When your loss is in a declared national disaster area, it means that you can apply for federal aid. FEMA assistance acts as a safety net and is meant for uninsured or underinsured losses. A declared disaster doesn’t necessarily waive your deductibles or change your existing insurance policy.
As with any major loss, contact your Public Insurance Adjuster or you can file the claim with your insurer yourself. Either way, it must be in within 24-48 hours. If your losses are not fully covered by your private insurance, you can then seek federal help.
Did you have a loss in a disaster area? Take these steps
- Secure the property against further damage
- Contact your Public Insurance Adjuster
- Report the loss to your insurer
- Document everything with photos or videos
- Keep all receipts, including alternative lodging, meals, etc.
- If private insurance is not fully covering the loss, apply for FEMA
- FEMA does a settlement review which comes after your private insurer’s settlement info
Tips for accessing disaster assistance
- Register with FEMA: If your county is designated for Individual Assistance, apply on the FEMA Disaster Assistance portal at Disasterassistance.gov
- Understand the help: You may be eligible for grants to cover temporary housing, home repairs, or other disaster-related needs.
- Long-term rules: If you receive federal aid for home repairs in a high-risk area, you are legally required to purchase and maintain flood or hazard insurance for the property, moving forward.