What To Expect After You Apply
Once homeowners register with the Federal Emergency Management Agency, a FEMA housing inspector will call to schedule an inspection for those living in designated counties. Here’s what survivors need to know about the inspection process:
Everyone should know:
- The FEMA inspector will show a photo ID badge.
- If you are not shown photo identification, then do not allow the inspection.
- If you suspect someone is posing as a FEMA inspector, call your local law enforcement agency.
- You may receive visits from more than one inspector. Other inspectors may represent federal, state, parish and local government agencies, the U.S. Small Business Administration, the National Flood Insurance Program and/or insurance companies.
- Representatives of volunteer agencies may contact you to offer their services.
Before the FEMA inspection, it’s important that you know:
- An adult 18 or older who lived in the residence before the disaster must be present for the inspection.
- That person must have the following documents:
- Photo identification;
- Proof of ownership and occupancy of the damaged residence such as: property tax bill; mortgage payment bill or receipt, or utility service bill;
- Homeowner and vehicle insurance documents;
- List of persons living in residence at time of disaster that you compiled; and
- List of disaster damage to the home and its contents that you compiled.
Most important to know:
If you have questions, FEMA’s toll-free telephone numbers operate from 7 a.m. to 11 p.m. (local time) seven days a week until further notice
How to Help
When disaster strikes, every little bit helps. To make the most of your contributions, please follow our guidelines to learn the most effective and safest ways to donate cash, goods, or time following a disaster.
- Cash is best. Financial contributions to recognized disaster relief organizations are the fastest, most flexible, and most effective method of donating. Organizations on the ground know what items and quantities are needed, often buy in bulk with discounts and, if possible, purchase through area businesses which supports economic recovery.
- Confirm donations needed. Critical needs change rapidly – confirm needed items BEFORE collecting; pack and label carefully; confirm delivery locations; arrange transportation. Unsolicited goods NOT needed burden local organizations’ ability to meet survivors’ confirmed needs, drawing away valuable volunteer labor, transportation, and warehouse space.
- Connect to volunteer. Trusted organizations operating in the affected area know where volunteers are needed, and can ensure appropriate volunteer safety, training, and housing.
Monetary Donations – The One SC Fund supports & directs funds to nonprofit organizations providing disaster relief & recovery assistance. yourfoundation.org/community-impact/one-sc-fund-sc-flood-relief/
Volunteer Opportunities – First consider volunteering within your own networks, such as churches or civic groups. If you are not affiliated with a group, please register at VolunteerSC.org to be matched with appropriate opportunities & training.
SC Voluntary Organizations Active in Disasters (SCVOADs) – Additionally, consider making a direct donation to or finding local volunteer opportunities with relief organizations listed at the SC Emergency Management Division website below.
Clothing & Food – Please take these donations to charitable organizations in your community. You can confirm most-needed food items by contacting the South Carolina Food Bank Association. scfoodbankassociation.org
For updates & additional information, please call 1-888-585-9643, or visit scemd.org/recovery-section/donations-and-volunteers.
Filing a Flood Insurance Claim
If you have experienced a flood, you can file your flood insurance claim by following these three steps.
STEP ONE: NOTIFY YOUR INSURER TO START THE CLAIMS PROCESS
After experiencing a flood, contact your agent or insurance company to file a claim. Make sure you have the following information handy:
- The name of your insurance company
- Your policy number
- A telephone and/or email address where you can be reached at all times
An adjuster should contact you within a few days of filing your claim. If you do not hear from an adjuster, please contact your insurance agent or company again. Find your company’s toll-free phone number.
STEP TWO: DOCUMENT THE DAMAGE
Separate damaged from undamaged property. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate.
- Take photographs of all of the damaged property, including discarded objects, structural damage, and standing floodwater levels.
- Make a list of damaged or lost items and include their date of purchase, value, and receipts, if possible.
- Officials may require disposal of damaged items so, if possible, place flooded items outside of the home.
STEP THREE: COMPLETE A PROOF OF LOSS TO SUPPORT YOUR CLAIM
Your adjuster will assist you in preparing a Proof of Loss (which is your sworn statement of the amount you are claiming including necessary supporting documentation) for your official claim for damages. You'll need to file your Proof of Loss with your insurance company within 60 days of the flood. You'll receive your claim payment after you and the insurer agree on the amount of damages and the insurer has your complete, accurate, and signed Proof of Loss.
Find out more about filing your claim.
Frequently Asked Questions About Flood Insurance (Video)