Disaster relief: 7 tips for filing a FEMA claim
After a disaster, it may be difficult to know where to seek help. Homeowners whose property has been damaged during hurricanes, tornadoes, wildfires, severe winter storms, or other natural disasters may have insurance to cover their expenses. Others may not be so lucky. For homeowners and renters who need financial assistance not covered by insurance, the Federal Emergency Management Agency (FEMA) is the agency that seeks basic government assistance.
For some people, the process of filing a FEMA claim can be overwhelming or tedious, but it pays to stick to it. We have compiled the following tips to help you file a FEMA claim and get the disaster relief you need.
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Tip #1-Record damage
After the storm has passed, your first reaction may be to clean up the debris in the yard and try to eliminate the damage that has been caused. However, it is important to take time to document the damage before starting the cleaning, repair, and return to normal process. The first thing you should do is take a photo of the property. Don’t forget the detailed photos that can better show the degree of damage. It is also a good idea to take a video of your property immediately after the disaster, as this can show different perspectives. Finally, before starting cleaning, please record the damage you find in detail. No damage is too small to record, so please try to be thorough.
Tip #2-Keep all receipts
Disaster-related costs will soon start to climb, and you need to record every cost incurred. These receipts will play an indispensable role in your FEMA application, so be sure to keep every receipt. Some of the receipts you want to save include:
- Hotel accommodation or apartment rental.
- Equipment Leasing.
- Shop where you buy supplies.
If you have not received the receipt, please don’t be shy. Ask for one. In order to get the help you need, it is very important to have your expense documents.
Tip #3-Don’t avoid FEMA inspectors
A FEMA inspector will arrive at your house to assess the damage and compare it with the situation described in the claim. Instead of avoiding this professional, it is better to welcome them to your home. You will be responsible for showing to FEMA inspectors the different areas of your house and property damaged by natural disasters. You should emphasize the damage to your house, other parts of your property, your car, and any other personal property (such as furniture, clothes, bed linen, kitchenware, electrical appliances, electronics, etc.). Don’t be afraid to ask questions, and make sure to take a lot of notes during the inspector’s visit.
Tip #4-Pay attention to deadlines
Throughout the FEMA claim application process, you must meet various deadlines. When there are many other things on your plate, it can be difficult to keep track of these deadlines. However, it is important that you meet with all these people because this will put you on the right track and ensure that you get the help you need as quickly as possible.If you are not sure what steps should be taken and when the deadline is, you can Call FEMA And asked.
Tip #5-Stay organized when completing the application
Your application will require you to piece together what happened during the natural disaster and its impact on your family, property and livelihood. When you sit down and fill out the application form, make sure you are organized and ready to complete all parts. You should choose a quiet time so that you can fully concentrate on your application without being distracted. It is best to write a letter attached to your application explaining the purpose of each receipt, as this will make the agency more clear when processing your claim.
Tip #6-Keep copies of the application and supporting documents
Before you submit a claim to FEMA, please copy the completed application and all supporting documents you submitted. If FEMA does not receive all or part of your application, this will protect you. If your initial claim is rejected, it can also benefit you. If your claim is rejected, you have the right to appeal, so do not discard the FEMA rejection letter. In order to appeal as quickly as possible, you need to prepare a copy of the original application and all supporting documents. This will simplify the process and help you get the best results.
Tip #7-Don’t give up
The truth is that sometimes you need to persist File a FEMA claimSometimes, you will call to find an agent who is not particularly helpful. Try not to get discouraged. Just hang up the phone with the agent and call back to get a different call. If necessary, work upwards in the chain of command.
If you have legal questions about claims, don’t be afraid Ask a lawyer For help.If your insurance claim is rejected, you can customize it by creating a free Request information about insurance denial Documentation.
This article contains general legal information and does not contain legal advice. Rocket Lawyer is not a law firm, nor is it a substitute for a lawyer or a law firm. The law is complex and changes frequently.For legal advice, please Ask a lawyer.