After a declared disaster, federal assistance may be available. This guide walks you through the application process to maximize your recovery benefits.

When FEMA Assistance Is Available

After a declared disaster, federal assistance through FEMA can help cover uninsured losses and expenses.

• Only after a presidential disaster declaration
• For uninsured losses or losses exceeding insurance
• Covers temporary housing, repairs, and personal property
• Available to homeowners, renters, and businesses
• No repayment required for approved assistance

The FEMA Application Process

Understanding the steps is crucial to maximizing your recovery benefits.

• Register online at DisasterAssistance.gov or call 1-800-621-3362
• Schedule a home inspection with a FEMA inspector
• Complete the FEMA application with damage details
• Receive determination letter with approved amount
• Set up appeal process if needed

Documentation You Will Need

Gather these documents before applying to speed up the process.

• Photo/video evidence of damage
• Receipts for temporary housing
• Insurance claim documents
• Lease agreement (renters)
• Proof of residence before disaster

Many people leave money on the table by not applying for FEMA assistance or by accepting the first determination. Working with a knowledgeable contractor can help ensure you receive the full assistance you're eligible for.