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What to Do After a Natural Disaster

When a natural disaster hits, your life may be quickly filled with uncertainty and chaos. After ensuring you and your family are safe, issues related to your home and income are typically of utmost concern, from how to handle repairs and insurance claims to temporary mortgage payment relief. Investor guidelines will determine your available assistance options. Caliber is here to help.


  • Ensure your safety and the safety of your family; be sure your residence is safe before returning to inspect any damage.
  • Record the details of your damage, document with photos.
  • Locate any important documents you may need for seeking assistance.
  • Contact your homeowner’s insurance provider to understand your coverage, file a claim and meet with an adjuster.
  • Contact FEMA at 800-621-3362 to determine if you qualify for assistance and obtain a FEMA case number. Be sure to have your social security number and contact information available.
  • Contact Caliber Home Loans to report your insurance claim information and learn what hardship options may be available under your loan program.


Your insurance company should be one of your first calls. Before you call, be sure to read up on the process.

The Insurance Process


Agency Resources


During the FEMA relief period, if you were impacted by a natural disaster, Caliber may be able to offer payment relief options.

Payment Relief Options

Until you confirm that you are eligible for payment relief under your investor’s loan program during a FEMA declared relief period, it is important that you continue to make timely mortgage payments. If you cannot, payment assistance may be available. Payment assistance plans have a limited term. Any unpaid amounts will be due and payable at the end of the payment assistance period. Remember, your loan program guidelines are primarily set by the investor, not Caliber. Certain limitations may apply based on those guidelines.

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