INSURANCE DOCUMENTS AN IMPORTANT PART OF FEMA APPLICATION PROCESS
[https://www.fema.gov/fact-sheet/insurance-documents-important-part-fema-application-process]


Release Date: 
Th10 28, 2021 

Homeowners and renters who have insurance and apply for disaster
assistance with FEMA must file an insurance claim as soon as possible.

If you applied with FEMA for disaster assistance for damage and losses
from the remnants of Hurricane Ida, you are required to notify FEMA of
all insurance coverage you may have including flood, homeowners,
vehicle, mobile home, medical, burial, etc.

If insured, you must provide documents that show your insurance
settlements or benefits before FEMA will consider your eligibility for
disaster assistance. Insurance provides more financial help than
disaster assistance grants. By law, FEMA cannot duplicate benefits for
losses covered by insurance.

Providing FEMA representatives with your insurance documentation can
move your application forward to determine if any losses not covered
by your insurance are eligible for reimbursement.

To help FEMA assess your application, documents from your insurance
company can include:

 	* Denial of your claim letter: proof that you are not covered under
your insurance company and policy.
 	* Settlement letter: what damage and property are covered by your
insurance policy.
 	* Delay letter: proof of no official decision by your insurance
company on your claim, and it has been more than 30 days from the time
that you filed your insurance claim.

FEMA determines what help you may be eligible for based on the
specifics of each application, including the documentation provided.

If you’ve received a letter saying you’re ineligible, additional
documents may be needed to change that status. It’s important to
read your letter carefully to understand FEMA’s decision so you will
know exactly what you need to do, which may just be to provide a copy
of your insurance settlement.

If you have questions, call 800-621-3362 (TTY: 800-462-7585). The
toll-free telephone lines operate from 7 a.m. to 1 a.m. ET, seven days
a week. If you use a relay service, such as video relay service (VRS),
captioned telephone service or others, give FEMA the number for that
service.