3 Questions To Ask Your FEMA Representative After a Flood

10/12/2021 (Permalink)

Asking the right questions can streamline this process and give you peace of mind for the future.

When a major flood affects your home in Colorado Springs, CO taking the first steps toward recovery can be difficult. You may have many questions, including how to qualify for assistance from the Federal Emergency Management Agency. FEMA can help you and your family recover when floodwater causes serious damage to your home, and there are several questions you can ask your representative or inspector once he or she arrives at your property, as the answers may help you gain peace of mind in the wake of a serious flood.

What To Ask At Your FEMA Representative

What Is the First Step in Qualifying for Assistance?

If your neighborhood or county has been declared a disaster area after a flood, then it is likely you will qualify for help. Use a family member or friend’s phone to access the department’s helpline or visit their website. From there, you can download forms and applications. A representative will likely contact you soon after.

How Does Homeowner’s Insurance Affect Assistance?

You may still qualify for FEMA assistance if your home is insured. However, you must first file a claim with your insurance company and then supply the Federal Emergency Management Agency with a letter that states the company’s findings. For example, if your insurance company denies any compensation because your policy does not cover flood damage, the agency will likely need a written statement before an inspector is sent to your property. If your home is covered by flooding insurance, the agency may inspect your home to determine whether you qualify for help not covered by that policy.

What if Home Repairs Have Already Been Made?

If you have made any repairs to your home or called in flood damage and restoration company to handle the job, you may qualify for reimbursement. However, it is important that you take photos of the damage and the restoration job, as well as keep careful track of any expenses you incur during the repair phase, so you have proof of what you spent.

When a serious flood causes damage to your home, FEMA can help you