Texans still waiting on Hurricane Harvey relief
Almost half of Texans hit by Hurricane Harvey three months ago are still waiting for assistance to arrive.
Hurricane Harvey victims with property damage, work disruptions or lost income say they’re still not getting the help they need to recover, according to a Kaiser Family Foundation/Episcopal Health Foundation survey.
Hurricane Harvey hit Texas and Louisiana in late August, and emergency responders rushed in right afterward. The Federal Reserve even brought in truckloads of cash to help local banks keep up with the demand for emergency funds. However, more than three months later, there are still thousands of people in need.
The latest survey shows nearly half (48%) of those with property damage claimed to have homeowners or renters insurance, almost one quarter (23%) had flood insurance, while a little over two fifths (43%) of affected residents said they don’t expect any of their financial losses to be covered by insurance or other assistance.
But that hasn’t stopped them from asking.
Even though FEMA has practically drained its entire emergency fund, nearly two-thirds (64%) of victims want more resources for financial aid, rebuilding homes, creating affordable permanent and temporary housing, cleaning up, reopening businesses and schools, providing essential mental health services and road repairs.
Of the significant proportion (42%) of victims who applied for federal disaster assistance, one third (33%) said said they were denied, while one quarter were approved (26%), and many applications remain pending (19%).
FEMA provides housing assistance to those who’ve lost their homes in a disaster and who aren’t covered by insurance. Money can be provided for disaster-related temporary housing, lodging expenses reimbursement, home repair, home replacement, housing construction, child care, medical and dental care, funeral or burial expenses, essential household items, fuel, cleanup, essential vehicles, moving and storage expenses.
Homeowners insurance often covers more, including temporary housing and living expenses, home repairs or replacement, and all home furnishings and personal belongings. Not all home insurance policies are equal, however, and coverage amounts can vary widely from provider to provider and plan to plan. That’s why it’s critical to make sure your home and family are adequately insured against the unthinkable.
Learn more about how homeowners insurance works, particularly why flooding is not included, and how to get the most coverage for your dollars using our comprehensive guide to choosing the right insurance policy.