Under what condition is an applicant referred to Repair Assistance?

The correct choice is focused on the specific criteria for eligibility for Repair Assistance under FEMA's Individual Assistance program. An applicant is specifically referred to Repair Assistance when the disaster-related damage to their home is not covered by their home or flood insurance. This provision ensures that individuals who have incurred damages due to a declared disaster but lack adequate insurance coverage to address those damages can access necessary federal support.

FEMA aims to assist those who are in dire need of home repairs following a disaster, particularly if their insurance does not provide coverage for the specific types of damage they have experienced. This is an essential element of FEMA's goal to help individuals return to a safe and habitable living environment after a disaster.

The other choices pertain to different scenarios that do not directly lead to a referral for Repair Assistance under the specified conditions. For instance, if home insurance covers all damages, the applicant would likely not be eligible for additional federal assistance. Similarly, being located in a disaster area does not automatically qualify someone for Repair Assistance unless the damage is not covered by insurance. Lastly, prior assistance received does not necessarily impact eligibility for Repair Assistance unless it pertains to the specific damages incurred during the disaster in question.