If someone does not have flood insurance...Should you come across a neighbor with damage, who does not have a flood policy, they can apply for Federal Disaster Assistance.
What it does:
Includes grants/Small Business Administration Loans to help pay for temporary housing, emergency home repairs, uninsured and underinsured personal property losses and medical, dental and funeral expenses caused by the disaster, along with other serious disaster-related expenses. FEMA provides grants to qualified homeowners to repair damage not covered by insurance, but these grants may not pay for all the damage. However, an SBA disaster loan may return a home to its pre-disaster condition.
Who can apply:
Homeowners and renters alike can qualify for FEMA grants and SBA disaster loans. FEMA’s Housing Assistance program is available, regardless of income, but aid for other losses such as personal property, vehicle repair or replacement, and moving and storage expenses is income-dependent and officials make decisions on a case-by-case basis. To be considered for a grant for these types of losses, the applicant must complete an application for an SBA loan. NOT EVERYONE IS APPROVED.
- Current designated counties: Aransas, Bee, Brazoria, Calhoun, Chambers, Fort Bend, Galveston, Goliad, Harris, Jackson, Kleberg, Liberty, Matagorda, Nueces, Refugio, San Patricio, Victoria, Wharton
How to Apply:
www.DisasterAssistance.gov or call 800-621-3362 or (TTY) 800-462-7585, 7 a.m. to 10 p.m. seven days a week. Those who use 711-Relay or Video Relay Services can call 800-621-3362
What to Expect:
They will receive a phone call from a FEMA inspector to arrange for a survey of the damages. This will come just days after you register. All FEMA inspectors will have official identification. They do not approve or deny claims or requests; those come after the inspection results are submitted. FEMA inspectors do not ask for money and do not recommend contractors to make repairs.
- They can check the status of their application by going online to www.DisasterAssistance.gov or call the toll-free FEMA Helpline at 800-621-3362 (FEMA) or (TTY) 1-800-462-7585.