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Fire & Water - Cleanup & Restoration

3 Ways FEMA Can Help After a Storm

11/12/2018 (Permalink)

Flooding caused mold damage to this home in Redlands Yucaipa,CA

Three General Type of Assistance That FEMA Provides

After a severe storm, hurricane, or flood, the Federal Emergency Management Agency may offer assistance to residents of Redlands Yucaipa, CA. There are three general types of assistance that FEMA can provide to homeowners affected by storm damage or flooding.

1. Financial Assistance

Homeowners affected by floods may qualify for the Individuals and Households Program if the president declares their region a federal disaster area. Repair and Replacement Assistance is a one-time payment to support damage mitigation, but is not sufficient to restore a property. Complete mitigation and restoration require coverage under the National Flood Insurance Program or a homeowners policy for other types of storms or disasters.

The NFIP does not cover additional expenses associated with disaster recovery. FEMA also cannot duplicate benefits for any losses covered by insurance. Homeowners have up to 12 months from the application date to submit insurance settlement records or file a claim for an insufficient settlement.

2. Inspections

The Federal Emergency Management Agency also sends out inspectors and adjusters to assess the extent of damage caused by flooding. These experts can facilitate filing NFIP or homeowners insurance claims.

3. Temporary Shelters

Transitional Sheltering Assistance is available immediately after a disaster to reduce the cost of a hotel stay. Thereafter, Temporary Housing Assistance is issued for an initial period of one to three months. In order to qualify for extended assistance, residents must prove that they have spent any funding received in authorized ways. The maximum period for housing assistance is 18 months.

These are just a few ways that FEMA can help residents and homeowners who are affected by floods, storms, and other disasters. Many types of assistance and services fall under each of these broad categories. These measures are intended to supplement homeowners and NFIP coverage, and are not a replacement for insurance. Insurance coverage can offset the costs of residential damage restoration in Redlands Yucaipa, CA.

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