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Due to recent flooding, individuals and families in Louisiana may be eligible for federal assistance if they live, own a business, or work in the disaster area. Insurance will also play a vital role in the recovery of real property, personal property and business interests. This checklist should act as a preliminary guide to help you organize during the initial phases of recovery.


FEMA’s Individuals and Households Program (IHP) can help safely house flood victims and cover necessary expenses and serious needs following a disaster. This can include temporary housing; repair of structural damage and home components and semi-permanent and permanent home construction; repair, replacement, and cleaning of personal property; and coverage for medical, dental, and funeral expenses.

FEMA Checklist

checkboxRegister with FEMA online at by clicking on “Navigation” and then selecting “Apply for Assistance,” or by calling 1-800-621-FEMA (3362).

checkboxDocument all extraordinary expenses you would not have incurred but for the disaster. Keep all receipts associated with these expenses.

checkboxFollow FEMA instructions.


Any homeowner, renter, or auto insurance you possess will be primary to recovery from FEMA or other federal assistance.

Insurance Checklist

checkboxCall your insurance agent immediately to start the claim process. Don’t wait to assess damage. If you have excess insurance, or umbrella coverage, then be sure to ask your agent to notify your excess carrier.

checkboxSeparate the damaged and undamaged things in your home right away. If possible, do not destroy the damaged items until your claims adjuster has had an opportunity to inspect.

checkboxTake close-up photographs of damaged rooms, furnishings, personal property (including automobiles), etc., especially for those damaged items you cannot retain until your claims adjuster inspects.

checkboxPrepare an inventory of the damaged contents in your home.

checkboxRecord serial and model numbers of appliances and household equipment.

checkboxIf you have prior pictures of your home, gather those to document your losses. Remember, relatives and friends may have taken photos of holidays, birthdays, etc. in your home.

checkboxSave receipts for things like lodging that will document your living expenses while you were out of your home.

checkboxSave receipts from repair, replacement or clean-up costs. Also, include receipts for rented equipment and contract labor.


For uninsured, non-reimbursable losses, the Small Business Administration provides long-term, low-interest loans to individuals for personal property (up to $40,000) and real property (up to $200,000).

SBA Checklist

checkboxApply online at by clicking on “See What SBA Offers” and then selecting “SBA Loan Programs.”

checkboxFill out the SBA Disaster Home Loan Application. Do not wait to settle your insurance claims. If you have damage to your home or personal property fill out this application. FEMA and other federal programs may use the information you provide when making decisions regarding aid. Also, the SBA may disperse funds more quickly than your insurance company.

Based on our experience handing these matters in other disasters, we anticipate that there will be additional programs to address the needs of the affected communities. Adams and Reese will provide updates as they become available.