Flooded Home, Business or Vehicle? Here Are Steps to Take in Reporting Your Insurance Claim
(Separate Website)
Contact your insurer immediately if you plan to make an insurance claim regarding flooding either for your home, apartment, business or vehicle from the recent heavy rains.
Step 1: This is very important. In order to make a claim you must have flood insurance coverage for your home, apartment, or business. For flooded vehicles your auto policy must include comprehensive coverage. Otherwise, typical homeowners, renters, business owners or auto insurance policies do not cover flooding.
Step 2: Contact your insurance agent or company as soon as possible to report the claim.
Step 3: Make sure your insurer knows how to reach you at all times. Provide cell phone numbers, an e-mail address or phone numbers of relatives where you will be staying if you have been forced to leave your home.
Step 4: If you can enter your home safely, separate damaged from undamaged property; take photographs of damaged property and floodwater levels. The adjuster will need this evidence in determining your claim estimate.
GIIS reminds all Georgians that 25 to 35 percent of flooding incidents occurs outside designated flood zones. Only flood insurance policies, which are available whether one lives in or outside a designated flood plain, will provide financial protection in case of most dwelling floods, also known as â??rising water.â?쳌 Flood insurance coverage for homes and businesses is available from your insurer, through the National Flood Insurance Program (NFIP). Keep in mind that there is a standard 30-day waiting period before a flood policy goes into effect.
For vehicles, comprehensive coverage must be in place in order to provide financial protection for damage caused by flooding. There is no waiting period until this coverage goes into effect.
By: Georgia Legal Services Program®
Georgia Website Where You Can Verify a Contractor's License.
(Separate Website)
By: Georgia Legal Services Program®
HUD Mortgage Insurance for Disaster Victims - Section 203 (H)
(Separate Website)
The Section 203(h) program allows the Federal Housing Administration (FHA) to insure mortgages made by qualified lenders to victims of a major disaster who have lost their homes and are in the process of rebuilding or buying another home.
Purpose:
Through Section 203(h), the Federal Government helps victims in Presidentially designated disaster areas recover by making it easier for them to get mortgages and become homeowners or re-establish themselves as homeowners.
Insurance Comissioner Says Much Flood Damage Not Covered By Insurance
(Separate Website)
Public Benefits Advocate Newsletter - October 2009 This monthly newsletter contains updates about Georgia public benefits programs like food stamps, disaster help, TANF, Medicaid, and more.
By: Georgia Legal Services Program®
Recovering From and Coping With Flood Damaged Property
(Separate Website)
Recovering From and Coping With Flood Damaged Property
By: Georgia Legal Services Program®
Red Cross Resources for Flood Victims
(Separate Website)
Four Red Cross shelters three in metro Atlanta and one in North Georgia ?remain open, providing a safe haven for families in this time of chaos. More than 400 people have been fed and sheltered. Red Cross volunteers are also helping families with emergency medical needs and emotional support.
As flood waters recede, Red Cross Emergency Response Vehicles from across the state and the Southeast are moving into affected neighborhoods to provide mobile feeding. Teams of Red Cross volunteers are also canvassing neighborhoods to conduct damage assessment. Distribution sites for clean-up supplies are currently being established.
Returning Home After a Flood: Be Healthy and Safe
(Separate Website)
Returning Home After a Disaster: Be Healthy and Safe
U-Haul offering Free Storage to Flood Victims
(Separate Website)
U-Haul is offering 30 days of free storage to anyone whose home was damaged in the storms, or flooded out.
By: Georgia Legal Services Program®
Federal Emergency Management Agency
(Separate Website)
The Federal Emergency Management Agency - a former independent agency that became part of the new Department of Homeland Security in March 2003 - is tasked with responding to, planning for, recovering from and mitigating against disasters.
By: U.S. Department of Homeland Security
Read this in:
Spanish / Español
Georgia Emergency Management Agency Homepage
(Separate Website)
Provides links and resources for Katrina survivors as well as emergency information for Georgians
Information from HUD for Those Affected By Disasters
(Separate Website)
Information on rights in regards to mortgages, forclosure, relief programs and other housing issues
By: Atlanta Legal Aid Society, Inc.
Picking Up the Pieces: Restoring Rural Housing and Communities After a Disaster This report outlines the process that a community that has suffered a disaster can expect to go through. The report also describes the different types of help communities can get to help with housing problems after a disaster.
By: Housing Assistance Council
Georgia Website Where You Can Verify a Contractor's License.
(Separate Website)
American Bar Association's Hurricane Relief Page
(Separate Website)
Contains pro bono resources for hurricane survivors and other information.
By: American Bar Association
Answers to Common Legal Questions after a Disaster This document answers common legal questions often asked by people affected by natural disasters (i.e., floods, tornadoes, hurricanes, ice storms, etc.) in Georgia.
By: State Bar of Georgia Young Lawyers Division
About the Fema Application Process
This flyer provides you with basic information on how to apply and where to get help.
By: Georgia Legal Services Program®
About the FEMA Inspection
This flyer tells you about the FEMA inspection of your residence, what you can expect and how to prepare.
By: Georgia Legal Services Program®
After a Disaster: Repairing Your Home
(Separate Website)
This website from the Federal Trade Commission (FTC) and the Federal Emergency Management Agency offer tips for consumers who may be facing major repairs after a disaster hits home.
By: Federal Trade Commission
Read this in:
Spanish / Español
Be Prepared: Be Ready for a Disaster
Keep important documents, cash, and other paperwork close by for an emergency in case you have to leave your home and can't return quickly.
By: Georgia Legal Services Program®
Home and Personal Property Disaster Loans
(Separate Website)
This document addresses the requirements for eligibility for financial assistance from the US Small Business Administration if you are in a declared disaster area and are the victim of a disaster.
By: U.S. Small Business Administration
Read this in:
Spanish / Español
After a Disaster Landlord Tenant Questions Some cCommon questions renters have after a disaster
HELP! MY HOME WAS DAMAGED DURING A TORNADO Here are some tips you can use if your home is damaged.
By: Georgia Legal Services Program®
Was Your Apartment Damaged by the Recent Tornadoes? There Is Help Available
Was Your Apartment Damaged by the Recent Tornadoes? There Is Help Available
By: Georgia Legal Services Program®
Was Your Home Or Apartment Damaged By The Recent Tornadoes? There Is Help Available from FEMA
Was Your Home Or Apartment Damaged By The Recent Tornadoes? There Is Help Available from FEMA
By: Georgia Legal Services Program®
Was Your Home Or Apartment Damaged By The Recent Tornadoes? There Is Help Available from SBA
Was Your Home Or Apartment Damaged By The Recent Tornadoes? There Is Help Available from SBA
By: Georgia Legal Services Program®
Liability Insurance
(Separate Website)
The liability portion of your homeowner's policy is designed to cover unintentional injuries on the premises and unintentional damage to other people's property. In other words, injuries caused by your negligence are covered; those you inflict on purpose are not covered.
Here are a few tips on how to cover yourself adequately. Remember, it takes only one person who is seriously injured by your negligence to generate a huge liability award and deplete your financial nest egg, not to mention your psychological well being.
By: American Bar Association
American Bar Association's Hurricane Relief Page
(Separate Website)
Contains pro bono resources for hurricane survivors and other information.
By: American Bar Association
Answers to Common Legal Questions after a Disaster This document answers common legal questions often asked by people affected by natural disasters (i.e., floods, tornadoes, hurricanes, ice storms, etc.) in Georgia.
By: State Bar of Georgia Young Lawyers Division
About the Fema Application Process
This flyer provides you with basic information on how to apply and where to get help.
By: Georgia Legal Services Program®
About the FEMA Inspection
This flyer tells you about the FEMA inspection of your residence, what you can expect and how to prepare.
By: Georgia Legal Services Program®
Be Prepared: Be Ready for a Disaster
Keep important documents, cash, and other paperwork close by for an emergency in case you have to leave your home and can't return quickly.
By: Georgia Legal Services Program®
Federal Emergency Management Agency
(Separate Website)
The Federal Emergency Management Agency - a former independent agency that became part of the new Department of Homeland Security in March 2003 - is tasked with responding to, planning for, recovering from and mitigating against disasters.
By: U.S. Department of Homeland Security
Read this in:
Spanish / Español
Georgia Emergency Management Agency Homepage
(Separate Website)
Provides links and resources for Katrina survivors as well as emergency information for Georgians
Supplemental Nutrition Assistance Program (formerly the Food Stamp Program)
(Separate Website)
The Supplemental Nutrition Assistance Program (SNAP), formerly known as the Food Stamp Program, provides support for persons providing food for themselves and their families.
By: Food and Nutrition Service
Read this in:
Spanish / Español
Information from HUD for Those Affected By Disasters
(Separate Website)
Information on rights in regards to mortgages, forclosure, relief programs and other housing issues
By: Atlanta Legal Aid Society, Inc.
What Schools Must Do to Help Displaced Kids
Information on the rights of evacuees and other displaced families to enroll their children in public schools
By: Atlanta Legal Aid Society, Inc.
Be Prepared: Be Ready for a Disaster
Keep important documents, cash, and other paperwork close by for an emergency in case you have to leave your home and can't return quickly.
By: Georgia Legal Services Program®
Georgia Emergency Management Agency Homepage
(Separate Website)
Provides links and resources for Katrina survivors as well as emergency information for Georgians
American Bar Association's Hurricane Relief Page
(Separate Website)
Contains pro bono resources for hurricane survivors and other information.
By: American Bar Association
Answers to Common Legal Questions after a Disaster This document answers common legal questions often asked by people affected by natural disasters (i.e., floods, tornadoes, hurricanes, ice storms, etc.) in Georgia.
By: State Bar of Georgia Young Lawyers Division
About the Fema Application Process
This flyer provides you with basic information on how to apply and where to get help.
By: Georgia Legal Services Program®
About the Fema Application Process
This flyer provides you with basic information on how to apply and where to get help.
By: Georgia Legal Services Program®
American Bar Association's Hurricane Relief Page
(Separate Website)
Contains pro bono resources for hurricane survivors and other information.
By: American Bar Association
Answers to Common Legal Questions after a Disaster This document answers common legal questions often asked by people affected by natural disasters (i.e., floods, tornadoes, hurricanes, ice storms, etc.) in Georgia.
By: State Bar of Georgia Young Lawyers Division
Be Prepared: Be Ready for a Disaster
Keep important documents, cash, and other paperwork close by for an emergency in case you have to leave your home and can't return quickly.
By: Georgia Legal Services Program®
Disaster Unemployment Assistance
(Separate Website)
Disaster Unemployment Assistance provides financial assistance to individuals whose employment or self-employment has been lost or interrupted as a direct result of a major disaster declared by the President of the United states. Before an individual can be determined eligible for Disaster Unemployment Assistance, it must be established that the individual is not eligible for regular unemployment insurance benefits (under any state or federal law). The program is administered by states as agents of the federal government.
By: U.S. Department of Labor
Georgia Emergency Management Agency Homepage
(Separate Website)
Provides links and resources for Katrina survivors as well as emergency information for Georgians
Learn about Disaster Unemployment Benefits for the April 2011 Tornado Outbreak Disaster Declaration in Georgia
Are you out of work because of the severe storms and tornadoes of April 27, 2011? Is your business affected? You may be eligible for disaster unemployment benefits.
By: Georgia Legal Services Program®
Read this in:
Spanish / Español
Unemployment Benefits and Claims
(Separate Website)
Unemployment Insurance(UI) benefits is temporary income for workers who are unemployed through no fault of their own and who are either looking for another job, have definite recall to their jobs within 6 weeks of the last day worked, or are in approved training. The funding for unemployment insurance benefits comes from taxes paid by employers. Workers do not pay any costs. Eligibility for benefits is determined based on past wages, reason for job separation, and availability and job search requirements.
By: Georgia Department of Labor
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LegalAid-GA.org provides general information only. This is not legal advice and cannot replace legal advice. You can get legal advice only from a lawyer. Deadlines are extremely important in most legal matters. You may lose important legal rights if you do not hire an attorney immediately to advise you. Viewing this web site or sending an e-mail message through this web site does NOT create an attorney-client relationship.
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