Your Questions Regarding Insurance Due to Hurricane Harvey Answered by Us

Due to recent weather-related events in Texas, we’d like to take the time to answer a few of your hard-pressed questions regarding Hurricane Harvey and how your insurance coverage plays into it. Please take the time to get yourself caught up on this very serious topic that will affect countless Texans.

Reminder, some FEMA help is available with or without flood insurance. See the Federal Aid Programs link for details.

FEMA Resources:

Frequently Asked Questions

What types of FEMA grants are available?
Disaster assistance may include grants 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.

What happens after I register?
You will receive a phone call from a FEMA inspector to arrange 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.

I’ve already cleaned up and made repairs to my property.  Am I still eligible to register with FEMA?
Yes, you may be eligible for reimbursement of your clean-up and repair expenses. Before-and-after photos of the damaged property can help expedite your application for assistance.

Does the Small Business Administration (SBA) offer loans to homeowners and renters?
Yes, the SBA is the primary source of financial assistance following a disaster and provides low-interest disaster loans to homeowners and renters.

Does my income need to be under a certain dollar amount to qualify for disaster aid?
FEMA’s Housing Assistance program is available, regardless of income, to anyone who has suffered damages or losses in disaster-declared counties. However, 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.

I have flood insurance. Should I still register with FEMA?
Yes, but please contact your insurance company first.

Do I have to be turned down by my bank before I can apply for a disaster loan?
No, the SBA has its own criteria for determining each loan applicant’s eligibility.

If I rent an apartment, can I get help to replace my damaged personal property?
Yesrenters may qualify for a FEMA grant. Renters may also qualify for SBA disaster loans.

Will FEMA pay for all home repairs or contract work?
No, FEMA does not pay to return your home to its pre-disaster condition. 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.

Do I have to repay money I receive for disaster relief?
Noyou do not have to repay grant money, however, SBA disaster loans must be repaid.

How can I check the status of my case?
You may go online to the Disaster Assistance website or call the toll-free FEMA Helpline at 800.621.3362 (FEMA) or (TTY) 800.462.7585. If you need face-to-face assistance, visit a Disaster Recovery Center (DRC) or speak with someone from one of FEMA’s Disaster Survivor Assistance (DSA) teams. All DRCs are accessible and equipped with tools to accommodate disaster survivors who need disability-related communication aids.

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