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immediately to request the second inspection rather than waiting for notice of the inspection results.


Denial Notice If an applicant is not eligible for help, she will be notified by FEMA by mail or e-


mail. The letter will give the reason for the denial, for instance, that she is the second person applying based on damage to a particular pre-disaster address. The notices often use vague or unclear terms and never provide details of the basis for the denial. By calling the FEMA helpline at 800-821-FEMA, you may be able to gather additional information as to the basis for the denial. Further, getting a copy of the applicant’s entire FEMA file may provide more information on the denial. In any case, there is no harm in appealing the denial, and anyone denied benefits would be wise to submit a timely appeal.


The denial notice will inform the applicant of her appeal rights. The applicant


may also be referred to the Small Business Administration (SBA) for help. If so, the notice will include an SBA application.


Notice of FEMA Grant Within ten days of the inspector’s visit (or of application, if no inspection was


required), the applicant will receive a letter or e-mail from IHP to notify her of the agency’s decision on the application. If the applicant is eligible for financial help, the letter will explain how much money will be issued and what it can be used for. It will be followed by a check or cash transfer. The funds cannot be used for any purpose other than those listed on the notice.


Request for Additional Information FEMA often requires additional information in order to process an application.


Applicants must timely provide all documentation requested, such as insurance denials or verification of address. If the applicant is unable to provide the documentation requested in the time allotted, contact the FEMA helpline immediately to discuss alternative forms of documentation that may be accepted or to explain the situation.


Program Eligibility Requirements To receive assistance from FEMA, certain basic requirements must be met. There


are different eligibility factors depending upon the type of assistance requested, as noted in 44 CFR 206.113. The CFR provides minimal guidance, not itemizing any exceptions to the rules or providing details like the meaning of “significant delay” or “when housing is not available on the private market.” As an advocate for your client, you can urge FEMA to use an interpretation of these terms that will best meet your client’s needs.


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