Letter on Eligibility May Not Be Last Word on Disaster Assistance for Texans Affected by Storms, Floods

AUSTIN, Texas – A letter stating a household is ineligible for disaster assistance may not be the final word on a Federal Emergency Management Agency (FEMA) application.

The most common reasons for receiving a determination of ineligibility are:

•          Adequate insurance coverage.
•          Insufficient storm-related damage.
•          Missing documentation needed to complete the assistance evaluation process.

Examples of missing documentation may include an insurance settlement letter, proof of residence, proof of ownership of the damaged property, and proof that the damaged property was the applicant’s primary residence at the time of the disaster. If instructed and needed, applicants can simply submit missing documentation to FEMA online, by mail or fax, or by visiting a Disaster Recovery Center.

“We want to ensure everyone eligible for disaster assistance receives as much help as possible,” said Federal Coordinating Officer Kevin L. Hannes. Disaster assistance for homeowners and renters may include grants to help pay for temporary housing, essential home repairs or other serious disaster-related needs. “But remember – grants only cover uninsured or under-insured losses.”

If you receive a letter of ineligibility, call the FEMA Helpline at 800-621-FEMA (3362), or (TTY) 800-462-7585 from 7 a.m. to 10 p.m. (local time) to check the status of your application, update your contact numbers or ask any questions. Users of 711 or Video Relay Services should call 800-621-3362.

Applicants ineligible for FEMA grants may still be eligible for other programs, such as disaster unemployment assistance. Low-interest disaster loans from the U.S. Small Business Administration (SBA) are also available for businesses of all sizes, private nonprofit organizations, homeowners and renters to pay for repair or replacement costs not covered by insurance or other sources.  

Residents and business owners may automatically be referred to the SBA for possible low-interest disaster recovery loans that cover these losses not fully compensated by insurance or other resources and do not duplicate benefits of other agencies or organizations.

You should not wait for your insurance settlement to begin an application for a low-interest disaster from SBA. In disaster recovery, SBA’s low-interest loans may be the primary source of the federal funds for the long-term repair and replacement of disaster-damaged private property for business of all sizes, private non-profit organizations, homeowners and renters.

If an applicant has insurance, FEMA cannot duplicate insurance payments. However, under-insured applicants may receive further assistance for unmet needs after insurance claims have been settled.

“If you are unable to live in your home due to disaster damage and your insurance policy does not cover temporary rental assistance, you may be eligible for rental assistance from FEMA,” said Hannes. “If you suffered damage and you’re still waiting for an insurance settlement payment, you may be eligible for an advance from FEMA.”

When requesting an increase in a FEMA grant award for home repairs, applicants should submit repair estimates, receipts or invoices to wage an effective appeal.

Applicants may appeal any FEMA decision. By doing so, they are asking FEMA to review their case again. “For instance, if you discover you need more disaster-related home repairs than first projected, you can appeal the initial determination,” said Hannes.

All appeals must be filed in writing to FEMA. Applicants should explain why they think the decision is not correct. To ensure accuracy and help FEMA personnel process your appeal quickly, please include the following information in your letter of appeal:

•          Your full name
•          The address of your damaged property
•          Current contact information
•          Disaster number: DR-4223-TX
•          Last four digits of your Social Security number
•          Your birthdate and place of birth
•          Your 9-digit FEMA registration number on each page and on supporting documentation
•          Your letter must be either notarized, include a copy of a state issued identification card, or include the following statement, “I hereby declare under penalty of perjury that the foregoing is true and correct.”
•          You must sign the letter

If someone other than you or the co-applicant is writing the letter, there must be a signed statement from you affirming that the person may act on your behalf. You should keep a copy of your appeal for your records.

To file an appeal, letters must be postmarked, received by fax, or personally submitted at a Disaster Recovery Center within 60 days of the date on the determination letter.

By mail:

FEMA – Individuals & Households Program
National Processing Service Center
P.O. Box 10055
Hyattsville, MD 20782-7055

By fax:

800-827-8112
Attention: FEMA – Individuals & Households Program

Applicants may check the status of their applications or update their contact information online at www.disasterassistance.gov or by calling the FEMA Helpline at 800-621-FEMA (3362) or (TTY) 800-462-7585. The toll-free phone lines remain open from 7 a.m. to 10 p.m. (local time), seven days a week until further notice. 

More information on filing an appeal can be found online at www.disasterassistance.gov or in the Help After a Disaster that FEMA mails to each applicant.

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Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status.  If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). For TTY, call 800-462-7585.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards.  Follow us on Twitter at https://twitter.com/femaregion6.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling 800-659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call 800-877-8339.

FEMA’s temporary housing assistance and grants for childcare, medical, dental expenses and/or funeral expenses do not require individuals to apply for an SBA loan. However, those who receive SBA loan applications must submit them to SBA to be eligible for assistance that covers personal property, transportation, vehicle repair or replacement, and moving and storage expenses.

Visit www.fema.gov/texas-disaster-mitigation for publications and reference material on rebuilding and repairing safer and stronger.