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Insurance and FEMA Reimbursement

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Disaster Reimbursement

Following a disaster, government officials or designees acting on their behalf will visually inspect impacted areas and note the type and extent of damage to public and private property. Such information is used to assist the Chief Elected Official in making his/her determination to make a local disaster declaration, which is a first step in seeking government assistance. Once a local disaster is declared, state and federal emergency management officials will conduct follow up assessments to confirm a jurisdiction's eligibility for financial assistance and then launch the formal assistance process.

The role of emergency management officials following a disaster is often misunderstood. Under limited circumstances the Federal Emergency Management Agency (FEMA) does provide financial assistance to government bodies, individuals, and small businesses whose property has been damaged as part of a local disaster. However, FEMA financial assistance should not be considered a substitute for insurance nor is it a guaranteed source of funding. Private insurance remains the primary source of financial assistance available to property owners.

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