2. The applicant filed for insurance benefits and the damage to personal property is not covered by insurance.
3. The applicant or a member of her household is a United States citizen, a non-citizen national, or a qualified alien.
4. The applicant has necessary expenses or serious needs because of the disaster.
5. The applicant accepted assistance from all other sources for which she is eligible, including insurance proceeds or SBA loans.
In other words, anyone applying for Other Needs Assistance (“ONA”) will be
referred to the SBA for a loan, and only if that loan is denied will the household be eligible for additional FEMA assistance. The only exception to this rule is that some extremely low-income individuals and households will not be referred to the SBA. For instance, clients receiving welfare or SSI are unlikely to be referred to the SBA. If that client is sent an SBA application rather than being considered for ONA, she should contact FEMA to clarify her sources of income.
Ineligibility Factors An applicant may not be eligible for assistance from IHP if:
1. The applicant has adequate rent-free housing she can use (e.g., a vacation home). 2. The damaged property is a secondary or vacation home. 3. Expenses occurred were all precautionary, e.g., the applicant stayed in a hotel on the night of a storm for fear of flooding, but the home was never actually flooded.
4. The applicant refused assistance from insurance, or in the case of ONA, the applicant refused assistance from the SBA.
5. The applicant’s only losses were business-related or farm-related (other than a farmhouse that was the applicant’s primary residence).
6. The applicant received FEMA assistance in an earlier flood-related disaster but failed to obtain flood insurance, or the damaged home is in a designated flood hazard area and the community declined to participate in the National Flood Insurance Program. (Such individuals may still qualify for rental assistance or repairs not covered by flood insurance.)
If the applicant is a landlord applying for IHP benefits based on damage to her
own home, her rental properties are only considered adequate rent-free housing if they are not tenant-occupied.
Duplication of Benefits and the Sequence of Delivery Pursuant to the requirements of Section 312 of the Stafford Act, 42 U.S.C. §
5155, FEMA will not provide assistance when any other source has already provided assistance for the same purpose or when such assistance has been made available but was rejected by the applicant. FEMA has established a sequence of delivery to help avoid
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