Insurance Guidance If you are insured via homeowner’s insurance and/or flood insurance, contacting your carrier is an important early step. The Department of Financial regulation has posted information to assist in navigating insurance claims. That information can be found here.
FEMA Disaster Recovery Centers and Business Recovery Centers Specialists are available to provide in-person information and answer your questions about FEMA’s disaster assistance programs, including the types of assistance available, the status of your application, and helping to resolve problems. Recovery experts from the U.S. Small Business Administration, state and nonprofit organizations may also be available to address your needs. Find a FEMA Recovery Center: FEMA.gov/Disaster/4720 You can also Apply for FEMA Assistance online or Apply/Check your status by phone 1-800-621-3362.
FEMA Individual Assistance Program The Individual Assistance program allows homeowners, renters, and other individuals (but not businesses) impacted by the disaster to seek reimbursement for necessary expenses and serious needs that cannot be met through insurance or other forms of assistance. The declaration currently includes those living in Chittenden, Lamoille, Rutland, Washington, Windham, Windsor, Caledonia, Orange and Orleans counties.
FEMA reports, claims, and funds This is a separate process from the 211 report because it is a claim filed with FEMA directly. Claims can be reported as soon as your county receives a federal disaster declaration. That declaration happens when FEMA receives enough information to enable that declaration to be made. The information below is a very short synopsis for reference only. To file a claim and for detailed information visit www.disasterassistance.gov or call 1-800-621-3362.
FEMA teams will be going door to door in neighborhoods. They are doing damage assessments as well. Each member of the FEMA team will have a FEMA issued identification card.
- Home Repair or Replacement: Financial assistance for homeowners to repair uninsured home damage caused by the disaster. The assistance is intended to repair the home to a safe, sanitary, and functioning living condition.
- If your primary residence is determined to be uninhabitable after a FEMA inspection.
- Housing need not covered by insurance.
- Rental Assistance: Financial assistance to rent temporary housing while disaster-caused repairs are made to your primary residence, or while transitioning to permanent housing.
- Home is unlivable as a result of the disaster.
- Who agrees to relocate.
- Whose housing needs are not covered by insurance.
- Lodging Expense Reimbursement: Financial assistance reimbursement for short-term lodging expenses
- Primary home is destroyed or is unlivable as a result of major damage caused by the disaster.
- No other practical temporary housing options available within a reasonable commuting distance due to a lack of available rental resources.
- Clean and Removal: Financial assistance for services to remove contaminants and disinfect surface areas of the home affected by floodwater.
- Moving and Storage Expenses: Financial assistance to temporarily move and store personal property from the damaged primary residence while repairs are made. Assistance may also be provided for moving essential household goods to a new primary residence.
- Disaster-related Medical and Dental Expenses: visit www.disasterassistance.gov or call 1-800-621-3362
- Other funds for flood related expenses: visit for other uninsured or under-insured disaster-caused expenses and serious needs.
Other personal property damage If you sustained damage or loss of to personal property, cars, or other items photograph them, make lists, and keep any replacement receipts. FEMA may have funding available. See the FEMA Individual Assistance section above for additional information.
Water and sewer damage If your water and sewer service has been impacted your local provider will work to restore service. Additional information about handling water and sewer challenges is below.
SBA Services For Homeowners: The Small Business Administration offers loans to homeowners and renters to repair or replace disaster-damaged real estate and personal property, including automobiles. Ask about refinancing, mitigation, and using loan funds to cover relocation expenses. Applicants may apply online, receive additional disaster assistance information and download applications at https://disasterloanassistance.sba.gov/ela. Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email email@example.com for more information on SBA disaster assistance. If you are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.