What is the first step to applying for FEMA assistance if you have home or renter’s insurance?

If you have home insurance, the first step is to immediately file a claim with your insurance company. 

When you apply for FEMA disaster assistance we will ask you about your insurance coverage, including flood, homeowners, renter’s, vehicle, mobile home, medical, burial, and more. By law, FEMA can’t pay for costs that your insurance pays for, so it’s important to contact your insurance company right away to file a claim.

Once you file your insurance claim, apply for FEMA assistance online at DisasterAssistance.gov, by calling 1-800-621-3362, or in person at a Disaster Recovery Center.

If 30 days or more have passed since you filed your insurance claim and you have not received your settlement, contact us at 1-800-621-3362. We may be able to provide some initial funds while you wait for your insurance payout.