The toll-free numbers are open from6 a.m. to 10 p.m., seven days a week.Multilingual operators are available. Anyone requiring a reasonable accommodation (ASL interpreting, Braille, Large print, etc.) may call800-621-3362to request assistance in advance or ask the recovery staff at the center for assistance. Applying for disaster assistance is essentially a two-step process, which ensures consideration for all FEMA programs and SBA disaster loans. First, register with FEMA, then complete and return the no-obligation SBA loan application, if one is offered. There is no charge to apply for the loan and if approved, no obligation to accept it. FEMA grants do not have to be repaid. FEMA assistance is nontaxable and does not affect eligibility for Social Security, Medicaid or other federal benefits. Survivors small business financial should register even if they have insurance. FEMA cannot duplicate insurance payments, but underinsured applicants may receive help after their claims have bee

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