Report Insurance Settlement: FEMA Letter Not Always Last Word

Report Insurance Settlement: FEMA Letter Not Always Last Word 

Release Date: April 16, 2012
Release Number: 4058-031

» More Information on Indiana Severe Storms, Straight-line Winds, and Tornadoes

INDIANAPOLIS, Ind. — The Federal Emergency Management Agency (FEMA) and the Indiana Department of Homeland Security (IDHS) emphasize the importance of filing storm-related insurance settlement information with FEMA. Reporting expenses covered by insurance is a required step to apply for FEMA aid to help recover from severe storms that impacted Clark, Jefferson, Ripley, Scott, Warrick and Washington counties from Feb. 29 through March 3.

A “no decision” letter from FEMA is not always the last word.

A letter from FEMA stating a decision has not yet been made about an application is not necessarily the last word. It may simply mean additional information is required, such as insurance settlement information. Hoosiers may have received such a letter because they still need to file their storm-related insurance settlement details to FEMA. Each applicant is considered on a case-by-case basis. Every storm-impacted resident should follow up with FEMA to learn the specifics of his or her individual case.

A delay in submitting insurance settlement information can delay FEMA inspection.

Reporting insurance coverage helps continue the FEMA application process. Generally, not until insurance settlement information is provided can a visit from an inspector be scheduled. Waiting to submit insurance information can delay the inspection, which will pause the application process.

Hoosiers who have not yet received their insurance settlement may contact FEMA online or through the FEMA toll-free help line to explain their situations. Individuals should be prepared to provide to FEMA:

  • documentation from the insurance company proving the claim has been filed;
  • a claim number;
  • the date of application; and
  • the estimated time required to receive the settlement.

Any help awarded in advance by FEMA that is duplicated by the settlement must be repaid to FEMA once an insurance settlement is received.

While the law forbids federal payment for loss covered by insurance, financial aid may be provided for loss not covered. Hoosiers affected by recent storms are encouraged to follow up with FEMA to determine their eligibility, even if they think they will not qualify for assistance.

How to report insurance settlement

Applicants may mail in their insurance settlement information to:

The Federal Emergency Management Agency
P.O. Box 10055
Hyattsville, MD 20782-8055

Insurance settlement information may also be faxed to: (800) 827-8112.

Register with FEMA now

It is important to register with FEMA now. Occasionally, the insurance settlement process may take several months before it is final, perhaps until after the registration period has ended. To be considered for federal assistance, residents must apply before the May 8 deadline, even if the insurance claims process is not complete.

To register, applicants may call FEMA’s toll-free registration and help line number. The number is (800) 621-FEMA (3362). For speech- or hearing-impaired applicants, the TTY number is 1-800-462-7585 and Video Relay Service may be accessed at 1-800-621-3362. These lines are open from 7 a.m. to 10 p.m. seven days a week. Register online at www.fema.gov or www.DisasterAssistance.gov; by smart phone or tablet at m.fema.gov.

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.

Last Modified: Monday, 16-Apr-2012 16:56:02

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Report Insurance Settlement: FEMA Letter Not Always Last Word

Tell Your Neighbor about Federal Disaster Assistance

Tell Your Neighbor about Federal Disaster Assistance 

Release Date: April 3, 2012
Release Number: 4058-019

» More Information on Indiana Severe Storms, Straight-line Winds, and Tornadoes

INDIANAPOLIS, Ind. — If you suffered damage during severe storms Feb. 29-March 3, chances are your neighbor may have, too. Storm-impacted individuals should tell their neighbors about the opportunity to register for assistance with FEMA before the May 8 deadline and to return their SBA loan applications as soon as possible.

Tell your friends and neighbors about the opportunity to register with FEMA even though they have insurance. Insurance may not cover the entire cost of recovery, and a low-interest loan from the SBA may fill the gap to more fully recover from damage.

Tell others FEMA Housing Assistance in the form of grants may include rental assistance, home repairs and home replacements. Other Needs Assistance grants may be available to replace personal property and help meet medical, dental, transportation and other serious disaster-related needs not covered by insurance or other federal, state and charitable aid programs.

Tell your friends and neighbors SBA disaster loans help homeowners, renters, businesses of all sizes and private non-profit organizations fund repair or rebuilding and cover the cost of replacing lost or damaged personal property and business assets. These loans may cover insurance deductibles, code-required upgrades and other costs not covered by insurance or other sources.

Tell your friends and neighbors if they received an SBA disaster loan application they should return it as soon as possible. If they have questions, they can contact the SBA Customer Service Center. Call (800) 659-2955 from 8 a.m. to 9 p.m., Monday through Friday, and from 9 a.m. to 9 p.m. Saturday. To apply online, visit:  
disasterloan.sba.gov/ela/. Applicants may also visit www.sba.gov/services/disasterassistance or email disastercustomerservice@sba.gov.

Emphasize to your friends and neighbors that completion of the SBA disaster loan application may open the door to FEMA grants and other forms of assistance available to eligible residents. FEMA’s temporary housing assistance and grants for medical, dental and funeral expenses do not require individuals to apply for an SBA loan. However, applicants who receive SBA disaster loan applications must submit them to SBA to be eligible for assistance covering personal property, vehicle repair or replacement and moving and storage expenses. An insurance claim does not have to be settled to complete and submit an SBA loan application.

Register with FEMA

Be sure your friends and neighbors know how to apply for FEMA assistance. One easy way to apply is to call the telephone registration line, (800) 621-FEMA (3362). For speech-or hearing-impaired applicants, the TTY number is (800) 462-7585 and Video Relay Service may be accessed at (800) 621-3362. These lines are open from 7 a.m. to 10 p.m. seven days a week. FEMA issues a nine-digit registration number to verify completion of each application.

Registration is also possible in the following ways:

May 8 is the last day to register for assistance.

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.

Last Modified: Tuesday, 03-Apr-2012 10:52:37

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Tell Your Neighbor about Federal Disaster Assistance

New Flood Maps Show Current Risks In Cass County, Texas

New Flood Maps Show Current Risks In Cass County, Texas 

Release Date: March 23, 2012
Release Number: R6-12-067

» 2012 Region VI News Releases

DENTON, Texas — Cass County, Texas homeowners, business and residential renters, and business owners who do not have flood insurance are encouraged to buy coverage now to get the best possible premiums before new flood insurance rate maps go into effect.

The new Cass County flood maps become effective on Tuesday, April 3 giving those who haven’t purchased flood insurance yet, time to get the best possible premiums to protect their property from potential flooding.

“While many people are required by mortgage and lending companies to have flood insurance, FEMA and the National Flood Insurance Program (NFIP) strongly recommend that everyone have flood insurance,” said Region 6 Administrator Tony Russell. “The reason is simple: You don’t have to be in a mapped floodplain to flood.”

Current policy holders and those planning to purchase NFIP protection are strongly encouraged to contact their insurance agent or company to ensure that they have adequate coverage for building and contents that accounts for new flood risk data.

Those who purchase flood insurance prior to April 3 may be able to grandfather the current flood zone, saving money on flood insurance. For more information on estimated rates for flood insurance, whether you are eligible for grandfathering, and the Preferred Risk Policy extension, or to locate an agent in your area, visit www.floodsmart.gov.

Anyone who hasn’t had a chance to participate in local flood insurance meetings or to review the new flood maps is encouraged to contact their floodplain administrator to determine if they have been removed from the floodplain and may be able to have their premiums reduced accordingly. The floodplain administrator is most likely located at City Hall or the local courthouse.

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.

Last Modified: Friday, 23-Mar-2012 15:09:07

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New Flood Maps Show Current Risks In Cass County, Texas

New Flood Maps Show Current Risks in Rogers County, Oklahoma

New Flood Maps Show Current Risks in Rogers County, Oklahoma 

Release Date: March 22, 2012
Release Number: R6-12-065

» 2012 Region VI News Releases

DENTON, Texas — Rogers County, Oklahoma homeowners, business and residential renters, and business owners who do not have flood insurance are encouraged to buy coverage now to get the best possible premiums before new flood insurance rate maps go into effect.

The new Rogers County flood maps, which include all of the communities in Rogers County, become effective on Tuesday, April 3 giving those who haven’t purchased flood insurance yet, time to get the best possible premiums to protect their property from potential flooding.

“While many people are required by mortgage and lending companies to have flood insurance, FEMA and the National Flood Insurance Program (NFIP) strongly recommend that everyone have flood insurance,” said Region 6 Administrator Tony Russell. “The reason is simple: You don’t have to be in a mapped floodplain to flood.”

Current policy holders and those planning to purchase NFIP protection are strongly encouraged to contact their insurance agent or company to ensure that they have adequate coverage for building and contents that accounts for new flood risk data.

Those who purchase flood insurance prior to April 3 may be able to grandfather the current flood zone, saving money on flood insurance. For more information on estimated rates for flood insurance, whether you are eligible for grandfathering, and the Preferred Risk Policy extension, or to locate an agent in your area, visit www.floodsmart.gov.

Anyone who hasn’t had a chance to participate in local flood insurance meetings or to review the new flood maps is encouraged to contact their floodplain administrator who may be located at City Hall or the county administration offices.

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. 

Last Modified: Thursday, 22-Mar-2012 09:44:11

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New Flood Maps Show Current Risks in Rogers County, Oklahoma

New Flood Maps Show Current Risks in Washita County, Oklahoma

New Flood Maps Show Current Risks in Washita County, Oklahoma 

Release Date: March 22, 2012
Release Number: R6-12-066

» 2012 Region VI News Releases

DENTON, Texas — Washita County, Oklahoma homeowners, business and residential renters, and business owners who do not have flood insurance are encouraged to buy coverage now to get the best possible premiums before new flood insurance rate maps go into effect.

The new Washita County flood maps, which include all of the communities in Washita County, become effective on Tuesday, April 3 giving those who haven’t purchased flood insurance yet, time to get the best possible premiums to protect their property from potential flooding.

“While many people are required by mortgage and lending companies to have flood insurance, FEMA and the National Flood Insurance Program (NFIP) strongly recommend that everyone have flood insurance,” said Region 6 Administrator Tony Russell. “The reason is simple: You don’t have to be in a mapped floodplain to flood.”

Current policy holders and those planning to purchase NFIP protection are strongly encouraged to contact their insurance agent or company to ensure that they have adequate coverage for building and contents that accounts for new flood risk data.

Those who purchase flood insurance prior to April 3 may be able to grandfather the current flood zone, saving money on flood insurance. For more information on estimated rates for flood insurance, whether you are eligible for grandfathering, and the Preferred Risk Policy extension, or to locate an agent in your area, visit www.floodsmart.gov.

Anyone who hasn’t had a chance to participate in local flood insurance meetings or to review the new flood maps is encouraged to contact their floodplain administrator who may be located at City Hall or the county administration offices.

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. 

Last Modified: Thursday, 22-Mar-2012 09:41:40

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New Flood Maps Show Current Risks in Washita County, Oklahoma

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