What is FEMA Assistance for Renters
FEMA assistance for renters can take a number of different forms depending on the extent and severity of a disaster that happens. If you believe that you could be eligible for a FEMA grant as a renter or you have a tenant as a landlord who might have a grant, here are some others things to consider:
FEMA Grants Cover More Than Housing Needs
If your current home was damaged because of a natural disaster, then your housing needs can be covered by a grant. If you also lost your means of being able to commute to work because your vehicle was damaged, qualified renters can also receive grant money to help pay for a rental vehicle or even a new vehicle. Some secondary vehicles may also be approved.
FEMA Grants Cover Health-Related Expenses
If you're a renter who lost a home and you were injured in the disaster, then a grant may be available to help cover medical expenses that are related to the incident. Medical and dental bills are the most common qualified expenses, but other specific expenses may qualify as well.
FEMA Grants Pay for Temporary Rent, Not Permanent
As a landlord with a potential tenant coming to you who has been displaced, it is important to remember that the FEMA grants they may be using to pay their rent are just temporary. You may choose as a landlord to enter into a long-term rental agreement with a displaced renter, but their emergency funds may run out if the emergency housing situation turns into a permanent housing situation.
FEMA Grants Help Pay for Damaged Personal Property
If your rental home was destroyed or damaged by a disaster, then the personal property that you had within the home that is deemed to be necessary to live can be repaired or replaced with grant money as well. This typically involves appliances and some furniture items. It does not usually involve the repair or replacement of electronic items like a computer unless that item was essential to the performance of a job, like a creative freelancer working from home or musical equipment for a musician.
FEMA also works with the Small Business Administration to provide renters with low-interest loans so that personal property losses can be easily replaced on very reasonable repayment terms. This also applies to business property that might have been lost in a rental unit as well.
Knowing what FEMA grants cover for renters won't make a difficult situation go away, but it can make tolerating it a little bit better. If you believe you qualify for a grant or a low-interest loan, then speak with FEMA today or your local insurance representative to discuss the steps that you may need to apply.
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