Tip #1 – Document the Damage
When the storm, flood, or fire passes, your first instinct may be to start cleaning up the debris from your yard and attempt to undo the damage that has been done. However, it’s incredibly important that you take time to document the damage before you start the process of cleaning, making repairs, and getting back to normal. One of the first things that you should do is take photographs of the property. Don’t forget the detail shots that may better show the extent of the damage. It’s also a good idea to shoot video of your property in the immediate aftermath of the disaster, as this can show a different perspective. Whenever possible, use time-stamped photos or videos and back them up digitally, such as in cloud storage or email. Finally, before you begin cleaning, take detailed notes about the damage that you find. No damage is too small to document, so try to be thorough.
Tip #2 – Keep All of Your Receipts
The expenses related to the disaster will quickly start to climb, and you will need to document eligible expenses that you incur as a result. These receipts will play an integral role in your FEMA application, so be sure to save each and every one. FEMA generally reimburses only certain disaster-related costs, not all expenses. Some receipts that you will want to save include receipts for:
- Hotel stays or apartment rentals.
- Equipment rentals.
- Receipts from stores where supplies were purchased.
- Medical expenses related to the disaster.
- Transportation expenses caused by displacement.
If you are not provided with a receipt, don’t be shy. Ask for one. It’s very important to have documentation of your expenses in order to get the assistance that you need.
Tip #3 – Don’t Avoid the FEMA Inspector
The FEMA inspector may contact you for an inspection that is conducted in person, by phone, or via video, depending on the circumstances. Be prepared to participate in the inspection process, as the inspector will assess the damage and compare it to what has been described in your application. You will be responsible for showing or explaining the different areas of your home and property that have been damaged by the natural disaster. You should highlight the damage to your home, essential personal property, and household items such as furniture, clothes, linens, kitchenware, appliances, and electronics. Vehicle damage is generally not covered unless it directly affects accessibility or safety. Don’t be afraid to ask questions, and be sure to take notes during the inspector’s visit.
Tip #4 – Be Mindful of Deadlines
There are various deadlines that you will have to meet throughout the FEMA claim application process. The initial application deadline is typically 60 days from the date of the disaster declaration, unless FEMA announces an extension. It can be difficult to keep track of these deadlines when you have so many other things on your plate. However, it’s important that you meet all of them, as this will keep you on track and ensure that you get the assistance that you need as soon as possible. You can check your application status, deadlines, and next steps at DisasterAssistance.gov or through the FEMA mobile app, or you can call FEMA and ask.
Tip #5 – Stay Organized When Completing the Application
Your application will require you to piece together what happened during the natural disaster and the impact that it had on your home, property, and livelihood. Most FEMA applications are now completed online or through the FEMA mobile app, so make sure you are organized and ready to complete all of the sections before you begin. You should choose a quiet time when you can focus completely on your application without being distracted. Including a clear written explanation—uploaded digitally if applying online—describing what each receipt was for can help FEMA process your application more efficiently.
Tip #6 – Keep Copies of the Application and Supporting Documents
Before you submit your application to FEMA, make copies of the completed application and all supporting documents that you are submitting. If you apply online, be sure to save or screenshot your confirmation number and submission receipts. This will protect you in the event that FEMA does not receive all or part of your application. It can also benefit you in the event that your initial application is denied. If your application is denied, you have a right to appeal, so do not throw away the denial letter from FEMA. Appeals can typically be submitted online, by mail, or by fax. In order to appeal as quickly as possible, you will want to have a copy of the original application and all supporting documents on hand.
Tip #7 – Don’t Give Up
The fact of the matter is, you sometimes need to be persistent when making a FEMA claim. Sometimes, you will call and get an agent who is not particularly helpful. Try not to get discouraged. You can request escalation, follow up through official FEMA channels, or use online messaging tools to advocate for your case. Persistence and clear documentation can make a significant difference in the outcome of your application.
If you have a legal question about your claim, don’t be afraid to ask a Legal Pro for help. If you have an insurance claim that was denied, you can request information about why your claim was denied by creating a free customized Request for Information About Insurance Denial document.
Please note: This page offers general legal information, not but not legal advice tailored for your specific legal situation. Rocket Lawyer Incorporated isn't a law firm or a substitute for one. For further information on this topic, you can Ask a Legal Pro.
