If your home has been impacted by a disaster such as a winter storm, hurricane, tornado, or wildfire, here are three important steps to help protect your property and finances:
1. File an insurance claim with your provider for any damage caused by the disaster.
2. Contact our Loss Mitigation Department at lossmit@admortgage.com to inquire about available assistance programs.
3. Register for disaster assistance through federal, state, or local agencies. This support may help cover costs not included in your insurance policy.
Insurance Claim Process
1. Reach out to your homeowners insurance provider
Share details about the damage and losses sustained.
Note: If your flood insurance is provided through FEMA’s National Flood Insurance Program (NFIP), you can find guidance on starting a claim at FloodSmart.gov/recover/start-a-claim.
2. Document the damage before making repairs
Take photos and videos for your records. Some insurers allow remote reporting via live video from your smartphone.
3. Work with an insurance adjuster
If your loss is covered, an adjuster will assess the damage and provide a repair estimate.
4. Choose a contractor
Ask for recommendations, compare multiple quotes, and ensure the agreement is documented in writing.
5. Receive your loss draft (claim) check
If the check is issued to you, please contact our Loss Draft Department at lossdraft@admortgage.com for guidance on next steps.
For more details, refer to our Insurance Claim Check Process (link to related article) article.
Here are three key avenues to explore:
1. Federal Disaster Assistance
Visit www.disasterassistance.gov or call FEMA at (800) 621-3362 (TTY: (800) 642-7585) to check your eligibility for benefits that may not be covered by your insurance.
Note: You should consider registering even if your area hasn’t been officially declared a disaster zone yet. FEMA’s list of declared areas is updated regularly — use their search tool to check your location.
2. State and Local Agencies
Reach out to agencies such as:
♦ Your state or county emergency management office
♦ Department of Health and Human Services
♦ Governor’s office
You can also find localized resources at www.fema.gov/locations by entering your city, state, or ZIP code. Once your state’s page appears, select “Helpful Resources”
Additional links are available at USA.gov.
3. Non-Profit and Relief Organizations
Several organizations offer support during disaster recovery:
Red Cross: Visit the Get Help section or call 1-800-RED-CROSS.
United Way: Visit 211.org or dial 2-1-1.
Salvation Army: Visit their Disaster Relief page.2. State and Local Agencies
Reach out to agencies such as:
♦ Your state or county emergency management office
♦ Department of Health and Human Services
♦ Governor’s office
Important Reminder: Be cautious of scams. Fraudsters may pose as government officials or non-profit representatives. Scams involving home repairs and price gouging often increase after disasters. Learn how to protect yourself at our Mortgage Scam Prevention page.
By taking advantage of these resources, we hope you’ll be able to recover financially and continue pursuing your homeownership goals. We’re here to support you every step of the way.