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Are You a Disaster Survivor With Insurance? Register With FEMA!

Release date: 
September 13, 2011
Release Number: 

FRANKFORT, Ky. -- If insured, many residents of Bell, Knox and Perry counties may have already notified their insurance company about their loss or damages resulting from the June 19-24 storms. Those same insured homeowners and renters can, and should, register for FEMA disaster assistance too.

"Kentuckians affected by this disaster may find they are underinsured or their policy does not cover rent money needed while repairing or rebuilding their home," said John Heltzel, director of Kentucky Emergency Management and commonwealth coordinating officer for Kentucky. "Don't wait for your insurance settlement before registering with FEMA because you could miss out on disaster funds you may be eligible for."

Once registered, each application is reviewed by FEMA. If an insured applicant expects their insurance policy to cover storm-related loss and damages, they are mailed a "Request for Information" letter. The letter details additional information to support the applicant's need for federal disaster assistance. It also explains FEMA's "Other Needs Assistance,” how to qualify for these funds, and what information or documentation is needed to determine eligibility.

"Don't forget to call FEMA to update your application after you have settled with your insurance company," said Federal Coordinating Officer W. M. Moore. "Even if you are insured, your policy may not cover everything. Updating FEMA with insurance information could mean you are eligible for additional assistance funds."

People who work or live in Perry, Knox and Bell counties and were affected by the June storm should register with FEMA. Disaster assistance funds are provided to eligible survivors in the form of grants that do not have to be repaid.

There are several ways to register with FEMA:

  • Call 800-621-FEMA (3362) or TTY 800-462-7585 from 7 a.m. to 10 p.m. For 711 or Video Relay Service (VRS) call 800-621-3362. Operators are multilingual. Calls are answered from 7 a.m. to 10 p.m. CST, seven days a week until further notice;
  • Online at;
  • By smartphone or tablet, use;
  • FEMA's App for android phones can be downloaded at; or
  • Visit a disaster recovery center. Click here to find the locations in Kentucky.

Some applicants may receive an application from the U.S. Small Business Administration in the mail for a low-interest disaster loan. If a low-interest loan is offered to an applicant, they are not required to take out the loan if they do not want or need it. However, it is important to return the SBA loan application because it may open the door to other assistance.

For additional information about SBA's low-interest disaster loans call 800-659-2955, TTY 800-877-8339 or online at Applicants also may apply online using SBA's secure web site at

Additional information about this disaster is available at and

Last Updated: 
July 16, 2012 - 18:46
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