Review Your Application
Proof of Occupancy
If you have insurance, you should file a claim with your insurance company when you apply for FEMA assistance. FEMA cannot aid with losses already covered by insurance. If your insurance does not cover all your losses or is delayed, you may be eligible for FEMA assistance regarding your unmet needs.
If your primary residence was damaged by the disaster and is not livable, sanitary and safe, you may be scheduled for a home inspection to verify damage. Based on your preference indicated at the time of your application, you will receive either a letter or electronic correspondence. The letter will explain whether you are eligible for assistance, how much assistance you will receive, how the assistance must be used, and how to appeal FEMA’s decision if you do not agree with it.
Your assistance will be determined by comparing your recorded essential losses and serious needs to the types of assistance available within FEMA programs and services. FEMA assistance is not the same as insurance nor can it make the survivor whole. Federal assistance from FEMA only provides funds for the basic repairs to make a home safe, sanitary and livable. You may also be referred to the U.S. Small Business Administration (SBA) for low-interest disaster loans to further assist with your recovery.
Reviewing Your Application on DisasterAssistance.gov
You can create an online FEMA Disaster Assistance Center (DAC) account at DisasterAssistance.gov. You will be instructed to create a unique Personal Identification Number (PIN) for secure access to your disaster assistance application information.
Within your online account, you can:
- Review your disaster assistance application information
- Provide updates pertaining to your personal information and needs
- View letters and messaging sent to you by FEMA
- Get details on additional documents that FEMA needs to process your assistance
- Upload documents your file
- Review information that FEMA has received from you
Home Ownership/Occupancy Verification
FEMA is required by law to verify an applicant's home occupancy and to verify homeownership if you are applying for certain types of housing assistance.
View Approved Documents
If FEMA is unable to verify your identity during the application process, you will be required to submit supporting documents.
Supporting Documents for Identity Verification
Documentation to verify your identity*
- Documentation from the Social Security Administration, or other federal entity, containing full or last four digits of your Social Security Number (SSN)
- Social Security card if sent with federal or state-issued identification
- Employer’s payroll document containing full or last four digits of your SSN
- Military identification
- Marriage license to confirm proof of maiden name
- U.S. passport
*On a case by case basis FEMA may allow applicants residing in U.S. territories to submit specific identity verification documents, such as voter registration cards, etc.
If you applied for assistance on behalf of a U.S. minor (child) citizen for your household, you must send FEMA the following:
Any of the documents listed to the left, if in the child’s name OR
Child’s birth certificate AND a copy of the child’s Social Security card or documentation from the Social Security Administration, or other federal entity, containing the full or last four digits of the child’s SSN.
You can visit DisasterAssistance.gov to submit documentation and check the status of your application online.
Realizing an online system alone may not meet the needs of survivors, FEMA also set up Documentation Drop-off Centers where survivors can apply for assistance, ask questions, have their documents scanned into their case file and returned to them on-site. The centers operate under strict COVID-19 protocols. Masks or face coverings are required for service and survivors remain in their cars while a FEMA specialist answers questions and handles paperwork.
Find a Disaster Recovery and Document Drop-off Center
Video: FEMA’s Document Drop Off Centers Assist Michigan Disaster Survivors
Watch a video to see an example of one of our document drop-off centers, which have been set up to be able to continue to safely provide services to applicants during this pandemic who may not have access to internet.
After you apply with FEMA, your request for assistance is reviewed to determine if an inspection is needed to verify disaster-related damage to your home and personal property. To protect the health of survivors and inspectors in a COVID-19 environment, as of June 2, 2021, FEMA will conduct exterior inspections until further notice. All inspections will be conducted in-person without entering your residence. Inspectors will maintain social distance, visually assess the exterior of the residence, and verbally confirm interior damage over the phone.
If you reported during the application process that you received minimal damage and can live in your home, you will not automatically be scheduled for a home inspection. Instead, you will receive a letter explaining how to call the FEMA Helpline to request an inspection if you find significant disaster-related damage to your home after you applied.
For initial inspections, FEMA inspectors contact applicants to meet at the address where the damage was reported. During the meeting, inspectors follow social distancing guidelines. The inspector validates damage from the exterior of the home and from questioning the applicant about their damage. The inspector will not enter the home.
Exterior inspections provide a way to evaluate damages while complying with social distancing requirements.
Download the inspection fact sheet.
Information to Gather for Your Inspection
You should have the following information ready at the time of the inspection:
- Your photo identification
- List of household occupants living in the home at the time of disaster
- All disaster-caused damages to both real and personal property
FEMA inspectors are trained to recognize damage caused by a disaster, but they do not decide if you will receive assistance. They observe and record damage that may be eligible within the Individuals and Households Program, which is different from assessments made by insurance adjusters or other disaster assistance programs, such as the U.S. Small Business Administration. Please keep in mind that FEMA inspectors will not physically access your home.
If you receive a letter stating that you are ineligible for assistance or that your application is incomplete, you can still complete the application or appeal the decision within 60 days of receiving a decision letter. Learn more.