How Homeowners Can Get Help After a Hurricane

Two of the largest populated states in the U.S, Texas and Florida, have been impacted by two horrific hurricanes. First it was Harvey hitting Texas and then it was Irma hitting Florida. Tens of thousands of homes have been destroyed and tens of thousands more are uninhabitable because of damage, specifically water damage.

Are you one of the Texans or Floridians whose home has been damaged? You can get relief and help but you have to be proactive about it.

Your Mortgage Company Might Suspend Your Mortgage Payments

One of the first things you need to do is contact the bank, credit union, or mortgage company as soon as possible. The company that you mail your monthly mortgage payments to is the company you contact. You can quickly see a list of mortgage service providers on the Mortgage Bankers Association's website at Mortgage Service Providers.

When you speak with your mortgage provider tell them you've been impacted by Hurricane Harvey or Hurricane Irma. Provide them with your contact information and address and let them know if you're currently displaced so they can stay in touch with you.

Many banks, credit unions, and mortgage companies can offer you mortgage relief, including possibly suspending your mortgage payments for up to 1 year.

Register for Disaster Assistance at both the Federal (FEMA) and State Levels

If the Federal Emergency Management Agency (FEMA) declares your area a disaster area you should register with FEMA. Whether you own or rent, or have insurance, you should still register with FEMA at DisasterAssistance.gov or by calling 1–800–621–3362.

On DisasterAssistance.gov you can type in your address and see if you are in a FEMA disaster area.

Contact Your Insurance Company

Contact your insurance company about the damage to your home and car(s). Many home owners insurance polices pay for temporary housing and many auto insurance polices pay for a car rental. You need to contact your insurance company to find out your policy benefits.

Document the Damage to Your Home and Autos

If you have not yet, it is best to take photos and videos of your home and its contents before disaster strikes. Take photos and videos if you can to document the damage for the insurance company. Take any belongings with you if you can and secure your property as best as possible, keeping it safe from potential vandalism or looting while it's unoccupied.

Contact the American Red Cross

The American Red Cross 1-800-RED-CROSS (1-800-733-2767) responds on national and local levels to many types of emergencies, including hurricanes. They not only provide emergency shelters and aid but in many cases, can give vouchers for immediate needs such as shelter, clothing and other items. These come from donations given and are gifts. There is no expectation of repayment.