The document is a guide by FEMA for individuals and households affected by disasters, outlining the Individuals and Households Program (IHP) which provides financial assistance and services for essential needs not covered by insurance. It specifies eligibility requirements and types of assistance available, including temporary housing, home repair, and replacement funds. The guide emphasizes that IHP does not cover all losses or restore properties to their pre-disaster condition.

1. Help after a disaster. Applicant´s guide to the
individuals & households program.
The Federal Emergency Management Agency (FEMA) (2008).

2. Photograph by Master Sgt. Mark Olsen/U.S. Air Force

3. Introduction
 For disaster‐specific questions, it is always best to visit our
website at http://www.disasterassistance.gov/ or contact
the FEMA Helpline at 1‐800‐621‐FEMA (TTY
1‐800‐462‐7585 for the hearing impaired).
 FEMA’s programs are designed to help meet essential needs
and assist individuals and their households in taking the
first steps toward recovery.
 FEMA programs are not intended to return all homes or
belongings to their pre‐disaster condition.
 Follow FEMA online
at www.fema.gov/blog, www.twitter.com/fema, www.facebo
ok.com/fema, and www.youtube.com/fema.

6. Waves crash into a pier in Nags Head, N.C., Oct. 27, 2012. (Gerry Broome/AP)

7. PURPOSE:
 When disasters take place, the Individuals and
Households Program (IHP) provides money and
services to people in the disaster area when losses are
not covered by insurance and property has been
damaged or destroyed.
This program guide provides information that will
help you understand IHP and explains how to
apply. You must meet specific eligibility conditions to
qualify for help.
IHP is designed to help you with critical expenses that
cannot be covered in other ways

8. LIMITATIONS:
 IHP will not cover all of your losses from damage to
your property (home, personal property, household
goods) that resulted from the disaster.
IHP is not intended to restore your damaged property
to its condition before the disaster. In some cases, IHP
may only provide enough money, up to the program
limits, for you to return an item to service.
IHP does not cover business‐related losses that
resulted from the disaster.
By law, IHP cannot provide money to you for losses
that are covered by your insurance.

10. CNBC. (2012).

11. Assitance.
 Temporary Housing (a place to live for a limited period of
time).
 Repair: Money is available to homeowners to repair
damage from the disaster that is not covered by insurance.
 Replacement: Money is available to homeowners to
replace their home destroyed in the disaster that is not
covered by insurance.
 Permanent/Semi Permanent Housing
Construction: Direct assistance or money for the
construction of a home.
 Other Needs: Money is available for necessary expenses
and serious needs caused by the disaster

13. The remnants of a roller coast sits in the surf three days after Hurricane Sandy came ashore
in Seaside Heights, New Jersey November 1, 2012. (STEVE NESIUS/REUTERS)

14. To be used by people in Presidentially
declared disaster areas:
 Apply online by visiting http://www.disasterassistance.gov/
or by phone by calling 1‐800‐621‐FEMA (3362)
(hearing/speech impaired ONLY—call 1‐800‐462‐7585). In
addition to having a pen and paper, please have the
following information ready:
 Your Social Security Number.
 A description of your losses that were caused by the disaster.
 Insurance information.
 Directions to your damaged property.
 A telephone number where you can be contacted.

15. When will I be contacted by an
inspector?
 If you are uninsured or lack the appropriate insurance
coverage, an inspector will call to schedule an
appointment to visit your property. In some cases, you
may be contacted the same day you apply. However, in
most cases the inspector will call within the next
several days, but usually no later than 10 days.
 The inspector will need to see your identification and
you must provide proof of ownership (for
homeowners) and occupancy to show the inspector.
 Inspectors file your report but do not determine your
eligibility.

16. Program Eligibility.
 To receive money or help for Housing Needs that are the
result of a disaster, all of the following must be true:
 You have filed for insurance benefits and the damage to your
property is not covered by your insurance. You may be
eligible for help from IHP to repair damage to your property.
 You or someone who lives with you is a citizen of the United
States, a non‐ citizen national, or a qualified alien.
 Your home is in an area that has been declared a disaster area
by the President.
 The home in the disaster area is where you usually live the
majority of the year.
 You are not able to live in your home now, you cannot get to
your home due to the disaster, or your home requires repairs
because of damage from the disaster.

17. English.
Español.

18. NASA. (2012).
When something like this hits us…
… there is no “little” that we can do.
RT this slide share and use the hashtag #RestoreTheShore.

21. APA References and Sources
 Disaster Asistance. (n.d.). Disaster Assistance. [Web page]. Recuperado el 4 de noviembre de 2012 de
http://www.disasterassistance.gov/
 The Federal Emergency Management Agency (FEMA) (2008). Help after a disaster. Applicant´s guide
to the individuals & households program. [PDF document]. Recuperado el 4 de noviembre de 2012 de
http://www.fema.gov/pdf/assistance/process/help_after_disaster_english.pdf
 The Federal Emergency Management Agency (FEMA) (2008). Ayuda después de un desastre. Guía
del solicitante para el Programa de Individuos y Familias [PDF document]. Recuperado el 4 de
noviembre de 2012 de http://www.fema.gov/pdf/assistance/process/help_after_disaster_spanish.pdf
 The Federal Emergency Management Agency (FEMA) (2008). Disaster Assistance Center. [Web
page]. Recuperado el 4 de noviembre de 2012 de
https://www.disasterassistance.gov/DAC/IsaacReceiver.do
 Olsen, M. (2012, Nov 02). Hurrican Sandy: Live storm reports. [Photo]. Businessweek. Recuperado el 3
de nov de 2012 de http://www.businessweek.com/articles/2012-10-30/new-york-airports-shuttered
 Stable ford, D. (Oct 28, 2012). Sandy: East Coast braces for epic hurricane, ‘life-threatening’ storm
surge. [Log post]. Yahoo news. Recover the Nov 3, 2012 from
http://news.yahoo.com/blogs/lookout/sandy-hurricane-east-coast-nyc-forecast-142549538.html
 Capehart, J. (Nov 2, 2012). Friday’s p-Op quiz: ‘Sandy’ edition. [Log post]. The Washington Post.
Recuperado el 3 de noviembre de 2012 de http://www.washingtonpost.com/blogs/post-
partisan/post/fridays-p-op-quiz-sandy-edition/2012/11/01/161d4998-246f-11e2-ba29-
238a6ac36a08_blog.html
 CNBC (n.d.). Scenes from hurricane Sandy [Slideshow]. CNBC. Recuperado el 3 de Nov de 2012 de
http://www.cnbc.com/id/49597213/Scenes_From_Hurricane_Sandy
 NASA. (2012). Suomi NPP Satellite Captures Detailed Imagery of Hurricane Sandy. [Photo].
Recovered on Nov 3, 2012 from
https://plus.google.com/u/0/photos/+NASA/albums/5672405623980075985/5804738774562279298