4 Storm-Related Expenses FEMA May Cover
The Federal Emergency Management Agency (FEMA) provides emergency shelters and temporary housing in areas that have been hit by disasters, such as major storms or flooding. Their Individual Disaster Assistance program can also assist qualified homeowners who have experienced storm damage with these four types of expenses:
1. Repair or Replacement of Your Home
If the repair or replacement of your home is not covered by insurance, you may be eligible to receive a grant or low-interest loan to assist with repairing or replacing your storm-damaged home. If your insurance doesn’t cover the entire cost, you may also be eligible.
2. Temporary Housing
FEMA may be able to assist you with finding and paying for a place to live during the period that your home cannot be occupied due to storm or flood damage. In some cases, they may provide government housing. They may also be able to reimburse you for the cost of a hotel room you were forced to book due to storm damage.
3. Miscellaneous Expenses
Recovering from a storm can involve a lot of expenses beyond those associated with repairing your home. You may be eligible for reimbursement for storm-related expenses for items such as childcare, medical bills, funeral expenses, essential household items, residential storm cleanup, vehicle damage and moving or temporary storage expenses, among others.
4. Delays or Gaps in Insurance
You can’t collect twice for the same damage, so expenses that your insurance covers are not recoverable through the disaster assistance program. However, if there is a significant delay involved in receiving an insurance settlement or reimbursement or if your damage exceeds the limits of your policy, you may still be eligible for assistance.
If your home has been damaged by a major storm, you may qualify for FEMA assistance. Check with your insurance company and local disaster resources in Hyde Park, NY, to see if you qualify and should begin the application process.