If your home or business has been damaged or destroyed by Hurricane Ida, United Policyholders’ Roadmap to Recovery® program will help guide you in valuing and documenting your loss, understanding insurance rules, settling your insurance claims fairly, and finding qualified professional, charitable, and government help.
Federal Emergency Management Agency (FEMA) has declared a major disaster declaration in Louisiana, Mississippi, New Jersey, New York, and Pennsylvania for Hurricane Ida which means that SBA and FEMA resources will be available. Survivors can apply for federal aid, even if uninsured. Disaster assistance may be able to fill insurance gaps or provide help if you’ve been waiting more than 30 days on a homeowner’s claim.
If your rental, home or business was insured for flood damage, there are some differences in how a flood versus a home insurance claim gets adjusted and settled, but many similarities. Wind damage will be covered under your homeowner’s policy, while flood damage caused by storm surge should be covered under your flood policy.
- Take photos of the damage before any clean-up or repairs are done and completely document and value all damages and costs to repair or replace your property.
- Keep a diary of conversations with insurance, repair, government, and other professionals.
- Focus on drying/cleaning out, avoiding further damage, while getting all damage inspected, measured, and estimated by qualified, reputable, and independent experts.
- Flood insurance policies have different rules than home insurance policies.
- Start working on a detailed and itemized “proof of loss” form but don’t rush and leave things out.
- Give your home and/or flood insurer a chance to do the right thing, but advocate for yourself and be prepared to get help if you’re not being treated fairly.
- Sources of help include professional claim advocates and attorneys, FEMA, and your state’s Department of Insurance. You may have damage covered by both your homeowners and flood policies. Please visit our State-by-State library for additional resources.
- If a home or flood insurance adjuster says damage isn’t covered, but you feel it should be, get an independent professional opinion before giving up on getting some or all of your claim paid.
Check your home and wind policies for special deductibles or coverages related to Hurricane damage. You’ll find lots of information in our library, tips, videos and tools. Every type of insurance policy contains a deadline for submitting your proof of your loss and claim. NFIP flood policies usually require a complete proof of loss to be submitted within 60 days of the storm, unless extended by FEMA.
If your home is damaged or destroyed, our guidance on insurance, clean up and professional claim, construction and legal services will help you get started on the road to recovery and make good decisions or repairing or rebuilding or replacing your home.
United Policyholders is non-profit and has almost 30 years of experience in communities hit by catastrophic losses from disaster. We’re rooting for you and here to help. No strings attached.
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Taking it in and Getting Started
If you are evacuated and need assistance finding shelter, the American Red Cross may be able to help.
Federal Emergency Management Agency (FEMA) has declared a major disaster declaration in Louisiana, Mississippi, New Jersey, New York, and Pennsylvania, which means that SBA and FEMA resources will be available for the counties in the Disaster Declarations.
United Policyholders encourages all impacted households to click here and register with FEMA to get information and aid. Remember to register with FEMA, disaster survivors can apply for federal aid even if insured. Disaster assistance may be able to fill insurance gaps or provide help if you’ve been waiting more than 30 days on a homeowner’s claim.
The nonprofit organization Consumer Federation of America has published detailed and helpful information that covers What Consumers Should Do to Get Fair Claims Payments in the Wake of Hurricane Ida.Resources General
- Arranging Temporary Housing
Getting Organized, Informed and Empowered
Getting Debris Removed
Being Pro-active in Documenting and Valuing Your Losses
- Insurance Recovery Tips for the Dwelling Part of Your Claim
- Reimbursement for Claim Preparation Expenses
- The Scoop on “Scope” (of loss)
- Guidelines For Reviewing Adjusters’ And Contractors’ Estimates
- Xactimate Demystified
- Survivors Speak: Estimating Your Loss
- Sample Letters and Documents
- Mobile/Manufactured Home Insurance Claim Tips (California)
- Creating Your Home Inventory and Navigating Your Contents Claim
- Making Housing and Financial Decisions
- Choosing a Contractor
Working with Your Mortgage Company
Your mortgage company cannot require you pay off your loan with your insurance proceeds, but they will typically be listed on the insurance payments along with you. Fannie Mae’s Disaster Response Network™ can help eligible homeowners navigate the broader financial impacts of disaster and the challenging recovery process with a team of HUD-approved housing counselors offering:
- A needs assessment and personalized recovery plan
- Help requesting financial relief from FEMA, insurance, mortgage servicers, and other sources
- Web resources and ongoing guidance from experienced disaster relief advisors
Homeowners can call 877-833-1746 to access the Disaster Response Network or other available resources.
Visit Fannie Mae’s KnowYourOptions.com consumer website for housing resources, including details on disaster relief. Homeowners can visit www.knowyouroptions.com/relief to learn more and find out if they have a Fannie Mae-owned mortgage and access to the full benefits of their Disaster Response Network.Resources General
- Getting help if/when you need it
Taking Care of Yourself Along the Way
Government Bulletins & Announcements
Read a copy of the Circular Letter: Insurance Claims Arising out of Tropical Depression Ida