Contact FEMA if Insurance for Living Expenses Expires

SACRAMENTO, Calif. – Disaster survivors whose insurance provided Additional Living Expenses (ALE) that are expiring are encouraged to contact the Federal Emergency Management Agency if they registered with the agency and still have a temporary housing need.

This temporary housing assistance is available to eligible FEMA applicants who lost or sustained damage to their homes due to the wildfires in Calaveras and Lake counties from Sept. 9 through Oct. 30, 2015.

Fax or mail a letter to FEMA explaining the situation and provide a document with expiration of ALE from insurance and provide an update of the permanent housing plan. FEMA’s fax number is 800-827-8112. Those who have questions can call the FEMA Helpline at 800-621-3362. For those who use a TTY, call 800-462-7585 directly. Those who use 711 or Video Relay Service (VRS), call 800-621-3362.

 

The mailing address is:

FEMA

National Processing Service Center

P.O. Box 10055

Hyattsville, MD 20782-7055

 

For more information on California’s wildfire recovery, visit: caloes.ca.gov or fema.gov/disaster/4240 and follow us on Twitter @femaregion9 or @Cal_OES and at Facebook.com/FEMA  or Facebook.com/California OES.

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.

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). If you have a speech disability or hearing loss and use a TTY, call 800-462-7585 directly; if you use 711 or Video Relay Service (VRS), call 800-621-3362.

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Contact FEMA if Insurance for Living Expenses Expires

Insured Rhode Islanders May Qualify for FEMA Aid

WARWICK, R.I. — Insured Rhode Islanders with Hurricane Sandy losses related to their primary homes may benefit from registering for assistance from the Federal Emergency Management Agency, because insurance may not cover all storm-related costs.

If you’re insured, you must file a claim with your insurance company and let FEMA know what your policy covers before you can be eligible for federal aid. By law, federal disaster assistance cannot duplicate insurance benefits.

When insurance doesn’t cover all your disaster related expenses FEMA may be able to help. Here are some examples:

  • You have Additional Living Expenses (ALE) your insurance doesn’t cover. If you were displaced from your home due to disaster damage, you may have additional living expenses for temporary housing until you are back in permanent housing (your repaired home or a new rental). Some policies–and this includes National Flood Insurance–do not provide benefits for Additional Living Expenses. Other policies may provide some coverage, but not enough.  FEMA may be able to help.
     
  • You have losses that were not insured, such as: Sandy may have damaged your vehicle and you have no  coverage for that. You may have been injured by the hurricane and have uninsured medical or dental expenses. You may be a student who lost your books and computer or a worker who lost tools that your insurance doesn’t cover.

After registering, many insured applicants will initially receive a letter from FEMA stating they are ineligible because they have insurance. FEMA can reconsider this determination after you provide information about storm-related losses your insurance didn’t cover. You will receive instructions on how to do this with your letter from FEMA or call the FEMA Helpline, 800-621-3362, for more information.

It’s important not to put off registering even if you don’t yet know whether insurance covers all your losses. Registration is open only until January 14. After that, even if you later discover uninsured losses, it will be too late to ask FEMA for help.

FEMA evaluates each situation on a case-by-case basis. By registering before the deadline, you will be assured of access to all available FEMA aid even if you do have insurance.
 

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.

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

SBA disaster loan information and application forms may be obtained by calling the SBA’s Customer Service Center at 800-659-2955 (800-877-8339 for people with speech or hearing disabilities) Monday through Friday from 8 a.m. to 6 p.m. ET or by sending an e-mail to disastercustomerservice@sba.gov. Applications can also be downloaded from www.sba.govor completed on-line at https://disasterloan.sba.gov/ela/.

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Insured Rhode Islanders May Qualify for FEMA Aid

Register With FEMA While Waiting for an Insurance Settlement

NEW YORK – Disaster assistance may cover damages that insurance doesn’t. That is why individuals affected by Hurricane Sandy are urged by the Federal Emergency Management Agency to apply for assistance even if they have insurance.

Apply for FEMA assistance by registering online at www.DisasterAssistance.gov, or by tablet or smartphone at m.fema.gov. Register by phone by calling 800-621-FEMA (3362). If you have a speech disability or hearing impairment and use a TTY, call 800-462-7585 directly; if you use 711 or Video Relay Service (VRS), call 800-621-3362.
 
Keep in mind that you need to file your insurance claim with your insurance company as soon as possible. Failure to file a claim may affect a policyholder’s eligibility for disaster assistance.

After filing a claim, if any of the following situations occur, FEMA may be able to provide some assistance:

Your insurance settlement is delayed.

  • “Delayed” means a decision on your insurance settlement has been delayed longer than 30 days from the time you filed the claim.
  • If a decision on your insurance settlement has been delayed, you will need to mail or fax a letter to FEMA explaining the circumstance. Mail or fax your letter to:
  • FEMA IHP
    National Processing Service Center
    PO Box 10055
    Hyattsville, MD 20782-8055

Fax: 1-800-827-8112

  • You should include documentation from the insurance company proving that you filed the claim.
  • If you filed your claim over the telephone, you should include the claim number, date when you applied, and the estimated time of how long it will take to receive your settlement.
  • If you receive FEMA assistance and you later find that your insurance will cover what your FEMA assistance was for, then you must return that money to FEMA because it is considered a duplicate benefit.

You have exhausted the Additional Living Expenses (ALE) provided by your insurance company.

  • If you have received the maximum settlement from your insurance for Additional Living Expenses and still need help with your disaster-related temporary housing need, mail or fax a letter to FEMA at the above address indicating why you continue to have a temporary housing need.
  • You will also need to provide documentation to prove use of ALE from insurance, and a permanent housing plan.

You have up to 12 months from the date of registration with FEMA to submit insurance information for review.

For more information on New York’s disaster recovery, visit www.fema.gov/disaster/4085, http://twitter.com/FEMASandy, www.facebook.com/FEMASandy and www.fema.gov/blog

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Register With FEMA While Waiting for an Insurance Settlement