The criteria for a Physical Disaster Declaration is at least 25 homes and/or businesses each having suffered at least 40 percent of uninsured losses.
Major damages to homes (including rentals) and businesses (including home-based) will be considered. A SBA Physical Disaster Declaration would bring in SBA’s low-interest disaster loan program to eligible homeowners, renters, and businesses.
Please complete and return the Damage Survey to the Town of Mammoth Lakes (see below).
The damage definitions below can help identify the level of physical damage:
Destroyed: Building/item is a total loss or is damaged to the extent that it is not usable and not economically repairable. No longer is existence, or sustaining greater than 75% uninsured damage. For example, if a home is moved off its foundation or has been flattened, it would be considered destroyed.
Major Damage: Building/item is damaged to the extent that it is no longer usable and may be returned to service only with extensive repairs. Not habitable, unsafe, or sustaining between 40 and 75% uninsured damages. For example, a home has been flooded and the water level was high enough to severely impact the electrical outlets, or the roof has blown off or collapsed allowing heavy rains to damage the inside of the home.
Minor Damage: Building/item is damaged and may only be used under limited conditions, but may be restored with minor repairs. For example, water has entered the home damaging floors and carpets however the water level does not impact the electrical outlets.
Affected (Buildings only): Some damage to structure and/or suspected damage to necessary appliances. Structure is usable without repairs with loss of ingress/egress (high water, bridge or road wash out), unsafe conditions (sewage, non-potable water, no utilities); or threat from slides, erosion, etc. For example, some damage to property could include leaks in windows or roof, accessibility of the property, or power outages.