When your home has been severely damaged as the result of a flood, fire, or other emergency situations, the costs can add up quickly. You may have to miss work during these times, leading to a loss of regular income. You also have to find somewhere else to stay while your home is being repaired which can be a heavy cost. Finally, you have to replace all of the items that were damaged. That leaves little room in most budgets for home restoration. Here is how to pay for an emergency home restoration when you’re finances have been drained.
File A Claim With Your Homeowner’s Insurance
The very first thing you need to do is file a claim with your homeowner’s insurance company. It’s a good idea to call an emergency home restoration company as well to help get an estimate of the cost of the damage. Then review your policy with your agent to understand what is covered. Most homeowner’s insurance policies will cover at least part of the costs of the restoration.
Research Federal Disaster Relief
The Federal Emergency Management Agency (FEMA) often provides funds to people who have experienced damage to their homes in natural disasters. You can look up whether or not you qualify for relief by visiting Disaster Assistance. You simply enter your zip code to see if the government has issued individual assistance to your area. If they have not issued assistance yet, don’t give up! Check back routinely because sometimes the relief programs can take a little time to go into effect.
Consider Using A Federal Financial Assistance Program
After an emergency, the federal government offers more than just assistance through FEMA’s individual assistance programs. There are also many other programs that can help relieve some of the financial stress. These programs can cover:
- Food Costs
- Utility Bills
You can learn more about these programs at USA.gov’s Financial Assistance After A Disaster program page. These programs can help cover some of your expenses, so you can use your resources to restore your home.
Reach Out To Your Community
Americans are really good at coming together after a disaster and helping the people that have been impacted in their communities. There are so many local organizations that can provide aid and relief when your home has been destroyed. You can start by checking into your local housing office to connect with community development programs. There are also some collective nonprofit organizations like United Way or Americares that can help you find a local nonprofit that may be able to help you.
An emergency home restoration can be a huge financial burden when you’ve lost everything. However, there are a number of ways to get a little financial relief until you can get your life back on track. Finally, make sure that you always get quotes from a couple of different emergency restoration contractors. If you need help marketing your services, contact ignitedCONTRACTOR today.