This page explains several options for applicants with insurance coverage to be considered for disaster assistance.
You will need to contact your insurance company to file a claim as soon as possible following a disaster. 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 the claim settlement 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.