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Fire & Water - Cleanup & Restoration

FEMA Can Offer Aid for Flood Damage

7/15/2020 (Permalink)

If a major flood event occurs in or around Dana Point, CA, you may not be entirely prepared. You would not be alone. Many multi-peril home policies do not include flood insurance. Depending on the scope of the disaster, the federal government may be able to lend a helping hand.

When Is FEMA Assistance Available?

The Federal Emergency Management Agency becomes active in areas that the President of the United States declares a national disaster zone. That means individuals can register with FEMA if they experienced damage to their home or property within a particular geographic range and within a designated time period. Once you are registered, you can apply for various grants or loans that pertain to your unique situation.

What Does It Cover?

If your property is located within the flood plane and experienced damage or loss, you are eligible for the financial aid, housing or even compensation if you've already gotten started with flood remediation services. These are typical forms of aid:

  • Temporary housing
  • Home repair not already covered by insurance
  • Vehicle replacement or repair
  • Medical costs and funeral expenses
  • Personal property replacement

Who Is Eligible?

It is not only homeowners who can qualify for federal aid; renters are accounted for as well. There are a wide variety of grant types available, so anyone who has lost or damaged property as a result of a disaster event may be compensated. If you already have flood insurance, you can still apply for supplementary grants. Every income level can be considered for assistance. Not even your immigration status can disqualify you for aid.
Large-scale weather events are usually beyond the capabilities of private insurance to handle. Sometimes, lots of people are stuck without flood insurance if flooding is not common to the locale. That's why the federal government steps in to support communities in their time of need. Don't be afraid to reach out for aid; you are probably eligible for some form of assistance.

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