When disaster strikes—whether it’s a fire, flood, or storm—it can feel like your whole world has been turned upside down. The road to recovery isn’t easy, but knowing where to turn for insurance help and aid can make the process a little less overwhelming. Here are the steps to take:
Right Away
🔹 Make sure you and your loved ones are safe.
🔹 Take photos/videos of all damage before cleaning up.
🔹 Save receipts for emergency expenses (lodging, food, repairs).
Insurance Steps
📞 Call your insurer ASAP to start a claim.
📝 Write down who you spoke with, claim numbers, and next steps.
🔍 Ask what’s covered and when you’ll get funds.
Know Your Coverage
🏠 Home/Renters insurance: damage to property + belongings
🚗 Auto insurance: storm/flood damage (if you have comprehensive coverage)
🏥 Health insurance: disaster-related medical costs
🌊 Flood & earthquake insurance = separate policies
To learn more about flood insurance and your risk level visit: FloodSmart.gov
Extra Insurance Help
💡 Apply for FEMA Disaster Assistance
💡 Check SBA Disaster Loans for low-interest loans to help fill the gap
💡 Call 211 for local nonprofits and aid programs. Many churches also offer recovery assistance, including furniture, clothing, and gift cards.
Financial Recovery
💳 Ask lenders and insurers about hardship or payment pause programs.
📋 Review your insurance later to strengthen future coverage.
