I have insurance, can I still get reimbursed for my lodging expenses?

By law, FEMA cannot duplicate benefits provided through insurance. Many insurance policies include Additional Living Expenses (ALE) or Loss of Use (LOU) coverage, which provides money to cover lodging costs when you are unable to live in your home due to a disaster. If your insurance does not include ALE or LOU, or if the money provided by your insurance does not cover all your lodging expenses, you can submit your insurance documentation to FEMA to be considered for Lodging Expense Reimbursement.