7 key steps if your home suffers a major loss

Immediately file a claim with your insurance company. For flooding, contact the National Flood Insurance Program(NFIP). If you don’t have coverage, check DisasterAssistance.gov and FloodSmart.gov for possible assistance.

Document pre-loss and post-loss conditions. Hopefully, you have photos or video of your home pre-disaster. If not, find family or realtor photos showing the property, an inspection report, appraisal, receipts for furniture, appliances, work you’ve done. Take photos or video now, showing all damage.

“Mitigate damages.” Insurance may require you to take steps to prevent further damage. Most states make insurers reimburse you within 30 days.

Check “displacement” coverage. If you can’t inhabit your home, confirm how long your policy covers living expenses.

Hire a public insurance adjuster (PA). If your insurer isn’t reasonable, hire a PA to negotiate for you. PA fees are state regulated.

Avoid transient contractors. Work with local contractors who warrant their work.

Stay safe. Don’t move back until all toxic substances are removed.

When financing a home purchase, or refinancing for a lower rate or improvements, please text, email or call us…. Have a great day!

P.S.: Mortgage rates are still near historical lows; contact us about today’s excellent options.

**Looking Out For Your Best Interest**

Brandy Whitmire | Branch Manager | Mortgage Loan Originator | NMLS #194877 

Office Phone: 214-660-5000 | Email: BWhitmire@financemyhome.com

HomeBridge Financial Services, Inc., DBA FinanceMyHome.com   

Mobile APP: www.BrandysApp.com

Application: www.BrandyWhitmire.info

Related Articles

We are thrilled to expand our renewed commitment to Diversity and Inclusion through a partnership with Circa, a national workforce development and recruiting company. With a tarnished history of discrimination, the mortgage industry must take responsibility now to create a new path for equal housing opportunities for all. This starts…
Read More of the post Homebridge Partners with Circa as Part of Renewed Commitment to Diversity & Inclusion

At Homebridge, we know our customers come from all walks of life, and so do we. Under the leadership of our new Office of Diversity and Inclusion, we are inspired to try new things, speak openly, and be bold. It brings us together in ways that help us stand out…
Read More of the post Mortgage Professional America Interview on our New Office of Diversity and Inclusion

There's no place like home, just ask Mackenzie Holowach. When the pandemic hit, Holowach was transferred to assist at a COVID testing site and later worked in a New Jersey ICU. Changing clothes before entering the home she shared with her sister became her norm and Holowach even spent time living…
Read More of the post Stories from the Frontline

Homebridge Launches Office of Diversity and Inclusion as Part of Commitment to Employees, The Housing Industry, And Customers Homebridge announced their newest commitments to diversity, inclusion and empowerment for borrowers and employees of the company. As of September 15th, 2020 – Homebridge has committed to the following initiatives as it…
Read More of the post Homebridge Launches Office of Diversity and Inclusion

We recognize this is a difficult time for many people. Click here or call 866-913-2951 for more information and to learn about current options available to our borrowers.