by Emily Rogan

A FEMA declaration for Individual and Household Assistance has finally been approved for Napa and Solano County earthquake survivors.  If you were affected by the earthquake and need assistance you will have 60 days from the October 27th declaration to apply with FEMA.  UP participated in a meeting of the Napa Earthquake Long Term Recovery Group today and found out over $50,000 had already been distributed in first 48 hours.  The Local Assitance Center will be reopening in Napa to help people register, answer questions and provide referrals to charitable organizations.

When applying for FEMA aid, your insurance status matters.  If you did not have earthquake insurance you may be eligible for FEMA assistance.  Because earthquake damage is excluded from most homeowners insurance policies it is often considered an uninsured loss. If you filed a claim with your home insurance company and recieved a denial letter, bring it to the local assistance center (if applying in person) as proof you have an uninsured loss.  If you did have earthquake insurance at the time of the loss, the amount of your deductible may also be considered and uninsured portion of your loss.

Applicants will need to provde:

  • Social Security number
  • Address of the damaged home or apartment
  • Description of the damage
  • Information about insurance coverage
  • A current contact telephone number
  • An address where they can receive mail
  • Bank account and routing numbers for direct deposit of funds.

The Small Business Administration may also be available for losses not covered by insurance.  While SBA and FEMA have different requirements, their processes often work together to determine your eligibility.  If you recieve a SBA application it is critical that you complete the application whether or not you plan on taking the loan.  If you do not, it will affect the processing of your application to recieve a FEMA grant. 

Here are additional resources:


About The Blogger

Emily Rogan

Emily Rogan
Emily Rogan joined United Policyholders (UP) in January 2008. As the Chief Operating Officer, Emily works closely with the Executive Director, UP staff, and volunteers to advance the mission of the organization. Along with performing high-level operational management, Emily is instrumental in UP’s programmatic success. Her role in the Roadmap to Preparedness Program involves educating homeowners and renters throughout the Bay Area. Through the Roadmap to Recovery program, she organizes workshops and webinars to provide long term recovery help to disaster survivors and case managers across the county. Collaboration is one of the keys to her success, and Emily builds and maintains relationships with Voluntary Organizations Active in Disaster (VOAD) members, non profits, government, and the faith based community. She proudly represents UP at conferences, meetings and workshops. 
A San Francisco native, Ms. Rogan received a Bachelors of Arts in Sociology from the University of California, Riverside and a Certificate in Nonprofit Management from San Francisco State University. She currently serves on the Curriculum Board of the California Department of Insurance, the Executive Committee for San Francisco VOAD, the Education Committee for the National Association of Public Insurance Adjusters and on the CaliforniaVolunteers – Office of the Governor EF - 17 Working Group. She also served on the Executive Committee of NorCal VOAD from 2011 – 2015 and as Chair from 2014-2015.