If your home has recently been affected by a natural disaster such as a flood, hurricane, or earthquake, you are probably overwhelmed and stressed out, and you might not know how to begin to recover. You may even be facing unlivable conditions or insurmountable damage to your home. When facing such a difficult situation, it's important to to maintain a methodical, practical approach as you seek to restore both your life and dwelling place. By following a checklist, you can maintain some order to the process even though it may still feel chaotic and draining at times. Here are six ways to recover your home after a natural disaster strikes:
1. Ensure Safety
2. Address Water Issues
3. Contact Insurance Agency
It's important to quickly get in touch with your home insurance agency so they can begin the claim process. Remember to take lots of pictures of the damage before any restoration work begins and send these photos to your insurance company. Also remember to save all of your receipts for any cleaning or restoration work that occurs and send these along too.
4. Contact Mortgage Service Provider
Another agency you will want to contact is your mortgage service provider. You should let them know the status of your home and how it was impacted by the natural disaster. There may be assistance available to you through your mortgage provider so that you can still make your monthly payments while also bearing the costs of recovery and repairs for your home.
5. Apply for Assistance
There are many federal grants available to homeowners who have been affected by natural disasters, including through the Federal Emergency Management Agency (FEMA), Small Business Administration (SBA), American Red Cross, and others. These grants can help you to recover any costs that may not already be covered by insurance, and can go a long way toward maintaining financial peace of mind for you and your family. State and local grants may also be available to assist you during your time of need.
6. Take a Deep Breath
Natural disasters that affect your home can bring a lot of worry and anxiety. It's important to take a deep breath and remember that there is no problem that cannot be fixed with the right resources and effort. You will tackle your list; it might just take time and a lot of patience to get to the finish line. Do not be afraid to seek out professional help for the emotional and mental trauma you may have experienced as a result of the natural disaster.
While no one wants to face the extremely difficult situation of experiencing a natural disaster, if it happens to you, there is a road to recovery and you will make it to the other side of this experience. You will enjoy your life again, and your family will recover and once again experience the joys of home ownership.