APPLY FOR FEMA ASSISTANCE EVEN IF YOU HAVE INSURANCE
[https://www.fema.gov/press-release/20220131/apply-fema-assistance-even-if-you-have-insurance]


Release Date: 
janvier 29, 2022 

NASHVILLE, TENN.  – If your personal property or primary residence
was damaged when a line of tornadoes touched down in middle and west
Tennessee in December, consider applying for FEMA assistance even if
you have insurance. Don’t wait until after you receive your
insurance settlement to apply. First, file your insurance claim, then
apply for FEMA.

Under a recently signed Major Disaster Declaration, residents in
CHEATHAM, DAVIDSON, DICKSON, GIBSON, HENDERSON, HENRY, LAKE, OBION,
STEWART, SUMNER, WEAKLEY and WILSON COUNTIES are eligible to apply for
FEMA Individual Assistance. This includes help with temporary housing
expenses, basic home repairs or other essential disaster-related needs
not covered by insurance. 

FEMA cannot duplicate benefits, but once you are in the agency’s
application system, you can submit documentation on your insurance
when you receive it, and any uncovered damages may be considered.  

Common reasons FEMA encourages even those with insurance to apply:

 	* You received the settlement from your insurance company, but it
did not cover all your losses. FEMA may be able to assist with unmet
needs.
 	* You have exhausted your policy limit or settlement for Additional
Living Expenses (ALE for loss of use) or your policy doesn’t pay for
temporary housing and your home is no longer safe, sanitary or
habitable.
 	* Your settlement does not cover disaster-related costs, such as
medical or dental, transportation, and other disaster-related
expenses.
 	* Waiting for an insurance settlement before applying may cause you
to miss FEMA’s application deadline of March 15, 2022.

There are many ways tornado survivors may apply:

 	* Go online to DisasterAssistance.gov
[http://www.disasterassistance.gov/].
 	* Visit one of the state’s Multiple Agency Resource Centers
(MARCs) and talk with a FEMA specialist. For locations and hours, go
to https://www.tn.gov/tema/get-involved/december-severe-weather.html.
MARCs provide Tennessee tornado survivors with an opportunity to get
direct, in-person support from federal, state, and local agencies
located under the same roof.
 	* Use the FEMA app, which can be easily downloaded to a smartphone.

	* Call the FEMA Helpline at 800-621-3362; specialists are available
from 6 a.m. to 10 p.m. local time, seven days a week. 

	* If you use a relay service, such as video relay service (VRS),
captioned telephone service or others: 

 	* UPDATE the "Current Phone" field using the relay service phone
number
 	* ADD "Relay Service" to the Note box; provide FEMA with your
number.

The FEMA Helpline is your go-to resource for answers to questions
about insurance or your application as well as to update information.

For more information on Tennessee’s disaster recovery, visit
www.tn.gov/tema.html [http://www.tn.gov/tema.html] and
www.fema.gov/disaster/4637 [http://www.fema.gov/disaster/4637]. You
may also follow FEMA on www.facebook.com/fema
[http://www.facebook.com/fema] and Twitter@FEMARegion4
[https://twitter.com/femaregion4].