How To Recover From a Flood if You Don't Have Insurance

6/2/2022 (Permalink)

How To Recover From a Flood if You Don't Have Insurance

Sometimes, those who do not live in a flood plane may not feel the need to purchase flood insurance. However, every home is susceptible to flooding. If your Spring Glen, FL, home is affected by a flood, and you are uninsured, there are many institutions that may be able to help.

Nonprofit Organizations
After a flood occurs, check with nonprofit organizations, such as the American Red Cross, to see what assistance they are able to offer. The Red Cross is experienced in delivering emergency provisions and cleanup supplies to those in need. They can help with finding temporary shelter or longer-term housing. Other organizations that may have resources to help include United Way, Salvation Army, and smaller local charities. Throughout most of the United States, you can dial 211 and find assistance for a variety of issues, including help after a flood.

FEMA and Other Government Organizations
Many government organizations also help individuals without flood insurance recover. Check with the following agencies to see if you qualify for assistance:

Federal Emergency Management Agency
Small Business Administration
State and local government programs

The Federal Emergency Management Agency provides assistance to those affected by natural disasters through the Individuals and Households Program. These funds may be allocated for temporary housing, medical care, rebuilding costs, or other necessary expenses. The SBA offers loans to individuals who have been affected by declared disasters. Homeowners and renters are eligible to apply for a loan to replace or repair their personal property, and homeowners may apply for funds to rebuild. Check with your local government to see if another assistance is available. In some cases, you may be able to use funds from the government to hire a certified restoration service.
Although flood insurance makes recovering from a flood easier, it is possible for the uninsured to also get help by reaching out to government and nonprofit agencies. These institutions may be able to help with acute needs as well as rebuilding.