|HOW TO MOVE FORWARD AFTER YOUR FEMA LETTER ARRIVES|
Hurricane Sandy survivors have many options for obtaining disaster assistance even if they receive a letter stating they have insufficient damage.
The survivor has three key options after receiving an “ineligible insufficient damage” letter from
the Federal Emergency Management Agency (FEMA):
Some groups provide volunteers to help out with minor repairs to real estate.
The “insufficient damage” determination is made by a housing inspector under contract with FEMA. After making an appointment with the survivor, the inspector views the property and assesses the impact of Hurricane Sandy on essential living areas.
The inspector is required to determine whether the home is safe, sanitary and functional. That is the definition of habitability.
After the inspection, FEMA makes a determination about eligibility, and the disaster survivor receives
a letter from FEMA concerning the status of the application. The letter is a starting point about whether or not the applicant will receive disaster assistance.
A letter stating that the structure is “ineligible” due to “insufficient damage” means that the inspector found that the home or property did not sustain sufficient damage to essential living areas to qualify
for disaster assistance. Essential living areas include one living room, one kitchen, one dining room,
and bedrooms sufficient to accommodate the number of persons occupying the house.
Although the disaster may have caused damage, the inspector found it reasonable to expect that
the applicant or the applicant’s landlord would make the repairs.
Always read the FEMA letter carefully and follow the instructions. If there are any questions,
call the FEMA Helpline 800-621-FEMA (3362) or TTY 800-462-7585. The Helpline is open
24 hours a day, seven days a week, or visit a Disaster Recovery Center for one-on-one assistance.
Survivors should also refer to pages 20-26 of the booklet, "Help after a Disaster: Applicant's Guide to the Individuals and Households Program," which is mailed to everyone who registers with FEMA.
This guide explains all possible reasons for denial of assistance.
FEMA assistance is designed to cover disaster damage and losses not covered by insurance. If an insurance settlement does not cover all losses, contact the FEMA Helpline at 800-621-FEMA (3362),
or TTY, 800-462-7585.