DELAYED INSURANCE SETTLEMENT
[https://www.fema.gov/fact-sheet/delayed-insurance-settlement] 

Release Date: 
Nov 14, 2023 

Do not delay applying for FEMA assistance while you’re waiting for
your insurance settlement. The deadline to apply is November 29, 2023.

If a decision on your insurance settlement for disaster-caused damage
has been delayed longer than 30 days from the time you filed the
claim, you may be eligible for an insurance advance payment from FEMA.
These funds are considered a loan and must be repaid to FEMA once you
receive your settlement from your insurance company.

While FEMA cannot provide assistance for disaster-caused needs covered
by insurance benefits, FEMA may help meet an applicant’s immediate
needs when insurance benefits are delayed.

	* Applicants who demonstrate their insurance settlement has been
significantly delayed (30 days or more from the date a claim was
filed) through no fault of their own may be considered for initial
rental assistance.
	* Applicants accepting assistance in advance of receiving their
insurance settlement must agree to repay FEMA upon receiving their
insurance settlement.

Applicants are required to inform FEMA of all insurance (flood,
homeowners, vehicle, mobile home, medical, burial, etc.) coverage that
may be available to them to meet their disaster-caused needs. If your
insurance settlement is delayed, contact FEMA for a Request for
Advancement and signature letter, which must be completed and returned
before FEMA can evaluate your request for assistance.

To apply, call toll-free 800-621-3362, go online to
DisasterAssistance.gov, download the FEMA App for mobile devices or
visit a Disaster Recovery Center. The telephone line is open every day
from 7 a.m. to 10 p.m. ET. Help is available in most languages. If you
use a relay service such as VRS, captioned telephone service or
others, give FEMA your number for that service.