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Recovery Navigator
Your step-by-step guide to FEMA assistance, SBA loans, and disaster recovery programs
Start Here: Register with FEMA
The first step in disaster recovery is registering with FEMA.Apply now at DisasterAssistance.gov or call 1-800-621-3362
1
Safety First
Immediately
Ensure your safety and document all damage
- Wait for official all-clear before returning home
- Take photos and videos of ALL damage before cleanup
- Keep all receipts for emergency expenses
- Contact your insurance company immediately
2
Register with FEMA
Within first week
Apply for FEMA assistance as soon as possible
- Register at DisasterAssistance.gov or call 1-800-621-3362
- Provide accurate damage information
- Keep your FEMA registration number safe
- Respond promptly to any FEMA requests
Deadline: 60 days from disaster declaration
3
File Insurance Claims
Within first week
File claims with all applicable insurance providers
- Contact homeowners/renters insurance
- File flood insurance claim if applicable
- Document all communications with insurers
- Get everything in writing
4
Apply for SBA Loans
Within 2 weeks
Low-interest disaster loans for homeowners and businesses
- Complete SBA loan application (required even if you may not need a loan)
- Gather required financial documents
- SBA denial may qualify you for more FEMA assistance
Applying for SBA loan is REQUIRED to be considered for additional FEMA assistance
5
Seek Additional Assistance
Ongoing
Apply for other available programs
- D-SNAP for food assistance if available
- Disaster Unemployment if job affected
- Voluntary organizations for immediate needs
- Local grant programs
6
Begin Recovery Process
After insurance assessment
Start repairs and rebuilding
- Get multiple contractor bids
- Verify contractor licenses
- Don't pay full amount upfront
- Keep all receipts and contracts
7
Appeal if Necessary
Within appeal deadlines
Don't accept unfair denials
- Request FEMA appeals if denied or underpaid
- Contact insurance commissioner for insurance disputes
- Seek free legal aid if needed
- Document everything