What if my insurance settlement is delayed?

     If a decision on your insurance settlement has been delayed longer than 30 days from the time you filed the claim, you will need to write a letter to FEMA explaining the circumstance.  You should include documentation from the insurance company proving that you filed the claim.  If you filed your claim over the telephone, you should include the claim number, date when you applied, estimated time of how long it will take to receive your settlement.  Any help awarded to you by FEMA would be considered an advance and must be repaid to FEMA once an insurance settlement is received.