Can I apply for FEMA assistance if I have insurance?

Yes. You may qualify for FEMA assistance even if you have insurance. By law, FEMA cannot duplicate benefits for losses covered by your insurance. So, you need to file a claim with your insurance company as soon as possible.

My insurance settlement did not meet enough needs to help me recover from the disaster. Can I apply for assistance from FEMA?

Yes. You may apply for FEMA assistance if you still have unmet disaster-caused needs after your maximum insurance settlement. If there is an issue regarding insufficient insurance, or non-covered damage, the Insured might try and see if they can receive benefits.

FEMA will request a copy of the claim settlement record and ask you to describe what you still need. You must qualify to receive assistance.

If you applied for help from FEMA because of your deductible, FEMA does not cover insurance deductibles.

If you have any questions, call the FEMA Helpline, 7 a.m. to 11 p.m. ET, 7 days a week:

• 1-800-621-3362 (711 available)