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Disaster Relief Action Plan 2017

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Resource for Disaster Relief

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Disaster Relief Action Plan 2017

  1. 1. Disaster Relief Action Plan and List of Resources There are many ways to get assistance after a natural disaster. The following steps will explain how to search for assistance you may qualify for from agencies and from organizations. Step 1 - GetAssistance - If there is a Federal DisasterDeclaration in your state, and in your county, you will needto contact FEMA: https://www.disasterassistance.gov/ https://www.fema.gov/apply-assistance Fema Mobile App Online Registration: https://www.disasterassistance.gov/ Phone Registration: 1-800-621- FEMA (3362) TTY 1-800-462-7585 (speech&hearingimpaired) HelpAfterDisasterbooklet –http://www.fema.gov/pdf/about/process/help_after_disaster_english.pdf Step 2 - Within24 hours, file a Homeowners,Renters,and/or Auto Insurance claim. ● Requestacopy of your policy toassistyouwithunderstandingyourcoverages. ● As a homeowner,yourinsurancecompanyexpectsyoutopreventfurtherdamage toyourdwellingand property.Keeptrackof hours spentandmaterialsusedtosecure yourpropertyagainstfurtherdamage. These expensesandeffortscanapply towardsyourdeductible orinsome casesbe reimbursed.Askthe insurance adjusterif theycancut a check to coverthe cost of debrisremoval andsupplies(suchastarps, etc.) to secure yourhome fromfurtherdamage.Talkto your adjusterforspecificsrelatedtoyourpolicy. ● If your house isdeemeduninhabitable bythe insurancecompany andyouhave torelocate ask about“Additional LivingExpense”coverage toprovide upfrontmoneyforrelocationcosts.Be sure to keep a record of all expenseswith receipts. ● If youhave “ReplacementCost”coverage,itemsshouldbe replacedwiththe newversion of thatitem. ● Asworkis done onrebuildingyourhome all work should be coveredtobringuptocode perthe “ordinance of law”and ispart of all homeownerpolicies. ● If your house isatotal lossyoushould receive 100% of the face value of yourhomeownerpolicy plusa minimumof 50% of the face value forcontents. ● If a vehicle istotaled,searchfora like,kindandqualityvehicle:same yearmake,model,andfeatureson eBay,Craigslist,AutoTrader.com,andlocal newspapers.Printandsendcopiestoyourclaimsadjusterif they are not offeringareasonableamounttoreplace vehicleoraskforthemto replace vehicle withexact duplicate. Note: If you havecollision only coverageon a vehicle, sameinsurancecompany covers homeownerand auto,and a treefalls and damagesortotalsthe vehicle, insurancewill not coverthe vehicle. ● If youhave any questionsabout policycoverage,reimbursement,oraboutany documentsyou are asked to sign, contact the GA Insurance Commission- 404-656-2070 https://www.oci.ga.gov/ Step 3 - Contact your UtilityCompanies - Reportpoweroutages,damage tometers,downwires,leaks,orif youhave had to relocate outof yourhome due to damages.Inquire aboutassistance programswithutility billsforstormvictims. Some local companies: Georgia: AtlantaGas Light 770-994-1946, GA Power1-888-660-5890, Greystone 770-942-6576, GA Natural/AtlantaGas - 770-850-6200, Scana Energy770-907-4231, CobbEMC 770-429-2100, Cityof Dallas Water 770-443-8110, Carroll CountyEMC 770-832-3552, PauldingCountyWaterSystem(770) 445-2761 Step 4 - Contact your Mortgage Company - Informthemthat youhave fileda homeowners’ insurance claimand ask if paymentscanbe deferredoraddedto the endof the mortgage,if youcan pay interestonly paymentsfora specifiedtime,orif theywill spreadanypastdue amountsoverthe nextfew months. Copyright 2017 - www.thelifeboat.info - Rev B - 09-07-17 - Permission to copy and distribute. The information in this document is not a guarantee of benefits or payment.

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