FEMA Assistance FAQ

1/12/2022 (Permalink)

FEMA Assistance FAQ

When natural disasters strike, the Federal Emergency Management Agency, or FEMA, often provides shelter, assistance, and inspections. What can you expect if they show up at your home?

• The representative completes an overall assessment.
  
• Paperwork is filled out, detailing the extent of the damage.
  
• Proof of ownership is established.
  
• Adjusters from insurance companies and the agency assign dollar values to property and belongings.
  
  

How Do I Obtain Assistance?

If you believe you qualify for federal disaster assistance, you'll need to apply by contacting www.DisasterAssistance.gov or calling the agency. Act quickly to be sure you don't miss established deadlines. You may qualify for one or several grants to help you recover from flooding. These include grants for expenses related to medical, dental, and funeral costs, emergency home repairs, personal property losses, and temporary housing.

Are All Losses Covered?

FEMA provides grants to help cover costs not covered by your insurance company. This doesn't mean that the entire difference between the overall costs and your insurance coverage will be available. However, a disaster loan from the agency may give you the leeway you need to get your home back into a comfortable living condition. Work with a disaster recovery company in Cashiers, NC, to understand the potential costs.

What Do I Need To Pay Back?

The type of aid you receive affects whether you need to repay any of the funding. If you received grants, for example, you don't need to repay them. If you received loans, however, you will be responsible for repaying the amount. You may also find some relief by applying for a loan through the Small Business Administration. These low-interest loans are often available after natural disasters.

What Are the Requirements?

There are several requirements that may affect whether you qualify. These include providing proof of your citizenship status and proof of homeownership or rental status.

FEMA aid is not meant to cover all expenses related to getting your home back to pre-disaster condition. However, enlisting the agency's help can make the recovery process far less stressful.