“UP played a leadership role in ensuring that future wildfire victims are treated more fairly by their insurance providers as part of a collaborative and successful effort to change some of Colorado’s insurance-related legislation and regulations.”
Good News for Napa (and Solano) Earthquake Survivors
by Emily Rogan
A FEMA declaration for Individual and Household Assistance has finally been approved for Napa and Solano County earthquake survivors. If you were affected by the earthquake and need assistance you will have 60 days from the October 27th declaration to apply with FEMA. UP participated in a meeting of the Napa Earthquake Long Term Recovery Group today and found out over $50,000 had already been distributed in first 48 hours. The Local Assitance Center will be reopening in Napa to help people register, answer questions and provide referrals to charitable organizations.
When applying for FEMA aid, your insurance status matters. If you did not have earthquake insurance you may be eligible for FEMA assistance. Because earthquake damage is excluded from most homeowners insurance policies it is often considered an uninsured loss. If you filed a claim with your home insurance company and recieved a denial letter, bring it to the local assistance center (if applying in person) as proof you have an uninsured loss. If you did have earthquake insurance at the time of the loss, the amount of your deductible may also be considered and uninsured portion of your loss.
Applicants will need to provde:
- Social Security number
- Address of the damaged home or apartment
- Description of the damage
- Information about insurance coverage
- A current contact telephone number
- An address where they can receive mail
- Bank account and routing numbers for direct deposit of funds.
The Small Business Administration may also be available for losses not covered by insurance. While SBA and FEMA have different requirements, their processes often work together to determine your eligibility. If you recieve a SBA application it is critical that you complete the application whether or not you plan on taking the loan. If you do not, it will affect the processing of your application to recieve a FEMA grant.
Here are additional resources:
- Apply for FEMA Assistance
- Visit the Local Assistance Center
- FEMA Application Check List
- FEMA News Release: THE WHAT AND HOW OF FEDERAL HELP FOR SOUTH NAPA EARTHQUAKE AFFECTED INDIVIDUALS, HOMEOWNERS