Jun 22, 2021

Why Register with FEMA If You’re Insured

Common reasons FEMA encourages even those with insurance to register for assistance.

Common reasons FEMA encourages even those with insurance to register:

  • You have received the settlement from the insurance company, but it did not cover all your losses. FEMA may be able to assist with unmet needs.
  • You have exhausted your policy limit or settlement for Additional Living Expenses (ALE for loss of use) or your policy doesn’t pay for temporary housing and your home is too damaged to live in.
  • Your settlement does not cover disaster-related costs, such as medical or dental, transportation, and other disaster-related expenses.

If you would like to speak with a FEMA specialist about your insurance situation or have any other questions about help from FEMA, call the FEMA Helpline at 800-621-3362 (TTY 800-462-7585). The Helpline is your go-to resource for answers to questions about your application or to update FEMA on your current housing situation. Lines are open daily from 6 a.m. to 10 p.m. Central Time. If you use a relay service, such as a videophone, InnoCaption or CapTel, update FEMA with the specific number assigned to that service.

You may also use the Helpline to apply for assistance. Other ways to apply are through disasterassistance.gov website or to use the FEMA app which you can install on your smartphone or tablet.

For more information on Tennessee’s disaster recovery, visit www.tn.gov/tema.html and www.fema.gov/disaster/4601. You may also follow FEMA on www.facebook.com/fema and Twitter @FEMARegion4.


FEMA’s mission is helping people before, during, and after disasters.