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Possibly.
If you have not already contacted your insurance agent to
file a claim, please do this as soon as possible. Failure to file a
claim with your insurance company may affect your eligibility for
assistance. After filing a claim, if any of the following situations
occur FEMA may be able to provide some assistance:
- Your
insurance settlement is delayed.
Delayed means a decision on your insurance settlement has been delayed
longer than 30-days from the time you filed the claim. If a decision on
your insurance settlement has been delayed, you will need to write a
letter to FEMA explaining the circumstance. You should include
documentation from the insurance company proving that you filed the
claim. If you filed your claim over the telephone, you should include
the claim number, date when you applied, and the estimated time of how
long it will take to receive your settlement. Any help awarded to you
by FEMA would be considered an advance and must be repaid to FEMA once
an insurance settlement is received.
- Your
insurance settlement is insufficient to meet your disaster-related
needs.
If you have received the maximum settlement from your insurance and
still have an unmet disaster-related need, you will need to write a
letter to FEMA indicating the unmet disaster-related need. You will
also need to send in documentation from your insurance company for
review.
- You
have exhausted the Additional Living Expenses (ALE) provided by your
insurance company.
If you have received the maximum settlement from your insurance for
Additional Living Expenses (Loss of Use) and still need help with your
disaster-related temporary housing need, write a letter to FEMA
indicating why you continue to have a temporary housing need. You will
also need to provide documentation to prove use of ALE from insurance,
and a permanent housing plan.
- You
are unable to locate rental resources in your area.
The FEMA Helpline has a list of rental resources in the disaster area.
If no resources are available in your county, then the Helpline agent
can provide you with resources in an adjacent county.
You
have up to twelve (12) months from the date you registered with
FEMA to submit your insurance information for review. By law, we cannot
provide money to individuals or households for losses that are covered
by insurance.
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