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Myths And Misunderstandings About Disaster Assistance

Release date: 
April 11, 2006
Release Number: 

SPRINGFIELD, Ill. -- Misinformation and misconceptions may discourage eligible individuals from seeking disaster assistance from the Department of Homeland Security's Federal Emergency Management Agency (FEMA).

Homeowners, renters, and business owners who suffered damages as a result of the March 11-13 severe storms and tornadoes, which struck central Illinois, should apply for assistance immediately by calling 1-800-621-FEMA (3362), TTY 1-800-462-7585. Both numbers are available 8 a.m. to 6 p.m., seven days a week until further notice; multilingual operators are also available. People also may register online at FEMA’s user-friendly website:

"There are many common misconceptions that should simply be ignored," said Ron Sherman, Federal Coordinating Officer. "Residents should call and get accurate information."

Some of the myths heard in past disasters include:

I received help from a previous disaster so I'm not eligible.
Not true. Every disaster is considered separately. When you call to register a specialist will evaluate your application for the current disaster.

I have insurance, so there is no other help available.
Not true. FEMA and SBA will not duplicate insurance benefits, but you may be eligible for help with losses not covered or damage in excess of your coverage. That's why it's important to register for assistance even while you are working with your insurance company to assess your insurance coverage.

I rent an apartment. I can't get help.
Not true. There are several types of assistance available to renters. One type of grant may help a renter with temporary housing needs if they have to move because of disaster damage or loss. Another type of grant is available to an eligible individual or family with serious, disaster-related needs and necessary expenses that are not covered by insurance or other disaster assistance programs. A renter may also qualify for an SBA low-interest disaster loan.

I have to wait for my insurance adjuster before I apply for disaster assistance.
Not true. Don't wait for an adjuster before applying for aid or making necessary repairs to make your house livable. However, you should find out what your policy covers, and be sure to keep papers and receipts for any work.

I already repaired my home. I don't need to apply.
Not true. You might qualify for reimbursement of expenses not covered by insurance.

I received help from the Red Cross, so now I can't get help from FEMA.
Not true. FEMA coordinates a number of programs to help disaster victims. These programs are different from the emergency food, clothing and shelter initially provided by the Red Cross and other voluntary agencies.

I received help from the Red Cross, so I'm already registered with FEMA.
Not true. Registration with the Red Cross is not the same as registration with FEMA.

I have to be turned down by my bank before I can apply for a disaster loan.
Not true. The U.S. Small Business Administration (SBA), which handles low-interest disaster loans, has its own criteria for determining each loan applicant's eligibility. The SBA will decide whether or not you are able to repay a loan. If you are not qualified for a loan, you may be eligible for a FEMA grant, but it is necessary to go through the SBA application process first.

I must own a business to apply for a loan from the SBA.
Not true. Based on the type and extent of "uninsured" or "underinsured" disaster-related losses and damages, individuals may be eligible for low-interest loans for home or personal property loss...

Last Updated: 
July 16, 2012 - 18:46
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