Hurricane Recovery: Steps to Get Help After a Hurricane

At Murray Law Group, we understand the overwhelming challenges that come with recovering from hurricane damage. While your property insurance should be your first line of defense, we also know that navigating insurance claims after a disaster can be frustrating and complex. That’s why we’ve prepared this helpful guide of actionable steps and hurricane resources for homeowners amid hurricane recovery – and we offer free claim reviews to anyone facing difficulties with their insurance company.

1. Register with FEMA for Disaster Assistance

Start by registering with FEMA to access disaster relief programs.

• What You Need: Social Security number, insurance details, damaged property address, and a description of the disaster damage.
• How to Apply:
  • Online: DisasterAssistance.gov
  • Phone: Call FEMA’s helpline at 1-800-621-FEMA (3362).
  • In Person: Visit a FEMA Disaster Recovery Center (DRC) by using the DRC Locator.
  • Next Step: FEMA will schedule a property inspection to assess the damage.

2. Apply for SBA Disaster Home Loans

If your insurance doesn’t cover all the repair costs, the Small Business Administration (SBA) offers low-interest loans for disaster-related repairs.

• What You Need: Information about the property damage, current income, and insurance details.
• How to Apply:
  • Online: Through the SBA Disaster Loan Assistance Portal.
  • Phone: Call the SBA Disaster Assistance Customer Service at 1-800-659-2955.
  • Next Step: Homeowners can access up to $200,000 in loans for repairs not covered by insurance.

3. Seek Temporary Housing Assistance

If your home is uninhabitable, FEMA offers temporary housing support.

• What You Need: Your FEMA registration number.
• How to Apply:
  • FEMA may provide rental assistance or temporary housing units. Visit FEMA Housing Assistance.
• Next Step: Check with FEMA or a local DRC for the availability of housing support.

4. Explore State and Local Disaster Assistance

State and local governments often offer additional hurricane disaster relief programs.

• What You Need: Visit your local government website to find out more about specific disaster assistance.
• Where to Find Help:
  • Start with USA.gov Housing Help, where you can access information on grants, loans, and other housing assistance programs.

5. Use the Homeowner Assistance Fund (HAF)

The HAF can provide financial relief for disaster-related repairs or mortgage assistance.

• What You Need: Proof of income and documentation of the disaster-related damage.
• How to Apply:
  • Contact your state’s housing finance agency to see if you qualify for the HAF. Learn more at the Homeowner Assistance Fund.

6. Contact Nonprofit and Volunteer Organizations

Several nonprofits and volunteer organizations can offer immediate assistance.

• Where to Go:
  • Red Cross: Provides shelter, food, and home repair help. Visit Red Cross Disaster Services.
  • Salvation Army: Offers financial assistance and repair support. Visit Salvation Army Disaster Services.
  • Local VOADs (Volunteer Organizations Active in Disaster): Check with your county or city emergency management for additional local resources.

7. Review Insurance Claims and Coverage

After the hurricane, carefully review your insurance coverage to understand what’s covered and what’s not.

• What You Need: Your insurance policy, identification, and documentation of the damage (photos, receipts, etc.).
• How to Apply:
  • Contact your insurance company to file a claim. Insurers may have partnerships with disaster recovery services to assist in the process.

Important Note about Insurance:

Your insurance coverage is meant to help you recover as quickly as possible, especially after a major event like a hurricane. Filing a claim as soon as possible can help get immediate repairs underway and expedite the recovery process. If your claim is denied, don’t lose hope. Claims can be rejected for various reasons, and you may have grounds to appeal. Our firm is here to assist you if you face challenges with your insurance company.

Facing Issues with Your Insurance Claim? We Can Help!

If you’re struggling with your insurance company or feel your claim was wrongfully denied, don’t hesitate to contact our firm. We offer free claim reviews and can help you determine the next steps. Our attorneys are dedicated to protecting policyholders' rights and ensuring you get the coverage you deserve.

Contact us today for your free claim review!