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The Intersection of FEMA and Insurance Claim Reviews

By Catherine A. Mondell
February 26, 2013

Increasingly, insureds, insurers, adjustment teams, claims consultants and others involved in the process of analyzing property insurance claims for damage sustained during catastrophic events must recognize the potential for their work to intersect with that of FEMA, the Federal Emergency Management Agency.

FEMA is authorized, under the Robert T. Stafford Disaster Relief and Emergency Assistance Act, 42 U.S.C. ' 5121 et seq. (2007) (the “Stafford Act”), to provide funds through a Public Assistance Grant Program (“PA Program”) to aid communities in responding to and recovering from major disasters or emergencies. The intent is for FEMA to promptly reimburse authorized applicants for certain types of loss arising from property damage, to the extent those losses are not insured or otherwise recoverable from other sources, such as through a salvage credit.

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