Insurance Attorneys
If you have had an insurance claim denied by your insurance company after paying your insurance premiums in good faith, you may be entitled to recover not only the damages for your property or injuries, but punitive damages as well.
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| FEMA |
The Federal Emergency Management Agency, better known as FEMA, provides financial assistance, and direct services when necessary, to qualified persons who have been victims of a major disaster such as a catastrophic hurricane.
What does FEMA provide?FEMA will provide monies to assist with rental of a place to live in the event your home is damaged to the extent that it is uninhabitable or completely destroyed and your insurance will not cover rental assistance. If there are no properties available for rent, FEMA may provide temporary housing such as the now infamous FEMA trailers provided after Hurricane Katrina. FEMA is also empowered to provide money for other emergency needs as the result of the disaster such as medical care, dental care and funeral expenses to name a few.FEMA also helps those who are facing lengthy delays, more than 30 days, after filing insurance claims. When major disasters occur, insurance companies can become so backed up with claims, it can take months to get your money. They will also assist you if your insurance is just not sufficient to cover your needs. Or, maybe you have exhausted your ALE (Additional Living Expenses) provided by your insurance coverage. FEMA will provide financial assistance to bridge the gaps. Who is eligible for FEMA assistance?You may be eligible for assistance from FEMA for housing needs if you have damage not covered by your insurance company. Additionally, to qualify all of the following must also be met:
To be eligible for assistance with other expenses that are not housing needs, you must also meet all of the following: The President has declared a disaster in your area. You or someone in your household is a US Citizen, born in American Samoa and Swains Island, or is an eligible non-citizen. You filed a claim with your insurance company and the damages are not covered by your insurance. The expenses or needs are the result of the disaster and are necessary, such as medical care due to an injury. You have exhausted all other avenues of assistance including loans from the SBA or using insurance proceeds. FEMA Information and ApplicationFEMA assistance information and application guidelines, processes, and the application itself can be found by selecting “Apply for Assistance” on the FEMA website at http://www.fema.gov/. |