Help After a Disaster Applicant’s Guide to the Individuals & Households Program pdf

Help After a Disaster

Applicant’s Guide to the Individuals & Households Program
FEMA 545 / July 2008



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www.fema.gov

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TheFederalEmergencyManagementAgency(FEMA)undertheauthorityofsection408
oftheRobertT.StaffordDisasterReliefandEmergencyAssistanceAct,42U.S.C.§5174,
andTitle44oftheCodeFederalRegulations(CFR)mayprovidefinancialassistance
and,ifnecessary,directservicestoeligibleindividualsandhouseholdswho,asadirect
resultofamajordisaster,havenecessaryexpensesandseriousneedsandareunableto
meetsuchexpensesorneedsthroughothermeans.
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DearApplicant:
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AspartofourongoingeffortstoclearlycommunicateFEMA’sIndividuals
andHouseholdsProgram(IHP)requirements,documentation,and
processes,weareprovidingyouthisbooklet.Thisbookletcontainsuseful

programinformationaboutIHP.Fordisaster‐specificquestions,itis
alwaysbesttovisitourwebsiteatwww.fema.gov
orcontacttheFEMA
Helplineat1‐800‐621‐FEMA(TTY1‐800‐462‐7585forthehearing
impaired).
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InresponsetothePostKatrinaEmergencyManagementReformActof
2006,FEMAisintheprocessofupdatingourpoliciesandprogramsto
includenewauthoritiesdelegatedtoFEMAbyCongress.Asthenew
policiesandproceduresareputintoplace,updatedversionsofthis
applicantguidewillbemadeavailabletothepubliconFEMA’swebsite,in
ourDisasterRecoveryCenters,andbymailforallapplicantsapplyingby
phoneoronline.
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FEMA’sprogramsaredesignedtohelpmeetessentialneedsandassist
individualsandtheirhouseholdsintakingthefirststepstowardrecovery.
FEMAprogramsarenotintendedtoreturnallhomesorbelongingstotheir
pre‐disastercondition.
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Welookforwardtopartneringwithyouintherecoveryprocessasyouand
yourcommunityrebuildafteradisaster.
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WithRegards,
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FEMA Disaster Assistance Directorate


TABLEOFCONTENTS

OverviewoftheIndividualsandHouseholdsProgram 1

TypesofAssistance 1
YourCivilRightsandDisasterAssistance 2
DisasterAssistanceProcess 2
ProgramEligibility 4
TypesofEligibleLosses 5
ImportantInformationAboutDisasterHelp 6
IfYouAreEligibleforHelp 7
InformationAboutInsuranceandDisasterHelp 8
IWanttoHaveMyCaseReviewedAgain(Appeal) 9
RebuildingandRepairing‐MitigationMeasures 11
InformationAboutAdditionalDisasterAssistanceProgramInformation .12
FrequentlyAskedQuestionsandAnswers 15
DescriptionofIneligibleReasons 20
SampleFEMAForm90‐69BDeclarationandRelease 27
FEMAFraudHotline 29



OverviewoftheIndividualsandHouseholds
Program(IHP)
PURPOSE:Whendisasterstakeplace,theIndividualsandHouseholdsProgram(IHP)
providesmoneyandservicestopeopleinthedisasterareawhenlossesarenotcovered
byinsuranceandpropertyhasbeendamagedordestroyed.
ThisprogramguideprovidesinformationthatwillhelpyouunderstandIHPand
explainshowtoapply.Youmustmeetspecificeligibilityc onditionstoqualifyforhelp.
IHPisdesignedtohelpyouwithcriticalexpensesthatcannotbecoveredinotherways.
LIMITATIONS:IHPwillnotcoverallofyourlossesfromdamagetoyourpro perty
(home,personalproperty,householdgoods)thatresultedfromthedisaster.
IHPisnotintendedtorestoreyourdamagedpropertytoitsconditionbeforethe
disaster.Insomecases,IHPmayonlyprovideenoughmoney,uptotheprogramlimits,

foryoutoreturnanitemtoservice.
IHPdoesnotcoverbusiness‐relatedlossesthatresultedfromthedisaster.
Bylaw,IHPcannotprovidemoneytoyouforlossesthatarecoveredbyyourinsurance.
WhilesomemoneyisavailablethroughIHP,mostdisasteraidfromtheFederal
governmentisintheformofloansfromtheSmallBusinessAdministration(SBA)that
mustberepaid.ApplicantstoIHPmayberequiredtoseekhelpfromSBAfirst,before
beingconsideredforcertaintypesofIHPhelp.YoudonothavetosubmitanSBAloan
applicationtobeconsideredforFEMArentalassistance.
TypesofAssistance
ThefollowinglistshowsthetypesofassistancethatareavailablethroughIHPand
whateachprovides.
TemporaryHousing(aplacetoliveforalimitedperiodoftime):Moneyisavailable
torentadifferentplacetolive,oragovernmentprovidedhousingunitwhenrental
propertiesarenotavailable.
Repair:Moneyisavailabletohomeownerstorepairdamagefromthedisasterthatis
notcoveredbyinsurance.Thegoalistomakethedamagedhomesafe,sanitary,and
functional.
FEMA Disaster Helpline: 1-800-621-FEMA (3362) Hearing/Speech Impaired ONLY: Call 1-800-462-7585

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Replacement:Moneyisavailabletohomeownerstoreplacetheirhomedestroyed
inthedisasterthatisnotcoveredbyinsurance.Thegoalistohelpthehomeowner
withthecostofreplacingtheirdestroyedhome.
Permanent/SemiPermanentHousingConstruction:Directassistanceormoneyfor
theconstructionofahome.Thistypeofhelpoccursonlyininsularareasorremote
locationsspecifiedbyFEMA,wherenoothertypeofhousingassistanceispossible.
OtherNeeds:Moneyisavailablefornecessaryexpensesandseriousneedscaused
bythedisaster.Thisincludesmedical,dental,funeral,personalproperty,
transportation,movingandstorage,andotherexpensesthatareauthorizedbylaw.
YourCivilRightsandDisasterAssistance

TheRobertT.StaffordDisasterReliefandEmergencyAssistanceAct(StaffordAct)isthe
lawthatauthorizesFederalassistancewhenthePresidentdeclaresaStatetobea
disasterarea.Section308oftheStaffordActprotectsindividualsfromdiscriminationon
thebasisoftheirrace,color,religion,nationality,sex,age,oreconomicstatusinall
disasterassistanceprograms.Section309oftheStaffordActappliesthesenon‐
discriminationprovisionstoallprivaterelieforganizationsparticipatingintheresponse
andrecoveryeffort.
In addition, Title VI of the Civil Rights Act of 1964 also protects individuals from
discrimination on the basis of their race, color, or national origin in programs that
receive Federal financial assistance.Section 504 of the Rehabilitation Act of 1973 is a
Federal law that protects individuals with disabilities from discrimination in all
programs receiving funds from the Federal government or operated by the Federal
government.Section 508 of that law prohibits discrimin ation against persons with
disabilitiesinregardtoFederallyoperatedtechnologysystems.
DisasterAssistanceProcess
TobeusedbypeopleinPresidentiallydeclareddisasterareas:
1. Applyonlinebyvisitingwww.fema.gov
orbyphonebycalling1‐800‐621‐FEMA
(3362)(hearing/speechimpairedONLY—call1 ‐800‐462‐7585).Inadditiontohavinga
penandpaper,pleasehavethefollowinginformationready:
• YourSocialSecurityNumber.
• Adescriptionofyourlossesthatwerecausedbythedisaster.
• Insuranceinformation.
FEMA Disaster Helpline: 1-800-621-FEMA (3362) Hearing/Speech Impaired ONLY: Call 1-800-462-7585

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• Directionstoyourdamagedproperty.
• Atelephonenumberwhereyoucanbecontacted.
Whenyouapplyoverthephone,theinformationyouprovideisputintothecomputer
andanapplicationisgenerated.Whenyourapplicationiscomplete,youwillbe

providedaFEMAapplicationnumber.
IfyouhavequestionsAFTERyouhaveappliedforassistanceoriftheinformationyou
providedhaschanged,calltheFEMAHelplineat1‐800‐621‐FEMA(3362)
(hearing/speechimpairedONLY—call1‐800‐462‐7585).Whenyoucall,haveyour
applicationnumberready.Thisnumberwillbegiventoyouwhenyouapplyandwill
beonallmailsenttoyoufromIHP.
2.WhenwillIbecontactedbyaninspector?Ifyouareuninsuredorlackthe
appropriateinsurancecoverage,aninspectorwillcalltoscheduleanappointmentto
visityourproperty.Insomecases,youmaybecontactedthesamedayyou
apply.However,inmostcasestheinspectorwillcallwithinthenextseveraldays,but
usuallynolaterthan10days.
Theinspectorwillassessdisaster‐relateddamageforyourrealandpersonal
property.Thereisnofeefortheinspection.Inspectorsarecontractors,notFEMA
employees,butyourinspectorwillhavepictureidentification.Youorsomeone18years
ofagethatlivedinthehouseholdpriortothedisastermustbepresentforyour
scheduledappointment.
Theinspectorwillneedtoseeyouridentificationandyoumustprovideproofof
ownership(forhomeowners)andoccupancytoshowtheinspector.
TheinspectorwillaskyoutosignaformauthorizingFEMAtoverifythatthe
informationyouhavegiveniscorrect.Inspectorsfileyourreportbutdonotdetermine
youreligibility.
3. Withinabout10daysoftheinspector’svisit,youwillreceivealetterfrom IHP
informingyouofthedecisiononyourrequestforhelp.
• Ifyouareeligibleforhelp,theletterwillbefollowedbyaU.S.
Treasury/Statecheckortherewillbeatransferofcashtoyourbankaccount.
Theletterwillexplainwhatthemoneycanbeusedtopayfor.Youshould
usethemoneygiventoyouasexplainedintheletter.
• Ifyouarenoteligibleforhelp,theletterwillgivethereasonforthe
decision.Youwillbeinformedofyourappealrightsintheletter.
www.fema.gov

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• IfyouwerereferredtotheSmallBusinessAdministration(SBA)forhelp
fromtheSBADisasterAssistanceProgram,youwillreceiveanSBA
application.
ProgramEligibility
ToreceivemoneyorhelpforHousingNeedsthataretheresultofadisaster,allofthe
followingmustbetrue:
• Youhavefiledforinsurancebenefitsandthedamagetoyourpropertyisnot
coveredbyyourinsurance.YoumaybeeligibleforhelpfromIHPtorepair
damagetoyourproperty.
• YouorsomeonewholiveswithyouisacitizenoftheUnitedStates,anon‐
citizennational,oraqualifiedalien.
• Yourhomeisinanareathathasbeendeclaredadisasterareabythe
President.
• Thehomeinthedisasterareaiswhereyouusuallylivethemajorityofthe
year.
• Youarenotabletoliveinyourhomenow,youcannotgettoyourhomedue
tothedisaster,oryourhomerequiresrepairsbec a useofdamagefromthe
disaster.
ToreceivemoneyforNeedsOtherthanHousing
thataretheresultofadisaster,allof
thefollowingmustbetrue:
• Youhavelossesinanareathathasbeendeclaredadisasterareabythe
President.
• Youhavefiledforinsurancebenefitsandthedamagetoyourpersonal
propertyisnotcoveredbyyourinsurance.Youmaybeeligibleforhelpfrom
IHPtorepairdamagetoyourproperty.
• YouorsomeonewholiveswithyouisacitizenoftheUnitedStates,anon‐
citizennational,oraqualifiedalien.
• Youhavenecessaryexpensesorseriousneedsbecauseofthedisaster.

• Youhaveacceptedassistancefromallothersourcesforwhichyouare
eligible,suchasinsuranceproceedsorSBAloans.
Youmaynotbe
eligibleformoneyorhelpfromIHPif:
FEMA Disaster Helpline: 1-800-621-FEMA (3362) Hearing/Speech Impaired ONLY: Call 1-800-462-7585

4
• Youhaveother,adequaterent‐freehousingthatyoucanuse(forexample,
rentalpropertythatisnotoccupied).
• Yourhomethatwasdamagedisyoursecondaryorvacationresidence.
• Yourexpensesresultedonlyfromleavingyourhomeasaprecautionand
youwereabletoreturntoyourhomeimmediatelyaftertheincident.
• Youhaverefusedassistancefromyourinsuranceprovider(s).
• Youronlylossesarebusinesslosses(includingfarmbusinessotherthanthe
farmhouseandself‐employment)oritemsnotcoveredbythisprogram.
• Thedamagedhomewhereyouliveislocatedinadesignatedfloodhazard
areaandyourcommunityisnotparticipatingintheNationalFlood
InsuranceProgram.Inthiscase,theflooddamagetoyourhomewouldnot
becovered,butyoumayqualifyforrentalassistanceoritemsnotcoveredby
floodinsurance,suchaswaterwells,septicsystems,medical,dental,or
funeralexpenses.
TypesofEligibleLosses
IHPonlycoversrepairsorreplacementofitemsthataredamagedasadirectresultof
thedisasterthatarenotcoveredbyinsurance.Repairsorrebuildingmaynotimprove
yourho meaboveitspre ‐disaster conditionunlesssuchimprovem entsarerequiredby
currentbuilding codes.
HousingNeeds:Moneytorepairyourhomeislimitedtomakingyourhomesafeand
sanitarysoyoucanlivethere.IHPwillnotpaytoreturnyourhometoitscondition
beforethedisaster.Youmayuseyourmoneyprovidedforhousingneedstorepair:
• Structuralpartsofyourhome(foundation,outsidewalls,androof).

• Windows,doors,floors,walls,ceilings,andcabinetry.
• Septicorsewagesystem.
• Wellorotherwatersystem.
• Heating,ventilating,andairconditioningsystem.
• Utilities(electrical,plumbing,andgassystems).
• Entranceandexitwaysfromyourhome,includingprivatelyowned
accessroads.
www.fema.gov
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• Blocking,leveling,andanchoringofamobilehomeandreconnectingor
resettingitssewer,water,electricalandfuellines,andtanks.
OtherthanHousingNeeds:Moneytorepairdamagedpersonalpropertyortopayfor
disaster‐relatednecessaryexpensesandseriousneedsislimitedtoitemsorservicesthat
helppreventorovercomeadisaster‐relatedhardship,injuryoradversecondition.IHP
willnotpaytoreturnorreplaceyourpersonalpropertytoits conditionbeforethe
disaster.Youmayuseyourmoneyprovidedforotherthanhousingneedstorepairor
payfor:
• Disaster‐relatedmedicalanddentalcosts.
• Disaster‐relatedfuneralandburialcost.
• Clothing;householditems(roomfurnishings,appliances);tools
(specializedorprotectiveclothingandequipment)requiredforyourjob; 
necessaryeducationalmaterials(computers,schoolbooks,andsupplies).
• Fuelsforprimaryheatsource(heatingoil,gas,firewood).
• Disaster‐specifiedclean‐upitems(wet/dryvacuum,airpurifier,and
dehumidifier).
• Avehicledamagedbythedisaster.
• Movingandstorageexpensesrelatedtothedisaster(movingandstoring
propertytoavoidadditionaldisasterdamagewhiledisaster‐related
repairsarebeingmadetothehome).
• OthernecessaryexpensesorseriousneedsasdeterminedbyFEMA.

ImportantInformationAboutDisasterHelp
MoneyreceivedfromIHPforHousingandOtherthanHousingNeedsmustbeusedfor
eligibleexpensesonly,asidentifiedbyFEMA:
• IfyoudonotusethemoneyasexplainedbyFEMA,youmaynotbe
eligibleforanyadditionalhelpandmayhavetogivethemoneyback.
• Isusuallylimitedtoupto18monthsfromthedatethePresidentdeclares
thedisaster.
• Doesnothavetoberepaid.
• Istax‐free.
FEMA Disaster Helpline: 1-800-621-FEMA (3362) Hearing/Speech Impaired ONLY: Call 1-800-462-7585

6
• Isnotcountedasincomeoraresourceindeterminingeligibilityfor
welfare,incomeassistance,orincome‐testedbenefitprogramsfundedbythe
Federalgovernment.
• Isexemptfromgarnishment,seizure,encumbrance,levy,execution,
pledge,attachment,release,orwaiver.
• Maynotbereassignedortransferredtoanotherperson.
• Youmustkeepreceiptsorbillsfor3yearstodemonstratehowallofthe
moneywasusedinmeetingyourdisaster‐relatedneed.

Beforeyoubeginanyrepairs,checkwithyourlocalbuilding
departmenttofindoutwhatlocalpermitsorinspectionsarerequired.

IfYouAreEligibleForHelp
IfyourapplicationforhelpunderIHPhasmettherequiredconditionsandhasbeen
approved,themoneyorhelpyoureceivemustbeusedasdescribedbelow.Moneyfrom
thisprogrammaynotbeusedtopayforstayingwithfamilyorfriends.Belowisan
explanationofthecategories.
Dental:Moneytoaddressthecostofdentaltreatmentsduetodentalinjuriesreceived

duringthedisaster.
Funeral:Moneytoaddressthecostoffuneralservices,burialorcremation,andother
funeralexpensesrelatedtoadeathcausedbythedisaster.
HomeRepair:Money,availabletohomeowners,toaddressthecostoflaborand
materialstomakerepairstoyourhometomakeitsafe,sanitaryand/orfunctional.
HousingAssistance:Helpwiththecostofdisaster‐relatedhousingneeds.
Medical:Moneytoaddressthecostofmedicaltreatmentorthepurchaseofmedical
equipmentrequiredbecauseofphysicalinjuriesreceivedasaresultofthedisaster.
MovingandStorage:Moneytoaddressthecostsofmovingandstoringpersonal
propertyfromthedisaster‐damagedwellingtoavoidadditionaldisaster‐related
damage.
www.fema.gov
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Other:Moneytoaddressthecostofotherspecificdisaster‐relatedneedsapprovedfor
thedisaster.
Permanent/SemiPermanentHousing:Duetoalackofrentalresources,theinfeasibility
ofhomerepairandreplacementhousingassistanceandthelackofavailablebuilding
contractorsinyourarea,FEMAwillhaveyourhomerebuilt.
PersonalProperty:Moneytoaddressthecostofrepairingand/orreplacingdisaster‐
damageditems,suchasfurniture,bedding,appliances,andclothing.
RentalAssistance:Moneytoaddressthecostofrentinganotherplacetolive.For
homeowners,thismoneymaybeprovidedinadditiontoHomeRepair,ifneeded.
ReplacementHousing:Moneytohelpwiththecostofreplacingyourhome,uptothe
limitsallowedbylaw,becauseitisnotsafe,sanitary,and/orfunctional.
TransientAccommodations:Moneytoaddressthecostoftemporarylodgingexpenses
(hotelormotel)relatedtothedisaster.
Transportation:Moneytoaddressthecostofrepairingand/orreplacingyourvehicle 
thatisnolongerusablebecauseofdisaster‐relateddamage.
InformationAboutInsuranceandDisaster
Help


Ifyouhavenotalreadycontactedyourinsuranceagenttofileaclaim,pleasedothis
assoonaspossible.Failuretofileaclaimwithyourinsurancecompanymayaffect
youreligibilityforassistancefromIHP.Afterfilingyourclaim,ifanyofthefollowing
situationsoccur,pleasecalltheFEMADisasterHelplineat1‐800‐621‐FEMA(3362)for
additionalinformation.
• Yourinsurancesettlementisdelayed.Ifadecisiononyourinsurancesettlement
hasbeendelayedlongerthan30daysfromthetimeyoufiledtheclaim,youwill
needtowritealettertoFEMAexplainingthecircumstance.Youshouldinclude
documentationfromtheinsurancecompanyprovingthatyoufiledtheclaim.If
youfiledyourclaimoverthetelephone,youshouldincludetheclaimnumber,
datewhenyouapplied,estimatedtimeofhowlongitwilltaketoreceiveyour
settlement.AnyhelpawardedtoyoubyFEMAwouldbeconsideredanadvance
andmustberepaidtoFEMAonceaninsurancesettlementisreceived.
FEMA Disaster Helpline: 1-800-621-FEMA (3362) Hearing/Speech Impaired ONLY: Call 1-800-462-7585

8
• Yourinsurancesettlementisinsufficienttomeetyourdisaster‐relatedneeds.
Ifyouhavereceivedthemaximumsettlementfromyourinsuranceandstillhave
anunmetdisaster‐relatedneed,youwillneedtowritealettertoFEMA
indicatingtheunmetdisaster‐relatedneed.Youwillalsoneedtosendin
documentationfromyourinsurancecompanyforreview.
• YouhaveexhaustedtheAdditionalLivingExpenses(ALE)providedbyyour
insurancecompany.Ifyouhavereceivedthemaximumsettlementfromyour
insuranceforAdditionalLivingExpenses(LossofUse)andstillneedhelpwith
yourdisaster‐relatedtemporaryhousingneed,writealettertoFEMA,indicating
whyyoucontinuetohaveatemporaryhousingneed.Youwillalsoneedto
providedocumentationtoproveexhaustionofthehousingportionofyourALE
frominsurance,andapermanenthousingplan.
• Youareunabletolocaterentalresourcesinyourarea.TheFEMAHelplinehas

alistofrentalresourcesinthedisasterarea.Ifnoresourcesareavailableinyour
county,thentheHelplineagentcanprovideyouwithresourcesinanadjacent
county.
Youhaveuptotwelve(12)monthsfromthedateyouregisteredwithFEMAtosubmit
yourinsuranceinformationforreview.Bylaw,IHPcannotprovide moneyto
individualsorhouseholdsforlossesthatarecoveredbyinsurance.
IWanttoHaveMyCaseReviewedAgain
(Appeal)

Youmayappealanydecision.Appealsmayrelatetoyoureligibility,theamountor
typeofhelpprovidedtoyou,lateapplications,requeststoreturnmoney,orquestions
regardingcontinuinghelp.Whenyouappealadecision,youareaskingIHPtoreview
yourcaseagain.Beforeyouappealadecision,pleaserefertothespecificinformationin
thisguideaboutqualifyingforhelporrefertothelettersenttoyouaboutyour
eligibilityforassistance.Thisguideshouldanswermostofyourquestionsaboutthe
expensescoveredunderthisprogram.
If,afteryoureviewthisguide,youstilldonotagreewiththedecisionaboutyour
applicationorhelpreceived,followthesestepsbelowtoappealthedecision:
StepsforfilinganAppeal:
1. Explaininwritingwhyyouthinkthedecisionabouttheamountortype ofassistance
youreceivedisnotcorrect.
www.fema.gov
9
• Whensubmittingyourletter,pleaseincludeyourfullname,dateandplaceof
birth,andaddress.Inaddition,yourlettermustbeeithernotarized,includea
copyofastateissuedidentificationcard,orincludethefollowingstatement,“I
herebydeclareunderpenaltyofperjurythattheforegoingistrueandcorrect.”
Youmustsigntheletter.
• Ifsomeoneotherthanyouortheco‐applicantiswritingtheletter,thena
statementmustbeincludedsayingthatthatpersonmayactforyou.

2. IncludetheFEMAapplicationnumberanddisasternumber(shownatthetopof
yourdecisionletter)inyourletterofappeal.
3. Mailyourappealletterto:
FEMA
NationalProcessingServiceCenter
P.O.Box10055
Hyattsville,MD20782‐7055
4. Youcanfaxyourappealletterto:
(800)827‐8112
Attention:FEMA
IMPORTANT:TobeconsideredbyIHP,yourappeallettermustbepostmarkedwithin
60daysofthedateoftheindividualorhouseholddecisionletter’sdate.Rememberto
dateyourletters.
Requestingyourfile:
Ifyouneedinformationaboutyourcase,youortheco‐applicanton yourapplication
mayrequestacopyoftheinformationinyourfilebywritingto:
FEMA–RecordsManagement
NationalProcessingServiceCenter
P.O.Box10055
Hyattsville,MD20782‐7055
Tohelpprotecttheprivacyofyourpersonalinformation,wheneveryouwriteanappeal
orrequestlettertoFEMAyoushouldincludeyourfullname,dateandplaceofbirth,
damageddwellingaddress,FEMAapplicationnumber,anddisasternumber.In
addition,yourlettermustbeeithernotarized,includeacopyofastateissued
identificationcard,orincludethefollowingstatement,“Iherebydeclareunderpenalty
ofperjurythattheforegoingistrueandcorrect.”Youmustsigntheletter.
FEMA Disaster Helpline: 1-800-621-FEMA (3362) Hearing/Speech Impaired ONLY: Call 1-800-462-7585

10
Ifsomeoneotherthanyouortheco‐applicantissubmittingyourappealorrequestinga

copyofyourfile,thentherequestalsomustcontainastatementfromyougivingthat
personyourauthorizationtorequestthisinformation.
RebuildingandRepairing—Mitigation
Measures
Mitigationmeasuresarebuildingimprovementsthatreducetheriskofdamagein
futureevents.Afteramajordisaster,youwillmakemanydecisionsasyourebuildor
repairpropertythatwasdamaged.Someofthesedecisionscouldhelppro tectyour
propertyfromdamageifanotherdisasteroccurs.Forexample,ifappliancesormajor
utilitiesareraisedofftheground,thelikelihoodofdamagefromfloodingisreduced.
AFEMAMitigationAdvisoratyourlocalDisasterRecoveryCentercangiveyoumore
informationaboutreducingfuturelossesthroughmitigation.Listedbelowareafew
examplesofmitigationmeasures.
• Elevateorrelocateanelectricalpanel.
• Elevateorrelocateaclotheswasherordryer.
• Anchorafuelstoragetank.
• Levelandanchoramobilehome.
• Elevate,relocate,orstrapawaterheater.
• Relocateaheatingunit


Elevationofahotwaterheater,furnace,washeranddryer.

www.fema.gov
11
Forinformationaboutmitigationprojectssuchastheoneshownonthispage,callor
visityourlocalemergencymanagementplanningofficial,StateHazardMitigation
Officer,orFEMAstaffataDisasterRecoveryCenter.Informationonmitigationalsois
availableat:www.fema.gov
.
Toorderpublicationsaboutmitigationprojects,callFEMAP ubl icationsat1‐800‐480‐

2520.
InformationAboutAdditionalDisaster
AssistanceProgramInformation
Thissectioncontainsagenerallistingofthetypesofdisasterhelpavailableduringa
Presidentiallydeclaredmajordisaster.Duringamajordisasterifyoufeelyouhave
disaster‐relatedneedsthatcanbeaddressedbyanagencyorservicelistedinthis
section,youshouldcontacttheFEMADisasterHelplineat1‐800‐621‐FEMA(3362)
(hearing/speechimpairedONLY—call1‐800‐462‐7585)forreferralinformation.
AgingServices:Servicesareavailabletomeettheneedsoftheelderlywhohavebeen
directlyaffectedbyadeclareddisaster(i.e.,transportation,meals,homecare,etc.).
AgriculturalAid:TheUSDARuralDevelopmentmaymakeemergencyloanstofarmers
andranchers(ownersortenants)whowereoperatingandmanagingafarmorranchat
thetimeofthedisaster.Theseloansarelimitedtotheamountnecessarytocompensate
foractuallossestoessentialpropertyand/orproductioncapacity.Farmersandranchers
mayalsoapplyforcostsharinggrantsforemergencyconservationprogramssuchas
debrisremovalfromcrop/pasturelands,repairstoland/waterconservationstructures,
andpermanentfencing.FurtherinformationisavailablefromtheUSDAFarmService
Agency(FSA).
AssistanceFromFinancialInstitutions:BanksthataremembersoftheFederalDeposit
InsuranceCorporation(FDIC),FederalReserveSystem(FRS),ortheFederalHomeLoan
BankBoard(FHLBB)maypermitearlywithdrawaloftimedeposits,withoutpenalty.
Contactyourfinancialinstitutiontoseeiftheyhaveobtainedawaiverfromtheir
regulatoryagency.
BusinessLoanProgram:DisasterloansthroughtheSmallBusinessAdministration
(SBA)areavailabletobusinessestorepairorreplacedestroyedordamagedbusiness
facilities,inventory,machinery,orequipment.Themaximumloanamountis$1,500,000.
Ifyouhavebeenreferredtothisprogramyouwillbereceivinganapplicationpackage
inthemail.Formoreinformationorhelpincompletingthisform,refertoyourSBA
applicationpackageortheSBAwebsiteatwww.sba.gov
.

FEMA Disaster Helpline: 1-800-621-FEMA (3362) Hearing/Speech Impaired ONLY: Call 1-800-462-7585

12
ConsumerServices:Counselingisavailableonconsumerproblemssuchasnon‐
availabilityofproductsandservicesneededforreconstruction,pricegouging,
disreputablebusinessconcernsandpractices,etc.
CrisisCounseling:Referralservicesandshort‐terminterventioncounselingisavailable
formentalhealthproblemscausedoraggravatedbythedisaster.
DisasterUnemploymentAssistance:Thisassistanceprovidesweeklybenefitpayments
tothoseoutofworkduetothedisaster,includingself‐employedpersons,farmand
ranchowners,andothersnotcoveredunderregularunem ploymentinsurance
programs.
EmergencyAssistance:Emergencyfood,clothing,shelter,andmedicalassistancemay
beprovidedtoindividualsandfamilieshavingsuchneedsasaresultofthedisaster.
TheAmericanRedCross(ARC),theSalvationArmy,churchgroups,andother
voluntaryorganizationscanprovideassistance.
FinancialCounseling:Providesfinancialandeconomicguidanceandassistanceto
individualsandsmallbusinessesaffectedbydisasters.HopeCoalitionAmerica
offers
freefinancialcounselingandprovideshelpfuldocumentssuchasthe“Emergency
FinancialFirstAidKit”andthe“PersonalDisasterPreparednessGuide.”These
documentsareavailableandcanbedownloadedforfreefromtheirwebsiteat
www.operationhope.org
.Formoreinformationyoucancall:1‐888‐388‐HOPE(4673).
HazardMitigation:Youmayreceivefundstopreventfuturedamagetoyourmajor
utilities(i.e.,furnace,waterheater,andelectricalservice)byeitherelevationor
relocationoftheseutilitiesinyourhome.
HomeandPersonalPropertyLoanProgram:DisasterloansthroughtheSmallBusiness
Administration(SBA)areavailabletohomeownersandrentersforrestoringorreplacing
disasterdamagedrealandpersonalproperty.Themaximumrealestateportionofthe

loanis$200,000andforpersonalproperty$40,000.Theloanamountislimitedtothe
amountofuninsuredSBAverifiedlosses.Ifyouhavebeenreferredtothisprogramyou
willfindmoreinformationintheʺApplicationSummaryʺonthebackoftheDisaster
AssistanceApplicationForm.
InsuranceInformation:Helpand/orcounselingisavailableoninsuranceproblemsand
questions,whichmayincludeobtaining copiesoflostpolicies,claimsfiling,expediting
settlements,etc.Ifyouhavenotbeenabletoresolveyourproblemwithyourinsurance
companyyoumaycontactyourStateInsuranceCommissioner.Forfloodinsurance
inquiries,contacttheNationalFloodInsuranceProgram(NFIP).
www.fema.gov
13
LegalServices:Freeorreducedlegalservices,includinglegaladvice,counseling, and
representationmaybeprovidedtolow‐incomedisastervictims.
SocialSecurity:Helpisavailablefrom theSocialSecurityAdministration(SSA)in
expeditingdeliveryofchecksdelayedbythedisasterandforassistanceinapplyingfor
SocialSecuritydisabilityandsurvivorbenefits.
FederalTaxAssistance:ThefederaltaxlawsallowtheInternalRevenueService(IRS)to
grantrelieftotaxpayerswhoarevictimsofaPresidentiallydeclareddisaster.Thisrelief
includespostponingtaxdeadlinestoprovideyouwithextratimetofileandpaybefore
youwillbeassessedanypenalty,additionalamount,oradditiontothetax,orabating
yourinterestforperiodsforwhichyoureceivedanextensionoftimetofiletaxreturns 
andpaytaxesbecauseyouwerelocatedinaPresidentiallydeclareddisasterarea.
Generally,qualifieddisasterreliefpaymentsarenotrequiredtobereportedingross
income.Qualifieddisasterreliefpaymentsincludepaymentsreceivedfromanysource
topayreasonableandnecessarypersonal,family,living,orfuneralexpensesincurredas
aresultofaPresidentiallydeclareddisaster.TheIRSmayallowcasualtylossesthat
weresufferedonhome,personalproperty,andhouseholdgoodstobedeductedonthe
incometaxreturniftheyarenotcoveredbyinsurance.Taxpayersmayalsofilean
amendedreturntoreceiveanearlytaxrefund. Moreinformation,formsand
publicationscanbefoundontheIRSwebat

/>108362,00.html.
OtherTaxAssistance:Countytaxassessorsmayprovideinformationandassistanceon
possiblepropertytaxrelief.
VeteranʹsBenefits:TheVeteransAdministration(VA)canexpeditedeliveryof
informationaboutbenefits,pensions,insurancesettlements,andVAmortgageloans.
FEMA Disaster Helpline: 1-800-621-FEMA (3362) Hearing/Speech Impaired ONLY: Call 1-800-462-7585

14

FrequentlyAskedQuestionsandAnswers
1. DisasterAwards:FederalEmergencyManagementAgency(FEMA)
WhatisFEMA?FEMAistheFederalEmergencyManagementAgency,whichis
responsibleforprovidingandcoordinatingemergencyservicesinPresidentially
declareddisasterareas.FEMAworksasapartnerwithotherpartsoftheFederal
governmentandwithStateandlocalgovernmentsandvoluntaryorganizations.
Whattypesofdisasterassistanceprogramsareavailablein adisaster?Therearetwo
primaryFederalprogramsthatofferdisasterassistance:
• FEMA’sIndividualsandHouseholdsProgramprovidesmoneyanddirect
servicestothoseaffectedbyamajordisaster.Requirementsmustbemetto
qualifyforhelpfromthisprogram.
• TheU.S.SmallBusinessAdministrationprovides low‐interestloansfor
damagetopropertyownedbyhomeowners,renters,businesses andpriv ate
non‐profitorganizationsthatarenotfullycoveredbyinsurance.
Doesdisasterhelphavetoberepaid?MoneyreceivedthroughFEMA’sIndividualsand
HouseholdsProgramdoesnothavetoberepaid.LoansfromtheSmallBusiness
Administrationmustberepaid.
CanIapplyforassistanceformyda magedcar?Yes.Youwillneedtoprovideproofof
ownershipandinsuranceinformation.
CanIapplyforassistanceforfoodthathasbeenlostbecauseofthedisaster?No.Food
lossisnotcoveredbyIHP.Voluntaryorganizationsinthedisasterareamaybeableto

helpyouwithfoodneeds.
Willanyprogrampayformovingandstorageexpenses?Costsofmovingandstorage
maybecoveredbyIHP,ifthesecostsaredirectlyrelatedtothedisaster.Submitreceipts
toIHPtoseeiftheyarecovered.
WhathappensafterIapplyforhelpwithFEMA?Withinabouttendaysofyour
applicationtoFEMA,ifyouareuninsuredorlacktheappropriateinsurancecoverage,a
qualifiedinspectorwillcontactyoutosetupatimetoseethedamagetoyourproperty
thatwascausedbythedisaster.YourlosseswillberecordedandsubmittedtoIHP.
Withinabouttenmoredays,youshouldhaveadecisionfromIHPaboutwhetheryou
qualifyforhelpfromIHP.IfyouhavebeenreferredforadisasterloanfromtheU.S.
SmallBusinessAdministration(SBA),SBAalsowillcontactyouandschedulean
appointmenttoreviewyourdisaster‐relatedlosses.
www.fema.gov
15
HowlongwillittaketogetFEMA/Statedisasterhelp?Ifyouareeligibleforhelp,you
shouldreceiveaU.S.Treasury/Statecheckornotificationofadeposittoyourbank
accountwithinabouttendaysoftheinspector’svisit.Othertypesofassistancemaybe
providedlater,basedonspecificeligibilityandneed.
IfIhavequestionsaboutmyapplicationorneedtochangesomeoftheinformationI
provided,whatshouldIdo?CalltheFEMADisasterHelplineat1‐800‐621‐FEMA(3362)
(hearing/speechimpairedonly:1‐800‐462‐7585)orvisitourwebsiteatwww.fema.gov
.
Ifithasbeenmorethan12dayssincetheFEMAinspector’svisitandtherehasbeenno
wordfromFEMA,whatshouldIdo?CalltheFEMADisasterHelplineat1‐800‐621‐
FEMA(3362)(hearing/speechimpairedonly:1‐800‐462‐7585)visitourwebsiteat
www.fema.gov
tocheckonthestatusofyourapplication.IfthereisaDisasterRecovery
Center(DRC)inyourarea,youalsomayinquirethereaboutyourapplication.
IfIdonotagreewiththeresultsoftheinspectionorwiththeamountofmoneyI
receivedfromFEMA,whatshouldIdo?Youcanappealthedecision.Appeal

proceduresareoutlinedinthisguide(page9),oryoucancalltheFEMADisaster
Helplineat1‐800‐621‐FEMA(3362)(hearing/speechimpairedonly:1‐800‐462‐7585)for
informationabouttheappealprocess.
What type of ownership documentation can I provide to support my applicatio n  for
help?Belowareafewtypesofdocumentsthatmaybeprovidedtoproveownership:
• Deed or Official record
 may be the original deed or deed of trust to the
propertylistingyouasthelegalowner.
• Title number
 which lists you on the actual escrow or title documentfor the
purchaseofthedwelling.
• Mortgage payment book
 or other mortgage documents (i.e. late payment
notice, foreclosure notice) may be used to verify the ownership when your
nameislistedalongwiththedamageddwellingaddress.
• Realpropertyinsurance
must be forthedamaged dwelling withyourname
listedastheInsured.
• Taxreceiptsorapropertytaxbill
showingthedamageddwellingandlisting
youastheresponsiblepartytotheassessments.
WhattypeofoccupancydocumentationcanIprovidetosupportmyapplicationfor
help?Belowareafewtypesofdocumentsthatmaybeprovidedtoproveoccupancy:
FEMA Disaster Helpline: 1-800-621-FEMA (3362) Hearing/Speech Impaired ONLY: Call 1-800-462-7585

16
• Utility Bill for the damaged dwelling with your name (or name of co‐
applicant).The utility bill should be for one of the major utilities, such as
electricity,gas,orwater.
• Merchantʹs Statement

 sent to the damaged dwelling with  your name (or
name of co‐applicant).Merchant statements include: credit card bills,
delivery notices, or other first class mail addressed to you and showing the
damageddwellingaddress.
• Employerʹs Statement
 sent to the damaged dwelling with your name (or
name of co‐applicant).An employerʹs statement refers to pay stubs and
similardocumentssenttoyouandshowingthedamageddwellingaddress.
• Current Driver and Non ‐Driver’s License
 showing the address of the
damageddwelling.
WherecanIgetinformationaboutfloodinsurance?Callalocal,licensedcasualtyor
propertyinsuranceagentorcalltheNationalFloodInsuranceProgramat1‐800‐427‐
4661.
ShouldIbegincleaningmyhomebeforetheinspection?Youmaycleanbeforethe
inspection.Ifpossible,takephotosofthedamagebeforeyouclean.
ShouldIkeepmyreceipts?Yes,youshouldkeepreceiptsforallofyourexpenses.
2. DisasterLoans:U.S.SmallBusinessAdministration(SBA):
WhydidIreceiveadisasterloanapplicationfromSBAafterapplyingwithFEMA?
SBAistheprimarysourceoffederalfundsforlong‐termrecoveryassistancefordisaster
victims.Fordisasterdamagetoprivatepropertyownedbyhomeowners,renters,and
non‐farmbusinessesofallsizes,whichisnotfullycoveredbyinsurance,thebasicform
ofFederalhelpisalow‐interestdisasterloanfromtheSBA.Bymakingaffordableloans,
theSBAdisasterloanprogramhelpsdisastervictimspayfortheirrepairswhilekeeping
coststothetaxpayerreasonable.
HowcanIgethelpfillingouttheapplicationforanSBAdisasterloan?SBAhasloan
officersinSBAlocaldisasterofficestoprovideface‐to‐faceservicetodisastervictims.
YoumayvisitSBAatanyoftheselocations,andwithoutanappointment.AnSBA
representativewillbegladtoanswerquestionsandtohelpcompleteyourapplication.
TofindoutwhereSBAdisasterofficesarelocated,callSBAtoll‐freeat1‐800‐488‐5323.

IfIhavealreadyreceivedacheckfromFEMA,butitwasno tenoughtopayforallthe
workneededtofixthedisasterdamages,canIgetmorehelp?Yes.SBAdisasterloans
areavailabletocovertheamountofrepaircoststhathavenotalreadybeenfully
www.fema.gov
17
compensated.ApplicationshouldbemadetoSBAforanyadditionalamountneededto
completerecovery.
IthinkIcanpayfortherepairsonmyown,should Iapplyforadisasterloan?You
maydiscoverthatthetotalcoststocompleterepairsonyourownaremorethanyou
planned.WithanapprovedSBAloan,youwillknowthatthefundstomakefullrepairs
areavailable.Whilenoonewantsadditionaldebt,alowinterestloanwithaffordable
paymentsisabetteralternativethannotmakingcompletedisasterrepairs.
WhathappensifIcannotaffordaloantorepairdamagedproperty?IfSBAdetermines
youcannotaffordaloan,SBAwillautomaticallyreferyoubacktoFEMAforadditional
help.FEMAmaybeabletoprovidemoneyforotherthanhousingneeds;however,this
additionalhelpisnotavailabletobusinesses.FEMA’sadditionalhelpisintendedto
helpmeetnecessaryexpensesandseriousneedsnotmetbyanyotherformofassistance,
includinginsuranceandSBAdisasterloans.Remember,ifyouweresentanSBA
disasterloanapplication,SBAwillnotreferyoubacktoFEMAunlessacompletedloan
applicationisreturnedtotheSBAandSBAdeterminesthatyoucannotaffordaloan.
YoudonothavetosubmitanSBAloanapplicationtobeconsideredforFEMArental
assistance.
3. YourCivilRightsandDisasterAssistance
WhatformsofdiscriminationdoCivilRightslawsprohibit?Therearemanyformsof
illegal discrimination that can limit the opportunity of people to gain equal access to
servicesandprograms.Amongotherthings,inoperatingaFEMA‐assistedprogram,a
recipient (state or local government agency that receives Federal disaster funds from
FEMA) cannot, on the basis of race, color, religion, nationality, sex, age, or economic
status,eitherdirectlyorthroughcontractualmeans:
• Denyprogramservices,aidsorbenefits;

• Provide a different service, aid or benefit, or provide them in a manner
differentthantheyareprovidedtoothers;or,
• Segregate or separately treat individuals in any matter related to the
receiptofanyservice,aid,orbenefit.
These prohibitions also apply to FEMA itself in its operation of federally conducted
programs.
WhatifIhaveaCivil Rightscomplaint?Each Federal Agency that provides Federal
financial assistance is responsible for investigating complaints of discrimination in the
use of its funds.If you believe you or others protected by the Civil Rights laws have
been discriminated against in receiving disaster assistance, you may contact one of
FEMA Disaster Helpline: 1-800-621-FEMA (3362) Hearing/Speech Impaired ONLY: Call 1-800-462-7585

18
FEMA’s Equal Rights Officers (ERO), who has the job of ensuring equal access to all
FEMAdisasterprograms.TheEROwillattempttoresolveyourissues.Youmayreach
theERObycalling1‐800‐621‐FEMA(1‐800‐621‐3362)orTTY1‐800‐462‐7585.
If the matter is not resolved, you may file a complaint with FEMA.A signed, written
complaintshouldbesenttotheOfficeofEqualRights,generallywithin180daysofthe
dateoftheallegeddiscrimination.Thecomplaintmustinclude:
• Your name, address, and telephone number.Your complaint must be
signed.Ifyouarefilingonbehalfofanotherperson,includeyourname,
address, telephone number, and your relationship to that person  (e.g.,
friend,attorney,parent,etc.)
• The name and address of the agency, institution or department you
believediscriminatedagainstyou.
• How,why,andwhenyoubelieveyouwerediscriminatedagainst.
Includeasmuchbackgroundinformationaspossibleaboutthealleged
actsofdiscrimination.Includenamesofindividualswhom youallege
discriminatedagainstyou,ifyouknowthem.
• The names of any persons, if known, that FEMA could contact for

additional information to support or clarify your allegations about
discriminationintheoperationoffederallyconductedprograms.
WhatwillFEMAdowithmycomplaint?Onceacomplaintisfiled,itwillbereviewed
by FEMA to determine whether it has jurisdiction to investigate the issues you have
raised.If your complaint is accepted, FEMA will investigate it and attempt to resolve
any violations that are found.If negotiations to correct a violation are unsuccessful,
enforcementproceedingsmaybeinstituted.
What if I am retaliated against for asserting my right s or filing a complaint?You
should be aware that a recipient or a Federal agency is prohibited from retaliating
againstyouoranypersonbecauseheorsheopposedanunlawfulpolicyorpractice,or
madecharges,testified,orparticipatedinanycomplaintactionunderaCivilRightslaw.
If you believe that you have been retaliated against, you should immediately contact
FEMA’sOfficeofEqualRights.
www.fema.gov
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DescriptionofIneligibleReasons
1. InitialDecisions
I69B–Ineligible–SignatureNotObtained(90‐69B):BasedonFEMArecords,no
signedDeclaration&ReleaseForm(90‐69B)fortheapplicationisonfile.Thisformis
requiredbeforeFEMAcanprovideassistance.

IAW–Ineligible‐SameAddress:BasedonFEMArecords,atthetimeofthedisaster
theapplicantwaslivingatthesameaddressassomeonewhoalreadyappliedforFEMA
housingassistance.FEMAcanonlyprovideassistanceforoneapplicationperaddress.

IDUPA–Ineligible–DuplicateRegistration:BasedonFEMArecords,anapplicant
alreadyhasanapplicationforassistanceonfileforthisdisaster.FEMAcanonly
considerasingleapplicationfromanapplicant.

IID–Ineligible–InsufficientDamage:BasedonaFEMAinspection,itwas

determinedthatthedisasterhadnotcausedtheapplicant’shometobeunsafetolivein.
Thisdeterminationwasbasedsolelyonthedamagestothehomethatarerelatedtothe
disaster.

IIDV–Ineligible–FailedIdentityVerification:Beforeweareabletoconsideran
applicationfordisasterassistance,FEMAisrequiredtoverifytheinformationprovided
onanapplication.Atthistimeweareunabletomatchtheapplicantnameandsocial
securitynumberinordertoverifyidentity.

IMI–Ineligible–MissedInspection:Basedonourrecords,theapplicantdidnotkeep
appointmentswiththeFEMAinspector.InordertobeconsideredforFEMAhousing
assistance,theapplicant(oranotherhouseholdmemberovertheageof18)mustmeet
withtheinspectortoevaluatethedisasterrelateddamagestothehome.Atthistime,the
applicantisnoteligibletobeconsideredforFEMAhousingassistance.

INCI–Ineligible–NoContactInspection:AFEMAinspectorhasnotbeenableto
contacttheapplicanttoscheduleanappointment.InordertobeconsideredforFEMA
housingassistance,theapplicant(oranotherhouseholdmemberovertheageof18)
mustmeetwithaninspectortoevaluatethedisasterrelateddamagestothehome.At
thistime,theapplicantisnoteligibletobeconsideredforFEMAassistance.

INFI–Ineligible–FloodInsurance:Basedonourrecords,thehomethattheapplicant
livedinatthetimeofthedisasteriscoveredbyfloodinsurance.Atthistime,the
FEMA Disaster Helpline: 1-800-621-FEMA (3362) Hearing/Speech Impaired ONLY: Call 1-800-462-7585

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applicantisnoteligibleforassistancefordamagestothehomethatarecoveredbyflood
insurance.

INI–Ineligible–Insurance(withinspection):Basedonourrecords,thehomethatthe

applicantlivedinatthetimeofthedisasteriscoveredbyinsurance.Anydamages
identifiedintheFEMAinspectionshouldbecoveredbytheapplicantʹsinsurance.
FEMAcannotprovideassistancewhichisavailablefromanothersource,including
insurance;therefore,theapplicantisnoteligibleforFEMAhomerepairorreplacement
assistanceatthistime.Theapplicantshouldfileaclaimwiththeirinsuranceagentas
soonaspossiblebecauseFEMAmaybeabletoassistwithlossesnotcoveredby
insurance.

INO‐Appeal–Ineligible–InsuranceCoversLivingExpenses:Basedonthe
informationtheapplicantsubmitted,theinsurancehe/shehasonhis/herhomeprovides
fundstorentatemporaryplacetolivewhilerepairsarebeingmadetothehome.We
havenotreceiveddocumentsthatshowtheapplicanthasusedallavailablefundsfor
rentingatemporaryplacetoliveorthattheinsurancesettlementhasbeendelayed
longerthan30‐daysfromwhentheapplicantfiledaclaim.Asaresult,theapplicantʹs
appealisdeniedandhe/sheisnoteligibletoreceiverentalassistancefromFEMA.

INO–Ineligible–NotaLegalResident:AsignedDeclarationandReleaseForm(90‐
69B)isrequiredbeforeFEMAcanconsideranapplicantforanyassistancehe/shemay
beeligibletoreceive.Basedonourrecords,theapplicanthasnotindicatedthathe/she
oramemberofhis/herhouseholdisaU.S.Citizen,Non‐CitizenNational,oraQualified
Alien.Asaresult,theapplicantisnoteligibleforFEMAassistance.

INO–Ineligible–OwnershipNotProven:Ourrecordsindicatethattheapplicanthas
notproventhathe/sheownedthehomeatthetimeofthedisaster.Asaresult,the
applicantisnoteligibleforFEMAhomerepairorreplacementassistance.

INONV–Ineligible–OccupancyNotVerified:When theapplicantappliedforFEMA
assistance,he/sheinformedFEMAthatthehomedamagedbythedisasterwaswhere
he/shelivethemajorityoftheyear.AtthetimeoftheFEMAinspection,theapplicant
wasunabletoprovidedocumentsthatdemonstratethatthehomeweinspectediswhere

he/shelive(d).Untilwecanverifythattheapplicantlivedattheaddressprovided,the
applicantisnoteligibleforFEMAhousingassistance.

INR–Ineligible–WillNotRelocate:BasedonFEMArecords,theapplicanttoldthe
FEMAinspectorthathe/sheisnotgoingtomovefromhis/herdamagedhomewhile
repairsarebeingmade.Sincetheapplicantdoesnotplantomove,he/sheisnoteligible
forFEMArentalassistanceatthistime.

www.fema.gov
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