If decision on your insurance settlement has been delayed longer than thirty (30) days from the time you filed the claim you may be eligible for an insurance advancement from FEMA. These funds are considered loan and must be repaid to FEMA once you receive your settlement from your insurance company. Contact FEMA if your insurance settlement is delayed. FEMA will send you Request for Advancement and Signature letter. You must complete and return this letter before FEMA can evaluate your request for assistance.