No Insurance? How to Get Money For Water Damage Restoration

Did you know that most homeowner’s and renter’s insurance policies do not cover flood damage? It is a fact that some property owners do not discover until after water damage occurs. Did you know there are alternative ways to get money to cover water damage restoration? it will not cost you anything!

How to Get Money for Water Damage Restoration?

If your home or business does not have flood damage coverage, you may be eligible to receive monetary help from government agencies like FEMA, FMA or Disaster Relief grants, or low-interest U. SBA loans.

Assistance For Uninsured Homeowners & Renters

  • Home Repair Grants

Home repair grants are available to help with restoration costs, repairs, and sewage cleanup.  Examples of home repairs may include roof repair,  water damage restoration, or essential appliance replacement such as electrical circuit boxes or water heaters. Restoration of ceilings, sub-flooring, and windows are covered in a home repair grant.

  • Personal Property Assistance Grants

If you lose personal items, the Personal Property Assistance Grants will help you repair, replace, or restore items damaged from a disaster of equal value, quality, or function.

  • ONA Grants

The Other Needs Assistance (ONA) Grant helps pay for damages typically not covered in a home or a business insurance policy, including restoration expenses like moving, relocating, and storage. It also covers medical, death, and costly household expenses.

  • FEMA’s Individual Assistance Grant

FEMA will grant homeowners and renters up to $40,000 for property repair or replacement under the Individual Assistance Grant. You can use grant funding for repairing or replacing household goods, a car, or clothing. Businesses can borrow up to two million to repair or replace property, equipment, inventory, or asset replacement.

  • Small Business Administration (SBA) Loans

Whether you are a business owner, a contractor, or a freelancer, a small business loan is a great way to repair or replace disaster-related property. Your bank can process an SBA loan. You can also apply online or in person at a local FEMA Disaster Recovery Center.

How Do I Apply for FEMA Assistance?

To apply for any of these grants or find out about other ways to fund water damage restoration after a disaster, you can visit is also available when governors declare major states of emergency such as from hurricanes, tornadoes, or floods.  You can also call FEMA’s helpline at 1-800-621-3362 (TTY 800-462-7585) or you can download FEMA’s mobile app.

As fewer than 15% of property owners have flood insurance, we are used to working with property owners to find affordable ways to repair water damage to a home and to protect personal property. If you are unsure of how to access the grants and loans above, feel free to reach out to our experts for help. We will find out your water damage restoration needs and do all we can to help you repair them.

Restore Pro has two decades of experience restoring properties for home and business owners. Visit or call 1-800-847-0114 to schedule an appointment today.