The aftermath of a wildfire can be devastating, leaving many homeowners uncertain about their next steps. While insurance is crucial, federal assistance through FEMA (Federal Emergency Management Agency) can provide additional relief. If you’ve been affected by the Southern California fires, here are five essential tips to help you navigate FEMA assistance, along with key questions to ask.

5 Essential FEMA Tips

1. Apply for Assistance ASAP

Time is of the essence. Register for FEMA assistance as soon as possible at disasterassistance.gov or by calling 1-800-621-FEMA (3362). Even if you have insurance, FEMA may provide support for temporary housing, personal property replacement, or disaster-related expenses not covered by your policy.

2. Keep All Documentation

FEMA requires thorough documentation for claims, appeals, and reimbursements. Be sure to:

• Save all FEMA correspondence and claim numbers.
• Keep receipts for temporary housing, repairs, medical expenses, and other disaster-related costs.
• If denied, you have 60 days to appeal, so maintaining organized records can strengthen your case.

3. Know Your Housing Assistance Options

If your home is unlivable, FEMA may provide temporary rental assistance or direct housing options for eligible individuals. Additionally, you may qualify for Transitional Sheltering Assistance (TSA), which covers hotel stays for a limited time. Be sure to ask about these programs when you apply.

4. Don’t Assume You’re Ineligible

Many homeowners mistakenly believe they cannot receive FEMA aid if they have insurance. However, FEMA may cover gaps in insurance coverage or offer grants for uninsured losses such as debris removal, medical expenses, and essential home repairs. Additionally, low-interest SBA disaster loans may be available to homeowners and renters who need extra financial support.

5. Beware of Scams

Unfortunately, natural disasters often attract fraudsters. Keep these safety measures in mind:

• FEMA will never ask for money, financial details, or payment to apply for aid.
• Verify any calls or emails claiming to be from FEMA by contacting their official helpline (1-800-621-3362).
• If you suspect fraud, report it to FEMA or the National Center for Disaster Fraud (NCDF).

Navigating disaster recovery is challenging, but taking the right steps early can make all the difference. By applying for FEMA assistance, documenting your losses, and asking the right questions, you can access the support you need to rebuild your home and life.

For more information, visit disasterassistance.gov or call 1-800-621-FEMA (3362).