What to do if you do not have flood insurance

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If a hurricane destroys a home in Florida and the homeowner does not have flood insurance, there are several options and steps they can take to seek assistance and begin the recovery process:

1. Federal Emergency Management Agency (FEMA) Assistance: Homeowners may be eligible for financial assistance from FEMA, even without flood insurance. FEMA provides grants for temporary housing, repairs, and personal property losses. While this aid is limited and typically does not cover the full cost of rebuilding, it can help with immediate needs. To apply, visit disasterassistance.gov or call 1-800-621-3362.
2. Small Business Administration (SBA) Disaster Loans: The SBA offers low-interest disaster loans to homeowners and renters to repair or replace damaged property, even if they don't own a business. These loans can cover losses not fully compensated by FEMA or other sources.
3. State and Local Resources: The state of Florida, along with local governments, often provides additional support through recovery centers, grants, and emergency shelters. Residents can reach out to the Florida Division of Emergency Management for local recovery programs.
4. Charitable and Non-Profit Organizations: Various organizations, such as the American Red Cross, United Way, and local non-profits, often step in to provide immediate relief and support services. These can include temporary housing, food, and assistance with cleanup efforts.
5. Insurance Adjustments: If a homeowner has other types of insurance (such as windstorm or homeowners insurance), they should file a claim for damage related to wind or other non-flood-related hurricane damage. Flood damage, however, will not be covered unless the homeowner has a separate flood insurance policy.
6. Explore Grants and Relief Programs: After a disaster, relief grants and financial aid programs may be announced by the federal government or the state. Homeowners should stay informed about these opportunities.
7. Community Resources: Neighbors and community groups often mobilize after a disaster to provide assistance with cleanup and recovery. Volunteering or seeking help from local faith-based organizations or community centers may provide additional resources.
8. Legal Aid: In some cases, legal assistance may be needed to address issues related to insurance claims, property disputes, or accessing available aid. Free legal help is sometimes available after disasters through organizations like Disaster Legal Aid.

Although lacking flood insurance can make the recovery process difficult, these resources can help you begin to rebuild and restore your home after a hurricane.