Flood Damage >> How To File A Flood Insurance Claim

If the flooding was widespread and caused a lot of damage, your community might be eligible for state or federal aid. To receive such assistance, your community must be declared a disaster area by your Governor, How To File A Flood Insurance Claim a federal agency director, or the President.

Local newspaper, radio and TV will keep you informed about disaster declarations and where to get information about any programs that might be available to you.If the flood were severe enough for your area to be declared a disaster area by the federal government, the Federal Emergency Management Agency may open"teleregistration, How To File A Flood Insurance Claim which provides atoll-free number for you to call to request assistance.

Or, it may open one or more Disaster Application Centers (DAC).These centers will give information and take applications forassistance and are usually locatedin a nearby school or other publicbuilding. They will be open during the day and How To File A Flood Insurance Claim early evening forseveral days to give people time tocome in.

Check local newspapers,TV and radio reports for the location and hours.Federal disaster assistance maybe available in some cases to dealwith uninsured losses and How To File A Flood Insurance Claim needs.People who are not insured shouldgo to a DAC first. If possible,those with insurance should filetheir Proof of Loss form beforevisiting a DAC.

If there is a longwait, you can make an appointment for a later day, How To File A Flood Insurance Claim or use thetoll-free number. (Look atFEMA's site on the World WideWeb for more information:http://www.fema.gov).When you go to a DAC orapply for disaster assistance, takethe items listed below: The firstperson you will talk to at a DACwill be a receptionist.

He or shewill review your damage andneeds, and identify which programs are most appropriate foryou. You will receive a checklist ofprograms that can help you. Youcan then talk to representatives ofthese programs at tables in theDAC.There are six types of federal orstate disaster assistance. How To File A Flood Insurance Claim

Except asnoted, the following are availableonly if the President issues a disaster declaration for your area. Before you got to a DAC or phonethe toll-free number, do your bestto get together the following information and documents. If youdon't have all of them, don't worry;gather what you have and How To File A Flood Insurance Claim start yourdisaster assistance applicationprocess.

Your name, address, SocialSecurity number, and identification Telephone numbers where you ora neighbor can be reached Names and ages of all persons living in your home at the time ofthe flood Insurance papers, including the"Proof of Loss form A summary of your damage and How To File A Flood Insurance Claim arough idea of the cost of repair orreplacement (See Step 3.)

Your income and the income ofall other members of your household. Who you owe money to and howmuch you owe (mortgage, carloan, etc.) The total amount of your livingexpenses (rent, mortgage, food,clothing, utilities, medical, andtransportation costs) How To File A Flood Insurance Claim

Directions to your property, starting from a major road, and aroad map with an X for yourproperty. Disaster Housing AssistanceThis program may provide asafe place to live until repairs todamaged homes are completed.Rent assistance or How To File A Flood Insurance Claim mobile homesmay be provided to those withoutinsurance.

If repairs can be donequickly to make your house liveable, the program may providefunds to make those repairs.Disaster LoansHome and business owners, farmers, How To File A Flood Insurance Claim and others with real or personal property losses may be eligiblefor low interest loans.

These loansare administered by the federalgovernment's Small BusinessAdministration (SBA) and theFarmers Home Administration(FmHA). SBA and FmHA canprovide loans even if there is noPresidential disaster declaration.Eligibility and How To File A Flood Insurance Claim loan interestrates vary according to the incomeand financial condition of theapplicant.

Check your local paperor TV or radio station for the typeof loans available for replacingyour personal property and forrepairing your house.Individual and family grantsThis program may provide fundsfor necessary expenses and seriousneeds. Grants can cover immediate expenses such as medical treatment, transportation, home repair,replacement of essential personalitems, How To File A Flood Insurance Claim and the cost of protectingyour property from the flood.

Applicants must not have otherfinancial resources or be able toqualify for an SBA disaster loan.Income tax deductionsIf a federal disaster declaration wasmade, you might quality to file anamended tax return for the pastyear and How To File A Flood Insurance Claim get a partial refund foryour uninsured casualty losses.

Even if no federal declaration ismade, you can often deduct youruninsured losses on your nextincome tax return. Ask theInternal Revenue Service forPublication 547, Non-BusinessDisasters, Casualties, How To File A Flood Insurance Claim and Theft toget more information. Floodproofing assistance Restoring a building to its preflood condition used to be thefocus of government disaster programs.

Now, some programsencourage "floodproofing,—thatis, modifying the structure to helpit withstand damage from the nextflood. (See Step 8.) The SBA'sDisaster Loan program can loanadditional money to cover certainfloodproofing costs—ask SBAabout it. Other programs willvary from state to state.CounselingA variety of programs give adviceon recovering from a disaster. How To File A Flood Insurance Claim

These include help with unemployment, food stamps, incometaxes, insurance claims, legalissues, veterans benefits, How To File A Flood Insurance Claim and crisiscounseling. Crisis counseling canbe especially helpful in copingwith problems as you recover fromthe flood before they get out ofhand.

Be sure to ask the RedCross about "Disaster MentalHealth information. Don't just build it back; build itbetter. Now is the best possibletime to think about floodproofingyour home because you can take definite action to protect your propertyin the future. many floodproofingmeasures are quite simple, cost effective, How To File A Flood Insurance Claim and easy to put in place.

Byfloodproofing as you rebuild, you canmake the next flood easier on youand your wallet.FloodproofingFloodproofing means to remodelor rebuild using materials andmethods that will prevent or minimize damage from future floods.Consider the benefits to floodproofing your home: By protecting your home fromdamage, floodproofing will saveyou money and How To File A Flood Insurance Claim aggravationduring the next flood. Many floodproofing measuresare inexpensive.

Protecting your house fromfuture flood damage willincrease your property's resalevalue. Many floodproofing measurescan be easily worked in duringrepair and How To File A Flood Insurance Claim rebuilding, reducingyour costs. Some financial assistance programs can help pay for floodproofing.

How To Prevent Sewer System Backup

Having sewage back up into the home is an unpleasant and potentially unhealthy experience. The information contained here can help protect you from the hazards of raw sewage in your basement and give you practical methods for proper sanitation of your building should a back-up occur.
Sewers ca  read more..

Water Damage

Mold usually grows in extremely damp and humid areas such as basements and bathrooms. Mold Remediation Water Damage from the caulking around your bathtub or shower is very common problem. First, there are different kinds of caulking, the caulking needs to be a mold and mildew resistant type and there's no way to know  read more..

Water Restoration

I've been a local Crawl Space Drying Water Restoration for 17 years and in the area of the country that I work there are many mobile homes and many prefab houses that have crawlspaces. I have seen every kind of water damage from a burst pipe, to a leaking condensation line and leaking water heaters. I have seen minor cases   read more..

Radon Test Kit In Your Home

U.S. EPA National Radon Proficiency Program Handbook July 1996 vii EPA 402-R-95-013 DISCLAIMER This Handbook was prepared by the U.S. Environmental Protection Agency (EPA or Agency). The purpose of this document is to provide applicants to and participants in the Radon Proficiency Program (RPP) with  read more..

Flood Water Disease Prevention

What should I do if road traffic kicks up dust continually?Sediments present on roadways after flood waters recede can create excessive dust after they dry out and normal traffic flow resumes. Try to avoid breathing the airborne dust to the best Water Damage Flood Water Disease Prevention extent practical. 

  read more..

Smoke Damage

You might be anxious to clean your home or business after a Fire Damage Smoke Damage, but unless you really take the time to get professional advice, you could be wasting your efforts or creating further damage. Contact your insurance agency immediately after the fire is out. They can provide advice on fire rest  read more..

Radon In Water

radon gas can enter a home from the soil through cracks in concrete floors and walls, floor drains, sump pumps, construction joints, and tiny cracks or pores in hollow-block walls. Radon Mitigation Radon In Water levels are generally highest in basements and ground floor rooms that are in contact with the soil. Factors such   read more..

How To Report A Neighbor Who Is A Hoarder In A Con

These documents will establish policy, practices and procedures are intended to reduce and prevent the incidence of severe hoarding among our County residents. These policies, practices and procedures may be either internal to one in nature and appropriate for various departmen  read more..

Asbestos Abatement

If you are reading this article, it is most likely that an Tenant Move Out Cleanup Asbestos Abatement will be performed nearby to your home or office in the future. While not inclusive, this article will try to answer many of the usual inquiries that most people might have under these conditions. Asbestos-containing building mater  read more..

Fire Damage Restoration For Electronics

Figure 11 shows a portion of the metal lead frame strip to which the individual capacitor elements will be attached in the early stages of the capacitor assembly process. The precise dimensions of the lead frame vary from manufacturer to manufacturer, but the function is the same. The leadframe prov  read more..