Flood Damage >> How To File A Flood Insurance Claim

If the flooding was widespread and caused a lot of damage, your community might be eligible for state or federal aid. To receive such assistance, your community must be declared a disaster area by your Governor, How To File A Flood Insurance Claim a federal agency director, or the President.

Local newspaper, radio and TV will keep you informed about disaster declarations and where to get information about any programs that might be available to you.If the flood were severe enough for your area to be declared a disaster area by the federal government, the Federal Emergency Management Agency may open"teleregistration, How To File A Flood Insurance Claim which provides atoll-free number for you to call to request assistance.

Or, it may open one or more Disaster Application Centers (DAC).These centers will give information and take applications forassistance and are usually locatedin a nearby school or other publicbuilding. They will be open during the day and How To File A Flood Insurance Claim early evening forseveral days to give people time tocome in.

Check local newspapers,TV and radio reports for the location and hours.Federal disaster assistance maybe available in some cases to dealwith uninsured losses and How To File A Flood Insurance Claim needs.People who are not insured shouldgo to a DAC first. If possible,those with insurance should filetheir Proof of Loss form beforevisiting a DAC.

If there is a longwait, you can make an appointment for a later day, How To File A Flood Insurance Claim or use thetoll-free number. (Look atFEMA's site on the World WideWeb for more information:http://www.fema.gov).When you go to a DAC orapply for disaster assistance, takethe items listed below: The firstperson you will talk to at a DACwill be a receptionist.

He or shewill review your damage andneeds, and identify which programs are most appropriate foryou. You will receive a checklist ofprograms that can help you. Youcan then talk to representatives ofthese programs at tables in theDAC.There are six types of federal orstate disaster assistance. How To File A Flood Insurance Claim

Except asnoted, the following are availableonly if the President issues a disaster declaration for your area. Before you got to a DAC or phonethe toll-free number, do your bestto get together the following information and documents. If youdon't have all of them, don't worry;gather what you have and How To File A Flood Insurance Claim start yourdisaster assistance applicationprocess.

Your name, address, SocialSecurity number, and identification Telephone numbers where you ora neighbor can be reached Names and ages of all persons living in your home at the time ofthe flood Insurance papers, including the"Proof of Loss form A summary of your damage and How To File A Flood Insurance Claim arough idea of the cost of repair orreplacement (See Step 3.)

Your income and the income ofall other members of your household. Who you owe money to and howmuch you owe (mortgage, carloan, etc.) The total amount of your livingexpenses (rent, mortgage, food,clothing, utilities, medical, andtransportation costs) How To File A Flood Insurance Claim

Directions to your property, starting from a major road, and aroad map with an X for yourproperty. Disaster Housing AssistanceThis program may provide asafe place to live until repairs todamaged homes are completed.Rent assistance or How To File A Flood Insurance Claim mobile homesmay be provided to those withoutinsurance.

If repairs can be donequickly to make your house liveable, the program may providefunds to make those repairs.Disaster LoansHome and business owners, farmers, How To File A Flood Insurance Claim and others with real or personal property losses may be eligiblefor low interest loans.

These loansare administered by the federalgovernment's Small BusinessAdministration (SBA) and theFarmers Home Administration(FmHA). SBA and FmHA canprovide loans even if there is noPresidential disaster declaration.Eligibility and How To File A Flood Insurance Claim loan interestrates vary according to the incomeand financial condition of theapplicant.

Check your local paperor TV or radio station for the typeof loans available for replacingyour personal property and forrepairing your house.Individual and family grantsThis program may provide fundsfor necessary expenses and seriousneeds. Grants can cover immediate expenses such as medical treatment, transportation, home repair,replacement of essential personalitems, How To File A Flood Insurance Claim and the cost of protectingyour property from the flood.

Applicants must not have otherfinancial resources or be able toqualify for an SBA disaster loan.Income tax deductionsIf a federal disaster declaration wasmade, you might quality to file anamended tax return for the pastyear and How To File A Flood Insurance Claim get a partial refund foryour uninsured casualty losses.

Even if no federal declaration ismade, you can often deduct youruninsured losses on your nextincome tax return. Ask theInternal Revenue Service forPublication 547, Non-BusinessDisasters, Casualties, How To File A Flood Insurance Claim and Theft toget more information. Floodproofing assistance Restoring a building to its preflood condition used to be thefocus of government disaster programs.

Now, some programsencourage "floodproofing,—thatis, modifying the structure to helpit withstand damage from the nextflood. (See Step 8.) The SBA'sDisaster Loan program can loanadditional money to cover certainfloodproofing costs—ask SBAabout it. Other programs willvary from state to state.CounselingA variety of programs give adviceon recovering from a disaster. How To File A Flood Insurance Claim

These include help with unemployment, food stamps, incometaxes, insurance claims, legalissues, veterans benefits, How To File A Flood Insurance Claim and crisiscounseling. Crisis counseling canbe especially helpful in copingwith problems as you recover fromthe flood before they get out ofhand.

Be sure to ask the RedCross about "Disaster MentalHealth information. Don't just build it back; build itbetter. Now is the best possibletime to think about floodproofingyour home because you can take definite action to protect your propertyin the future. many floodproofingmeasures are quite simple, cost effective, How To File A Flood Insurance Claim and easy to put in place.

Byfloodproofing as you rebuild, you canmake the next flood easier on youand your wallet.FloodproofingFloodproofing means to remodelor rebuild using materials andmethods that will prevent or minimize damage from future floods.Consider the benefits to floodproofing your home: By protecting your home fromdamage, floodproofing will saveyou money and How To File A Flood Insurance Claim aggravationduring the next flood. Many floodproofing measuresare inexpensive.

Protecting your house fromfuture flood damage willincrease your property's resalevalue. Many floodproofing measurescan be easily worked in duringrepair and How To File A Flood Insurance Claim rebuilding, reducingyour costs. Some financial assistance programs can help pay for floodproofing.

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