Cross Reference: Insurance Deductible; Time Extension
Summary: The subgrantee is requesting reimbursement of $10,000 for the insurance deductible for repairs to the foundation of the Boundary County Beef Barn. The incident period for the disaster closed on February 23, 1996. The subgrantee did not become aware of the damages to the Beef Barn until May 13, 1996, and filed a notice of loss with their insurance carrier on June 5, 1996. On March 5, 1997, the subgrantee notified the grantee of the damage to the Beef Barn. On
April 29, 1997, the grantee requested that FEMA prepare a DSR to fund the insurance deductible. FEMA prepared DSR 37200 and on May 30, 1997, informed the grantee that the DSR was not eligible because the damages had not been reported within 60 days of the initial inspection. On October 22, 1997, the grantee forwarded the subgrantee's first appeal to the Regional Director requesting reimbursement of the deductible. The Regional Director upheld the determination of ineligibility. In the second appeal transmittal, the grantee argues that the subgrantee was not provided with comprehensive eligibility guidelines to properly assess that insurance deductibles may be eligible. The subgrantee claims they were not aware that FEMA reimbursed insurance deductibles until
January 31, 1997.
Issues: Has the subgrantee demonstrated extenuating circumstances justifying the submittal of a request for reimbursement more than one year after the initial site visit?
Findings: No. The circumstances identified by the grantee do not justify an exception to regulatory time limit for identifying additional damages. The grantee is responsible for informing the subgrantee of all assistance available following a disaster.