Disaster Assistance Through FEMA
Did You Know?
What’s more unfortunate is finding out that the damage caused by a disaster is not covered or will exceed your insurance policy limits. For those who find themselves in such a position, the Federal Emergency Management Agency (FEMA) offers assistance in the form of loans and grants that can be used to cover costs incurred as a direct result of a disaster.
Disaster Assistance through FEMA
Funds available for housing needs can be used for:
Temporary Housing: Helps with costs of rent while primary residence is uninhabitable.
Repair: Helps cover repair costs for damages to your primary residence not covered by insurance.
Replacement: Help with replacement costs not covered by insurance if your home was totally destroyed by the disaster.
Funds are also available for necessary expenses and serious needs caused by the disaster. This includes:
Disaster-related medical and dental costs, funeral and burial costs, and disaster-damaged vehicle costs.
Clothing, essential household items, tools required for your job, and necessary educational materials.
Fuels for primary heat source (heating, oil, gas)
Clean-up items (wet/dry vacuum, dehumidifier)
Moving and storage expenses related to the disaster.
In order to qualify for FEMA assistance:
Your losses must have occurred within a declared disaster area
You must file a claim with your insurance provider before applying for assistance.
Eligibility and restrictions vary so it is best to review aid options based on your own specific needs. For more information about FEMA assistance check out FEMA’s website or call 800-621-FEMA.