Contact FEMA with Insurance Settlement Documentation
Survivors who suffered wind and water damage from Hurricane Irma and find themselves insured for some, but not all damages, may initially be designated ineligible for FEMA disaster assistance due to insurance coverage.
Even if you received an initial denial from FEMA, you may be eligible later for help after your insurance claims have been settled if you can demonstrate that your insurance didn’t cover essential needs.
Contact your insurance company and request a settlement letter that details exactly what is covered under the claim.
FEMA cannot duplicate insurance payments but may be able to help where homeowners and/or flood insurance did not.
You have up to 12 months from the date you apply with FEMA to submit your insurance settlement records for review. If your settlement has been delayed longer than 30 days from the time you filed your claim, you may write FEMA to explain the reason for the delay. Any funds you get from FEMA would then be considered an advance and must be repaid when you get your settlement.
If you’ve received a letter saying you’re ineligible, whether because of insurance coverage or another reason, additional documentation may be all that is needed to change it. It’s important to read your letter carefully to understand FEMA’s decision so you will know exactly what you need to do.
Examples of documentation are proof of residence, proof of ownership of the damaged property, and proof that the damaged property was your primary residence at the time of the disaster.
You can submit missing documentation to FEMA online at www.disasterassistance.gov or by visiting a Disaster Recovery Center. A list of DRCs is available on the FEMA App or by calling 800-621-3362.
You may mail:
FEMA – Individuals & Households Program
National Processing Service Center
P.O. Box 10055
Hyattsville, MD 20782-7055
Or fax your documentation to:
Attention: FEMA – Individuals & Households Program
For more recovery information, visit www.FEMA.gov/IrmaFL, or follow us @FEMARegion4 on Twitter and on FEMA’s Facebook page.

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