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        A financial toolkit for victims of hurricanes Maria, Irma, and Harvey | Consumer Financial Protection Bureau
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    <h1>A financial toolkit for victims of hurricanes Maria, Irma, and Harvey</h1>

    
        <div class="lead-paragraph"><p>Once
you have addressed your most urgent needs, there
are steps to secure your financial obligations after a natural disaster.</p><p><em><a class="" href="/about-us/blog/consejos-financieros-para-victimas-de-los-huracanes-2017/">Leer en español</a></em><br/></p></div>
    

    
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            <span class="byline">By 
                <a href="/about-us/blog/?authors=kristin-dohn">
                    Kristin Dohn
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    SEP 08, 2017

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                <p>When
a catastrophe like Hurricane Maria, Hurricane Irma, or Hurricane Harvey happens, your world can be turned upside down. During these tough times, it may be difficult to know who to trust and
where to look for guidance and assistance, as well as what financial steps to
take as you begin recovering. These are a few organizations that can help
immediately after a natural disaster:</p>
<p></p><ul><li>The <a class="a-link a-link__icon cf-icon cf-icon__after cf-icon-external-link" href="https://www.fema.gov/"><span class="a-link_text">Federal
Emergency Management Agency (FEMA)</span> </a> website will help you find up–to- date
resources and information.<br/></li><li>The <a class="a-link a-link__icon cf-icon cf-icon__after cf-icon-external-link" href="/external-site/?ext_url=http%3A%2F%2Fwww.redcross.org%2Ffind-your-local-chapter&signature=MLRTlvc23ypQwnqvTvaHs1bvDpg"><span class="a-link_text">Red Cross</span> </a>
can help you find aid and shelters. Local organizations will establish shelters
and provide vouchers for meals, clothing and a limited amount of personal
goods.<br/></li><li>The <a class="a-link a-link__icon cf-icon cf-icon__after cf-icon-external-link" href="https://www.disasterassistance.gov/"><span class="a-link_text">Disaster
Assistance Improvement Program (DAIP)</span> </a> can provide disaster survivors with information,
support, services, and a way to access and apply for disaster assistance.<br/></li></ul><p></p>
<p></p>
<p></p>
<h3>Once your most urgent needs
are addressed</h3>
<p>Start
thinking about your financial obligations once you have addressed your most
urgent needs, especially if you have experienced damage to your home or
property. We have five steps you can take to help you secure your home and
finances:</p><p></p><b>1. Contact
your insurance company.</b> If the storm damaged your home, car, or property and
you have insurance, you can start the claims process by calling your insurance
company. If you plan to claim damages related to flooding or storm damage, you
should verify that you have the right kind of coverage. If you don’t have a
copy of your insurance policy, you can ask for one. Ask for an electronic copy
of your policy—receiving physical mail may be difficult following the flood. That
will help you verify your coverage. If possible, take photos and videos of your
damaged property. Documenting damage will help you with your insurance claim.<p><b><br/>2. Register for
assistance.</b> Registering
online at <a class="a-link a-link__icon cf-icon cf-icon__after cf-icon-external-link" href="https://www.disasterassistance.gov/"><span class="a-link_text">www.DisasterAssistance.gov</span> </a>, is the quickest way to register for FEMA
assistance. If you are unable to access the internet, you can also call at
1-800-621-3362.<br/><b><br/>3. Contact your mortgage servicer.</b> Talk to your mortgage lender right away and
tell them about your situation. Damage to your home does not eliminate your
responsibility to pay your mortgage, however your lender may be willing to work
with you given the circumstances. If you don’t have your lender’s contact
information, your monthly mortgage statement, or coupon book with you, you can <a class="a-link a-link__icon cf-icon cf-icon__after cf-icon-external-link" href="/external-site/?ext_url=https%3A%2F%2Fwww.mers-servicerid.org%2Fsis%2F&signature=WeRfuEBtMJi3h_pIC73ScdI_GEo"><span class="a-link_text">search the Mortgage Electronic Registration
Systems (MERS)</span> </a> or call toll-free at (888) 679-6377 to find the company
that services your mortgage.<br/><b><br/>4. Contact your
credit card companies and other lenders.</b> If your income is
interrupted or your expenses go up, and <a class="" href="/ask-cfpb/what-if-i-cant-pay-my-credit-card-bills-and-loans-after-a-natural-disaster-en-1527/">you
don’t think you will be able to pay your credit cards</a> or other loans, be sure
to contact your lenders as soon as possible. Ask your creditor to work with
you. Explain your situation and when you think you might be able to resume
normal payments. It is important to make those calls <b>before your next payments are due</b>. </p><p><b>5. Contact your
utility companies. </b>If your home is damaged to the point you can’t live in
it, ask the utility companies to suspend your service. This could help free up
money in your budget for other expenses.</p><p></p>
<p>After contacting the companies related to your most
urgent financial needs, take a look at your bills and set priorities—including your mortgage, rent, and insurance payments. Given the countless
people experiencing distress from the flooding, contacting your creditors may
be difficult. Be persistent and make every effort to reach them.  </p>
<h3>Additional resources</h3>
<p></p><ul><li><b>Forbearance.
</b>Depending upon the type of loan you have, your lender may be willing to
temporarily reduce or suspend your payments; this is referred to as <a class="" href="/ask-cfpb/what-is-forbearance-en-289/">forbearance</a>.
To learn more, visit the <a class="a-link a-link__icon cf-icon cf-icon__after cf-icon-external-link" href="https://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/nsc/qaho0121"><span class="a-link_text">U.S.
Department of Housing and Urban Development (HUD)</span> </a>. If you have student
loans, ask your servicer if you qualify for a temporary forbearance. Federal
student loan borrowers may be eligible for up to <a class="a-link a-link__icon cf-icon cf-icon__after cf-icon-external-link" href="https://studentaid.ed.gov/sa/about/announcements/disaster#for-borrowers"><span class="a-link_text">three
months of forbearance</span> </a>.<br/></li><li><b>Insurance
settlement.</b> This <a class="" href="/ask-cfpb/what-should-i-do-when-i-receive-a-home-insurance-settlement-en-1525/">quick
guide </a>will provide you with some of the basics about how an insurance settlement
works. Typically, your mortgage servicer will release a portion of the
settlement money before work begins so you can hire a contractor. When the work
is halfway finished, the servicer will typically release more money. The rest
will be released once the job is
finished and the home passes inspection.<br/></li><li><b>How to
choose a contractor.</b> Read our tips to consider when <a class="" href="/ask-cfpb/what-should-i-know-about-using-contractors-to-rebuild-after-a-disaster-en-1517/">evaluating
contractors to help fix or rebuild</a> your home after a disaster.<br/></li></ul><p></p><p></p>
<h3>Warning: Be aware of scams</h3>
<p>While
many people pull together during times of crisis, there is also an increased
risk for scams and fraud. To <a class="" href="/ask-cfpb/how-do-i-recognize-and-prevent-against-fraud-after-a-natural-disaster-en-1529/">avoid
scams</a>, you need to ask questions—lots of them. Questions will help you
determine if something is too good to be true. If the person trying to sell you
a product or service can’t or won’t answer your questions, this is a red flag
that you might want to look for someone else to do business with.</p>
<p>Watch
out for:</p>
<p></p><ul><li><b>People
who want you to pay up-front fees</b> to help you claim services, benefits, or
get loans.<br/></li><li><b>Contractors</b> <b>selling
repairs door-to-door</b>, especially when they ask to receive payment up front or
offer deep discounts.<br/></li></ul><p></p>
<p></p>
<p></p><ul><li><b>Con
artists</b> posing as government employees, insurance adjusters, law
enforcement officials, or bank employees. It is easy to fake credibility and
uniforms, so do not give out personal information to people you don’t know.
Government employees never charge to help you get a benefit or service and will
<b>never</b> ask for payment or financial
information.<br/></li><li><b>Fake
charities.</b> Normally, legitimate organizations do not have similar names to
government agencies or other charities; so if they do, it may be a scam. Never
give out donations over the phone.<br/></li><li><b>Limited
time offers. </b>Anyone who offers you something and tells you that it is for a
very limited time may be trying to pressure you into something that you could
later regret. You should never be pressured to make a decision on the spot or
to sign anything without having enough time to review it. Take your time, read
and understand anything presented to you, and ask a trusted friend, relative,
or attorney before acting. <b> </b><br/></li></ul><p></p>
<p></p>
<p></p>
<p>Starting over requires a lot of hard choices. If you have been affected by
disaster and want to make sure your financial records are secure, here is a <a class="a-link a-link__icon cf-icon cf-icon__after cf-icon-external-link" href="https://pueblo.gpo.gov/CFPBPubs/CFPBFileDnld.php?PubType=P&PubID=13036&httpGetPubID=0&PHPSESSID=c7kd5fhfeqa2frkmgi7jemba31"><span class="a-link_text">checklist</span> </a>
to help you consolidate all the information you need—including account numbers,
personal records and financial records. Being prepared and knowing how to
protect yourself can help you avoid scams and get back on your feet faster.</p><p>Find more information <a class="" href="/policy-compliance/guidance/implementation-guidance/statement-supervisory-practices-affected-hurricanes-harvey-and-irma/">on how the Bureau
encourages financial institutions to assist consumers after an emergency or
natural disaster</a>.</p><p><strong></strong></p><p>If you're having trouble with a financial product, you can <a class="" href="/complaint/">submit a complaint with the CFPB online</a> or by calling (855) 411-CFPB (2372). <br/></p><p></p><p></p>
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