BY ROGER SMITH
MOUNTAIN CITIZEN

In the aftermath of disasters, survivors seeking assistance from the Federal Emergency Management Agency (FEMA) may find that their initial decision is not what they expected. But a denial or lower-than-expected award is not necessarily the final word. Individuals affected by disasters have the right to appeal any decision or award amount.

According to FEMA, if an application status says “Not Approved,” this can be for a variety of reasons. The determination letter will explain the specific reasons for the denial. Many times, FEMA just needs some extra information or an applicant may need to correct information.

FEMA advises applicants to call 1-800-621-3362 or visit a Disaster Recovery Center (DRC) to make corrections to an application.

Applicants can also upload documents online.

Acceptable supporting documents include repair estimates, receipts, bills, property titles or deeds, and any other relevant documentation that supports the appeal.

Additionally, applicants may need to provide proof of insurance coverage, a settlement of insurance claims or a denial letter from their insurance provider. Likewise, they may need to provide proof of identity, proof of occupancy and proof of ownership.

It is also essential to submit evidence that the damaged property was the applicant’s primary residence at the time of the disaster.

Also include any other relevant documentation that strengthens the appeal.

FEMA states applicants do not need additional forms beyond the documentation substantiating the claim. However, individuals can also opt to complete the Appeal Request Form included in their FEMA decision letter.

Applicants must submit their appeals within 60 days of the date on their decision letter.

To ensure proper processing, all documents should clearly display the applicant’s full name, the disaster number (DR-4860-KY for Kentucky or DR-4861-WV for West Virginia), and the FEMA application number on every page.

Additionally, any receipts, bills, or estimates submitted must include the business name and contact information to facilitate FEMA’s verification process.

Survivors can send their appeal documents to FEMA through multiple channels:

• Online—Upload them to their disaster assistance account at www.DisasterAssistance.gov.
• Mail—Send documents to FEMA, P.O. Box 10055, Hyattsville, MD 20782-8055.
• Fax—Transmit to 1-800-827-8112 with Attention: FEMA – Individuals & Households Program.
• In person—Visit a Disaster Recovery Center (DRC). Find the nearest DRC location at fema.gov/drc.