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Indiana Severe Storms And Flooding (DR-4363-IN)

alert - warning

This is an active disaster. Apply for assistance.

Incident Period: February 14, 2018 - March 4, 2018
Declaration Date: May 4, 2018

The deadline to register for assistance with FEMA was July 5, 2018.

If you have registered for assistance, FEMA encourages you to keep in touch to track your claim or to notify the agency of changes to your mailing or email addresses or phone numbers, and to report insurance settlements or additional damage you may have discovered since your home inspection.

Quick Links:

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:

A blue and grey graphic explaining what happens after you apply for assistance. It reads as follows: What to expect after you apply for FEMA aid. You may receive an application to apply for a low-interest long-term SBA loan. Completing the SBA loan application is an important step in finding out what aid may be available to you. As a homeowner you may borrow up to $200,000 to repair/replace your primary residence, and up to $40,000 to repair/replace personal property. You are not required to accept the loan in order to receive FEMA assistance, but it may enable you to be considered for additional types of assistance. An inspector will contact you to schedule a visit. Be ready to keep your scheduled appointment. Appointments take 30-40 minutes and you must be present. Contact your insurance agent if you have insurance. Prove your identity. Show these documents:-Photo ID: driver’s license or passport.-Proof of occupancy: lease or utility bill.-Proof of ownership: deed, title, mortgage payment book, or tax receipts.(*This is not an exhaustive list.) During the Inspector’s VisitInspectors will…-wear official FEMA ID badges.-confirm your disaster registration number.-review structural and personal property damages.-ask you to sign official documentation.-verify ownership and occupancy. Inspectors won’t….-determine eligibility.-cost any money.-ask for credit card information.-take the place of an insurance inspection. After the Inspector’s visit….You will be sent a decision letter. If approved for aid:-You will receive a check or an electronic funds transfer.-A follow-up letter will explain how the money can be used. If you have questions regarding the letter, you can visit a Disaster Recovery Center in your area (fema.gov/drc) or call us at 800-621-3362 (711/Video Relay Service). For TTY, call 800-462-7585.

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.

How to Appeal a FEMA Decision

Applicants have a right to appeal any FEMA decision.

Some survivors who registered for federal disaster assistance may have received a letter from the Federal Emergency Management Agency that says they are ineligible. The reason for the decision may be something that can be easily fixed, such as providing insurance documents or new contact information.

When survivors apply for individual disaster assistance through FEMA, their needs are assessed based on a number of factors, including eligibility requirements laid out under federal law.  Sometimes people do not qualify for financial help right away. Some of the reasons for an initial turn down can be:

  • You might not have gotten your insurance settlement;
  • You may not have given FEMA all the information we need;
  • You haven’t given us proof of ownership or residence;
  • You may not have returned the U.S. Small Business Administration (SBA) disaster loan application;
  • You may not have provided records that showed the damaged property was the primary residence at the time of the disaster;
  • You may not have signed essential documents.

Read your letter carefully. FEMA may only need you to provide additional information. Your appeal should include new or missing information, documents and damage repair estimates that support the appeal request. If it isn’t clear, or more information is needed, a specialist at the FEMA helpline at 800-621-3362 (voice, 711, video relay service) can help. TTY users can call 800-462-7585. The toll-free lines are open 7 a.m. to 11 p.m. seven days a week.

All appeals must be made in the form of a signed letter within 60 days of the date on the determination letter. It is important to date the appeal letter and mail it to the following address:

FEMA National Processing Service Center
P. O. Box 10055
Hyattsville, MD 20782-7055

Appeals may also be faxed to: 1-800-827-8112, Attention: FEMA. You can also call the helpline at 800-621-FEMA (3362) or TTY 800-462-7585 or visit a Disaster Recovery Center, where you can talk with someone about your particular case.

Everyone should read their letters carefully, ask questions, ask for help, and tell us if you think we got it wrong. We are here to serve you – the disaster survivor – and it is your right to ask us to reconsider our decision.

Disaster Recovery Resources

Mitigation Outreach in Indiana Home Improvement Stores

FEMA mitigation specialists will be on hand in various locations to answer questions and offer home improvement tips along with proven methods to prevent or reduce damage from future disasters as well as offer tips and techniques to build hazard-resistant homes. Most of the information and the free publications provided are geared to do-it-yourself work and general contractors. Recovery topics covered include flood insurance, elevating utilities and rebuilding flooded homes.

FEMA advisors will be available during the following days and hours:

Lowe’s Home Improvement
250 W. Ireland Road
South Bend, IN 46614

Thursday, July 12                                         8 a.m. to 6 p.m.
Friday, July 13                                              8 a.m. to 6 p.m.
Saturday, July 14                                          8 a.m. to 6 p.m.
Sunday, July 15                                             8 a.m. to 2 p.m.
Monday, July 16                                            8 a.m. to 6 p.m.
Tuesday, July 17                                           8 a.m. to 3 p.m.

Ace Hardware (Mishawaka Hardware & Paint)
510 N. Cedar St.
Mishawaka, IN 46545

Thursday, July 12                                         8 a.m. to 5 p.m.
Friday, July 13                                              8 a.m. to 5 p.m.
Saturday, July 14                                          8 a.m. to 4 p.m.
Sunday, July 15                                             closed
Monday, July 16                                            8 a.m. to 5 p.m.
Tuesday, July 17                                           8 a.m. to 3 p.m.

Free reference booklets with information on protecting a home from flood damage will be available. More information about strengthening property can be found at https://www.fema.gov/protect-your-property.

Two women wearing blue FEMA shirts stand behind a table filled with pamphlets describing ways disaster survivors can rebuild following the February flooding in 2018 in Indiana.

National Flood Insurance Program

Information about Loss Avoidance. NFIP flood insurance policyholders may be able to get up to $1,000 to help with protective measures taken to avoid flood damage when a flood is imminent.

National Flood Insurance Program. How to file a flood insurance claim. Report your loss to your insurance agent ASAP. Within 24-48 hours, an adjuster will call you to schedule an appointment. Tip: Photograph and move water-damaged items outside (to prevent mold), but don’t have them hauled away until an adjuster sees them. During the adjuster’s visit: The adjuster will: • Have official identification. • Take measurements and photos, and note direct flood damage. • Provide you with a local contact if any additional visits are needed. • Provide you with a flood certification number. • Provide you a suggested Proof of Loss, based on the assessment. The adjuster will not: • Approve or disapprove claims. • Tell you whether your claim will be approved. • Your policy number, insurance company info, and best way to be reached.• Lots of photos of your damaged property.• Documents related to damaged property. (i.e., contractors’ estimates, receipts). • Samples or swatches of carpeting, wallpaper, furniture upholstery, and window treatments. Be ready with: • Documents related to damaged property (i.e., contractors’ estimates, receipts, photos). • Your policy number and insurance company info. You can request an advance or partial payment, if needed. Submit the Proof of Loss: Review, sign, and send the Proof of Loss to your insurance company within 60 days after the loss. Request for Additional Payment: If you discover additional damage after filing your claim, or repairs cost more than estimated, you can file for additional payment. Contact your adjuster or insurance agent to start the process. Payment of Claims: Checks for building property are made out to the mortgage holder’s name.

Financial Assistance

Individual Assistance Amount
Total Housing Assistance (HA) - Dollars Approved $3,436,880.94
Total Other Needs Assistance (ONA) - Dollars Approved $446,749.14
Total Individual & Households Program Dollars Approved $3,883,630.08
Individual Assistance Applications Approved 1165
Public Assistance Amount
Emergency Work (Categories A-B) - Dollars Obligated $2,410,529.12
Permanent Work (Categories C-G) - Dollars Obligated $10,693,837.39
Total Public Assistance Grants Dollars Obligated $14,534,647.02
Hazard Mitigation Assistance Amount
Hazard Mitigation Grant Program (HMGP) - Dollars Obligated $2,558,898.30

News and Information

No articles have been tagged with this disaster.

Designated Counties (Individual Assistance)

  • Carroll (County)
  • Clark (County)
  • Dearborn (County)
  • Elkhart (County)
  • Floyd (County)
  • Fulton (County)
  • Harrison (County)
  • Jasper (County)
  • Jefferson (County)
  • Kosciusko (County)
  • LaPorte (County)
  • Lake (County)
  • Marshall (County)
  • Ohio (County)
  • Porter (County)
  • Pulaski (County)
  • Spencer (County)
  • St. Joseph (County)
  • Starke (County)
  • Switzerland (County)
  • Vanderburgh (County)
  • White (County)

Preliminary Damage Assessment Documents

Last updated September 23, 2020