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FEMA Recovery Information

FEMA Recovery Information

Posted: Oct 12, 2020 9:58 AM
Updated: Oct 15, 2020 1:06 PM

Laura Survivors with NFIP Policies Can Appeal Flood Claims Within 60 Days of Denial

BATON ROUGE, La. – Hurricane Laura survivors with National Flood Insurance Policies (NFIP) who filed a Proof of Loss and whose claims were denied either partially or in full, can appeal. Survivors have 60 days from the date of the insurer’s denial letter to appeal the decision.
Some common reasons for denials include:
Damage was not actual flood damage;
Claim was less than the deductible;
No demonstrable damage; or
Damage not insured, such as wind damage.
What you need to know about Hurricane Laura and your NFIP policy:
Laura was a wind and water event that caused damage from rising waters and wind damage to buildings.
The Standard Flood Insurance Policy (SFIP) pays only for direct physical loss by or from flood damage to insured property, so your insurance adjuster will be looking for signs of a general condition of flooding and a flood water line.
Damage below this line is typically flood damage.
Damage above the flood water line is typically wind damage, such as water-stained ceilings or wind damage like broken windows or exterior doors, missing shingles, turbine or fascia damage, water stains to the ceiling or walls.
Your adjuster may ask for a copy of your wind or homeowner’s damage estimate to confirm no overlap in scope or payment of damage. When it is too difficult to tell if the damage was from wind or flood, NFIP insurers may recommend the use of an expert to help determine the cause and extent of damage by wind and/or flood.
To file an appeal, you must do the following within 60 calendar days of the date written on the denial letter:
Include the information shown on your NFIP policy’s Declarations Page:
the policy number;
the policy holder name(s); and,
the property address, which may not be your mailing address.
Provide the best contact information for you.
Explain the issue(s) in writing;
Include a copy of the denial letter from your insurer;
Provide any supporting documentation (e.g., photos of your flood damage, itemized estimates signed by a contractor, properly completed drying logs).
Letters may be sent by mail to:
Federal Insurance and Mitigation Administration Federal Insurance Administrator
400 C St. SW, 3rd Floor
Washington, D.C. 20472-3010
Or emailed to: FEMA-NFIP-Appeals@fema.dhs.gov.
There is no fee to file an appeal and you do not need a third party to represent you.
FEMA’s goal is to ensure all policyholders receive the amount they are owed for their claim(s) under the terms of their policy. Know your rights as a policyholder and get more information about the appeals process.
Visit floodsmart.gov/index.php/flood/appeal-your-claim-payment
Call NFIP at
Contact your insurance agent. If you not sure who your insurer is, you can call NFIP
Click here for a description of NFIP policyholder rights
To view mitigation resources visit https://fema.connectsolutions.com/lauramit/ or call 866-579-0820 to speak to a Mitigation Specialist.
For the latest information on Hurricane Laura, visit www.fema.gov/disaster/4559 or follow the FEMA Region 6 Twitter account at twitter.com/FEMARegion6 

Hurricane Laura Survivors Have Options for Using FEMA Rental Assistance

FEMA rental assistance provides temporary financial help so disaster survivors have somewhere to live while they make plans for permanent housing.
Hurricane Laura survivors can use the money to rent a house, apartment, travel trailer, manufactured home, tiny home, recreational vehicle (RV) or other option that meets their temporary housing needs while their homes are repaired or until they permanently move to new dwellings. Rental assistance can be also be used to place a housing unit at an RV park pad for an RV they own, rent or borrow.
Every household is unique, so each family will need to carefully consider housing arrangements that work best for it. Families may want to look for options near their jobs, schools, homes and places of worship.
Rental Assistance is intended to cover the monthly rent amount (including lot rent, if applicable) and cost of essential utilities such as gas, electric, water, oil, trash and sewer. It does not include the cost of telephone, cable, TV or internet service.
FEMA awards eligible applicants initial rental assistance based on the U.S. Department of Housing and Urban Development (HUD) Fair Market Rents data, established by HUD for the parish where the pre-disaster residence is located and the number of bedrooms the household requires.
Two months of initial rental assistance is awarded to eligible owners and renters whose pre-disaster homes require repairs to return them to a safe, sanitary and functional condition.
Applicants whose homes are inaccessible (damage unknown) or without basic utility services (no other damage) will receive just one month of rental assistance unless further arrangements are made.
The maximum amount of rental assistance available is 18 months, plus one additional month for a security deposit.
Applicants will need to provide supporting documentation that includes a contract or lease that clearly lists the monthly rental amount and security deposit, if applicable, and rent receipts.
The applicant will also be asked to submit information about family income.
Grant recipients must contact FEMA if continued rental assistance is needed after the initial amount is provided. There is no guarantee of continued rental assistance beyond the initial amount.
For the latest information on Hurricane Laura, visit www.fema.gov/disaster/4559 or follow the FEMA Region 6 Twitter account at twitter.com/FEMARegion6.

Drive-thru Disaster Recovery Center Opening in Lincoln Parish

BATON ROUGE, La. - A Drive-thru Disaster Recovery Center will open in Ruston, Lincoln parish Oct. 14 to help Hurricane Laura survivors.
The drive-thru is staffed with FEMA personnel who are available to scan documents, assist with registration and answer questions about disaster-assistance programs.
The center operates under strict COVID-19 protocols to ensure visitors are safe. Masks or face coverings are required for entry and service. Survivors remain in their cars. A specialist wearing a face mask will receive documents through the window and return them.
No appointment is necessary. Hours of operation are 8 a.m. to 6 p.m. daily, closed on Sundays.
The drive-thru center is located at:
Lincoln Parish
Lincoln Parish Library
910 N Trenton St.
Ruston, LA 71270

Additional centers are reopening in Louisiana. Survivors may visit any open center. To locate the closest center, call the FEMA Helpline, visit www.DisasterAssistance.gov or egateway.fema.gov/ESF6/DRCLocator or download the FEMA Mobile App at fema.gov/about/news-multimedia/app.

Survivors do not need to visit a drive-thru center to apply or update their application. To ask individual questions or submit information:
Call the FEMA Helpline at 800-621-3362 or TTY 800-462-7585. Those who use a relay service such as a videophone, InnoCaption or CapTel should update FEMA with their specific number assigned to that service.
Visit DisasterAssistance.gov/.
To receive a link a to download the FEMA app (depending on your device):
Apple devices: text APPLE to 43362
Android devices: text ANDROID to 43362
Call 211 or text 527435837 to 898-211. For Louisiana evacuees that are now out-of-state, please call 337-310-4636. To get support, this number also is valid for TTY out-of-state users.
Visit fema.gov/about/news-multimedia/app
To find a drive-thru DRC you can text 43362 and type DRC (Your Zip Code) for example DRC 01234.

SBA low-interest disaster loans are available for businesses of any size and certain nonprofits up to $2 million for property damage. For small businesses, those engaged in aquaculture, and most private nonprofits can borrow up to $2 million for working capital needs even if there is no property damage.

Homeowners can borrow up to $200,000 to repair or replace a primary residence. For homeowners and renters, up to $40,000 to replace personal property, including vehicles, is available.

Businesses and residents can apply online at www.sba.gov/funding-programs/disaster-assistance or email FOCWAssistance@sba.gov. For assistance completing an SBA application, call 800-659-2955 (TTY at 800-877-8339) or email FOCWAssistance@sba.gov
Hurricane Laura survivors with home-repair questions should contact FEMA mitigation outreach at 866-579-0820 or at fema-mitoutreach-4559@fema.dhs.gov Monday-Saturday, 8am to 6pm CDT. To view mitigation resources visit https://fema.connectsolutions.com/lauramit/.
For the latest information on Hurricane Laura, visit www.fema.gov/disaster/4559 or follow the FEMA Region 6 Twitter account at twitter.com/FEMARegion6.

Replacing Lost or Damaged Documents in Louisiana

Hurricane Laura may have resulted in the loss of important documents, but there are ways to replace them. Below is a list of some useful websites and telephone numbers:
The governor’s office has launched an online hub for Hurricane Laura information at hurricanelaura.la.gov, which highlight news and links to resources, including counseling services. People can also text LAURA to 67283.

Birth and Death Certificates:
Website: The Louisiana Department of Health State Registrar and Vital Records Office
Birth and Death Certificates: https://ldh.la.gov/index.cfm/page/2663
Louisiana is a "closed record" state. This means that birth and death certificates are not public records. All requests for birth or death certificates must include proper identification, appropriate fees, and a completed application.
Phone: Customer Service hotline: 504-593-5100 or email dhh-vitelweb@la.gov

Louisiana Driver Licenses:
Due to COVID-19 the Office of Motor Vehicles is requiring an appointment to renew or replace your license. Please check online for a location near you; visit www.expresslane.org. Please note due to the aftermath of the storm, OMV locations in Calcasieu and Cameron parishes remain closed until further notice.

Marriage and Divorce Documents
The Louisiana Registrar and Vital Records office website is https://ldh.la.gov/index.cfm/page/2687 and has a link to request a copy of a marriage certificate. The Registry cannot issue a certified copy of a divorce decree. To obtain a certified copy of a divorce decree please contact the clerk of court in the parish where the divorce was granted.

Green Cards:
Phone: 800-375-5283
https://www.uscis.gov/green-card/after-we-grant-your-green-card/replace-your-green-card

Social Security Cards:
Phone: 800-772-1213
Website: https://www.ssa.gov/ssnumber/

Identity Theft Resource Center:
Phone: 888-400-5530
Website: http://www.idtheftcenter.org/
Email: info@fightidentitytheft.com.

Medicare Cards:
Phone: 800-772-1213 (TTY 1-800-325-0778)
Monday-Friday
from 7 a.m. to 7 p.m.; or go to https://www.ssa.gov/myaccount/

Federal Tax Returns:
Internal Revenue Service tax relief for Hurricane Laura survivors includes expedited refunds or delayed tax filings for individuals and businesses.
The IRS announced that survivors of Hurricane Laura have until Dec. 31, 2020, to file individual and business tax returns and make tax payments.
Visit IRS.gov for more information.
Phone: 800-829-1040 TTY 800-822-4059
Website: https://www.irs.gov/uac/About-Form-4506T

USDA Farm Services
The Farm Services Agency offers a variety of loans and grants to help agricultural producers recover from production and physical losses that result from disasters.
Visit https://www.farmers.gov/recover/disaster-tool#step-1

Military Records:
Due to the COVID-19 pandemic, as of June 24 the National Personnel Records Center entered into Phase One of a gradual reopening process. The center is currently only servicing emergency requests associated with medical treatments, burials, homeless veterans, VA Home loan guarantees, and employment opportunities. Their telephone number is unstaffed, so please log onto and apply on-line: NPRC's operating status.

Insurance Documents:
Louisiana Department of Insurance
800-259-5300
225-342-5900
The Dept of Insurance’s Storm Damage Resource Center has information to assist individuals and businesses that suffered damage in Hurricane Laura. Visit www.ldi.la.gov for answers to insurance questions or to dispute an insurance settlement

National Archives Records:
Phone: 866-272-6272
Website: https://www.archives.gov/preservation/records-emergency
Website: Saving family records: https://www.archives.gov/preservation/family-archives
To request legal help through FEMA Disaster Legal Services call 1-800-310-7029 or visit www.fema.gov or www.disasterlegalaid.org

Individuals and Businesses Encouraged To Call And Report Storm Damages In Order For St. Martin Parish To Be Eligible To Receive FEMA Assistance

St. Martinville, LA-We would like to stress the vital importance of reporting any and all damages sustained to homes and businesses as a result of Hurricane Delta. We have been diligently patrolling the Parish and we have observed widespread damage.

In order to determine if St. Martin Parish will qualify for Federal FEMA Assistance, we are asking that any resident or business owner that sustained damage, to please contact the St. Martin Parish OHSEP Office at (337) 394-2808 or email ohsep@stmartinsheriff.org.

When you call or email, please have the following information available:
1. Name and Address
2. Contact Information (phone and email)
3. Pictures of any and all damage
4. Whether you own or rent the property
5. Whether or not you have insurance coverage
6. Provide the type of home you have (mobile home, brick, wood, etc.)
7. Type of damage sustained
In order to determine if St. Martin Parish will qualify for Federal FEMA Assistance, President Trump will have to do a Presidential Declaration, which has not occurred yet. Therefore, please call as soon as possible to report your damages. This applies to homes and businesses

Drive-thru Disaster Recovery Centers in Acadia, Calcasieu, Grant, LaSalle, Rapides and Vernon Parishes Will Reopen

BATON ROUGE, La. – The drive-thru Disaster Recovery Centers in the cities of Alexandria, Dry Prong, Leesville, Many, Jena, Rayne will reopen Oct. 12 at 8:00 a.m.
The drive-thru Disaster Recovery Centers in Lake Charles and Sulphur will reopen Oct. 12 at 1:00 p.m. for Hurricane Laura survivors.
The centers are located at:

Acadia Parish (closed Sunday)
Southside Community Center
Rayne, LA

Grant Parish
Zig Slater Ball Park
Dry Prong, LA
8:00 a.m. – 6:00 p.m.

LaSalle Parish
Jena Town Park
Jena, LA
8:00 a.m. – 6:00 p.m.

Rapides Parish
Rapides Coliseum
Alexandra, LA
8:00 a.m. – 6:00 p.m.

Calcasieu Parish (2 locations)
Lake Charles Civic Center
Lake Charles, LA; and
Frasch Ball Park (Softball Fields)
Sulphur, LA

Sabine Parish (closed Sunday)
Sabine Parish Courthouse,
Many, LA

Vernon Parish
Vernon Parish Sheriff (Side Parking Lot)
Leesville, LA

The centers are open from 7:00 a.m. to 5:00 p.m. CDT daily, unless otherwise noted above, ground conditions permitting. Other centers are set to open later this week. Survivors may visit any open center in the state. To locate the closest center, call the FEMA Helpline, visit www.DisasterAssistance.gov or egateway.fema.gov/ESF6/DRCLocator or download the FEMA Mobile App at fema.gov/about/news-multimedia/app.
For the latest information on Hurricane Laura, visit www.fema.gov/disaster/4559 or follow the FEMA Region 6 Twitter account at twitter.com/FEMARegion6.

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