Can you file a storm damage claim with the government?
Short answer. Only after a declared disaster. When the President declares a major disaster with individual assistance for your county, you can apply to FEMA for grants toward uninsured needs and to the SBA for low interest disaster loans of up to $500,000 for home repairs. Your own insurance claim always comes first, and damage from undeclared storms has no federal claim process.
Federal programs
- FEMA Individuals and Households Program: grants for basic home repairs to make the home safe and livable, temporary housing and some other needs. Apply at DisasterAssistance.gov or 1-800-621-3362.
- SBA disaster loans: long-term, low interest loans for homeowners and renters in declared areas, up to $500,000 for real estate repairs and $100,000 for personal property. You do not need to own a business.
- IRS relief: filing deadline extensions in declared areas, and casualty loss deductions for uninsured damage.
- National Flood Insurance Program: a claim only if you had a flood policy in force.
State and local help
Georgia counties and cities often run curbside debris pickup after big storms, and state agencies may support recovery after major events. Watch your county emergency management office and GEMA, the Georgia Emergency Management and Homeland Security Agency, for announcements.
When a government entity caused the damage
If a city tree, a utility crew or a government vehicle damaged your property, you may have a claim against that entity. Claims against Georgia cities and counties carry strict written notice requirements and short deadlines, so act quickly and get legal advice.
Insurance first
FEMA and the SBA will ask what your insurance paid. File your homeowners claim right away and keep every letter. See how to file a roof insurance claim and what to do if it is denied.