The linked document below, published by FEMA, is helpful in clarifying what FEMA is capable of assisting with during a Natural Disaster vs. your homeowners insurance policy.
Highlights Of The Linked Document Below:
You may be eligible for FEMA help to restore your home to a safe, sanitary and functional condition following a disaster, if you don’t have insurance coverage – or if you have received an insurance settlement that is less than the cost to make your home habitable.
Ceiling and roof damage: If your private insurance settlement is less than FEMA’s verified loss calculation to make your home habitable, you may qualify for funds to supplement your insurance settlement, but only for repairs relating to the home’s habitability. FEMA does not provide replacement value amounts or assistance with non-essential items. (Get the details in the official FEMA document.)
Important to note:
FEMA assistance is not the same as insurance. Assistance only provides the basic needs for a home to be habitable.
Click here to view FEMA's full documentation to better understand FEMA verified losses.
FEMA's Disaster Recovery Center Locator