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Fire & Water - Cleanup & Restoration

What To Do After a Flood If You Don’t Have Insurance

9/9/2019 (Permalink)

Blue paper with FEMA title and U.S Department of Homeland Security Logo FEMA can help you restore your home after a flood

What To Do After a Flood If You Don’t Have Insurance

If you live on a flood plain in Bristol, CA, you are probably worried about excess water destroying your home. A sudden rainstorm or hurricane can cause massive destruction, and your regular insurance policy might not cover the damage.
Some renters or homeowners thus purchase a separate flood insurance policy. Others, however, don’t realize that they aren’t covered for flood damage until it is too late. Thankfully the Federal Emergency Management Agency has grants available to assist renters and homeowners after a flood. This money can help pay for:

  • Personal property loss
  • Dental or medical expenses
  • Temporary housing
  • Home repairs

How To Apply
You can go to www.DisasterAssistance.gov or call 800-621-3362 to register for a grant from the Federal Emergency Management Agency. An inspector will then come to your home to assess the damage.
You can clean up your home before the inspector arrives, however. In fact, you should call your local storm damage restoration company as soon as possible after a flood. FEMA may then reimburse you for the cost of the repairs.
Anyone who lives in a federally declared disaster area is eligible for this assistance. You can even apply for the grant if you have flood insurance.

What Other Assistance Is Available?

While FEMA can help you restore your home after a flood, the grant may not cover all of your expenses. However, you can also apply for a low-interest loan from the U.S. Small Business Administration (SBA). Despite its name, the SBA provides loans to renters and homeowners, not just businesses.
Homeowners can borrow up to $200,000 from the SBA to replace or repair their house. Both homeowners and renters can also borrow up to $40,000 to cover the loss of their personal property. Unlike the grants, however, you have to repay these loans.
Flood insurance is the best way to ensure you are covered following a natural disaster. Yet even if you don’t have insurance, you may not have to pay for all of your expenses out of pocket.

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