Dealing with FEMA and insurance at the same time after flooding

Our area flooded badly in the spring. We have homeowners insurance AND flood insurance AND applied for FEMA assistance. The coordination between all three has been a nightmare.

Homeowners says its a flood so not covered. Flood insurance is paying but their estimate is way below actual repair costs. FEMA gave us $5,000 which barely covered our hotel stays while the house dried out.

Currently waiting on a flood insurance appeal. The adjuster estimated $28,000 in damage. Our contractor says its $52,000. The gap is huge and Im not sure what to do next.

Flood victims - keep every single receipt. FEMA wants documentation for everything and so does your flood insurance.