Trenton, NJ – Disaster assistance may sometimes cover damages that insurance doesn’t. That is why individuals affected by Hurricane Sandy are urged by the New Jersey Office of Emergency Management (NJOEM) and the Federal Emergency Management Agency (FEMA) to apply for assistance even if they have insurance.
Apply for FEMA assistance by registering online at www.DisasterAssistance.gov, or by web-enabled mobile device at m.fema.gov. Applicants can also register by phone by calling 1-800-621-FEMA (3362), 711/VRS, or TTY 1-800-462-7585.
Only applying directly with FEMA will establish your registration for disaster assistance. Signing up or meeting with any other agency does not mean you are registered with FEMA.
“We want everyone qualified for assistance to receive help as soon as possible,” said State Coordinating Officer Lt. Jeff Mottley.
Keep in mind that you need to file your insurance claim with your insurance company as soon as possible. Failure to file a claim may affect a policyholder’s eligibility for disaster assistance. You have up to 12 months from the date of registration with FEMA to submit insurance information for review.
“By law, we cannot duplicate what insurance already covers. But we may be able to help with some disaster-related expenses, that are not covered by insurance,” explained Federal Coordinating Officer Michael J. Hall.
After filing a claim, if any of the following situations occurs FEMA may be able to provide some assistance:
Your insurance settlement is delayed.
National Processing Service Center
PO Box 10055
Hyattsville, MD 20782-8055
Your insurance settlement is insufficient to meet your disaster-related needs.
You have exhausted the Additional Living Expenses (ALE) provided by your insurance company.
and a permanent housing plan.
You are unable to locate rental resources in your area.
to be considered for all forms of disaster assistance.
the part of the FEMA program that covers personal property, vehicle repair or replacement,
and moving and storage expenses.
You can apply for an SBA disaster loan online using the Electronic Loan Application (ELA) via SBA’s secure website at https://disasterloan.sba.gov/ela.
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