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:


About The Blogger

Emily Rogan

Emily Rogan

Emily Rogan joined United Policyholders in January 2008. As Chief Operating Officer, Emily works closely with the Executive Director and UP staff and volunteers to advance the mission of the organization through our three programs. For the last eight years she has educated homeowners and renters throughout the Bay Area on the importance of insurance and financial preparedness as a key component of disaster preparedness. Emily proudly represents United Policyholders at conferences, meetings and workshops hosted by community leaders, claim professionals, the insurance industry, local and state government and other NGOs. Emily currently serves on Curriculum Board of the California Department of Insurance. She is the former President for Northern California VOAD and served on their Executive Committee from 2011-2015. A San Francisco native, Emily received a Bachelors of Arts in Sociology from the University of California, Riverside in June 2007 and a Certificate of Non-Profit Management from San Francisco State University in 2012.