Understanding a FEMA Decision Letter

A letter from FEMA saying you are not approved for disaster assistance may not be a denial or final decision. Sometimes, FEMA just needs more information or supporting documentation from you.

Here are some common reasons community members receive a letter saying they are "not approved" for assistance at this time, and some suggestions for how they can respond to FEMA.

You haven't sent FEMA the requested documents or information

Read your FEMA letter thoroughly and send FEMA the requested information. If that information is not available, let FEMA know why.

Your damage or loss is covered by insurance or other sources

By law, FEMA cannot provide financial assistance if you received funding for the same disaster-caused need from other sources. If you received funding from insurance, local or state programs, or financial assistance from voluntary agencies, FEMA cannot cover those same expenses.

If you received funds from other sources, send FEMA documentation showing how those funds were used. The documentation must prove the funds you received were not enough to cover your disaster-related expenses, or that the funds were intended to be used for another purpose.

FEMA was unable to verify your identity or occupancy

By verifying your identity, FEMA prevents fraud and ensures you receive eligible disaster assistance. FEMA verifies your identity and occupancy using public and government records or by reviewing documents you submit. FEMA may also verify occupancy at the time of inspection of the damaged property.

• Contact FEMA to submit documents that prove your identity and occupancy.

The damaged home was not your primary residence

FEMA provides disaster assistance to eligible community members for a primary residence-where you live for more than six months of the year. FEMA will not consider more than one primary residence for survivors and their spouse.

Contact FEMA to submit documents that verify your residency.

Insufficient damage to be eligible for FEMA assistance

You may have insufficient damage if your home is safe to occupy and the damage doesn't affect whether you can live in the home. Damage to non-essential areas, landscaping or spoiled food is not eligible for FEMA assistance.

If you applied for federal disaster assistance but told FEMA you have no damage caused by the disaster, FEMA will find you ineligible for assistance.

FEMA provides grants only for repairs to make a home safe, accessible and functional. FEMA does not provide assistance for non-essential household items and personal property.

If your housing needs have changed, contact FEMA quickly to update your housing and explain why you need assistance.

A FEMA inspector was unable to reach you at the contact information you provided

It is important to return FEMA pholne calls and requests for information in a timely manner. If FEMA cannot reach you, or you do not provide the requested information, FEMA may find you ineligible for assistance. You, or a representative you identify, must be present at any appointment with FEMA officials or home inspectors. Please make sure to answer calls from FEMA. Note that FEMA calls may come from an unfamiliar number.

If you still need a home inspection, call 940-898-5510to request one. Home inspectors do more than look at your home's damage; they can verify ownership, your identity and may find additional items that are potentially eligible for assistance.

Additional Information

If you disagree with a FEMA decision, you have the right to appeal

You can appeal any FEMA decision or award amount by sending documents that show you qualify and need more help. You may send FEMA estimates for repairs, receipts, bills, etc. Each decision letter you receive from FEMA explains types of documents that may help you appeal the decision or award amount for that type of assistance.

Supporting documents may include:

• receipts
• bills
• repair estimates
• any other information that may support the reasons for the appeal.

To send appeals or supporting documents to FEMA:

• Upload them to your FEMA account at DisasterAssistance.gov
• Fax: 800-827-8112
• Visit the Disaster Assistance Center located at the Zuni Tribal Building:

1203B State Hwy 53 Zuni, NM 87327, Monday- Friday 8am-6pm

To apply for FEMA assistance

• Visit the Disaster Assistance Center located at the Zuni Tribal Building:1203B State Hwy 53 Zuni, NM 87327, Monday- Friday 8am-6pm
• Call 940-898-5510.

For the latest information about recovery, visit fema.gov/disaster/4954. Follow FEMA Region 6 on social media at x.com/FEMARegion6 and at facebook.com/FEMARegion6/