The Federal Emergency Management Agency (FEMA) is a government agency charged with emergency management of any disaster that occurs in the United States, and is declared a federal disaster area by the President of the US.  FEMA is responsible for mitigation, preparedness, response and recovery.

The FEMA process is very complex.  It involves strict guidelines for eligibility, lengthy procedures and many regulations.  In order to benefit from FEMA’s help, applicants must follow them and adhere to deadlines.  For More information go to http://www.fema.gov/txt/about/process/help_after_disaster_english.txt. 

You are responsible for documenting and providing all the information pertaining to your claim.  You may want to enlist the help of a Public Adjuster in addressing the complicated FEMA requirements successfully.

When facilities owned by the public or by private Non Profit organizations suffer loss, they may be eligible for FEMA’s Public Assistance Program.  Assistance provided by this program is a supplemental reimbursement and has its own application procedures and guidelines for eligibility.  See http://www.fema.gov/rrr/pa/overview.shtm for more on those. 

Formal complaints should be filed with the Texas Department of Insurance. We encourage all of our clients to a file a format complaint so that it is on record with the TDI. Complaints can be filed at https://wwwapps.tdi.state.tx.us/inter/perlroot/consumer/complform/complform.html

Useful links:

http://www.fema.gov The Federal Emergency Management Agency (FEMA).

helpful phone numbers for hurricane victims, from The Disaster Center site.

http://www.insurerfraud.com/index.html from William R. Berkley, W.R. Berkely Corp. chairman and CEO. Article on Insurance Fraud.

http://www.consumerwatchdog.org/insurance - the Foundation for Taxpayer and Consumer Rights.

http://www.texaswatch.org/TW/index.cfm?event=showPage&pg=insNews  - Texas Watch - Improve consumer and insurance protection for Texas families.



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