What to Do Without Flood Insurance

9/11/2019 (Permalink)

FEMA provides funding for areas which they label as being involved in a federal disaster

Flooding may be a rare problem for many homeowners in Embreeville, TN, but in that rare instance, it is always nice to have flood insurance. However, this is an extra expense and not everyone does it. So, if you are one of those who did not opt for this type of insurance, and you have been involved in a severe flood, you might have another option.

FEMA Grants

The Federal Emergency Management Agency provides funding for areas which they label as being involved in a federal disaster. Many hurricane disaster areas obtain this type of aid, but areas which have severe seasonal flooding or are located in a flood plane are often also able to collect help to repair their homes. Even if you have flood insurance, you can acquire aid.
The grants include funds to pay for just about any living need, to ensure you and your family are taken care of in these extreme circumstances. These funds are available without regard to income.

Temporary housing
Emergency home repairs
Uninsured/under-insured personal property losses
Medical and dental expenses related to the disaster
Funeral expenses related to the disaster

You Are Covered

Even without flood insurance, in certain extreme circumstances you may be covered. Where many other homes are affected by seasonal flooding or natural disasters or storms, and FEMA considers your county as part of a federal disaster area, the funds could cover your needed repairs. DisasterAssistance.gov will let you know if your hometown is part of the selected disaster area. You can also apply for your grant or any needed assistance using this website, and an inspector will call you to setup a time when they can come survey the damages. This will happen within days of your registration.
If you have already made repairs to your property, you could be reimbursed for the repair and cleanup expenses. It is beneficial to have photos of the damage before repairs are made to speed up your application process. Using FEMA funding, you can utilize the expertise of a professional flood remediation company to ensure your home is put back to being safe, sanitary, and structurally sound.