You’ll receive an application form. Complete all of it, including the SBA loan form if provided. You’ll have to include proof of residency — mortgage payments, or a driver’s license.
A FEMA inspector may come inspect your losses, and you’ll get a determination letter within about 10 days. If you’re approved, a check or direct deposit will be made to your bank account. You must use this aid as specified in FEMA’s letter!
If you are denied FEMA aid, your determination letter will state the reason, and you may appeal.
What’s FEMA aid for? How long does it continue?
It’s for property losses or damage not covered by insurance, and for critical expenses (from emergency clothing or vehicle damage to cleanup equipment) that you can’t cover in any other way. FEMA will ask you for insurance information, so file any insurance claims first.
FEMA support may last for as long as 18 months beyond the time of the disaster.
FEMA aid can cover:
temporary housing costs
home repair and replacement costs
support for other disaster-related needs, like medical, dental and funeral expenses
repair and replacement costs for furniture, appliances, clothing, and necessary educational materials
moving and storage expenses related to the disaster.
After you register with FEMA, reach out to all other agencies that are helping — the Red Cross, the Salvation Army, and others.
Take things step by step ... reach out to friends, family and neighbors ... celebrate small steps ... and remember that you can recover. It may take a while. But you can make it.