Even those with insurance covering home reconstruction must document all losses and contact insurers right away – starting what could be years of paperwork for reimbursements and applications for several kinds of aid.
. FEMA also may provide up to $37,900 in individual assistance funds to meet other needs.
Known as IA, these funds can pay for things like child care, funeral expenses, medical costs and furniture after most federally declared disasters. Eligible expenses must be directly linked to the disaster and not covered by insurance or savings., which operate in local community centers, gyms or arenas. These temporary offices are one-stop shops where residents learn about and apply for government and nonprofit recovery programs.
I have seen this process frustrate or overwhelm survivors. They find FEMA paperwork grueling because of the details, records and time required., it is unlikely to fully cover rebuilding costs. And most applicants receive less than that.
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