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Fire & Water - Cleanup & Restoration

What To Do When You Don't Have Flood Insurance

8/8/2022 (Permalink)

FEMA paperwork for storm readiness. When your home has been affected by storm flooding you can apply through FEMA agency for some help

What To Do When You Don't Have Flood Insurance

When storms flood waters rushing into your home, there's not much time to do anything other than pack up your belongings and your family and move to a safe area. Eventually, however, you'll have to confront the costs of repairs. If you don't have flood insurance, you may feel at a loss regarding how to recover. If you live in an area where there's potential for flooding, you should consider getting a policy that covers:

  • Contents of your home
  • Repairs, reconstruction, or replacement of your home
  • Temporary housing

Make sure you discuss the many things that insurance won't cover, such as items in the basement and swimming pools. If you don't have insurance, however, there are some steps you can take.

Financial Assistance

When your home and possessions have been affected by storm-related flooding, you can apply through the Federal Emergency Management Agency for some help. You may qualify for small grants or low-cost loans. This help through FEMA is only available for your first home, not a second residence. The type of assistance you receive may be influenced by whether the president has declared the floodplain or your state to be a major disaster area. Your specific county must be named to qualify for individual assistance.

Loans

Low-cost loans can cover some of your costs that flood insurance would have covered. For example, you may qualify for a loan through the U.S. Small Business Administration to make repairs or replacements to the structure of your home. Don't plan to use this money for upgrades or additions. Work with home repair and reconstruction professionals to determine the cost of repairs and rebuilding.

Grants

Grants from the federal government may be available to help you find a place to stay while you can't remain in your home. These grants may also cover at least part of the uninsured damages, belongings, and disaster-related expenses. These expenses may include childcare, medical costs, and funerals. However, grants are only available if you don't qualify for a loan through the SBA or when you need more help that is available through the loans.
When you don't have flood insurance, and sometimes if you do, federal agencies may provide the financial assistance you need to get back into your Lokosee, FL, home. Take the necessary steps to protect yourself upfront and to get further assistance as needed.

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