FEMA INSPECTION

If you apply for FEMA assistance, an inspector will call and schedule an appointment as the first step toward receiving aid from the federal agency. The inspector will validate the damage. FEMA will use the information it obtains from the inspection to determine the amount of aid, if any, that homeowners are eligible to receive. Here are five things to know:

1. Be prepared. Have relevant documents ready — proof of home ownership, such as a tax bill, utility bill or mortgage payment book — and a good handle on damages you have already spotted.

2. Ask for identification from the FEMA inspector. Many scam artists are trying to prey on flood victims and try to disguise themselves as FEMA inspectors. Don’t let the inspector in your house without photo FEMA identification. Call FEMA’s fraud hotline at 866-720-5721, or local law enforcement officials, if you suspect fraud. FEMA will never ask for money, your Social Security number or bank account information.

3. Representatives from the Small Business Administration along with local and state officials may also visit. Don’t be alarmed, but ask for photo identification each time someone says they’re from the government.

4. FEMA will send a letter after the inspection detailing the benefits it believes the homeowner is due. If the homeowner disagrees with the assessment, the letter will explain how to file an appeal.

5. Pay close attention to deadlines to file appeals. Don’t let the deadlines slip by while you’re busy rebuilding.