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Benefits rules

Let’s start by addressing the $200 repair claim. By law, FEMA says, it can’t give financial assistance for a disaster-driven need if it’s available from another source, including insurance. This is to protect against the double-dipping of benefits.

However, in some cases, FEMA also says it can help pay for costs insurance doesn’t cover — including if damages don’t exceed the policy deductible. But, you need a denial letter from the insurance company stating this as the reason for being denied.

It’s unclear if Lewis went through the claims process with her insurer before deciding to pay for the window repair herself, though she was seemingly unaware there may have been a path to compensation. She claims to have called FEMA following their denial of funds but says staff were unhelpful.

“It makes me so sad to think maybe they’re denying people with legitimate claims,” she said. “It just breaks my heart how mismanaged this is.”

As for the offer of a hotel stay, Channel 9 says a FEMA spokesperson informed them money for rooms was approved for a majority of registered survivors due to the hurricane's impact on infrastructure, including bridges, roads and utilities.

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Recovering from a disaster

The destruction of Hurricane Helene will cost North Carolina an estimated $59.6 billion, according to a Dec. 13 state report. While Lewis’s $200 window repair was manageable, many homeowners face significant losses that may not be covered by insurance. Here’s what you should do if your home sustains damage after a natural disaster:

Start by documenting the damage. Before you start cleaning up, take clear photos and videos of all the damage to your property, including flooding, water damage and personal belongings. If you haven't experienced a natural disaster yet, it may help to record images now for comparison. This can be critical when filing insurance claims or applying for disaster assistance from FEMA.

Notify your insurance company as soon as possible, even if you think damages might not meet the deductible, and review your policy. Remember, FEMA can only pay for damage not covered by your insurance provider, so this is critical to accessing federal assistance.

If your area has been declared a disaster zone, FEMA may offer additional support. Assistance programs can vary but may include temporary housing, like Lewis was offered. Apply through disasterassistance.gov or contact FEMA directly for more information. Some states and local governments may provide additional aid, such as food, access to shelter or grants or loans for repairs.

Finally, be prepared for scams after a disaster. Be wary of contractors who show up uninvited or callers claiming to be from your insurance company who pressure you to make decisions quickly. Never share your bank account info, Social Security number or other sensitive information with a company or organization you don't recognize. Recovering from a disaster is stressful enough without falling victim to a scam. Take your time and be wary to prevent additional hardships.

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Danielle Antosz Freelance contributor

Danielle Antosz is a freelance contributor to Moneywise.

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