Three steps to take after a natural disaster affects your home
We’re here to help. Follow these steps to begin the recovery process for getting through hardships a disaster may have caused you and your household.
Download the checklistStep 1: Talk to a housing counselor at no cost to you
Housing counselors are professionals with experience working with homeowners through natural disasters. They will hear your unique situation, explain your options, and help you determine next steps.
Housing counselors can help you:
- Apply for aid programs like those from the Federal Emergency Management Agency (FEMA).
- Understand processes and forms for your insurance claim.
- Navigate conversations with your mortgage servicer.
- Find any other services that may assist you in this time of need.
Talk to a housing counselor today at no cost to you. Call 1-855-HERE2HELP (1-855-437-32431-855-437-3243) or schedule an appointment here.
Step 2: Contact your insurance company
Before you submit a claim, your insurer will need to evaluate the damage to your home. It’s possible that your policy has a time limit on claims, so contact them as soon as you can to explain what happened and start the process.
Take pictures of the damage to your home to include in your claim.
Secure your property as best you can — lock windows and doors.
Remove valuables from the home — jewelry, documents, photos — but leave all damaged items, like furniture. A claims adjuster will need to see these when processing your claim.
Note: If your home is only slightly damaged, and you believe you can still live in it while the claim processes, you can make your own repairs — however, make only emergency repairs that will prevent further damage. Keep all receipts and documentation.
Remember, your housing counselor can help you with your insurance claim documents.
Start by contacting the company that receives your monthly mortgage payments. They may be able to offer relief during this stressful time.
Also consider contacting other providers.
Reach out to the people behind things like car loans, personal loans, credit cards, or utilities. Let them know your situation and see if they can provide any support, like temporarily pausing your payments.
Please note this information is for educational purposes only. Communicate directly with your lender for specifics on your mortgage options.
More resources for your recovery
How a housing counselor can help
Talk to housing counselors in times of hardship or in the aftermath of a disaster. They’ll help you create a plan.
How to find disaster assistance
Review your options so you’re prepared if the unexpected occurs. Aid may be available from FEMA, HUD, the Salvation Army, or the Red Cross.
Tips for talking to your mortgage servicer
Understanding your mortgage terms in times of financial hardship can be overwhelming. Use this guide to help you with the process.
