Tropical Storm Fred Residential Recovery If your home or property was damaged by Tropical Storm Fred and you have not received assistance from insurance or federal disaster recovery, the State now has additional disaster recovery programs that may be able to offer additional support. We can help even if you received limited help from FEMA or your insurance company. We can help if you live in one of the following counties: Avery, Buncombe, Haywood, Henderson, Madison, McDowell, Mitchell, Rutherford, Transylvania, Watauga, or Yancey. Contact us today! TSFred@nc.gov(844) 935-1744Also apply online About the program Application Process Contact Us Frequently Asked Questions Eligibility Download the guide to the program and office locations. About the program The Tropical Storm Fred Residential Recovery Program (RPP) may provide assistance to: Repair, elevate, reconstruct, or replace homes destroyed by TS Fred (August 2021); Reimburse homeowners for eligible completed repairs; Assist landlords in repairing rental units; Help repair or replace private roads or bridges damaged/destroyed by TS Fred. Home acquisitions or buyouts are not approved under the RRP program. Separate state and county information will be available soon for those who prefer home buyouts. Homeowners are encouraged to apply to all recovery programs that may help. You may be able to participate even if you received funds from other sources, including FEMA, SBA loans, private bank loans, or credit cards, to repair your home, road and/or bridge. This program may be able to provide additional funds, or reimburse you, to repair your home, private road or bridge of damage caused by TS Fred. If you used other funds to make temporary emergency repairs to fix structural, heating, ventilation, air conditioning, or safety needs to make your home habitable and safe, these payments may also qualify for reimbursement. The following are ineligible costs or expenses under the State RRP: Any damage not caused by TS Fred; Any damage caused by any failure to maintain a home, private road, or private bridge prior to TS Fred; Any upgrade or additions to finishes, fixtures, appliances, or construction that were not originally part of the damaged home, private road, and/or private bridge; or Replacement of lost personal property. Eligibility criteria for the Tropical Storm Fred Residential Recovery Program Requirements to be eligible for assistance under this program: Your home must have been damaged by Tropical Storm Fred and its associated weather events. Your total household income must be at or below $94,100 a year (defined as your 2020 or 2021 Adjusted Gross Income [AGI]. Click this link for more on income limits). You must have occupied the damaged home as a primary residence at the time of the disaster. You must have owned the damaged home at the time of the disaster, and you must still own the home. Damaged bridges/culverts/roads must be privately owned and essential for vehicle access. You must be a full-time resident of North Carolina and a United States citizen, legal permanent resident of the United States, have other lawful status to live in the United States (e.g., have a special visa), or you are a parent or guardian of any child who was under the age of 18, resided in the home at the time of the disaster, and who is a citizen of the United States. The damaged home, private road, or private bridge is located in Avery, Buncombe, Haywood, Henderson, Madison, McDowell, Mitchell, Rutherford, Transylvania, Watauga, or Yancey Counties. If you are a renter and need help you can contact OSBM by email at TSFred@nc.gov and tell us about the disruption caused by the storm. Please be aware that due to program funding limits, OSBM reserves the right to prioritize and expedite approval of recovery support to those most severely impacted by the storm, families living in unsafe conditions, or very low-income applicants. State funds cannot be used to repair the same damage twice or to duplicate funding from other federal or insurance sources. If you feel you may be eligible, apply now! Still unsure? Read our Frequently Asked Questions or contact us. Frequently Asked Questions Does the program cover or support repairs to business properties? No. State law prohibits this program to support repairs to retail, commercial and related for-profit business properties. This is primarily a homeowner focused program with limited funding to assist landlords to repair residential rental units that had tenants displaced by TS Fred. On a case-by-case basis, we may also have limited funding to repair private road and bridges that serve business or commercial properties. If I used other funds (e.g. private bank loan, credit cards, personal savings) can I get reimbursed? Yes, subject to OSBM's reservations above, your use of alternative sources of private funds may be the fastest way to get your repairs started. You will have to complete a program application form, meet eligibility criteria noted above, and keep copies of receipts and organized records (ex. cashed checks) of expenses you incurred in repairing your home. You must also be prepared to document the following: Your home insurance does not cover the damage sustained during TS Fred; Any insurance claim proceeds will not cover all the costs of all needed repairs, in which cases State assistance may cover the balance of costs not covered by your insurance; You used your insurance proceeds to repair damage caused by TS Fred; The amount of assistance you received from the FEMA’s Individual Assistance Program and, if received, your use of that assistance in repairing your home, private road, and/or private bridge and any remaining balance you have to pay for additional repairs to your home; and/or Any assistance you may have received from any nonprofit volunteer group active in disasters (e.g., Baptist on Mission, United Methodist Church Recovery, United Way, Mountain Projects, etc.) that provided any materials, labor, and/or funds to help you repair your home from damage caused by TS Fred. Does this program cover second homes or investment properties? Only in limited circumstances if the owner is a landlord whose rental property was damaged by TS Fred and the tenant(s) living at the rental property were displaced as a result of TS Fred. If there are funds remaining after the unmet needs of owners whose primary residences were damaged by TS Fred, or additional housing recovery funds become available, secondary homes and/or investment properties may become eligible for reimbursement of repair costs and/or repair assistance, but any such assistance will be made available only to North Carolina residents. More details on program support for these types of homes will be available in late 2022 or early 2023. Make sure you keep copies of receipts, canceled checks and other organized records of your repair expenses. What types of properties are eligible to receive assistance? Eligible property types include single-family homes, modular homes, manufactured home units (mobile homes), duplexes, condos and townhomes, and private roads, bridges and culverts that primarily serve residential properties. Ineligible structure types include foreclosed homes, detached structures (such as a garage, barn or shed), and structures used exclusively for business purposes. I may not be able to secure a bank loan. Can you help with repairs? Yes, we can support you through a residential rapid repair program (Rapid Repairs) where you find building contractors you prefer using the following process and share that the contractor quotes or contracts with us. Owner Rapid Repair Program Size of Repair Under $15,000 $15,000 - $29,999 $30,000 - $70,000 Information needed Need copy of at least 1 contractor quote (get this first!). Complete program application with copy of driver’s license and social security card Sign form you will use funds only for TS Fred repairs and you understand penalties for misuse of funds. Need copy of 2 contractor quotes (get those first!). Complete program application with copy of driver’s license and social security card Sign form you will use funds for tropical storm only repairs and you understand penalties for misuse of funds. Need copy of 2 contractor quotes (get those first!). Complete program application with copy of driver’s license and social security card Sign form you will use funds only for TS Fred repairs and you understand penalties for misuse of funds. How to get first payment You are issued an award letter. We can then approve and mail you a check up to $15,000 to complete repairs to your home. You are issued an award letter. We can then approve and mail you a check up to $15,000 to start repairs to your home You are issued an award letter. We can then approve and mail you a check up to $15,000 to start repairs to your home How to get additional payments Provide a copy of cancelled first check to contractor. Contractor signs form describing TS Fred repairs Provide a copy of each cancelled check to contractor. Contractor signs form describing TS Fred repairs Contractor submits a copy of building permits and related records, their license and insurance information PLEASE NOTE! For repairs over $70,000, the Residential Recovery Program (RRP) may competitively procure a contractor to repair the home and, in some cases, demolish the damaged homes and construct a new home from a catalog of approved home plans that owners may select from with similar room configurations and size. The RRP may also finance owners repairs or major damage or to construct a new home. However, major repair projects and reconstruction of homes have maximum project limits, but the State does not guarantee any Homeowner an exact replacement of the home that was lost. ALL REPAIR AND RECONSTRUCTION PROJECTS WILL REQUIRE OWNERS TO PURCHASE FLOOD INSURANCE AND/OR HOMEOWNER’S INSURANCE AS DETERMINED BY THE DAMAGED CAUSED BY TS FRED. The State and/or local unit of government may offer an owner a hazard mitigation buyout or acquisition because: (a) the owner’s home would sustain significant damage from another flooding event; (b) site conditions do not allow for reconstruction of the home on the property, and/or elevating the home is not a viable option. If an owner is offered a buyout or acquisition option, the owner may be eligible for additional assistance from the State Acquisition and Relocation Fund that may provide up to $5,000 for relocation cost or closing costs on a replacement home, and up to $50,000 to purchase a replacement home outside a 100-year floodplain or identified flood or land slip hazard area. Can you tell me more about the household income limit? As with other disaster recovery programs administered by the State of North Carolina, the Tropical Storm Fred Recovery Program will use your household’s Adjusted Gross Income (AGI) reported to the Internal Revenue Service to determine income eligibility. A “household” includes all individuals over the age of 18 who live at the damaged home and received any income during the 2021 tax year. Generally, your income (AGI) can be found on IRS 1040/1040-SR forms line 11 for 2020. To be eligible for assistance from the Tropical Storm Fred Recovery Program, your household AGI(s) must be at or below $94,100. The Program has discretion to make exceptions or provide waivers for compelling reasons for applicants who may have AGIs that exceed the $94,100 limit, so we encourage all interested homeowners to apply for consideration. For households not required to file an IRS 1040/1040-SR, the Tropical Storm Fred Recovery Program will review any income statements provided by the U.S. Social Security Administration or applicant’s W-2s and W-2s of adult members of the household. If my household’s AGI is over $94,100 and we qualify for an exception or waiver, what type of assistance may my household receive from the Tropical Storm Recovery Program? In most cases, the Tropical Storm Recovery Program will offer assistance not to exceed $35,500, which is the maximum benefit under the FEMA Individual Assistance Program. If an applicant’s home sustained major damage during Tropical Storm Fred or its associated weather events, or it is not safe to occupy, the Tropical Storm Fred Recovery Program may waive the $35,500 limitation. If your family has an AGI which above the program limit then you will be required to provide information on efforts and steps made to cover losses or needs before requesting assistance under this program as required by Section 5.9A.(e) of Session Law 2021-180.