19.
Are insurance deductibles covered under FEMA’s programs?
FEMA does not cover insurance deductibles. If your insurance settlement does not meet you disaster related need you may be eligible for assistance from FEMA.
20. What documents does FEMA want from my insurance company?
If you apply for help from FEMA because your insurance does not cover all of your disaster related needs, you need to write a letter to FEMA explaining your situation and include a copy of a settlement or denial letter from your insurance company. FEMA cannot duplicate any insurance coverage.
21. Do I have to file a claim with my insurance company since I have to pay a deductible? Why can’t FEMA just help me?
FEMA cannot give you money for items that your insurance covers (this would be considered a duplication of benefits), but FEMA may be able to help with uncompensated losses or unmet needs not covered by your insurance company. If you have not already contacted your insurance agent to file a claim, please do this as soon as possible. If you do not file a claim with your insurance company FEMA help may be limited.
22. My insurance company told me it would be weeks before they come to see my damages. Can FEMA help?
If a decision on your insurance settlement has been delayed longer than 30 days from the time you filed the claim you may be eligible for an insurance advancement from FEMA. These funds are considered a loan and must be repaid to FEMA once you receive your settlement from your insurance company. FEMA will send you a Request for Advancement and Signature letter. You must complete and return this letter before FEMA can evaluate your request for assistance.
23. Can I obtain immediate financial assistance from my homeowners insurance company to pay for alternative living arrangements while I am displaced from my damaged or destroyed home?
You may be entitled to additional living expenses (ALE) under your homeowner’s policy. Ask your insurance company if you are entitled to these benefits under your policy. Also ask your insurance company for a copy of your insurance policy so that you can confirm whether the benefits are available to you.
24. Do I have to pay my insurance premiums (for example, on my house or car) in light of disaster damage?
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