What if I have insurance? If I have homeowners insurance, can I still apply for FEMA assistance?

Be sure to file a claim with your insurance company before applying for FEMA disaster assistance. If your insurance does not cover all your losses or is delayed, you may be eligible for FEMA assistance regarding your unmet needs. Document everything and continue to document if anything additional occurs related to flooding damage (e.g., mold growth).

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1. What do I do now that Essex County has received a FEMA disaster declaration?
2. What do I do if I am still waiting on remediation or home repairs?
3. What if I have insurance? If I have homeowners insurance, can I still apply for FEMA assistance?
4. How long will it take to hear back from FEMA?
5. What is the Township doing to assist affected residents and businesses?
6. I’m a resident experiencing immediate hardship in the aftermath of Ida. Where can I go for help?
7. I’m a small business owner. How can I get help?
8. What If I am unable to apply for FEMA disaster assistance online?