There are some circumstances where you may be able to receive help from FEMA even if you do have insurance coverage. However, it is essential that you have already contacted your insurance agent and filed a claim. If you have not done this already, you will need to do it as soon as possible. Failing to file an insurance claim will make you unable to register for FEMA assistance.
Assuming that you have already filed a claim with your insurance company, let's look at some of the situations where FEMA may still be able to provide you with assistance: