What Is FEMA And How Does It Work?
FEMA can help individuals recover after they have been impacted by a major natural disaster. If you live in an area that has been declared a disaster zone and have expenses not covered by your insurance, then you may be able to apply for and receive Disaster Assistance. There is a limited time to apply after a storm hits, so you need to know how this program works ahead of time and what it provides.
The Disaster Assistance program does not provide immediate relief, although there are some ways that the government can help you. For instance, FEMA can assist you in finding:
- Medical assistance
- Temporary shelter
- Trusted relief partners
If you have lost your home due to a presidentially declared disaster, FEMA can help you. Whether you are a renter or homeowner, the Disaster Assistance program can help cover any damage that your insurance company did not pay for. This includes structural damage, essential household items, vehicles, and storm clean up assistance. However, this only applies to your primary residence. This program will not pay for any damage caused to your secondary residence.
After you apply for assistance, the evaluation process will begin, starting with an onsite home inspection. After you report your damage, you will promptly be contacted to schedule your inspection. This visit will simply check for flood, wind, or other types of damage. If your damaged property was insured, you will need to submit a copy of your insurance settlement or denial before you can schedule your home inspection. After your inspection, the agency will decide if you need relief. If you qualify for assistance, you will receive a check or a direct deposit and a letter explaining how you are to use the money.
Dealing with flooding and other damages from a storm can be a stressful time. Fortunately, the Disaster Assistance program can provide immediate services and financial relief for your primary residence.