04/24/2024 | Press release | Distributed by Public on 04/24/2024 08:32
If you have insurance but know that it will not cover the damage to your home or personal property, you should provide FEMA with documentation supporting the non-coverage. For example, if you did not have flood insurance and know that your homeowners insurance won't cover your flood damage, you do not need to file a claim with your insurance company. Instead, simply submit your insurance policy documentation when you apply for FEMA assistance.
Those who do have homeowners and/or flood insurance should file a claim with their insurance company. When you get your insurance settlement or denial, please send a copy to FEMA as soon as you can. If your insurance doesn't cover all your home repair or rebuilding expenses, FEMA may be able to help. FEMA, however, can't provide money for expenses covered by insurance or duplicate benefits from another source.
In any case, after you apply, FEMA will schedule a time for an inspector to visit your home to verify the loss or damage you reported. FEMA may ask you to send documents to verify your other expenses to complete your application.
Help is available in most languages. If you use a relay service, such as video relay (VRS), captioned telephone or other service, give FEMA the number for that service. To view an accessible video about how to apply visit: Three Ways to Register for FEMA Disaster Assistance - YouTube.
For the latest information, visit 4765 | FEMA.gov and 4766 | FEMA.gov. Follow the FEMA Region 1 account at Twitter twitter.com/FEMARegion1 or the Facebook page at facebook.com/FEMA.
For updates on the Rhode Island response and recovery, follow the Rhode Island Emergency Management Agency on Twitter at twitter.com/RhodeIslandEMA, on Facebook at www.facebook.com/RhodeIslandEMA, or visit www.riema.ri.gov.