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Eastern Kentucky flooding: Understanding FEMA letter, how to appeal FEMA’s decision

Posted at 10:14 AM, Aug 08, 2022
and last updated 2022-08-08 12:46:28-04

Eastern Kentucky flood survivors who applied for assistance from FEMA will receive a letter from FEMA in the mail or via email.

The letter will explain your application status and how to respond. It is important to read the letter carefully because it will include the amount of any assistance FEMA may provide and information on the appropriate use of disaster assistance funds.

Applicants may need to submit additional information or supporting documentation for FEMA to continue to process an application for financial assistance. Examples of missing documentation may include:

  • Proof of insurance coverage
  • Settlement of insurance claims or denial letter from insurance provider
  • Proof of identity
  • Proof of occupancy
  • Proof of ownership
  • Proof that the damaged property was the applicant’s primary residence at the time of the disaster

Appealing FEMA’s Decision
If you are determined ineligible for assistance, FEMA will provide a letter explaining why you did not qualify and an opportunity to appeal the decision.

If you receive a letter from FEMA saying you are ineligible for assistance, applicants can submit an appeal letter and documents supporting their claim, such as a contractor’s estimate for home repairs.

FEMA cannot duplicate assistance provided by another source, such as insurance settlements. Those who are underinsured may receive further assistance for unmet needs after insurance claims have been settled by submitting insurance settlement or denial documents to FEMA.

FEMA does not provide assistance for insurance deductibles.

How to write an appeal: An appeal should be filed in the form of a signed letter within 60 days of the date on the determination letter. In the appeal, explain why you disagree with the decision. Be sure to include the following:

  • Applicant’s full name, current address and damaged dwelling address
  • Applicant’s 9-digit FEMA application number, found at the top of the determination letter (on every page)
  • FEMA disaster declaration number, for example DR-4663-KY (on every page)
  • Applicant’s signature and the date

If you choose to have a third party submit an appeal on your behalf, the appeal letter must be signed by the third party. Additionally, please include a statement signed by you authorizing the third party to appeal on your behalf.

Mail your appeal letter to:
FEMA Individuals & Households Program
National Processing Service Center
P. O. Box 10055
Hyattsville, MD 20782-8055

Appeal letters and supporting documentation also can be uploaded to your account online at, or faxed to 800-827-8112.