几周前,冬季风暴“尤里”(Uri)席卷德州,使许多人陷入困境,这让德州人大吃一惊. 停电,管道结冰,缺乏干净的水,这对许多德克萨斯人来说是一段可怕的时光. 风暴也许过去了,但我们仍必须收拾残局. But you do not have to do it alone. If you find yourself in need of aid after the storm, 继续阅读,找到可以尽快缓解压力的资源.
Financial Assistance
- 如果你在“尤里”冬季风暴期间遭受了冰雪伤害,并且你有保险, contact your insurance company first and then FEMA.
- If you are uninsured, apply for FEMA assistance. 联邦应急管理局将无法赔偿因停电造成的食物损失, however, if you call 211, 您可以找到可用的社区资源.
Insurance Claims
- Filing a claim
- 检查你财产的损坏情况——文件、文件、文件!
- Make sure you take photos/videos of the loss or damage.
- Contact your insurance company as soon as possible.
- 贵公司将派一名理算员调查损失.
- Find a contractor as soon as you can and get estimates.
- You want to be sure that you keep all your receipts.
- Inspection Tips
- 随时待命——现在很多人都在申请索赔, 所以你可能要耐心等待预约检查.
- Review the damage WITH your adjuster. Ask questions and be sure to show them all the damages.
- 向理算员提供所有文件,并立即报告额外的损坏.
- DOCUMENT EVERYTHING!
- Estimates and Payments
- 你要确保从你的保险公司和承包商那里得到一份估价的副本.
- The insurance company will then issue you a payment, 但是你只需要对免赔额负责.
- 你也要确保你让你的抵押贷款公司了解最新的情况. 他们可能需要在你的保险公司的支票上签字.
- 请务必向您的理算师询问您可能需要的任何澄清, payment, deduction, and any possible depreciation.
- Contractor Tips
- 得到一些承包商对维修的估计可能是值得的,越快越好.
- 如果承包商的估价高于你的保险公司的估价, call your insurance company.
- Problems with your claim?
- 你必须通知你的保险公司任何纠纷-确保你保留这一记录.
- Contact your adjuster or insurance company
- Contact OPIC
- OPIC is the Office of Public Insurance Counsel. 他们是由德州立法机关设立的独立机构.
- 你也可以向德州保险部门投诉
- If applicable, you can contact an attorney
- Additional Resources
- Texas Department of Insurance
- OPIC
FEMA Assistance
- 申请联邦应急管理局援助重建冬季风暴“尤里”的截止日期是2021年4月20日.
- 如果你需要紧急援助,联邦应急管理局的紧急需求援助最高可达500美元.
- Before you apply for FEMA assistance, be sure to:
- 给你受损的房屋和物品拍张照片——列出所有受损物品的清单.
- 如果你有保险,首先向你的保险公司提出索赔,然后向联邦应急管理局申请
- 联邦应急管理局可以帮助你解决你的保险没有涵盖的需求,或者在你等待保险金的时候给你钱, however, 你需要在收到你的保险金后偿还联邦应急管理局.
- FEMA will not cover your deductible.
- Ways you can apply
- Who can apply?
- US citizens
- Non-citizen nationals
- Qualified aliens may be eligible
- Once you apply for FEMA, there will be an inspector visit – as of now, all inspector visits will be conducted virtually.
- 联邦紧急事务管理局的财政援助来自总住房援助(HA)和总其他需要援助(ONA)。. 截至目前,单户家庭的最高补贴为3.4万美元. However, this amount could change in the future.
- Other ways FEMA can help:
- Provide assistance with temporary housing,
- Provide rent assistance,
- Repair your home,
- 联邦应急管理局可以为房主提供有限的帮助,以确保他们的住所安全, sanitary, and functional.
- Homeowners who have the means to take out a loan, 还能得到政府支持的贷款来全面修缮他们的房子吗.
- Replace personal belongings, and
- Assist with other expenses caused by a disaster.
- Additional Resources
Renter, Homeowner, and Small Business Loans
- SBA disaster loans are available for small businesses, nonprofits, homeowners, 还有因为灾难而经历经济困难的房客.
- For SBA loans, 申请人不必等到保险理赔完全解决后才提出申请.
- You can apply for Physical Disaster Loans, Home and Personal Property Loans, and Economic Injury Disaster loans.
- For personal property, renters and homeowners may borrow up to $40,000 to repair or replace clothing, furniture, cars, or appliances damaged or destroyed in the disaster.
- For homeowners, you may apply for up to $200,000美元用于修复或更换您的主要住所,使其恢复到灾前状态.
- 因为截止日期因贷款类型而异,所以请立即申请. 你不需要在申请之前等待收到提交给保险公司的索赔的回复.
- Resources
2020 Tax Return Deadline Extended
- Due to Winter Storm Uri being declared as a disaster, 美国国税局允许将提交2020年纳税申报表的期限延长至6月15日th, 2021 for the entire state of Texas. This deadline applies to:
- 2020 business returns due on March 15th
- 2020年个人和企业申报表通常在4月15日到期
- 第四季度预计应在4月15日缴纳税款th
- 季度工资和消费税申报表通常在4月30日到期th 2021, and
- 按日历年运作的免税组织,2020年报税截止日期为5月17日th, 2021
- In addition, 2月11日或以后应缴的工资税和消费税押金的罚款, 2021, and before February 26, 2021, 如果在2月26日之前缴纳税款,会减少吗, 2021
- You will also have until June 15th to make 2020 IRA contributions.
- Casualty Losses
- 德克萨斯州是联邦宣布的灾区,这意味着你可以在今年(2021年)或前一年(2020年)的纳税申报表上申报与灾害有关的伤亡损失。.
- 个人可以扣除不属于保险或其他报销范围的个人财产损失.
- 如果你不住在德克萨斯州,但受到这场风暴的影响,你可以查看 current list of eligible localities.
- Resources
Other Resources
- For our Austin clients:
- 奥斯汀市议会批准了1000万美元的紧急法案救济, effective immediately, 针对因冬季风暴Uri和COVID-19而遇到财务困难的客户.
- 4月26日之前,居民用水价格将会下调th,以帮助减轻因超过正常用水量而产生的高额账单.
- 3月19日以后,你可以申请一次性10美元的电费抵免th.
- 滞纳金将从2月12日起暂时取消th for all residential customers.
- Check out austintexas.gov to find out more.
Give us a call, we are here to help.