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M%"'JF 5 T~ P -~J-- -- l Check on Financial Assistance DAC Visit Checklist Before you go to a DAC or phone the 800 number, do your best to get together the following information and documents. Uyou don't have all of them, don't worry; gather what you have and start your disaster assistance application process. Your name, address, social secur- ity number, and identification . Telephone numbers where you or a neighbor can be reached Names and ages of all persons liv- ing in your home at the time of the flood . Insurance papers, including the Proof of Loss form A summary of your damage and a rough idea of the cost of repair or replacement (See Step 3.) Your income and the income of all other members of your house- hold . A list of who you owe money to and how much you owe (mort- gage, car loan, etc.) The total amount of your living expenses (rent or mortgage pay- ment, food, clothing, utilities, medical, and transportation costs) . Directions to your property, start- ing from a major road, and a road map Vilith an X for your property 32 for expenses not autborized by tbe adjuster. You can ask the adjuster for an advance or partial payment for your building or contents loss, especially if you need the money to make your house live- able. Later, when your total payment is determined, the amount you were advanced will be subtracted from it. You can also ask for a partial payment if you disagree with the amount of your loss on the Proof of Loss form. Tell your adjuster if you disagree and ask what steps can be taken to straighten out your claim payment. The check to settle your flood insurance building claim will most likely be made out in your name as well as the name of your mortgage holder. Some insurance companies may send the payment to your mortgage holder. Talk to your mortgage company ahead of time to make sure there won't be a delay in getting your claim payment to you. Dlsa~er AssIstance If the flooding was widespread and caused a lot of damage, your community might be eligi- ble for state or federal aid. Before it can receive such assis- tance, your community must be declared a disaster area by your governor, a federal agency direc- tor, or the President. Local lV, radio, and newspapers will keep you informed about disaster declarations and where to get information about any programs that might be available to you. If the flood was severe and your area is declared a major disaster area by the President, one or more Disaster Appli- cation Centers (DACs) may open. These centers give infor- mation and take applications for assistance. They are usually located in a school or other pub- lic building. Check 10callV and radio reports and newspapers for the location and hours of DACs. A toll-free (800) number may also be publicized to call for informa- tion on programs and to take applications for assistance over the phone. A TDD line is usually available. Federal disaster assistance may be available in some cases to deal with uninsured losses and needs. People who are not insured should go to a DAC first. If possible, those with insurance should file their Proof of Loss form before visiting a DAC. If there is a long wait, you can make an appointment for anoth- er day or use the 800 number. When you go to a DAC or apply for disaster assistance, take as many of the items listed in the box on this page as possi- ble. The first person you will talk to at a DAC will be the receptionist. He or she will review your damage and needs and identify the programs most appropriate for you. You will receive a checklist of programs that can help you. You can then talk to representatives of these programs in the DAC. There are 6 types of federal or state disaster assistance. Except as noted, the following are avail- able only if the President issues