To receive money for "Other than Housing Needs" that are the result of a disaster, all the following must be true:

• You have losses in an area that has been declared a disaster area by the President.

• You have filed for insurance benefits and the damage to your property is not covered by your insurance or your insurance settlement is insufficient to meet your losses.

• You or someone who lives with you is a citizen of the United States, a non-citizen national, or a qualified alien.

• You have necessary expenses or serious needs because of the disaster.

• You have accepted assistance from all other sources for which you are eligible, such as insurance proceeds or Small Business Administration disaster loans.