The Greater Baton Rouge Area has been battered by torrential rain, leaving entire neighborhoods underwater. The loss that some individuals are experiencing is devistating. If you are a flood victim there are a few sources of potential recovery money.
FEMA, which is disaser assistance is available to individulas, families and businesses to assist with ciritical expenses that is not covered in other ways, such as insurance. The maximum money available from FEMA for property not in a flood zone is $33,000. You can apply by calling 1(800) 621-3362 or by applying on line at DisasterAssistance.gov
SBA loans are also available. These are low interest loans to help repair or replace damaged property not covered by insurance. Click here for more information SBA disaster loans
Individuals should also contact their insurer. If you have a flood insurance policy you will need to know what it does and doesn't cover.
Take pictures or video of the interior and exterior of your home and property. Make sure that these pictures are time/date stamped. Take Pictures of EVERYTHING! Write an inventory of all contents. Include serial numbers on things such as appliances. Anything such as receipts, credit card statements, cancelled checks and banking statements will help prove value. Do not throw damaged items until you've documented your loss. There will be forms that will neeed to be filled out for personal property and content loss Click here for theses forms
If your home is uninhabitble, call your mortgage company to possibly defer your payments for up to 3 months. Click here for more information
If you are a flood victim we hope that this information will be heplful. If there is anything we can do to help in anyway possible contact us at The Burns Group at 225-289-3656