FEMA: Applying for Disaster Assistance

This just came in an email blast from FEMA, along with an accompanying pdf:

FEMA encourages ALL individuals affected by Hurricane Harvey to register for disaster assistance—even if they have flood insurance.

At this time, FEMA is encouraging individuals to register through the website at: www.disasterassistance.gov. There is the ability to register by phone however; as expected there will be wait time when calling 1-800-631-6632 (FEMA).

FEMA’s disaster assistance can provide:
· Temporary housing
· Lodging expenses reimbursement
· Repair
· Replacement
· Permanent or Semi-Permanent Housing Construction

It can also provide the following available:
· Disaster-caused child care expenses
· Disaster-caused medical and dental expenses.
· Disaster-caused funeral and burial expenses.
· Disaster-caused damages to essential household items (room furnishings, appliances); clothing; tools (specialized or protective clothing and equipment) required for your job; necessary educational materials (computers, school books, supplies).
· Fuel for the primary heat source (heating oil, gas).
· Clean-up items (wet/dry vacuum, dehumidifier).
· Disaster-caused damage to an essential vehicle.
· Moving and storage expenses caused by the disaster (moving and storage of personal property while repairs are being made to the primary residence, and returning property to the primary address).
· Other necessary expenses or serious needs as determined by FEMA.
· Other expenses that are authorized by law.

At registration:
· At time of registration and inspection, applicants are required to inform FEMA of all insurance coverage that may be available to them to meet their disaster-caused needs. FEMA does not require denial of insurance coverage before people call 800-621-3362 to register for FEMA assistance.
· Applicants who only have homeowners insurance but have sustained flood damage are not required to submit insurance documentation to receive FEMA Rental Assistance or financial assistance for real or personal property disaster-caused damage.
· Applicants are not required to submit homeowners-insurance documents to FEMA before FEMA will consider their eligibility for financial assistance for any real property damage caused by flood.

For more information on FEMA’s Individual Disaster Assistance, please see https://www.fema.gov/individual-disaster-assistance.

Hurricane Irma: Not Too Soon to Prepare

The tragedy of Hurricane Harvey continues, but Hurricane Irma lurks.

As I write this (1 p.m. Saturday) Irma has sustained winds of 110 mph, which puts it at the top of Category 2 status. It could reach Cat 4 soon, according to the National Weather Service, and its path could take it to the East Coast by mid-week.

If you live along the East Coast – and with Harvey fresh in mind – it really, really makes sense to make sure Irma doesn’t surprise you.

FEMA gives a complete rundown of what to do before and after a storm here.

 

The Insurance Industry’s Hurricane Relief Efforts

In addition to settling insurance claims the insurance industry is also strongly committed to raising charitable funds for victims of recent hurricanes.

September 26

The IICF announced the establishment of a new disaster relief fund to assist those affected by the catastrophic damage of Hurricane Irma. To donate to the IICF Hurricane Irma Relief Find click here.

The IICF also announced today that the insurance industry has already donated millions of dollars in relief. The figure is believed to already exceed $15 million, industry-wide.

September 19

  • To date, the IICF’s Hurricane Harvey Disaster Relief Fund has raised more than $400,000 to help the affected communities – through both company contributions and individual donations from 1,000 insurance professionals.
  • Allstate and The Allstate Foundation will commit $3 million to assist people affected by Hurricanes Harvey and Irma, as well as potential future disasters, doubling its initial pledge of $1.5 million.

September 1

The Insurance Industry Charitable Foundation (IICF), a nonprofit organization that unites the insurance industry in helping communities and enriching lives through grants, volunteer service and leadership, has established a Hurricane Harvey Disaster Relief Fund to assist victims affected by this catastrophic storm.

Within 24 hours of establishing the IICF Hurricane Harvey Disaster Relief Fund, nearly $80,000 has already been committed by those in the insurance industry.  John Vasturia, President, Specialty Markets, Munich Reinsurance America and IICF Board of Governors Chair, noted that, “Through IICF, we are able to very quickly unite our efforts in collecting donations, and distribute to local nonprofits in the Texas communities who will be able to help families across the region in a very real and meaningful way.”

IICF will collect and report on the total of all donations made through this fund, and forward 100% of these insurance industry contributions to the local nonprofits assisting victims in the area, including the American Red Cross and specifically its Hurricane Harvey disaster fund. Donations can made by clicking here.

The USAA Foundation, Inc. has pledged to assist the Hurricane Harvey rescue and recovery efforts with a $1 million grant. In addition to the grant from the Foundation, USAA introduced a donation program for its 32,000 employees worldwide, committing to matching their contributions, dollar for dollar, up to a total of $150,000. That total was met in less than six hours, so the matching grant was boosted Wednesday to $500,000, raising the potential contribution from USAA and its employees to at least $1 million, on top of the $1 million pledge from The Foundation.
Other insurance companies that are raising funds for Hurricane Harvey victims include: The Nationwide Foundation, which is giving $500,000 to Red Cross Disaster Relief and State Farm which is matching employee donations through its Matching Gift Program.

If you work for an insurance company or trade group that is raising funds for Hurricane Harvey victims please let us know about it by emailing marias@iii.org