Homeowners often ask whether they can get a new roof with FEMA assistance after a storm. When a storm is big enough for a federal disaster declaration, FEMA can help homeowners make a damaged home safe to live in again, and that can include roof repairs. It isn't a roof replacement program, though, and it only opens up after specific declared disasters. Here is how it works for Austin-area homeowners and where insurance and SBA loans fit in.
When You Can Get a New Roof With FEMA Assistance
FEMA's Individual Assistance program applies only when the President declares a major disaster that covers your county and includes help for individuals. A bad hail storm that hits one neighborhood usually won't qualify; a widespread event across several counties might. You can check active declarations for Texas on FEMA's declarations page.
What FEMA Does and Doesn't Pay For
- It can help with: repairs needed to make your primary home safe, sanitary and livable, which can include fixing a roof that lets water in.
- It won't duplicate insurance: FEMA doesn't pay for damage your homeowners policy covers, so your insurance claim comes first.
- It isn't an upgrade: grants aim at basic repairs, not a full replacement with better materials.
- It's for primary residences: second homes and rentals you don't live in aren't covered under the homeowner program.
Applying, in Order
- Make the roof safe. Tarp or temporarily cover open areas to prevent more water damage, and keep receipts.
- Document everything. Photos of the roof, ceilings and belongings, with dates.
- File with your insurance company first, and keep the settlement or denial letter. FEMA will ask for it.
- Apply to FEMA at DisasterAssistance.gov, through the FEMA app, or by calling the FEMA Helpline at 1-800-621-3362.
- Meet the FEMA inspector if one is scheduled, and have your documents ready.
- Read the decision letter. If something is missing, you can send more information or appeal within the time the letter gives.
SBA Disaster Loans: the Other Federal Option
After a declared disaster, the U.S. Small Business Administration also lends to homeowners and renters, not just businesses, at low interest for repairs FEMA and insurance don't cover. Loan limits and terms are set for each disaster, so check the current details on the SBA disaster assistance page.
Choosing a Roofer After a Disaster
Storm events bring out-of-town crews and door knockers. Before you sign anything, get a written estimate, ask for proof of insurance, check reviews and an address you can visit, and never pay the full price upfront. A local inspection with photos also gives FEMA and your insurer the documentation they ask for.
How RISE Roofing Can Help
We inspect storm-damaged roofs for free, photograph the damage, and give you a written estimate within 24 to 48 hours to include with your insurance claim or FEMA application. We're available 24/7 for storm damage. Decisions about insurance payments and federal aid are made by your insurer and the agencies, not by us. Request a free storm inspection, and see our hail damage roof guide for what to look for after a storm.
FEMA Roof Assistance FAQ
FEMA assistance is meant to make a primary home safe, sanitary and livable after a declared disaster. That can include roof repairs, but it is not designed to pay for a full replacement or an upgrade, and it won't cover damage your insurance already pays for.
Yes. FEMA asks for your insurance settlement or denial letter, because it can't pay for losses your policy covers. File with your insurer first and keep every letter you receive.
