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Report Insurance Settlement: FEMA Letter Not Always Last Word

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Release date: 
April 16, 2012
Release Number: 

INDIANAPOLIS, Ind. -- The Federal Emergency Management Agency (FEMA) and the Indiana Department of Homeland Security (IDHS) emphasize the importance of filing storm-related insurance settlement information with FEMA. Reporting expenses covered by insurance is a required step to apply for FEMA aid to help recover from severe storms that impacted Clark, Jefferson, Ripley, Scott, Warrick and Washington counties from Feb. 29 through March 3.  

A “no decision” letter from FEMA is not always the last word.

A letter from FEMA stating a decision has not yet been made about an application is not necessarily the last word. It may simply mean additional information is required, such as insurance settlement information. Hoosiers may have received such a letter because they still need to file their storm-related insurance settlement details to FEMA. Each applicant is considered on a case-by-case basis. Every storm-impacted resident should follow up with FEMA to learn the specifics of his or her individual case.

A delay in submitting insurance settlement information can delay FEMA inspection. 

Reporting insurance coverage helps continue the FEMA application process. Generally, not until insurance settlement information is provided can a visit from an inspector be scheduled. Waiting to submit insurance information can delay the inspection, which will pause the application process.

Hoosiers who have not yet received their insurance settlement may contact FEMA online or through the FEMA toll-free help line to explain their situations. Individuals should be prepared to provide to FEMA:

  • documentation from the insurance company proving the claim has been filed;
  • a claim number;
  • the date of application; and
  • the estimated time required to receive the settlement.

Any help awarded in advance by FEMA that is duplicated by the settlement must be repaid to FEMA once an insurance settlement is received.

While the law forbids federal payment for loss covered by insurance, financial aid may be provided for loss not covered. Hoosiers affected by recent storms are encouraged to follow up with FEMA to determine their eligibility, even if they think they will not qualify for assistance.   

How to report insurance settlement

Applicants may mail in their insurance settlement information to:

The Federal Emergency Management Agency
P.O. Box 10055
Hyattsville, MD 20782-8055

Insurance settlement information may also be faxed to: (800) 827-8112.

Register with FEMA now

It is important to register with FEMA now. Occasionally, the insurance settlement process may take several months before it is final, perhaps until after the registration period has ended. To be considered for federal assistance, residents must apply before the May 8 deadline, even if the insurance claims process is not complete.

To register, applicants may call FEMA’s toll-free registration and help line number. The number is (800) 621-FEMA (3362). For speech- or hearing-impaired applicants, the TTY number is 1-800-462-7585 and Video Relay Service may be accessed at 1-800-621-3362. These lines are open from 7 a.m. to 10 p.m. seven days a week. Register online at or; by smart phone or tablet at

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.

Last Updated: 
July 16, 2012 - 18:46
State/Tribal Government or Region: 
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