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If your state has been declared a disaster area by the Federal Emergency Management Agency ("FEMA"), you would be able to apply for assistance with FEMA. Otherwise, you have to look to your commercial insurance for relief. You need to contact your insurance claims department as to your options.
As previously stated, you can only apply to FEMA if your state has been declared a disaster area. Otherwise, you cannot. For FEMA contact information, click on the link below: