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From North Carolina’s Small Business and Technology Development Center (SBTDC) Disaster Preparation and Recovery page

Four Things to Do After a Disaster

  • Contact your insurance carrier to file your claim.
    If you are leasing business space, ensure that your lease owner has contacted their insurance carrier. Take pictures of damage.

  • Contact the Federal Emergency Management Agency (FEMA) once a federal disaster declaration has been made for your area (this can take several days post-disaster). You can contact FEMA by phone or online to report any loss. FEMA will take your information, provide you a registration number and mail applicable loan applications to you. For business loss, FEMA will refer you to the U.S. Small Business Administration.

    • Website: www.DisasterAssistance.gov
      Mobile device: m.fema.gov
      Phone for Helpline: 800-621-3362
      *If use 711-Relay or Video Relay Services - call 800-621-3362 (800-462-7585 TTY).

    • You can also visit a FEMA/SBA Disaster Recovery Center (DRC) in your area. DRC’s are temporary mobile assistance centers and are established after a federal disaster declaration has been made. Check your local news source for information about times and locations.

  • Contact the U.S. Small Business Administration to pursue low interest disaster loans for 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.

    The SBA provides applications for the agency’s disaster loan program online, which offers:

    • Business physical disaster loans of up to $2 million to cover uninsured or underinsured losses.

    • Economic injury disaster loans of up to $2 million to help meet financial obligations.

    • To obtain Disaster Loan Program information

      Online application via SBA’s secure website at https://disasterloan.sba.gov/ela
      Download Application - www.sba.gov/disaster
      For information or to request application forms, call the SBA’s Customer Service Center
      Phone: 800-659-2955 · 800-877-8339 for the deaf and hard-of-hearing
      Email: disastercustomerservice@sba.gov

    • You can also visit a FEMA/SBA Disaster Recovery Center (DRC) in your area.

  • Contact the North Carolina SBTDC for assistance with:

    • Assessing the financial impact on your business

    • Reconstructing financial statements

    • Preparing your SBA disaster loan application

    • Exploring options with creditors