How to Appeal to FEMA

1. The most common reasons for denial are insurance related. FEMA cannot provide assistance for items covered by insurance; Therefore, FEMA must wait for all insurance claims to be processed before providing assistance and must receive proper documentation from the insurance company.

2. Another common reason for denial is failure of the applicant to provide sufficient proof of occupancy or ownership.

3.Claims will be denied if the property is not the applicant's primary residence.

4. FEMA may have failed to verify the applicant's identity.

5. FEMA may also decide that the damage is not sufficient to require assistance.

Just because an initial claim was rejected does not mean it is impossible to receive help. Claims denied for insurance reasons may be accepted if the insurance company provides FEMA with proof of denial or an insurance settlement does not sufficiently cover the losses. Problems with identity or occupancy verification can often be fixed with further documentation. Don't waste more time and take another chance that your claim will be denied. Get the FEMA Insider's guide today and cut through the red tape to get your appeal approved!

1. All appeals must be submitted in writing. Write a letter to FEMA explaining why you believe the initial decision regarding your claim is inaccurate. The letter must be signed and include a registration number and a disaster number. These numbers can be found on your denial letter.

2. Collect all the documentation necessary to support your case and send it with your letter.

3. Mail your appeal letter to:
FEMA - Individuals & Households Program
National Processing Service Center
P.O. Box 10055
Hyattsville, MD 20782-7055

or you can fax you appeal letter to:

(800) 827-8112
Attention: FEMA - Individuals & Households Program

5. The letter must be mailed no later than 60 days from the date of your denial letter.

6. Wait for the decision. It usually takes about 30 days for FEMA to review an appeal. You will be notified of the decision by mail.

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