The Town of Cheshire is participating with Connecticut emergency agencies in their pre-assessment survey of damage from the May 15, 2018 storm. If the pre-assessments meet FEMA criteria, the state will request emergency authorization from FEMA, which would provide the opportunity for municipalities and property owners to apply for reimbursement for eligible, non-insured storm damage expenses. Updates and applicable forms will be posted here.
Residents and businesses are first and foremost encouraged to work through their insurance company to address storm-related damage. It is highly recommended that affected residents document damage, repairs, and expenses with photos and receipts.
While it may be several weeks until we know if Cheshire will meet the thresholds for FEMA assistance, the following information is intended to answer common questions regarding federal assistance for storm damage.
Facts About Federal Disaster Aid:
Not True: Registration with 2-1-1 is not the same as registration with FEMA. For federal and state disaster assistance, you must first apply by logging on to www.disasterassistance.gov or by calling 800-621-FEMA (3362) or (TTY) 800-462-7585.
Not True: For eligible applicants, FEMA will make your home safe, sanitary and livable with grants and loans. FEMA may provide Housing Assistance (temporary housing, repairs or replacement) or Other Needs Assistance (ONA). An applicant does not apply for ONA, but is referred for assistance based on their ability to secure a loan from the Small Business Administration (SBA). If SBA determines that an applicant cannot afford a loan, SBA will automatically refer the applicant back to ONA for additional help, which may include repair or replacement of personal property, transportation, medical and dental expenses.
Not True: FEMA will not duplicate insurance benefits but you may be eligible for help with losses not covered or damage in excess of your coverage (“under-insured”). That’s why it’s important to register for assistance even while you are working with your insurance company to assess your insurance coverage.
Not True: You might qualify for reimbursement of expenses not covered by insurance.
Not True: FEMA and the Connecticut Department of Emergency Management and Homeland Security (DEMHS) coordinate a number of programs to help disaster victims. These programs are different from the emergency food, clothing and shelter initially provided by the Red Cross and other voluntary agencies.
Not True: The kind of help provided depends on each applicant's circumstances. Federal and state disaster assistance programs may be available to those who suffered damage, regardless of income.