Coast Guard Mutual AssistanceServing the men and women of the US Coast Guard since 1924

CGMA's initial objective

is to rapidly provide emergency assistance for evacuation and cash needed to meet basic living expenses such as food, shelter, clothing, etc. 

When the disaster is over, losses and expenses not reimbursed by other sources are divided in to two categories:

Priority 1 - Emergency disaster assistance for basic living expenses to prevent privation
(lack of food, shelter or clothing) and temporary home repairs to prevent further damage.

Priority 2 - Basic household setup/re-establishment, personal property items and other emergency needs.

Disaster assistance will be provided in the order of priority indicated, subject to the availability of funds and financial need. It is important to clarify that CGMA does not provide assistance for major structural loss. 

  • In order to meet the client's immediate financial needs, CGMA form 6 (pdf) will be used in lieu of form 5, and a budget will not be required. 

  • Assistance will be given in the form of an interest-free loan.

  • At a later date, when more specific information is available, (repair quotes, insurance letters outlining coverage and deductibles, etc.) it will be determined whether the financial assistance should be a grant, loan or a combination of grant and loan.

  • The start of any interest-free loan repayment is deferred until some point in the future (usually 3-4 months). This provides time for the situation to stabilize and for reimbursement entitlements to be determined, allowing CGMA to objectively assess an individual's true out-of-pocket losses and financial needs.

CGMA is not in a position to cover losses due to inadequate or lapsed insurance coverage, the failure of an insurance company to settle claims, or to bridge the gap between pre-disaster property values and insurance recoupment. While CGMA would like to see those affected made whole, even agencies of the federal government and major charities do not have sufficient funds to cover every individual's actual losses.

Clients should be properly insured and are expected to file a claim against their insurance company, except where deductibles are greater than the loss or damage. Proof of insurance deductible is required. Some consideration will be given for un-insured losses, but at a very limited scope.

For more information regarding disaster assistance, as well as guidelines CGMAHQ uses for disaster loan to grant conversion, please refer to Appendix F of the CGMA manual.

You give valuable time to assist CGMA clients and it is much appreciated!

Please let CGMA-HQ know (703) 875-0404 or toll free (800) 881-2462 or email: if there is any way we can support your efforts as you serve your shipmates through CGMA.