How to Make a FEMA Claim
The process of making a FEMA claim can become extensive based on your situation. You are required to make an insurance claim first, and show the documentation the insurance company provides you with when registering with FEMA. The steps to file a claim and register with FEMA are as follows:
Step 1
Contact your insurance company to report your situation, losses, damage, and any other information the company needs to file a claim. If you need help contacting an insurance provider or do not have one, you can contact FEMA directly at 800-621-3362.
Step 2
Take photos and documentation of all damages both inside and around your property.
Step 3
An insurance adjuster will be assigned to you, and contact you within 24-48 hours to come view and document the damages to your property. The adjuster is only there to help properly evaluate and document the damage that has been done. The adjuster will not be able to tell you if you are approved, or declined for aid. As well as not being able to inform you on how much you would receive if you are eligible.
Step 4
Collect all documentation that relates to your damaged items. This includes photos, receipts, estimates, and any other paperwork on your damaged items. You should be using your insurance declaration page as a reference. The adjuster assigned to your case will also be able to help guide you in this process as well.
Step 5
Lastly, you will need to get the insurance company’s approval for costs and repairs. In order to get paid you will also need to provide proof of loss. A proof of loss document includes your sworn statement about your losses and damages sustained, as well as supporting documentation to prove your claims.
After you have filed a claim, you will enter a waiting period to get approved and then a waiting period for your funds. While this waiting period can be a little longer than what is comfortable for you, you do have the option of requesting partial funds immediately.
