative partners, who will
be encouraged to designate personnel to be on-site at the BRC during specific times
during the week or month, or on a full-time basis, as appropriate. They are located at
426 Navesink Ave (Route 36 At Linden Ave), Highlands, New Jersey and can be reached
by phone at 732.893.7301 or email at [email protected].
Visit their Facebook page [https://www.facebook.com/BayshoreResourceCenter/info] to
keep up with events the organization is managing. The current event schedule
[https://www.facebook.com/BayshoreResourceCenter/events ] includes programming
that provides participants with counseling, behavioral health care, help in signing up for
government assistance programs and financial counseling. All programs are offered free
of charge.
MOVE (Manasquan Organization of Volunteer Efforts)
MOVE is dedicated to continue assisting residents in long-term disaster relief and
recovery. MOVE can provide case managers, educational seminars, emotional/spiritual
support and furniture bank assistance. Get Help. [http://www.move4recovery.org/gethelp] Give Help. [http://www.move4recovery.org/give-help] For more information, call
(732) 556-7577 or email to [email protected].
MOVE (Manasquan Organization of Volunteer Efforts)
MOVE is dedicated to continue assisting residents in long-term disaster relief and
recovery. MOVE can provide case managers, educational seminars, emotional/spiritual
support and furniture bank assistance. Get Help. Give Help. For more information call
(732) 556-7577 or email the organization.
New Beginnings for Monmouth County Residents
Under its New Beginnings program, Family Promise of Monmouth County is providing
disaster casework and disaster case management services to families displaced by the
storm. Security deposits and furniture assistance is available to eligible Monmouth
County families with at least one child under the age of 18 living at home. Residents
wishing to work with a Family Promise case manager should call the Family Promise
intake line to learn more: 732.673.0346. Download flyer
[http://www.familypromisemc.org/PDF_Forms/Updated%20New%20Beginnings%20Fly
er%20Jan%202014.pdf]
Ocean County Family Success Center
The Ocean County Family Success Center is overseeing a wide variety of programs and
individualized case management services designed to assist families living in coastal
areas around Ocean and Monmouth counties who were affected by the storm. Residents
are encouraged to walk-in (1433 Hooper Ave., Suite 121, Toms River, NJ) or call (732)
557.5037. Learn about services provided
9
[http://www.nj211.org/images/HurricaneSandy/chsnjsandyservices.pdf]. The office is
open on Monday, Wednesday, Thursday and Friday from 8:30 am to 4:30 pm, Tuesday
from noon to 8:00 pm, and evenings by appointment. Occasionally, weekend activities
are offered.
Residents of southern Ocean County see this flyer
[http://www.nj211.org/images/HurricaneSandy/Oceanfschurricanehelp.pdf]. Residents
of northern Ocean County see this flyer
[http://www.nj211.org/images/HurricaneSandy/Oceannorthfschurricanehelp.pdf].
Limited financial assistance is also available for eligible county residents who have
exhausted all other resources and need help with transportation, gas expenses,
utilities/rent, a security deposit, food, daily living expenses or emergency household
expenses. For information on this call the Ocean Family Success Center. See this flyer
[http://www.nj211.org/images/HurricaneSandy/Oceanfschurricanefinancehelp.pdf].
P.R.A.C. of Southern New Jersey
P.R.A.C. of Southern New Jersey has received funding from the American Red Cross to
provide Hurricane Sandy disaster services to residents of Atlantic and Cape May
counties. The focus of P.R.A.C.’s work is on offering assistance to Hispanic and other
ethnic populations including undocumented individuals. The organization will provide
free case management services to people of any age with low-incomes, seniors and
those with a disability. Assistance provided will include helping people find community
resources to satisfy unmet needs resulting from the storm. Limited funds are currently
available for rental assistance and food. Offices are located in Woodbine (604 Franklin
Street) and Atlantic City (3121 Atlantic Avenue). Call Program Manager Geovanni
Cantizano at 609.289.8526 for more information. Read more about P.R.A.C. of
Southern New Jersey’s Hurricane Sandy Disaster Services
[http://www.nj211.org/images/HurricaneSandy/prachsdssummary.pdf]. See the
program brochure [http://www.nj211.org/images/HurricaneSandy/prachsds.pdf].
Southern Ocean County’s St. Francis Community Center
St. Francis Community Center provides a wide variety of services and programs focused
on meeting the needs of Southern Ocean County residents. These services include:
counseling; family support services; food bank; educational support services; volunteer
program; pre-school program; and a senior center.
The Center is available to assist those displaced from Hurricane Sandy obtain grant
money and the support services they need. For more information, call 609.494.8861.
Local Events to Address Unmet Needs
Free Legal Clinics
Volunteer Lawyers for Justice - If you have a legal issue(s) arising out of Hurricane
Sandy, you are eligible to receive FREE legal counsel and advice and brief services from
volunteer attorneys of Volunteer Lawyers for Justice at local clinics they have
organized. Persons needing more involved assistance may, if financially eligible, be
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referred back to VLJ for placement with an attorney. If you cannot attend the clinic in
person, please call VLJ’s toll free disaster main line: 855.301.2525. Find a clinic in your
area. Bergen County [http://www.vljnj.org/uploads/pdf/Moonachie Clinic Flyer FALL
2014.pdf]; Cumberland County [images/HurricaneSandy/dlrpcumberland.pdf];
Monmouth County and Ocean County (dates to be determined); New locations to be
announced in their Disaster Legal Response Program section of their web page
[http://www.vljnj.org/get-help/].
Disaster Mental Health Services and Emotional Support Resources
Help with the emotional toll of Hurricane Sandy and its aftermath is available to NJ
residents. The Mental Health Association in New Jersey [http://www.mhanj.org/]
operates the New Jersey MentalHealthCares Helpline. The Helpline serves as a
gateway to clinical outpatient mental health and addiction services as well as inpatient
substance use disorder services for survivors of Hurricane Sandy. Callers may receive
supportive counseling, crisis assessment and intervention, and when needed connection
to appropriate resources and services.
Stress can surface in many forms and often appears weeks or months after a traumatic
event. It may include anger, fatigue, loss of appetite, sleeplessness, nightmares,
depression, inability to concentrate, hyperactivity and/or increased alcohol or drug use.
If you or someone you know is experiencing distress or feeling overwhelmed by painful
emotions related to recent events, call the New Jersey MentalHealthCares' Disaster
Helpline: 1-866-202-4357 (HELP). A TTY line is available at (877) 294-4356.
Translation services are available as well.
Strengthening Families Program
The Strengthening Families Program is a parent, youth, and family skills-building
curriculum designed to prevent future teen substance abuse and other behavior
problems, strengthen parenting skills, and build family strengths. The program is
delivered in a series of sessions for parents, youth, and families using realistic videos,
role-playing, discussions, learning games, and family projects. Each program session
will include dinner, gift cards/prizes for attendance and participation, free childcare (for
younger siblings), and fun activities and incentives for the children.

Cumberland County Bayshore Area - The series begins on September 22 and
continues through November 5 and is held on Monday and Wednesday nights
from 5:30-7:30 at Downe Township School, 220 Main St, Newport, NJ. For
families with children ages 6-11. Brought to you by The Southwest Council, Inc.
For more information contact Rosey Vazquez at 856.794.1011 ext. 305.
Download event flyer [images/HurricaneSandy/strengthenfamilybayshore.pdf].
Family Night Out
The JRF Family Success Center located at 149 Kearny Avenue, Perth Amboy, NJ
(Proprietary House) is hosting a free Family Night Out series for families with children
between the ages of 10 and 14. Babysitting will be provided for children under the age
of ten. Dinner will be served at 5:30 pm and the program which teaches valuable
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communication and family bonding skills is from 6:00-8:00 pm. For more information
contact Vanessa Ferreira at 732.638.5063 ext. 123 or [email protected]
or Denise Febo at 732.638.5063 ext. 105 [email protected] . Download event flyer
[images/HurricaneSandy/strengthenfamilyperthamboy.pdf].
Children's Home Society offers Free Trauma Counseling
The Calming after the Storm Project
[http://www.nj211.org/images/HurricaneSandy/chscalmafterstormproject.pdf] provides
free counseling to Ocean and Monmouth County residents, business owners and firstresponders who have been impacted in any way by Hurricane Sandy. Over the past
year, trauma trained clinicians have helped children, adults, and families affected by
the storm to alleviate symptoms of depression, anxiety, and anger including
sleeplessness, lack of motivation, increases or decreases in appetite, and bedwetting,
among many other symptoms.
The clinicians in the program are specially trained in Eye Movement Desensitization and
Reprocessing (EMDR), a therapeutic modality specifically geared towards reducing
symptoms of Post-Traumatic Stress Disorder (PTSD) and other trauma-related
disorders. Through the use of EMDR and other treatment modalities, clients have been
able to resume their daily living activities, deal more effectively with FEMA and other
government funded programs, and begin the long process of rebuilding.
Sessions are 100% free of cost, are confidential and open to anyone impacted by the
storm regardless of income level, employment status, or age.
Monmouth County Long-Term Recovery Group Emotional and Spiritual
Resource Guide
This guide
[http://www.nj211.org/images/HurricaneSandy/MCLTRGResourceGuide2013.pdf]
provides a comprehensive listing of resources for residents of Monmouth County who
are in need of emotional or spiritual support. All services are free unless otherwise
noted. Download the guide here.
New Beginnings Support Group for Monmouth County Residents
Family Promise of Monmouth County is offering a Sandy survivors support group called
New Beginnings. Group meeting times and locations are being determined based upon
registrant needs. The group is expected to provide information sharing opportunities,
teach coping skills and share survivor stories. For further information, call
732.673.0346. Download flyer in English
[http://www.familypromisemc.org/PDF_Forms/New%20Beginnings%20Support%20Gro
up%20Flyer.pdf]. Nuevo Comienzos Programa
[http://www.familypromisemc.org/PDF_Forms/New%20Beginnings%20Support%20Gro
up%20Flyer%20Spanish.pdf]
Path to Renewal
Ocean Mental Health Services is offering a new service for individuals experiencing
trauma as a result of Hurricane Sandy. This trauma specific service may be offered on
a one-to-one basis or in a group setting, depending upon an individual’s needs.
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OceanMHS also has speakers to meet with groups including parent/teacher
organizations, workplace in-services, Hurricane Sandy volunteers, community centers
and more. These presentations will include information regarding signs of trauma,
coping skills, stress management, and community mental health resources. Topics can
be added upon request.
For more information or to schedule an appointment, call Jessica Husko at
732.228.0486 or Susan Calavano at 732.221.1492.
Disaster Distress Helpline
The Disaster Distress Helpline is a national hotline that may be reached at 800-9855990. Helpline staff provide immediate crisis counseling and help to people affected by
Hurricane Sandy. You can also text “TalkWithUs” to 66746 and begin the process of
recovery. TTY for Deaf/Hearing Impaired: 1-800-846-8517
Domestic Violence
There is an identified link between the financial and emotional distress from Hurricane
Sandy and also trauma suffered from domestic violence which is causing certain men
and women in New Jersey to experience "co-trauma". The men and women that are
affected by the co-trauma do have options, and help is available from the Camden
County Women's Center.
If you lived in Camden County during the storm and have since left, still live in the
county, or relocated to the county after the storm and need help, contact Caitlin Butrica
at [email protected] or 856-963-5668 ext. 762. Men and women who are
survivors of domestic violence and also have been affected by Hurricane Sandy may
have resources available to them. Service begins with counseling and an assessment of
needs. All services are free and confidential and can be provided in Spanish.
The office is located at 311 Market Street, Camden, NJ 08102. If you or someone you
know is in need of immediate assistance, please contact the 24/7 Camden County
hotline at 856.227.1234.
Providence House Domestic Violence Services of Catholic Charities has been
providing domestic violence services, sheltering, education, prevention and legal
advocacy in Ocean County since 1986. They are now offering services in Brick and
Manahawkin area to better assist residents of communities hardest hit by Hurricane
Sandy. Services are confidential and free. Their 24 hour hotline number is
800.246.8910.
Emotional Support for Children of All Ages
Teens troubled by all that is happening around them can reach out to the 2NDFLOOR a confidential and anonymous helpline for NJ's youth and young adults ranging in age
from 10 to 24. It is open 24-hours-a-day, seven-days-a-week. Youth can either call the
helpline using a toll-free number, 888-222-2228, or access the interactive website
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[http://www.2ndfloor.org/]. Calls to the 2NDFLOOR youth helpline are anonymous and
confidential except in life-threatening situations.
The service is designed for listening, helping and guiding youth with their concerns. The
phone lines are staffed by licensed professionals and trained volunteers (who are
closely supervised and guided by social workers and professional counselors.) Hearing
impaired callers, can reach 2NDFLOOR at the following TTY number: 732-264-1703.
SPARK Academy
SPARK Academy [http://www.nj211.org/images/HurricaneSandy/spark.pdf] is part of
the HOPE worldwide Hurricane Sandy Recovery Program, funded by the American Red
Cross to provide youth resiliency programs. Program activities take place in Union
Beach, NJ and are for children from kindergarten through eighth grade. Activities
include writing and performing arts, visual arts and sports and fitness. For more
information contact Kelly Baldwin at 484.999.1558 or [email protected].
Turning the Tides
Turning the Tides is a series of programs designed to help youth in grades K-12 recover
from the aftereffects of the hurricane. This initiative uses proven strategies to promote
healing and increase resiliency among youth and families, equipping them with skills
and knowledge necessary to recover from the effects of Hurricane Sandy. Services will
be provided, free of charge, in the most storm impacted schools and communities.
Schools as well as interested individuals are encouraged to call.
To learn more, residents living in one of the counties of Bergen, Hudson, Essex,
Middlesex or Union are encouraged to email Program Coordinator Debbie Loffredo
[[email protected]] or Program Support Coordinators Lauren Stillwell
[[email protected]] and/or Mary Budd [[email protected]]
or call 732.235.2897.
If you live in one of the counties of Monmouth, Ocean, Atlantic, Cape May or
Cumberland, you can contact Carol Benevy at 732.942.5783 or email
[[email protected]] the Institute at St. Barnabas Medical Center.
Download the Turning the Tides brochure
[images/HurricaneSandy/turningtidesbrochure.pdf].
Download the flyer [images/HurricaneSandy/turningtidesnorthflyer.pdf] for the
program in the northern counties.
Resources and Further Reading
The American Academy of Child and Adolescent Psychiatry’s Disaster Resource Center’s
[http://www.aacap.org/cs/DisasterTrauma.ResourceCenter] website provides an
overview of children’s reactions to disasters, how to talk with children about a disaster,
and when to be concerned about a child’s response, including potential signs of PTSD in
children.
14
Helping Children after a Disaster
[http://www.aacap.org/AACAP/AACAP/Families_and_Youth/Facts_for_Families/Facts_fo
r_Families_Pages/Helping_Children_After_A_Disaster_36.aspx] provides suggestions
for how to talk to children about natural disasters.
Recovery After a Hurricane [http://nctsn.org/trauma-types/naturaldisasters/hurricanes#tabset-tab-5] is a good basic overall resource for parents and
caregivers about hurricanes, their impact on children and families, what parents,
teachers and others can do to help children cope with hurricanes, as well as activities
for children and adolescents. The site’s Description, Readiness, and Response tabs
offer additional information.
The National Child Traumatic Stress Network Manual of Psychological First Aid:
Appendix E [http://www.nctsn.org/content/psychological-first-aid] consists of a series
of handouts that cover possible adult reactions to disasters and
inappropriate/appropriate coping mechanisms, parenting tips for helping specific age
groups cope with disaster, and tips for adults regarding drug and alcohol use and
relaxation in confronting disaster.
Download a copy of Managing the Emotional Consequences of Storms and Flooding
[http://www.state.nj.us/humanservices/dmhs/disaster/Flood_Brochure_2011.pdf].
(Also available in Spanish
[http://www.state.nj.us/humanservices/dmhs/disaster/Storms_and_Flooding_Brochure
_Spanish.pdf])
Help for Families of Children with Special Needs
[http://www.nj211.org/images/HurricaneSandy/HelpChildrenwithSpecialNeeds.pdf]
Parents Guidelines for Helping Children after a Hurricane
[http://www.nj211.org/images/HurricaneSandy/ParentsHelpingChildrenAfterHurricane.
pdf]
Watch how Big Bird responds to his lost nest in a portrayal of recovery after a hurricane
hits Sesame Street [http://www.sesamestreet.org/parents/theshow/episodes/thehurricane].
NJ HELPS
For complete information on all state social services and on-line applications please visit
http://www.njhelps.org.
Information and Referral
Call 2-1-1 by simply dialing 2-1-1 from any phone to learn about your local
community resources. Each county has specific services set up for individuals and
families affected by the recent flooding. An experienced call specialist can help you find
the best and most current service available to meet your needs.
15
II. FINDING LONG-AND SHORT-TERM HOUSING SOLUTIONS
Neighborworks Navigates the Road to Recovery
NeighborWorks published Navigating the Road to Housing Recovery
[http://www.nw.org/network/aboutus/SandyRecovery.asp], a comprehensive guide to
resources and informative tutorial that has been structured to help hurricane survivors
make educated decisions about rebuilding, relocating, rental options, insurance-related
matters and home repairs. The guide is divided into four sections and organized in a
manner that encourages readers to go to the sections that address their most pressing
concerns. It will be updated as new resources become available.
NJ Housing Resource Center (NJHRC)
This is an online, housing information clearinghouse designed to help all New Jerseyans
with their housing-related needs. Landlords throughout New Jersey are opening their
available properties to Hurricane Sandy survivors. Many of these properties are now
listed on the NJHRC. The site hosts information on available properties statewide.
Searches on the database can be narrowed to limit your results to include a specific
type of housing unit and the site includes maps and pictures and is updated bi-weekly
to give an accurate reflection of housing availability in our state. Visit the NJHRC
website. [http://www.njhousing.gov/] and click on “Find Housing” or call 877.428.8844
for more housing information.
The FEMA Housing Portal
This site intended to help individuals and families, who have been displaced by a
disaster, find a place to live. The portal consolidates rental resources identified and
provided by federal agencies, such as the U.S. Department of Housing and Urban
Development (HUD), U.S. Department of Agriculture (USDA), U.S. Veterans
Administration (VA), private organizations, and the public, to help individuals and
families find available rental units in their area. Once you find a suitable listing, call to
see if it is still available. Visit the FEMA Housing Portal.
[http://asd.fema.gov/inter/hportal/home.htm]
FEMA Individuals and Households Program (IHP)
Under the FEMA Individuals and Households Program (IHP), temporary housing
assistance was available during the intermediate period (up to 18 months from the
disaster declaration date, subject to extension at the request of the FEMA Regional
Administrator and approval by the FEMA Assistant Administrator for Recovery) between
emergency sheltering and the securing of a permanent housing solution by the disaster
survivor. If sufficient rental resources are available in the impacted area, rental
properties may be able to satisfy the bulk of the temporary housing needs. However, if
the damage is significant, and existing local rental resources are insufficient to meet
the needs of the displaced population, FEMA may provide direct temporary housing
assistance to eligible disaster survivors.
16
All FEMA Individual Assistance Programs are coming to a close as of April 30,
2014 EXCEPT for the direct assistance provided through the Temporary
Housing Program. This program affects 60 families who are currently living at Fort
Monmouth, Megill, and mobile housing units. In these cases temporary housing will be
provided through August 31, 2014, but families must pay rent starting on May 1.
Housing Assistance for Homeless Veterans
The Department of Housing and Urban Development and VA Supported Housing (HUDVASH) Program provides permanent housing and ongoing case management treatment
services for homeless Veterans who require these supports to live independently. This
program allows Veterans and their families to live in Veteran-selected apartment units
and provides for the most vulnerable Veterans. It is especially helpful to Veterans with
families, women Veterans, recently returning Veterans and Veterans with disabilities.
Learn more about HUD-VASH. [http://www.va.gov/HOMELESS/HUDVASH_Eligibility.asp]
Learn about other programs for veterans by reading NJ 2-1-1 military assistance web
pages. [http://www.nj211.org/military_resources09.cfm]
Further Housing Resources
You may be eligible for assistance in finding housing, from these resources:
•
Your County Welfare Office
[http://www.state.nj.us/humanservices/dfd/programs/njsnap/cwa/]

Learn about other housing options on NJ 2-1-1 housing-related web pages.
[http://nj211.org/housing.cfm]
17
III. ASSISTANCE FOR HOMEOWNERS AND BUSINESSES
In an effort to assist people living and working in the most impacted communities
throughout the state, New Jersey is offering a variety of assistance opportunities to
address the need for housing and alleviate some of the financial burden that many are
suffering as they struggle to recover from the storm. In this section you will find
information about aid through grant awards to homeowners who were impacted by the
hurricane; assistance to homebuyers who are interested in purchasing a home and
programs for recovering businesses and other related resources. Two additional
federally funded programs have been designed to assist in the repair and rebuilding of
primary owner occupied residences. Those who are eligible are permitted to apply to
both programs.
reNEWJERSEY Stronger
With a focus on the most impacted communities throughout the state, New Jersey is
offering aid through grant awards to homeowners who were impacted by the storm.
reNEWJERSEY Stronger [http://www.renewjerseystronger.org/] is a website that
provides information on federally funded programs that have been designed to assist in
the repair and rebuilding of primary owner occupied residences. Many of these
programs have stopped accepting applications.
Contact the reNEW JERSEY Stronger Call Center at 1-855-SANDYHM (726-3946) from
9:00 am to 5:00 pm, Monday through Friday if you:

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



have submitted an application to the RREM or RSP programs and would like to
find out what the status of that application is. (Be sure to have your application
number when you phone.)
would like to reschedule your RSP closing appointment, confirm your RSP closing
appointment, or confirm your RREM appointment
are inquiring about the status of your payment for RSP or RREM
have submitted an application to LRRP, HMGP, or the Sandy Homebuyer
Program. (The Center does not have direct access to these applications, but will
be able to get you connected with the appropriate department.)
have submitted an appeal and are inquiring about the status. (The Center does
not have direct access to these applications, but will be able to get you
connected with the appropriate department.)
want some guidance on how to apply to LIP, withdraw from any of the grant
programs, or appeal an ineligible decision.
would like general information regarding any of the Hurricane Sandy grant
programs
did not apply for assistance through any of these programs but are in need of
help for a hurricane-related problem
18
Sandy Homeowner/Renter Assistance Program (SHRAP)
As of June 30, 2014 the Sandy Homeowner and Renter Assistance Program (SHRAP) is
no longer accepting applications.
The Sandy Homeowner/Rental Assistance Program is a temporary relief program
designed to assist individuals and families who are experiencing a housing crisis as a
result of Hurricane Sandy. The program is intended to provide housing stability by
offering support to those affected by the storm.
Recipients of the program will receive assistance with costs associated with:




maintaining temporary housing while their primary residence is repaired/rebuilt
maintaining a primary residence for the household to return to when
repair/reconstruction is completed
maintaining housing after a reduction in income
ensuring that affected households have items deemed essential for health and
safety upon return to a primary residence.
Eligible households will be provided with assistance for paying mortgage, rent,
retroactive or current utility payments and the purchase of essential
furnishings/appliances.
Eligibility Requirements
Recipients may receive assistance through this program for six months. In order to be
eligible for the program, an individual or family unit must:




Have a financial distress directly related to housing which is a direct result of
Superstorm Sandy
Be a U.S. citizen or eligible alien
Not be currently receiving Work First New Jersey (WFNJ) benefits or eligible for
WFNJ/SSI Emergency Assistance
Household members must be legally or blood-related
Learn more about this program
[http://www.state.nj.us/humanservices/dfd/programs/shrap/] and the documentation
that you must provide to be considered.
Homeowner Resettlement (RSP)
As of August 1, 2013, the Resettlement Program is no longer accepting applications.
Program Synopsis: This program provides a $10,000 grant award to eligible
homeowners whose primary residence was damaged by the storm. This program
requires you to remain in or return to Sandy impacted communities. To be eligible for
this grant your home must be located in one of the most severely impacted counties
(Atlantic, Bergen, Cape May, Essex, Hudson, Middlesex, Monmouth, Ocean, and Union).
19
Grant funds may be used for any non-construction purpose that assists you in
remaining in, or returning to, the county in which you lived prior to the storm.
To learn more details about this program (including what you will need in order to
apply) or to submit an application online go to the reNewJerseyStronger website
[http://renewjerseystronger.org/]; call 855.SANDYHM (726.3946); or apply in person
at a Sandy Housing Recovery Center listed below. Regardless of how you apply all
applications will be handled in the same manner.
Homeowner Reconstruction, Rehabilitation, Elevation and Mitigation (RREM)
As of August 1, 2013, the RREM Program is no longer accepting applications.
Program Synopsis: This program provides a grant of up to $150,000 for eligible
homeowners to repair, elevate or rebuild their primary residences in the affected
communities so that you can do the necessary work on your home to make it livable
and so that you can comply with requirements for structures located in flood plains.
The RREM program is intended to “fill the gap” between the cost of repairs and other
funds the owner has received to repair the structure. The calculation of RREM
assistance takes into consideration the cost of repairs and amounts the owner has
received for home repairs from other sources such as insurance, FEMA, SBA, and nonprofits.
To be eligible to receive RREM assistance applicants must meet the following eligibility
factors:





The damaged residence must be located in one of nine most impacted counties
(Atlantic, Bergen, Cape May, Essex, Hudson, Middlesex, Monmouth, Ocean, and
Union.)
At the time of the storm (October 29, 2012), the damaged residence must have
been owned and occupied by the applicant as the applicant’s primary residence.
The applicant must have registered for FEMA assistance.
The residence must have sustained damage as a result of the hurricane with a
FEMA Full Verified Loss (FVL) of at least $8,000 or had more than one foot of
water on the first floor.
Homeowner must have a household adjusted gross annual income of less than
$250,000.
The Department of Community Affairs (DCA) has contracted with a RREM Program
Manager to assist homeowners throughout the construction process. The RREM
Program Manager will work with homeowners to develop specifications for the work to
be completed, obtain bids from a builder, assign a builder to each homeowner, inspect
the construction while it is in progress, and approve payments to the builder.
On March 10, 2014 a change in how the program is being implemented went into effect
and is expected to hasten the distribution of funds. With this change, RREM grant
20
awardees who are using their own contractor can request an advance payment for 50
percent of their RREM grant. Once a RREM grant awardee’s contractor invoices or
provides receipts for eligible costs that exceed the initial 50 percent advance, the grant
awardee may submit up to two additional payment requests for the remaining balance
of their RREM grant.
RREM grant awardees must certify that they have a general contractor or design
professional under contract and DCA must verify that the contractor is licensed in New
Jersey and not debarred from work. At the time of the final payment request, DCA will
conduct a property inspection to ensure that RREM funds were used properly and that
items paid by the RREM grant award are complete.
To learn more details about this program (including what you will need in order to
apply) or to submit an application online go to the reNEWJERSEY stronger website
[http://renewjerseystronger.org/]; call 855.SANDYHM (726.3946); or apply in person
at a Sandy Housing Recovery Center listed below. Regardless of how you apply all
applications will be handled in the same manner.
Hazard Mitigation Grant Program (HMGP) Elevation Program
As of September 16, 2013, the HMGP Elevation Program is no longer accepting applications.
Program Synopsis: The HMGP Elevation Program is a reimbursement grant program
designed to help homeowners with the elevation of their primary single-family
residences to meet the requirements of the flood insurance risk maps in flood-prone
communities. The program is limited to the Sandy-impacted communities of Atlantic,
Bergen, Cape May, Essex, Hudson, Middlesex, Monmouth, Ocean and Union. There are
no income requirements for the program and FEMA registration is not required in order
to apply. Homes targeted for buyout under the state's HMGP acquisition program are
not eligible to participate. Additionally, federal regulations restrict homeowners who
have already begun elevation work from applying.
Eligible applicants can receive reimbursement of up to $30,000 for elevations on
existing single-family homes. Apply for elevation grant assistance at
reNewJerseyStronger website [www.renewjerseystronger.org] or by calling 1-855SANDYHM (1-855-726-3946). People can also apply in person at one of the Housing
Recovery Centers open in each of the nine most-impacted counties.
Landlord Rental Repair Program (LRRP)
As of November 15, 2013, the Landlord Rental Repair Program is no longer accepting
applications.
The Landlord Rental Repair Program is designed to restore rental properties that were
damaged by Hurricane Sandy. The program provides up to $50,000 per stormdamaged unit to assist eligible landlords of rental property to repair residential rental
21
property damaged by the storm. To be eligible for the award, the landlord must then
rent the repaired unit(s) to low and moderate income families at approved affordable
rents. Learn more [http://www.renewjerseystronger.org/landlord-rental-repairprogram/].
Landlord Incentive Program 2014 (LIP)
The New Jersey Department of Community Affairs (DCA) is providing grants to
landlords who make vacant rental units available to low- and moderate-income
households. In order to address the need for affordable housing that has exacerbated
by Superstorm Sandy, preference will be given to properties located in the counties
most impacted by the storm (Atlantic, Bergen, Cape May, Essex, Hudson, Middlesex,
Monmouth, Ocean and Union).
This incentive will provide landlords with the fair market rents while assisting low and
moderate income households obtain affordable housing.
DCA is accepting applications on a rolling basis and rental property owners with vacant
market-rate units can apply here. If interested, you must register for the mandatory
technical assistance workshop that is noted on the same web page.
The application deadline is May 31, 2014. Interested property owners who cannot
attend this workshop can call Lisa Downes at (609) 292-8548.
Sandy Homebuyer Assistance Program
As of September 30, 2013, the Sandy Homebuyer Assistance Program is no longer accepting preapplications. Applications received through September 30, 2013 will continue to be processed on a firstcome, first-serve basis.
If you have applied for the Sandy Homebuyer Assistance Program and are seeking a status update
to your application, please send an email to the Sandy Homebuyer Assistance Program at
[email protected]. To best assist you, please be sure to include the following in your
email:



Full Name of All Applicants
County of Current Residence
Date Full Application was submitted to the Housing Counselor
Due to a high volume of inquiries, please allow up to 5 business days for an email response from one of
our Sandy Homebuyer Assistance Representatives.
Program Synopsis: The Sandy Homebuyer Assistance program is a forgivable,
interest free loan program that provides financial incentive for homebuyers – including
creating first-time buyers from renters – to purchase a home. Buyers participating in
the program would identify a property they want to purchase, obtain a first mortgage
from a traditional source, and if qualified, would get a state funded second mortgage of
up to $50,000 which would require no monthly payments. If the homebuyer stays in
the home for five years the loan is forgiven and never needs to be repaid. Learn more.
[http://www.renewjerseystronger.org/about-the-sandy-homebuyer-assistanceprogram/]
22
Housing Recovery Center Locations
Local reNEW JERSEY Stronger Offices will answer questions about the Homeowner Resettlement
Program; Homeowner Reconstruction, Rehabilitation, Elevation and Mitigation (RREM); Hazard
Mitigation Grant Program (HMGP) Elevation Program; Landlord Rental Repair Program; and the
Sandy Homebuyer Assistance Program. You will find housing advisors at these locations who will
be able to guide you through the implementation process.
Atlantic County
Bergen County
Cape May County
Essex County
Hudson County
Middlesex County
Monmouth County
Ocean County
Union County
500 Scarborough Drive, Suite 101
Egg Harbor Township, NJ
Hours: M-F 9:00am-6:00pm; Th 9:ooam-9:00pm
140 E. Ridgewood Avenue, 1st Floor, South Tower
Paramus, NJ
Hours: M-F 9:00am-6:00pm
3860 Bayshore Road, Suite 5
North Cape May, NJ
Hours: M-F 9:00am -6:00pm
2 Gateway, 9th Floor
Newark, NJ
Hours: M-F 9:00am -6:00pm
438 Summit Avenue, 6th Floor
Jersey City, NJ
Hours: M-F 9:00am-6:00pm
1 Metroplex Drive
Edison, NJ
Hours: M- F 9:00am-6:00pm
3 Paragon Way, Suite 150
Freehold, NJ
Hours: M-F 9:00am-6:00pm; Th 9:ooam-9:00pm
750 Vassar Avenue, Suite 1
Lakewood, NJ
Hours: M-F 9:00am-6:00pm; Th 9:ooam-9:00pm
150 Morris Avenue, Suite 101
Springfield, NJ
Hours: TU, TH 9:00am-6:00pm
Source: http://www.renewjerseystronger.org/contact/
Last update/review: 7.2.14
Gap Funding Initiative (GFI)
The Gap Funding Initiative (GFI) represents $15 million dollars of support that has been
generated through donations made to the American Red Cross and the Hurricane Sandy
New Jersey Relief Fund. New Jersey Community Capital is the administrator of the fund.
Here is how the program works. GFI is offering grants of up to $30,000 to help
homeowners cover the costs of home repairs they face as a result of Hurricane Sandy
damage. Eligible homeowners must be approved for Rehabilitation, Reconstruction,
Elevation and Mitigation (RREM) funds by the New Jersey Department of Community
Affairs’ reNEW Jersey Stronger program and still have an ‘unmet need’ to cover the
cost of home repairs. GFI awards are intended to bridge these financial gaps.
23
GFI is not a reNEW Jersey Stronger or New Jersey Department of Community Affairs
program. GFI awards are determined after the RREM Program’s grant award calculation
has been finalized and are considered personally obtained funds.
Eligibility Criteria
 Applicants must have been approved for RREM funding and have signed a RREM
Grant Agreement.
 Applicants must have an ‘unmet need’ as determined in the ‘Homeowner Award
Calculation’ prepared by the RREM program.
 Applicant households must have an annual adjusted gross income of $100,000 or
less or meet the criteria of a low-to-moderate income household as determined
by the U.S. Department of Housing and Urban Development (HUD).
 Applicants must reside in one of the following counties in New Jersey: Bergen,
Hudson, Essex, Union, Middlesex, Monmouth, Ocean, Atlantic or Cape May.
 Applicants must utilize a ‘RREM-Assigned Contractor’ to complete construction.
GFI funds are still available and applications for funding will be reviewed in the order in
which they are received until all available award funds are committed. Housing
assistance grants may not be used to fund homeowner selected upgrades or to
reimburse homeowners for previously incurred expenses. Once awarded, housing
assistance grants will be placed in awardees’ escrow accounts for disbursement during
construction by the RREM escrow agent. Grant funds are applied last to the cost of
construction, and unused grant funds will be returned to GFI.
How to Apply
Download and complete the GFI Application.
[http://www.gapfundinginitiative.org/GFI%20Application%20Brochure.pdf]
Attach your (1) RREM ‘Exhibit 1- Homeowner Award Calculation’ and (2) RREM
‘Homeowner Pathway Selection’ forms.
Submit these documents by mail to:
Gap Funding Initiative
c/o New Jersey Community Capital
108 Church Street, 3rd Floor
New Brunswick, NJ 08901
Housing Recovery Resource Center for Monmouth and Ocean County Residents
The Affordable Housing Alliance provides housing counseling resources for Monmouth
and Ocean County residents impacted by Sandy through their Housing Recovery
Resource Center (HRRC). The HRRC staff is available to work with renters and
homeowners to find viable and permanent housing solutions including:




Benefits Coordination
Mortgage Modification & Foreclosure Prevention
Housing Counseling and Budget Assessment
Homeownership Education Related to Storm Recovery
24


Mobile Outreach in Monmouth and Ocean Counties
Professional counselors available to assist residents in navigating the road to
recovery whether they are replacing, rebuilding or relocating
The center, located at 171 First Street in Atlantic Highlands is now open and staff are
available to work with renters and homeowners to find viable and permanent housing
solutions. It is staffed by HUD-certified housing counselors with more than 20 years of
experience in navigating complex decisions related to whether to repair, rebuild or
relocate.
The center's mobile unit will travel throughout the two counties and hold mobile events
for those residents who are unable to get to the office. For more information call
732.982.5072 or visit their website [http://affordablehousingalliance.com/sandyassistance-programs.asp].
The Housing Recovery Resource Center will be hosting regular workshops at their
office. Workshops will cover a variety of topics and are open to residents of Ocean and
Monmouth counties. For more information call Torri Boderick at 732.982.5072 or email
[email protected].
Upcoming events include the following:
The Seven Principles of a Healthy Home
Tuesday, August 12, 2014 at 6:30 pm
Health Services Available to Monmouth County Residents
Tuesday, September 16, 2014 at 6:30 pm
FEMA Rebuild Resource Library
FEMA offers many written resources for download on their website. The bulk of the
publications focus on rebuilding stronger, safer and smarter and cover topics such as
retrofitting, elevating homes, and best practices for recovery. Flood recovery,
mitigation planning and documents pertaining to flood insurance matters are available
as well. Access them here. [http://www.fema.gov/region-vi/hurricane-sandymitigation-resources]
Coastal Habitat for Humanity’s Neighborhood Revitalization Program
Coastal Habitat for Humanity serves the coastal communities of southern Monmouth
County, reaching from Deal Road in Ocean, NJ on the north to the Monmouth/Ocean
County line on the south and everything east of the Garden State Parkway.
Homeowners located in this area whose home was damaged or destroyed by Hurricane
Sandy and who cannot afford the costs of repair or reconstruction may be able to get
assistance with repairs through the Coastal Habitat for Humanity’s Neighborhood
25
Revitalization Program. Download an application
[http://www.coastalhabitat.org/docs/chfh_application.pdf]
Financial Incentives through NJ’s Clean Energy Program
Temporary financial incentives are being offered through New Jersey’s Clean Energy
Program to New Jersey residents, business owners and local government officials
recovering from the damage of Hurricane Sandy.
If your home is located in a zip-code designated as a "major" or "minor" damaged area
impacted by Hurricane Sandy, you may be eligible for these enhanced incentives on
high efficiency equipment including furnaces, boilers, heat pumps, gas water heaters
and mini-split units.
If you are located outside the eligible zip code list, you may also qualify for increased
incentives by demonstrating that you have experienced damage caused by Hurricane
Sandy. Applications for Hurricane Sandy relief incentives outside the eligible zip code
list will be reviewed on a case-by-case basis. Qualifying equipment purchased on or
after October 29, 2012 through June 30, 2014 is eligible.
Find application procedures, a list of qualifying locations, answers to frequently asked
questions and more by going to NJ’s Clean Energy Program website. Call 866-NJSMART,
extension 4, to speak with someone about this incentive program.
NewJersey Homekeeper Program
The New Jersey HomeKeeper Program offers up to $48,000 in forgivable mortgage
assistance to New Jersey homeowners who are at risk of losing their homes to
foreclosure as direct result of unemployment or underemployment. To learn more about
this program and apply online go to https://www.njhomekeeper.com/. This program is
not accepting applications at this time.
Homeless Prevention Program (HPP)
This program provides temporary assistance to households who are facing eviction or
foreclosure because of conditions that have left them incapable of making payments.
Natural disasters fall into this category but must be documented by the Red Cross or a
letter from FEMA. This aid is temporary and is based upon income eligibility. Learn
more about HPP. [http://www.state.nj.us/dca/divisions/dhcr/offices/hpp.html ]
Building to a Higher Standard – ICC Coverage
New advisory base flood elevation maps published in December 2012 by the Federal
Emergency Management Agency show how high buildings should be elevated to
minimize damage from future flooding. Building higher means higher costs, but
26
rebuilding to old standards may prove even more costly because insurance premiums
will be raised if new standards are not met and when the next super storm comes along
you will still be in harm’s way.
Flood insurance policyholders in high-risk areas, also known as special flood hazard
areas, may get additional relief from their insurance carrier through a FEMA program
known as Increased Cost of Compliance coverage. If policyholders meet eligibility
requirements of the program they may get up to $30,000 to help pay the costs of
satisfying their community's floodplain ordinance.
The money can be used to raise your home or business to, or above, the flood elevation
level adopted by your local government; to move your building out of harm’s way;
demolish it; or modifying it to make it flood-proof.
Increased Cost of Compliance claims are paid only on flood-damaged homes in a highrisk area that don’t already comply with the local flood plain ordinances. The amount of
flood damage has to be declared by local authorities as substantial. The coverage can
only be used to pay for costs of meeting the floodplain management ordinance in your
community.
For more information on ICC coverage, call your insurance company or agent, or learn
more online at http://www.fema.gov/national-flood-insurance-program-2/increasedcost-compliance-coverage.
Willing Seller Program
The federal government has devoted $300 million to fund the Willing Seller Program
which will give homeowners the option of selling their properties damaged by Hurricane
Sandy in tidal areas of New Jersey. The buyout plan involves approximately 1,000
homes impacted by Sandy, in addition to another 300 repetitively flood-damaged
homes located in the Passaic River Basin. The program is designed to give homeowners
the ability to choose the best option for their individual situation.
The offers to willing seller homeowners are expected to begin starting in July through
New Jersey’s existing Blue Acres Program, with the first closings expected by Labor Day
and all of the closings done within one year. The initial targets will include about 350
homes in Sayreville and South River in Middlesex County that were impacted by
flooding from the Raritan and South Rivers, and Delaware Bay homes in Lawrence
Township in Cumberland County.
The state is targeting clusters of homes or entire neighborhoods that were ravaged by
the storm for buyouts. Those homes eventually will be razed and the areas maintained
as open space that can handle future flood waters, while keeping people and property
out of harm’s way.
A specially created buyout team at the Department of Environmental Protection (DEP)
is working to process sellers’ applications and get the paperwork portion of this effort
done quickly. The DEP has transferred personnel temporarily to handle the expected
27
influx of willing sellers and to process the applications efficiently and help families get
through the process as painlessly as possible.
Case managers are reaching out personally to individual homeowners to help guide
them through the buyout process. Property appraisals and title work will begin in June.
Homeowners interested in selling their homes through this process also may contact
the DEP’s Blue Acres Program at 609-984-0500. Learn more
[http://www.nj.gov/governor/news/news/552013/approved/20130516a.html]
Project Restore HOPE Provides Financial Guidance
Project Restore HOPE: Hurricane Sandy provides long-term financial recovery
information, guidance and empowerment services to small businesses, families and
individuals devastated by the storm. Included are the following financial guidance and
assistance services:

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Disaster Recovery Budget Guidance
Financial Case Management and Counseling
Insurance Claim Assistance
Government and Private Agency Referrals
Lost Document Recovery Assistance
Grant and Loan Application Assistance
Assistance Working with Creditors
Anyone affected by the devastating effects of Sandy should call the HCA toll-free
hotline at 888-388-HOPE (4673) to receive the free disaster financial recovery
information. Learn more. [http://www.operationhope.org/prhsandy#sthash.qsQ3DUT9.dpuf]
SCORE
SCORE [http://www.sandy.score.org/] is a nonprofit association dedicated to helping
small businesses. The organization offers a variety of free written resources to help
businesses prepare for and recover from a natural disaster. Volunteer mentors are
available to help businesses affected by the storm to get back on track for the future.
SBA Loans
The filing deadline to return applications for physical property damage was April 1, 2013. The deadline to
return economic injury was July 31, 2013. No new applications are being accepted at this time.
SBA provides low interest disaster loans to homeowners, renters, businesses of all sizes
and private, non-profit organizations to repair or replace real estate, personal property,
machinery & equipment, inventory and business assets that have been damaged or
destroyed in a declared disaster. Even if you don't get approved for this loan or don't
want to accept the loan, you should apply because it will open the doorway for other
potential opportunities for financial assistance.
28
Additional information on the disaster loan program can be obtained by calling SBA’s
Customer Service Center at 800-659-2955 (800-877-8339 for the deaf and hard-ofhearing) or by sending an email to [email protected] . The office is
open Monday through Friday from 8:00 a.m. through 6:00 p.m.
Stronger NJ Business Grant Program
The application deadline for this grant program was December 31, 2013. No new applications are being
accepted at this time.
Under the Stronger NJ Business Grant program, small businesses and non-profits may
apply for grants and forgivable loans of up to $50,000 per impacted location. If an
entity has multiple locations in New Jersey incorporated under a single federal tax
identification or employer identification (EIN) number, it may use one application to
seek funds for all incorporated, impacted locations, and may receive up to $50,000 per
impacted location, but no more than $250,000 in the aggregate.
Applicants to the Stronger NJ Business Grant program must show that each damaged
location for which funding is sought sustained at least $5,000 in Sandy-related physical
damage, which may include damage to real property and non-perishable/nonconsumable inventory.
Eligible costs under the Stronger NJ Business Grant program include working capital
(operating expenses), inventory, equipment, machinery, fixtures, furnishings, and
prospective construction. If an applicant seeks multiple types of funding, according to
program policy, working capital and inventory expenses will be prioritized.
Learn more about this program and the application process by going to the NJ
Economic Development Authority website
[http://application.njeda.com/strongernjbusinessgrant/], by contacting the NJEDA
Office of Recovery at 855.SANDY.BZ or by emailing [email protected].
Call center hours are: Monday - Friday: 8:30 a.m. – 4:30 p.m.
Microloan Program for Small Businesses
UCEDC, a Community Development Financial Institution and US Small Business
Administration (SBA) microlender, provides access to capital to underserved
populations and communities. While available to all small business owners in New
Jersey, their microloan program especially supports borrowers with little to no credit
history, low-income borrowers, and women and minority entrepreneurs. Loan officers
are prepared to give hurricane-affected businesses top priority in the application
process. Business owners can call UCEDC at 908-527-1166 to see if they qualify or they
can go online. [http://ucedc.com/content/storm-recovery-loan-program]
29
IV. INSURANCE AND LEGAL RESOURCES
Please note: When we hear about local legal clinics we post the information in the
section of this guide entitled “Local Events to Address Unmet Needs.”
Community Health Law Project (CHLP)
Due to the ongoing issues that victims of Superstorm Sandy continue to experience,
the Community Health Law Project has received a contract from the NJ Department of
Human Services to work with residents affected by the storm who were or are living in
Atlantic, Cape May, Bergen, Hudson, Monmouth, Ocean, Middlesex, Essex or Union
counties and were residents of New Jersey at the time of the storm.
The Community Health Law Project will provide free legal assistance. This may include
but is not limited to credit card issues, landlord tenant, consumer or health issues, and
an array of civil litigation issues. There are no income restrictions for these
services, however the issue must be related to Sandy.
In an effort to reach residents throughout New Jersey, a CHLP attorney and advocate
will be able to meet with residents in their office or at a location close to their home.
For assistance call the Community Health Law Project office closest to you: Atlantic and
Cape May 856.858.9500; Bergen and Essex 973.680.5599; Hudson and Union
908.355.8282; Monmouth and Ocean 732.380.1012; and Middlesex 609.392.5553.
The Community Health Law Project is a non-profit advocacy and legal services
organization dedicated to serving the needs of low-income people with disabilities in
New Jersey. Founded in 1976, CHLP has regional offices in Bloomfield, Elizabeth,
Trenton, Eatontown, and Collingswood; satellite offices in Jersey City, Toms River, Mt.
Holly, and Absecon; and an administration office in South Orange. Through negotiation,
litigation, and advocacy, CHLP removes discrimination, protects rights, and preserves
independence and quality of life. Visit the CHLP website [http://www.chlp.org/] to learn
more.
Legal Services of NJ
Call 1-888-222-5765 to be connected to the Legal Services of New Jersey
Hurricane Sandy Legal Assistance Hotline. The hotline was created to assist lower
income New Jersey residents with civil legal problems caused by Hurricane Sandy or
the aftermath of t/e storm. To those who qualify, all services are free.
The Hotline is scheduled to remain open through Summer 2015 and can be reached
from Monday through Friday, 8:00 a.m. to 5:30 p.m. You may also apply for Legal
Services online [https://lsnjlawhotline.org/]. You will receive a response within 2
business days. Find out more here
[http://www.nj211.org/images/HurricaneSandy/LSNJHurricaneSandyLegalAssistanceHo
tlineFlyer.pdf].
30
Volunteer Lawyers for Justice
Volunteer Lawyers for Justice staffs a Hurricane Sandy Legal Hotline through which
it offers statewide legal assistance. Their number is 855.301.2525. The organization
has developed a variety of free clinics that focus on Hurricane related topics. Offered in
varying locations in Bergen, Ocean, and Monmouth counties, and Atlantic City, the
clinics are open to all. No appointment is necessary. Other legal services are available
providing you meet certain eligibility requirements. All are encouraged to apply as
personal circumstances influence one’s eligibility.
Bring the following documents: FEMA correspondence; insurance policies and
correspondence with insurers; leases and correspondence with landlords; mortgages
and recent mortgage statements. All issues must relate to Superstorm Sandy, in NJ
only. If you are unable to attend in person, call VLJ's toll free disaster hotline noted
above.
Learn more about the programs and services provided by Volunteer Lawyers for Justice.
[http://www.vljnj.org/get-help/]
Pro Bono Partnership
Free legal services for nonprofit organizations are also available. The Pro Bono
Partnership provides business and transactional legal services without charge to
nonprofit organizations serving the disadvantaged or enhancing the quality of life in
New York, New Jersey and Connecticut. Contact them for legal assistance on issues
that your organization may be facing as a result of Hurricane Sandy, such as questions
concerning employee compensation, real estate issues, or insurance coverage. Learn
more at www.probonopartner.org.
Email: [email protected]
Phone: 973.240.6955
Your Rights as a Renter
Rent Abatement and Security Deposits
If you are a tenant and you have been displaced as a result of the storm, you may be
entitled to a return of part of the rent you paid if you are unable to live in your home
during that period of time. You also may not have to pay your rent for the months after
that if you are not able to go back into your apartment. Finally, if you are able to return
to your apartment, but it is not completely habitable, you may not have to pay all the
rent.
Your displacement due to this natural disaster, may also entitle you to have your
security deposit returned quickly. A landlord must return your security deposit within
five business days if:


The displacement is caused by fire, flood, condemnation or evacuation; and
An authorized public official posts the premises with a notice prohibiting
occupancy, or
31

A building inspector has certified within 48 hours that displacement is expected
to continue longer than seven days and has so notified the owner in writing.
Appealing FEMA Decisions
New Jersey survivors of Hurricane Sandy who have been turned down for disaster
assistance by the Federal Emergency Management Agency have the right to appeal that
decision.
Before appealing, be sure to read your determination letter carefully. FEMA may only be
asking that you provide additional information. If this is the case, include as much
documentation as possible to support your losses and document their value.
If you have been turned down or received less than the amount of assistance you feel
is needed to meet your immediate needs, this does not necessarily mean that your
case is closed.
Remember that FEMA is a program of last resort ─ not an insurance policy. Disaster
assistance may be provided to meet basic needs for you and members of your
household due to a disaster. It is not a program to make you whole or to improve
conditions that existed before the disaster.
Here are some common reasons why an application is denied:
Shared Household Rule ─ FEMA does not determine a ‘Head of Household’ when
multiple people at the same address apply. If you were denied and you feel you are not
part of a shared household, you can appeal and submit supporting documentation.
Duplication of Benefits ─ If you have insurance, FEMA will suspend payment of
assistance which may be covered by your insurance. If you find your insurance is
insufficient to cover your essential losses, you can notify FEMA and send in your final
insurance settlement or claim denial information.
How to Appeal a FEMA Determination:
Understand why you were denied ─ Completely review your FEMA determination letter.
All determinations are explained in the body of the letter. If you would like someone to
go over the letter with you or if you need additional information, you can call the FEMA
helpline at 800-621-FEMA (3362).
Appeal quickly ─ You have 60 days from the date on the determination letter you get
from FEMA to respond to a FEMA denial or a payment you feel is not adequate. If you
are filing an appeal more than 60 days after the date noted on your FEMA
determination letter, you will need to include an explanation of why your response is
over the 60-day deadline.
32
Request your FEMA file ─ If you need information about your case, you or the coapplicant on your application may request a copy of the information in your file by
writing to:
FEMA ─ Records Management
National Processing Service Center
P.O. Box 10055
Hyattsville, MD 20782-7055
To help protect the privacy of your personal information, whenever you write an appeal
or request letter to FEMA you should include your full name, date and place of birth,
damaged dwelling address, FEMA application number, and disaster number. Have your
letter notarized or include a copy of a state-issued identification card or include the
following statement: “I hereby declare under penalty of perjury that the foregoing is
true and correct.” You must sign the letter.
Follow the guidelines for appealing your denial. You must include your FEMA
registration number and disaster number on every page of your appeal and every page
of your supporting information. You can find both numbers on your determination
letter.
Gather information ─ Provide FEMA with any verifiable documentation that may support
your appeal. If you are not sure if you should include a particular document, you can
call the FEMA helpline for assistance at 800-621-FEMA (3362) or submit your appeal to
the address below.
Remember the bar code ─ Include a copy of the page of the eligibility notification that
you received from FEMA with the bar code on it.
Make sure you sign the appeal letter ─ Your appeal letter must be signed by you or an
authorized representative. If you want someone else to sign the appeal for you, make
sure to submit an authorization former with the appeal.
Keep records ─ Make sure to keep a copy of everything you send and keep a phone log
of any calls or meetings with FEMA.
FEMA response to your appeal: FEMA has 90 days to issue a written decision to an
appeal but often responds more quickly. FEMA’s decision on your appeal should be
considered final. However if you have new information you may provide this to FEMA.
Send your appeal letter to:
By Mail:
FEMA Appeals Officer
National Processing Service Center
P.O. Box 10055
Hyattsville, MD 20782-8055
Via Fax:
33
Attention: FEMA
(800) 827-8112
If you would like to speak with a specialist who can help you with the appeal process,
call the FEMA helpline at 800-621-FEMA (3362) or TTY 800-462-7585.
Pro Bono Net for FEMA Appeal
FEMAAppeals.org [http://femaappeals.org/] is a free, online site that helps you to
appeal a FEMA decision. This is a project of Pro Bono Net, which is assisted by legal
service organizations and law firms working pro bono in New York City.
This interactive program does two things:
1. Creates a FEMA Appeal letter that applicants can use to dispute a FEMA decision
2. Creates a File Request letter that applicants can use to request their FEMA file
Non-Profit United Policyholders Group Offers Help
United Policyholders [http://www.uphelp.org/blog/roadmap-recovery/hurricane-sandyclaim-help] is a non-profit organization that is dedicated to helping residents and
businesses through the insurance claims process. They will answer your insurance
questions and provide help in settling claims.
Mediation for Unresolved Non-Flood Insurance Claims
The New Jersey Department of Banking and Insurance (DOBI) Commissioner Ken
Kobylowski announced that New Jersey residents with unresolved non-flood insurance
claims related to Hurricane Sandy can have their cases mediated through the American
Arbitration Association (AAA). Application forms are now available online at
www.adr.org, by phone at 855-366-9774 or via email at [email protected].
The mediation program will allow property owners to submit homeowner's, automobile
and commercial property claims to a mediator who will review the case and assist in
settlement discussions. Disputed non-flood Sandy-related claims greater than $1,000
that do not include a reasonable suspicion of fraud and are based on policies in force at
the time Sandy made landfall will be eligible for mediation. Insurance carriers will pay
for the cost of the mediator. Policyholders who wish to bring legal representation to the
mediation session may hire an attorney at their own expense.
The mediation program will not include flood insurance claims at its inception because
those claims are regulated by the federal National Flood Insurance Program (NFIP).
Participation by policyholders is completely voluntary.
National Flood Insurance Helpline
Preliminary work maps have been introduced for Monmouth, Hudson, Atlantic and
Ocean counties. New Jersey property owners with questions about National Flood
34
Insurance Program rates now have a helpline to call to get the most up-to-date
information. Call 877.287.9804 if you need information about your flood insurance
rates based on the newly released National Flood Insurance Program Preliminary Work
Maps for Monmouth, Hudson, Atlantic and Ocean counties.
Report Fraud
Natural disasters are known to attract their share of con artists and frauds, most
notably:
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Home Repair Fraud
Insurance Fraud
Charity Fraud
New Jersey's Statewide Sandy Fraud Working Group is New Jersey's central
clearinghouse for data-gathering, investigation, and prosecution of civil and criminal
fraud related to Hurricane Sandy and the disaster recovery process.
If you believe you are a victim of fraud, or have information about alleged fraud
committed in the wake of Hurricane Sandy, please contact the Statewide Sandy Fraud
Working Group directly at [email protected] or 855-SANDY39 (855-7263939).Learn more at the Stop Sandy Fraud website.
[http://nj.gov/oag/ca/stopsandyfraud/index.htm]
35
V. CLEAN-UP AND RECOVERY EFFORTS CONTINUE
Document Replacement
The New Jersey Bureau of Vital Statistics can help you replace lost marriage, birth and
death certificates. For more information, call 609-292-4087 or visit
http://www.state.nj.us/health/vital/ or by mail contact:
New Jersey Department of Health and Senior Services
Bureau of Vital Statistics and Registration
P.O. Box 360
Trenton, NJ 08625-0360
For Express Shipping – download application off the internet and mail to:
New Jersey Bureau of Vital Statistics and Registration
Attn: Customer Service Unit
H & A Bldg, 5th Floor
Warren and Market Streets
Trenton, NJ 08625
For applications received after 4 pm, records will be mailed the next business day.
To find a local registrar in your county visit:
www.state.nj.us/health/vital/regbycnty.shtml
New Jersey Drivers License or ID
Storm victims who wish to obtain a New Jersey Driver’s License or ID will be required to
meet the New Jersey documentation requirements. Visit http://www.state.nj.us/mvc/
to download forms for new registration or driver’s license.
New or Replacement Social Security Card
Anyone receiving Social Security payments that have been interrupted can go to any
Social Security office to get an emergency payment. For information about changing
mailing addresses, obtaining a new card, direct deposit, or locating the nearest Social
Security office, call 1-800-772-1213 (TTY 1-800-325-0778) from 7 am – 7 pm/ Monday
through Friday or go online at http://www.socialsecurity.gov.
Supplemental Security Income (SSI) and Social Security Disability Insurance
(SSDI)
Storm victims who already receive SSI and SSDI should contact the Social Security
Administration directly at 1-800-772-1213 to learn how checks may be reissued, cards
replaced or to report a change in address.
36
Preserving Wet Documents
To preserve family treasures, review this informational link at the National Archives
www.archives.gov/preservation/disaster-response/guidelines.html.
Report Waterway Debris
Report debris at 1-877-WARN-DEP or at [email protected]. Additional
information available at: http://www.nj.gov/dep/special/hurricane-sandy/wwdebris.htm
Inside the Home
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Keep children and pets out of the affected area until cleanup has been
completed.
Wear rubber boots, rubber gloves, and goggles during cleanup of affected area.
Remove and discard items that cannot be washed and disinfected (such as,
mattresses, carpeting, carpet padding, rugs, upholstered furniture, cosmetics,
stuffed animals, baby toys, pillows, foam-rubber items, books, wall coverings,
and most paper products).
Remove and discard drywall and insulation that has been contaminated with
sewage or flood waters.
Thoroughly clean all hard surfaces (such as flooring, concrete, molding, wood
and metal furniture, countertops, appliances, sinks, and other plumbing fixtures)
with hot water and laundry or dish detergent.
Help the drying process by using fans, air conditioning units, and dehumidifiers.
After completing the cleanup, wash your hands with soap and water. Use water
that has been boiled for 1 minute (allow the water to cool before washing your
hands).
Or you may use water that has been disinfected for personal hygiene use
(solution of ⅛ teaspoon of household bleach per 1 gallon of water). Let it stand
for 30 minutes. If the water is cloudy, use a solution of ¼ teaspoon of household
bleach per 1 gallon of water.
Wash all clothes worn during the cleanup in hot water and detergent. These
clothes should be washed separately from uncontaminated clothes and linens.
Wash clothes contaminated with flood or sewage water in hot water and
detergent. It is recommended that a laundromat be used for washing large
quantities of clothes and linens until your onsite waste-water system has been
professionally inspected and serviced.
Seek immediate medical attention if you become injured or ill.
37
Asbestos and Lead-Based Paint
New Jersey's Department of Health continues to remind residents of the importance of
being aware that buildings and homes may contain asbestos since it was a common
building material. Anyone who is removing walls or other parts of homes damaged by
Hurricane Sandy should be cautious and determine if asbestos is present prior to
removal. Home or business owners should first determine if the house or building
contains asbestos by contracting with a professional asbestos inspector certified by the
U.S. Environmental Protection Agency (USEPA) to conduct an inspection and take
samples of any suspected asbestos-containing material. Anyone hired to remove
asbestos must be licensed by the Department of Labor. Extensive training is required,
including how to use personal protection equipment. While a homeowner is not required
to be licensed, it is strongly recommend that only licensed professionals remove
asbestos.
Additionally, if a home or building was built prior to 1978, it is important to test the
paint before doing any renovation or remodeling of painted surfaces. If lead is detected,
take all necessary precautions to ensure that lead-painted building components are
removed in a safe manner. Protect your family and home - set up safely, control the
dust, and clean up completely. For tips on protecting yourself from lead dust while
doing repairs visit this EPA site [http://www.epa.gov/lead/rrp/do-it-yourselfers.html].
It is important to note that any contractors hired to conduct renovation work in homes
built before 1978, must have received lead-safe training and are certified by the
USEPA.
Read the NJ Department of Health's brochure
[http://www.state.nj.us/health/er/documents/prepare_before_cleanup_flyer.pdf] for
volunteers, community organizations, and home and businesses owners. It makes
recommendations on how to identify mold and asbestos and suggests steps that can be
taken to protect against these health hazards.
Mold
Para informacion en Espanol, favor visitar el sitio de internet
http://www.bt.cdc.gov/disasters/mold/es/moldprotection.asp
Mold in a damaged home can create serious health problems for residents following
severe storms and flooding FEMA officials warn.
Mold flourishes in moist environments in water-damaged homes. It often appears as a
fuzzy growth or a discoloration of surfaces, and may be accompanied by a musty,
earthy odor or a foul stench. Residents are advised to use care when cleaning up the
mold. If there are signs of mold growth in your home before you do anything about it
you must decide who is best equipped to do the clean-up. This depends on a number of
factors.
One consideration is the size of the mold problem. If the moldy area is less than about
10 square feet (roughly, less than a 3 ft. by 3 ft. patch), in most cases, you can handle
38
the job yourself, following the guidelines below. If there has been a lot of water
damage, and/or mold growth covers more than 10 square feet you may want to consult
with a professional cleaning service. Who should do the cleanup depends on a number
of factors. One consideration is the size of the mold problem. If the moldy area is less
than about 10 square feet (roughly, less than a 3 ft. by 3 ft. patch), in most cases, you
can handle the job yourself, following the guidelines below. However:
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If there has been a lot of water damage, and/or mold growth covers more than
10 square feet you may want to consult with a professional cleaning service.
If you choose to hire a contractor (or other professional service provider) to do
the cleanup, make sure the contractor has experience cleaning up mold. Check
references and ask the contractor to follow the recommendations in EPA's Mold
Remediation in Schools and Commercial Buildings, the guidelines of the American
Conference of Governmental Industrial Hygienists (ACGIH), or other guidelines
from professional or government organizations.
If you suspect that the heating/ventilation/air conditioning (HVAC) system may
be contaminated with mold (it is part of an identified moisture problem, for
instance, or there is mold near the intake to the system), consult EPA's guide
Should You Have the Air Ducts in Your Home Cleaned? before taking further
action. Do not run the HVAC system if you know or suspect that it is
contaminated with mold - it could spread mold throughout the building.
If the water and/or mold damage was caused by sewage or other contaminated
water, then call in a professional who has experience cleaning and fixing
buildings damaged by contaminated water. To access lists of consultants,
laboratories, remediation firms and trade groups who provide various
environmentally-related services click here.
[http://www.state.nj.us/health/iep/mold_ta.shtml]
If you have health concerns, consult a health professional before starting
cleanup.
HAZARDS OF MOLD INFESTATION


Do not spend time in houses with mold. Nasal stuffiness, throat irritation, coughing
or wheezing, eye irritation, or, in some cases, skin irritation may occur.
People with mold allergies may have more severe reactions. Immunecompromised people and people with chronic lung illnesses, such as obstructive lung
disease, may get serious infections in their lungs when they are exposed to mold. These
people should stay away from areas that are likely to have mold.
39
Air Quality Testing and Mold Remediation
Hearts & Hands Disaster Recovery (HHDR) provides certified local volunteers to conduct
air quality testing and free mold remediation for residents impacted by natural
disasters. If your home was flooded as a result of Hurricane Sandy and you need
assistance to clean up the mold, HHDR can help. Residents in need of assistance must
meet the following criteria:

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
A homeowner in New Jersey
Have a registration number with FEMA
Have an open case with a Disaster Case Manager
Residents interested in utilizing the services of HHDR should ask their Disaster Case
Manager for a referral for service. If you are in need of these services but are unsure
about how to obtain them, contact Hearts & Hands Disaster Recovery by email for more
information or call Falon Alo at 732.344.0722.
Courses Offer Training in Mold Removal
Rutgers School of Public Health
Many homeowners in the state are dealing with mold and its affects in the aftermath of
Hurricane Sandy. Recently, Rutgers School of Public Health has offered classes that are
open to professionals, volunteers and homeowners. The course provides mold
awareness and recommended general safety procedures when dealing with post
hurricane/flood clean-up issues. Topics discussed include: Awareness of mold; safe
work practices; personal protective equipment; respiratory protection; and best
practices for remediation.
To schedule a course in your area, please contact Mitchel Rosen at
[email protected] .
New Jersey residents can also call 609-826-4950 to speak with the NJ Department of
Health's Environmental and Occupation Health Assessment Program staff about mold
removal questions.
Tips and Techniques to Remove Mold
The tips and techniques presented in this section will help you clean up your mold
problem. Professional cleaners may use methods not covered in this publication.
Please note that mold may cause staining and cosmetic damage. It may not be
possible to clean an item so that its original appearance is restored.
Before you begin
Use fans at open windows or doors to dry a flooded residence, but be sure they blow
outward, not inward, to avoid spreading the mold. Accelerate the drying process by
using a dehumidifier to extract moisture from the air and the contents of your home.
Do not use an air conditioning system until it has been checked by a professional. Using
40
a system contaminated by mold will spread the mold throughout the house. Instead,
open windows and doors to provide fresh air.
Discard porous materials such as carpet, mattresses, upholstered furniture insulation
and ceiling tiles which are infected by mold. Wallboard, drywall and particle board are
also porous and should be discarded. Workers should wear masks, protective eyewear
and non-porous gloves while handling anything that is suspected of containing mold.
41
Immediate actions you can take to remove mold:
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Clean the area to remove, as much as possible, the mold and the material on
which it is growing
Clean with a non-ammonia detergent in hot water
Scrub the entire area affected by the moisture
Use a stiff brush or cleaning pad on block walls or uneven surfaces
Rinse the area with clean water
Thoroughly dry the area as quickly as possible
Repeat cleaning as necessary to remove mold
Disinfect with a 10% bleach solution (1 cup of bleach to 1 gallon of water), by
applying a thin coat of bleach solution to the entire area, ensuring that the entire
area is cleaned, not just the area where the moisture problem occurred. Use a
sprayer or a sponge to apply the solution liberally, but avoid excessive amounts
of runoff or standing pools
Allow the area to dry naturally. Drying time is important for the disinfectant to be
effective at killing mold and bacteria
Never mix bleach and ammonia. The fumes are toxic!
Do not paint or caulk moldy surfaces. Clean up the mold and dry the surfaces
before painting. Paint applied over moldy surfaces is likely to peel.
If you are unsure about how to clean an item, or if the item is expensive or of
sentimental value, you may wish to consult a specialist. Specialists in furniture
repair, restoration, painting, art restoration and conservation, carpet and rug
cleaning, water damage, and fire or water restoration are commonly listed in
phone books. Be sure to ask for and check references. Look for specialists who
are affiliated with professional organizations.
Further Advice
Learn more about mold clean-up, and prevention here.
[http://www.bt.cdc.gov/disasters/mold/protect.asp]
Creating a Healthy Home – A Field Guide for Cleanup of Flooded Homes is a
comprehensive do-it-yourself booklet that provides easy, step-by-step instructions on
how to handle mold removal in flooded homes before starting to rebuild or renovate.
Agencies working directly with individuals impacted by the floods can also order a
shipment of printed booklets to distribute to those needing assistance. Please call the
National Center for Healthy Housing (NCHH) at 877.312.3046 for more information.
The North Dakota State University website [http://www.ag.ndsu.edu/flood] offers
access to many helpful and informative booklets and videos pertaining to flood
recovery. Their publication, Flood Recovery Checklists
[http://www.nj211.org/images/Hurricane/FloodRecoveryandCleanUp.pdf] includes
details on how to properly clean your home and the items within it as well as how to
recover your garden and landscapes, recommendations regarding financial recovery
and much more. This booklet was published by the North Dakota State University
Extension Service and as such includes local resource information that does not apply
to residents of New Jersey but all other information in the booklet will prove quite
useful.
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For general information, see the Center for Disease Control and Prevention at
http://emergency.cdc.gov/disasters/hurricanes/
An informational brochure is available from the New Jersey Department of Community
Affairs at http://www.state.nj.us/dca/divisions/codes/alerts/pdfs/flood.pdf entitled
Flooding Hazards: What You Need to Know.
The New Jersey Department of Health has released Mold Guidelines for New Jersey
Residents [http://nj.gov/health/er/hurricane_recovery_resources.shtml], a pamphlet
created to provide direction to residents on addressing mold in homes in the aftermath
of the hurricane. The pamphlet addresses a number of topics including mold-related
health concerns, how to inspect for mold and tools and techniques for cleanup.
New Jersey residents can also call 609-826-4950 to speak with the Department’s
Environmental and Occupation Health Assessment Program staff about mold removal
questions.
Beware of Scams
Don't become the victim of disaster-related scams. The following tips are provided by
the NJ Division of Consumer Affairs.




Before you begin making repairs to your home make sure that the professional
you are about to hire is licensed to do the repair work.
Ask to see identification before you let anyone who claims to be from a utility
company inspect your home.
Never give your credit card number or financial information to strangers over the
phone or on the Internet.
It is customary not to pay for the entire home improvement project in advance.
Pay one-third beforehand, one-third halfway through and one-third upon
completion.
Read more on this topic here: Tips for Flood Victims: Avoid Disaster-Related Scams - NJ
Division of Consumer Affairs
[http://www.njconsumeraffairs.com/disaster/floodtipsflyer_1.pdf]
Surgerencias Para las Víctimas de las Inundaciones: Cómo Evitar Estafas Relacionadas
con los Desastres - NJ Division of Consumer Affairs
[http://www.njconsumeraffairs.com/press/SPfloodvictims.pdf]
Get more helpful advice from the National Center for the Prevention of Home
Improvement Fraud [http://www.ncphif.org].
Learn more at the Division of Consumer Affairs website.
[http://www.njconsumeraffairs.com/disaster/]
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Monmouth County Superstorm Sandy Fraud Task Force
The mission of the Monmouth County Superstorm Sandy Fraud Task Force is to provide
a consolidated and coordinated response in the aftermath of Superstorm Sandy to
victims of criminal and civil frauds and improper business practices in Monmouth
County. Learn more [http://prosecutor.co.monmouth.nj.us/sandy-fraud.html].
Disaster Case Management Fraud
It has been reported that individuals are receiving calls from a restricted/private
number presenting themselves as representatives of Catholic Charities. The caller then
proceeds to inform clients/individuals that they are checking in with them and asks for
personal information. The callers do not share their phone number or name - even
upon request, however simply state they are from Catholic Charities and need their
information to confirm services/status.
If you receive any calls from restricted/private numbers claiming to be from Catholic
Charities, do not answer any questions or share any private information. Instead,
immediately call your Disaster Case Manager to report.
Licensed Home Improvement Contractors
Paterson Habitat for Humanity Offers Tips to Hiring a Contractor
[http://www.nj211.org/images/Flood/Tips%20to%20Hiring%20a%20Contractor.pdf ]
Visit http://www.njconsumeraffairs.gov/brief/improve.pdf to receive tips from the NJ
Division of Consumer Affairs on how to hire a home improvement contractor.
At this site you can also search by name for licensed contractors and for other
licensed professionals including home improvement contractors, master plumbers
and electrical contractors http://www.njconsumeraffairs.gov/LVinfo.htm
Consumer Complaint forms can be found at the same site at
http://www.njconsumeraffairs.gov/ocp/ocpform.htm
Rebuild Stronger
Read what FEMA has to say about flood insurance; how to rebuild your home so that it
is stronger and more resistant to damage; and how rebuilding techniques used can
affect your future insurance rates.
Changes in the Flood Insurance Program; Preliminary Considerations for Rebuilding
Build Back Safer and Stronger - What You Need to Know
Hurricane Sandy Advisory Base Flood Elevations (ABFEs)
Rebuilding Safer, Smarter and Stronger: Considerations for Property Owners
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VI. IMPROVING THE PROCESS
FEMA Wants to Hear from You
The Federal Emergency Management Agency (FEMA) is seeking public comment on
implementing a provision of the Robert T. Stafford Disaster Relief and Emergency
Assistance Act regarding State administration of the Hazard Mitigation Grant Program
(HMGP). The provision directs FEMA to establish criteria to delegate authority to States
to administer HMGP. FEMA is seeking input from the public to help inform the
development of this new method of program delivery.
Those who are interested in participating are invited to submit written data, views, or
arguments on all aspects of the notice. Comments can be submitted through the
Federal eRulemaking Portal [http://www.regulations.gov] under Docket ID: FEMA2014-0013. The deadline for public comments is 05/12/2014.
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VII. DIAL 2-1-1 FOR HELP
NJ 2-1-1
You are encouraged to dial “2-1-1” 24 hours a day, seven days a week if you need help
in understanding and finding available assistance services or hotline numbers.
Language translation and TTY services are offered to any caller.
If anything in this guide is incorrect, or additions are recommended,
please contact [email protected].
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