Let the bungling begin.

FEMA has faced some issues with claims from California homeowners, particularly related to technical problems in their system. There have been reports of claims being automatically denied if applicants indicated they had insurance, which was described as a "glitch" that FEMA was working to fix. This suggests that while there might not be a policy of denying claims outright, technical errors have led to some denials that are being addressed. However, FEMA's standard procedures involve verifying eligibility, which can lead to denials for various reasons such as insufficient damage, insurance coverage, or inability to verify ownership or occupancy. 

For those affected by wildfires or other disasters in California, it's important to know that:

- **Insurance**: If you have insurance, you must first file a claim with your insurance provider. FEMA assistance is meant to cover what insurance does not, but you need to submit insurance settlement or denial documents to FEMA.[](- **Documentation**: FEMA requires proof of ownership and occupancy. Issues with documentation can lead to denials, but these can often be resolved by providing additional proof.[](- **Appeals**: If you receive a denial, you have the right to appeal within 60 days of receiving the decision letter. This appeal should include supporting documentation to clarify or correct the initial decision.[](- **Current Issues**: Posts on X have mentioned that FEMA claims were being denied due to this insurance checkbox issue, indicating a need for reapplication or appeal once the glitch is resolved.[](If you're a California homeowner whose claim has been denied, it's advisable to review your FEMA correspondence, ensure all required documentation is submitted, and consider appealing the decision if necessary. Remember, FEMA assistance is not a substitute for insurance but can help with unmet needs after insurance settlements.