Government Help With Hurricane Damage to a Home

FEMA

• Applications are available from FEMA for housing needs such as temporary housing, repairs, replacement and permanent housing construction. For FEMA to operate in your area, the area must be declared a disaster by the president or in some cases, the governor of the state.

Small Business Administration

• The Small Business Administration has loans available for homeowners for disaster-related repairs to personal property and home repairs. Homeowners must complete an application process before a loan approval.

Insurance

• Before applying for grants or loans from the Small Business Administration or FEMA, you must file a claim with your insurance company. Damages that are not covered by your homeowners insurance are considered for a grant or loan through these government agencies.