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FEMA assistance and insurance deductibles

Do I have to file a claim with my insurance company since I have to pay a deductible? Why can't FEMA just help me?

FEMA is prohibited by law from duplicating benefits when other resources are available, but FEMA may be able to assist with uncompensated losses or unmet needs not covered by your insurance company. If you have not already filed a claim with your insurance company, we encourage you to do so as soon as possible.

If you do not file a claim with your insurance company, FEMA assistance may be limited. If your insurance company tells you your insurance deductible is greater than the amount of damage found, please request a letter from your insurance company on company letterhead. Once you receive it, please fax it to 1-800-827-8112 or you may physically mail your documents to:

FEMA - Individuals & Households Program
National Processing Service Center
P.O. Box 10055
Hyattsville, MD 20782-8055

Please remember to include your name, last four digits of your social security number, disaster number and registration number on every page and keep a copy for your records. Submitting these documents does not guarantee assistance.

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Last Updated: 
Mon, 06/24/2013 - 21:22