Do I have to file a claim with my insurance company since I have to pay a deductible? Why can’t FEMA just help me?
By law, FEMA cannot give you money for items that your insurance covers, (this would be considered a duplication of benefits), but FEMA may be able to help with uncompensated losses or unmet needs not covered by your insurance company. If you have not already contacted your insurance agent to file a claim, please do … Continued