If you have insurance you should file a claim with your insurance company when you apply for assistance from FEMA
- FEMA cannot aid with losses already covered by insurance
- If your insurance does not cover all your losses or is delayed, you may be eligible for FEMA assistance regarding your unmet needs
REVIEWING YOUR APPLICATION
You should create an online FEMA Disaster Assistance Center (DAC) account at DisasterAssistance.gov. You will be instructed to create a unique PIN for secure access to your disaster assistance application information.
Here is what you can do within your online account:
- Review your disaster assistance application information
- Provide updates pertaining to your personal information and needs
- View letters and messages sent to you by FEMA
- Get details on additional documents that FEMA needs to process your assistance
- Upload documents your file
- Review information that FEMA has received from you
HOME OWNERSHIP & OCCUPANCY VERIFICATION
FEMA is required to verify you lived at the address in your application as your primary residence before providing assistance. FEMA will try to verify occupancy and ownership by using an automated public records search. You will be asked to provide documents to prove occupancy and/or ownership of the home listed in your application if FEMA cannot verify you lived in or owned the home.
Click HERE to view a list of approved documents to verify your homeownership and/or occupancy.
Like your homeowner and occupancy verification, if FEMA is unable to verify your identity during the application process, you will be required to submit supporting documents.
Supporting documents for identity verification
(1) To verify your identity, send FEMA any of these documents:
- Documentation from the Social Security Administration, or other federal entity, containing full or last four digits of your Social Security Number (SSN)
- Social Security card if sent with a federal or state-issued identification
- Employer’s payroll document containing full or last four digits of your SSN
- Military identification
- Marriage license to confirm proof of maiden name
- U.S. passport
(2) If you applied for assistance on behalf of a U.S. minor (child) citizen for your household, you must send FEMA the following:
- Any of the documents listed above, if in the child’s name OR
- Child’s birth certificate AND a copy of the child’s Social Security card or documentation from the Social Security Administration, or other federal entity, containing the full or last four digits of the child’s SSN
HOW TO SUBMIT DOCUMENTATION
The easiest way to submit documentation to FEMA is to use your account at DisasterAssistance.gov
Alternatively, FEMA has documentation drop-off centers where you can apply for assistance, ask questions, and have your documents scanned into your case file
Click HERE to find a disaster recovery and document drop-off center
FEMA may determine that an inspection is needed to verify disaster-related damage to your home and personal property after reviewing your application. Typically, if you reported on the application that you can live in your home, FEMA will send you a letter explaining how to call the FEMA Helpline to request an inspection if you find significant disaster-related damage to your home after you applied.
Please Note: Due to COVID-19, FEMA will conduct exterior inspections until further notice. All inspections will be conducted in person without entering your residence.
During your initial inspection, the inspector validates damage from the exterior of the home and from questioning the applicant about their damage.
Important information to have on-hand during the inspection:
- An ID with your picture on it
- List of household occupants living in the home at the time of disaster
- All disaster-caused damages to both real and personal property
If you receive a letter stating that you are ineligible for assistance or that your application is incomplete, you can still complete the application or appeal the decision within 60 days of receiving a decision letter. It is important to check the status of your application frequently.