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What should I do if my house is destroyed in a natural disaster?

Contact your insurance company as soon as possible to start the claims process. 

Also be sure to ask for a copy of your policy if you don’t have one available. This will help you verify your coverage.

Your next call should be to your mortgage servicer, if you own your home. Damage to your home does not stop your responsibility to pay your mortgage. Tell your servicer about your situation and take careful notes during the conversation. There may be a number of options available that could help you put off or reduce your mortgage payments.

You can use the CFPB's "Find a Counselor" tool to get a list of U.S. Department of Housing and Urban Development (HUD)-approved counseling agencies in your area. You can also call the CFPB at (855) 411-CFPB (2372) to be connected to a HUD-approved housing counselor.

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Buying a House

We've built tools to help you understand the mortgage process and compare options.

Visit our "Buying a House" guide

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