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Post Series: Hurricane Resources
Palm trees blowing in the wind

If you’re a Quicken Loans client who’s been affected by these storms, know that Quicken Loans is committed to helping you move forward.

Quicken Loans Clients: Important Things to Know About Your Mortgage

  • If the effects of the storm make it difficult for you to make your payment, we have options available that won’t require you to make any payments for an initial period of three months. Please reach out to us at (800) 508-0944.
  • If your home is damaged, the claims process will be smoother if you contact your insurance provider first. If you’re unsure of who your provider is, you can find out by signing in to Rocket Mortgage.

This list of additional resources may also be helpful.

Temporary Shelter and Assistance

One of your primary concerns may be where to sleep and find some assistance with basic needs in the wake of the storm. The local chapters of the American Red Cross are providing help in the form of:

  • Evacuation shelters
  • Water, food and other relief items
  • First aid and other medical care
  • Plans to help with the recovery after the storm

For more information, you can call (800) 733-2767 or find your local Red Cross chapter online.

Emergency Response Centers

If state or federal officials have declared a disaster in your area, local offices should be set up to help with the response to the storm. They can give you information on any disaster-related assistance that may be available in your area. In many cases, these offices can even help with finding grants for the rebuilding process.

The Federal Emergency Management Agency (FEMA) has a list of local emergency offices in declared disaster areas that you can register with. You can also contact FEMA directly at (800) 621-3362.

The Rebuilding Process

Once the storm is over and you’re looking to put everything back together, there are a lot of resources out there to help you with the rebuilding process. One option we’ll go over is backed by the government. Then we’ll touch on the basics of submitting a homeowners insurance claim.

SBA Disaster Loans

The U.S. Small Business Administration (SBA) provides loans for disaster recovery to businesses of any size as well as private nonprofits, homeowners and renters. These loans cover the following:

  • Real estate
  • Personal property
  • Machinery and equipment
  • Inventory and business assets

You can apply for these loans if you’re in an SBA-declared disaster area.

Making a Homeowners Insurance Claim

Another avenue to repair or replace damaged items and fund reconstruction after the storm is to submit a homeowners insurance claim. There are a few things you should be aware of at this point.

You need to determine whether your homeowners insurance policy covers flood damage, as many don’t. The easiest way to get this information is to call your insurance carrier directly.

In the event you’re not covered, you should take a look at applying for one of the disaster relief grants or loans mentioned above. Otherwise, you can proceed with making a claim by following your insurance company’s guidelines.

Keep a record of your losses and take photos if at all possible. Be very thorough.

If you currently have a mortgage, your lender needs to sign off on claims above a certain dollar amount because Fannie Mae, Freddie Mac, the FHA and other major mortgage investors need to make sure the property is restored to a condition that’s as good as or better than when you bought it.

The claims process will go smoother if you contact your insurance company first. After that, you can go ahead and contact your mortgage lender. They’ll work with you during the claims process to make sure everything happens as it should.

Quicken Loans clients can contact our insurance claims team at (866) 947-8425. We’ll work with you to get you back in your home as soon as possible. Our hours have been extended to help clients who have been impacted in disaster areas. If you leave a message, we’ll get back to you within 24 hours.

For more information on homeowners insurance, check out this post on filing a claim.

Mortgage Payment Assistance

If you’re able to make your mortgage payment, we recommend doing so, but these storms often leave people in a difficult situation, particularly if you’ve been displaced. If you anticipate having trouble making your mortgage payment in the upcoming month, reach out to your lender or servicer as soon as possible.

Quicken Loans clients can contact us by calling (800) 508-0944, option 8. We’re committed to working with you, and we have options available for those in the affected areas.

Our thoughts are with you during this difficult time. Leave your questions in the comments below. We’ll do everything we can to help you directly or get you to the right place.

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This Post Has 102 Comments

  1. My mortgage is with carringston. My power was out for a week and we lost food from frig. and freezer and slight roof damage that caused water to come down on one side of my fireplace. I had made advance motgrage payments. We are seniors with disabilities. Would I be eligible for the forbearance plan.
    Kind Regards

    1. Hi Mildred:

      You could probably get some assistance, but you need to reach out to your lender, Carringston, and they’ll be able to go over the programs they’re offering to help with this. The next step is just to contact them. Hope this helps!

      Thanks,
      Kevin Graham

  2. QL:

    We have been with QL for about 5 years. This is our first Major Hurricane. We have some roof damage and took on some water during IRMA. Our insurance adjuster called and we have an appointment for assessment of damage on the 23rd. In the meantime, we have both been out of work (self employed) for about 2 weeks now. Our office building still is not officially able to open for business and will remain closed most likely for at least another week. Funds are dwindling as they are not being replenished as we are out of work. We are going to need some time to rebuild and recover financially. Do we qualify for a forbearance? If so, how do we apply. Internet and phone service is sporadic as we have to drive into town to make a phone call or access Wi Fi.

    1. Hi Marc and Monica:

      I’m glad to hear you’re OK. We’ll have someone reach out as soon as possible regarding options to help with your mortgage payment even if it’s just over email. We should be able to help you while you take the time to rebuild. Thank you for taking the time to contact us!

      Kevin Graham

  3. Hi! I live in Naples, FL and have a number of minor repairs that I need to make to my roof and the skirting around my house. Is it possible to get some assistance for those repairs? I have minimal phone reception and no cable or internet at the moment. But I can receive texts. I’m using my local Publix free wifi! Thanks!

    1. Hi Dina:

      I’m glad to hear you’re OK. We’re going to have someone reach out to you as soon as possible about options with your mortgage payment so we can help you free up some funds for those repairs. We’ll be in contact as soon as possible even if it’s just over email for now. Thanks for reaching out!

      Kevin Graham

  4. We also did not have damage to our home but expended funds in preparation of the storm, lost power for over 2 days (which resulted in loss of all the food in our home) and have trees down on the property which we are trying to get to the curb (power tools) for the crews to pick up next week. Are there any options for us? We just bought our home (my first) the end of April. Thank you QL for all you are doing for your customers!

    1. Hi Joy and Mark:

      I’m glad to hear your home came through the storm so well. I’m going to make sure we have someone reach out to you about payment options shortly. Thanks so much for reaching out!

      Kevin Graham

  5. We own a business and had insurance for loss of income. We were in the eye of hurricane in Naples FL and our county was declared a disaster area. Insurance said that they would not pay because we had limited damage (a garage door that let some water in) however we have been without power for a week and possibly another week. We could not access our business for a week because of downed power lines and trees blocking it as well.

    Does quicken do business loans? We anticipate a few months before people start to shop again and need some working capital.

    1. Hi Jennifer:

      We can absolutely reach out to you about options to help with your mortgage. I’m going to make sure someone reaches out tomorrow. We have options.

      Quicken Loans doesn’t do business loans, but our friends over at RapidAdvance are members of our family of companies. They specialize in loans for small business. Check out that website. There may be a solution that fits your needs.

      Thanks,
      Kevin Graham

  6. I sent an email about help after this hurricane because my phone is down and I was asking about my options. I know you are probably overwhelmed helping all of us. What is the usual response time via email? Thank you.

    1. Hi Teresa:

      We’re certainly keeping very busy right now., That being said, there’s obviously a very good reason for that. I’m going to pass this along to our client relations team and make sure we have someone reach out to you so we can start to help you with your recovery process. Thanks for reaching out! We do have options for you.

      Thanks,
      Kevin Graham

  7. We survived Irma with minimal damage. We were evacuated for 3 days and once we came home, we had a tree branch fall through our lanai, and a leaking water pipe. The leak has been repaired, and we still need to repair the lanai. This has taken most of our extra funds and makes it very difficult for next months payments along with other bills. We are first time home buyers with a VA loan, and we just bought this home in May 2017. Will requesting financial assistance or a postponement of payment poorly affect my loan? Can you please explain any options?

    1. Hi Yvonne and Kelvin:

      We can absolutely help you go over your assistance options. The forbearance plan being offered through mortgage investors like the VA is a payment pause. It doesn’t impact your credit because this is a special natural disaster forbearance. We can pause your payment for an initial period of up to 90 days. At the end of the initial timeframe, we have the option of extending the forbearance month-to-month for as long as is necessary to help you get back on your feet. At the end of the forbearance, we can do a special mortgage modification that won’t impact your credit. This way, any payments for the period of the forbearance are rolled into the loan. I’m going to have someone reach out to speak to you in more detail about this. Thanks for contacting us!

      Kevin Graham

  8. Hi Kevin,
    Thank you for the article. Can you tell me if Quicken offers an option to simply skip a payment? Today is my first day with power, I have missed a full week of work, and am just beginning the clean-up and assessment process. It is quickly becoming clear that I am going to run into trouble paying next month’s bills, including the mortgage. I am unable to make any lump sum payment in the future or extra installments on the missed payment(s). Do you know if this is a possibility with Quicken?
    Thanks SO much,
    Lauren

    1. Hi Lauren:

      I’m glad you’re safe. The option we’re offering in terms of hurricane assistance is the same being offered by any lender with Fannie Mae, Freddie Mac, FHA or VA loans. We are able to offer you an initial forbearance or payment pause period of up to three months. At the end of that period, we have options depending on the way your situation looks. If you’re still having trouble getting fully back up and running, we have the option to extend your forbearance month-to-month for as long as is necessary to make sure you have the recovery time you need. At the end of the forbearance, it’s important to note that while you have the option of making a lump sum payment, you don’t have to. We are able to roll the payments and your loan by doing a non-credit impacting mortgage modification if that’s the option that makes the most sense for you and your situation. I’m going to have someone reach out to you shortly with more details. We are absolutely here to help you.

      Thanks,
      Kevin Graham

  9. I live in Miami, FL and my property had minimal damage but since I am a consultant, I did lose over a week’s worth of wages while my client’s offices were shut down. I need to make minor fixes to my backyard fence and had to spend money on supplies for the Hurricane. Would I qualify for assistance?

    John Baez

    1. Hi John:

      I’m glad to hear your property came through the storm well and that you were safe. I’m going to have someone reach out to you regarding assistance options that may be available to you. Someone will be reaching out shortly.

      Thanks,
      Kevin Graham

  10. I just want to say thank you again for helping us get the forebearance for 3 months. You have really helped us out to getting back on track after the storm. Bless you.

    1. We were glad to help, D! Our thoughts are with you and all the folks affected by the storms. Have a wonderful day!

      Thanks,
      Kevin

  11. Hi,
    I live in Cutler Bay, FL and have been affected by Hurricane Irma. We had to evacucate and came back to broken fence, broken pool pump and pool, down trees and jammed front door.
    I spoke with someone from Quicken Loans and they gave me some options. I appreciate that. However, I have a question.
    If I do take this option of 3 months no payment, at the end of it, I was told they will do a Natural Disaster loan modification. Does this mean I have to go through the closing process again and pay closing costs?

    1. Hi Madhuri:

      These are good questions. It’s definitely not a full loan process all over again. That said, in terms of any costs, I’m going to forward this to our client relations team and absolutely make sure you get the right information so you know what the options are going forward. Someone will be reaching out shortly.

      Thanks,
      Kevin Graham

  12. My home was flooded with water levels that exceeded 10.5′. I have prior experience with floods and have already filed a claim with my flood carrier and an adjuster was at my house Tuesday. I plan to pay off my current QL mortgage and buy a new home once I have a settlement with insurance. My previous experience with flooding was in 1994 and the insurance carrier made checks out to both myself and the mortgage company I had back then. I had to mail the checks to the mortgage company so they could endorse it and mail it back to me before I could deposit the check. I restored my house at that time. Assuming the checks will be made out to both myself and Quicken Loans what will be the fastest way to get the check deposited in my account so I can payoff my current mortgage and start a second mortgage with my new home. I have already been pre-approved with QL and am in the process of gathering all the documents they are requesting using MyQL. Where do I overnight the check to get it endorsed and overnighted back to me, or is there another option to consider?
    Thank you,
    James Jordan

    1. Hi James:

      I’m going to get this to Client Relations so that they can have someone from our insurance claims team reach out as soon as possible. I’m glad to hear you’re okay! Someone will be reaching out soon to go over next steps and your options.

      Thanks,
      Kevin Graham

      1. Kevin, we didn’t have no damage or anything, but the cost of preparing for the storm has set us back with funds! Do we qualify for any help with our next mortgage payment coming up in October! Enrique from Bradenton Fl.

        1. Hi Enrique:

          I’m glad to hear you came through the storm well. We can absolutely have someone reach out to go over potential options for you. They’ll be reaching out shortly.

          Thanks,
          Kevin Graham

  13. Hi there, My family and I have been affected by hurricane irma. We have been displaced for 5 days now with more days in sight. We still do not have power at the house and the estimated time is sometime next week. We do have damage to the house. We lost the porch roof and shingles and an entire side of lining and soffit on the house. My Mortgage will be late on the 16th. I was looking for an exemption so I can gather the funds to get the house fixed and back up and going before paying mortgage. I need assistance as I have lost food, and have taken property damage. I have also lost a substantial amount of funds. My phone and my girlfriends phone service has been spotty at best, not receiving calls, and or texts.

    1. Hi Eric:

      I’m sorry to hear you’ve been impacted by Irma, but I’m glad you’re safe. I can tell you right now that we aren’t charging late fees and your credit won’t be impacted for paying late. That said, I’m going to have someone reach out to you even if it’s just by email so that we can speak to you about options including forbearance – a temporary payment pause – or other longer-term solutions for assistance. They’ll reach out shortly. Thanks for getting in touch!

      Kevin Graham

  14. Roof was damaged by Irma and will need to be replaced. Would like to explore options for refinance or 2nd. Would like to do some other improvements. Where do i call?

    1. Hi Susan:

      We’re here to help! I’m going to send this through to our client relations team just in case you’re a current client. We may be able to offer you some options to help with your current mortgage payment so you can get the roof replaced in the short-term. We don’t do second mortgages, but if you would like to go over your options for a cash-out refinance of your primary mortgage, we can absolutely help you look into that. If you would like to get started over the phone, one of our Home Loan Experts would be happy to take your call at (888) 980-6716.

      Thanks,
      Kevin

  15. We survived Hurricane Irma with minimal damage. We were lucky although we lost power for 4 days. Due to the expenses in preparing for the storm(plywood, gas, water, food for a family of 4, etc), we spent a lot of money. I am a bartender and I’ve missed several days of work due to the storm and the aftermath plus the curfew in effect. Would we be able to receive any suspension in our payment this month?
    Thank you!!

    1. Hi Tammy:

      First, let me say I’m glad you came through the storm with minimal damage. That’s good to hear! I’m going to get this over to our team and we can go over any options you may have. Someone will be reaching out shortly. Thanks!

      Kevin Graham

  16. I am reaching out seeking assistance or a delay in our payments after the wrath of Hurricane Irma. Any assistance would be GREATLY appreciated!

    1. Hi Crystal:

      I’m absolutely going to get this over to our client relations team and we’ll be able to look in your situation and get you taken care of. Our thoughts are with you and good luck with the rebuild.

      Thanks,
      Kevin Graham

  17. Hi Quicken, I returned to my home after the hurricane to discover the one and only tree in my backyard fallen across my power, cable and Internet lines and all wires pulled from my house. I immediately called the city about the downed lines and was first informed that the city would take care of all, however in a general report issued last night I’m now being told that they will cut the lines from the pole until I have the tree removed and then I’ll need to get on a list to reattach to the pole. I have a large deductible so it will certainly help if I can get my payments suspended for several months. Please let me know what I need to do. Thanks so much, Gail from Lake Worth, FL

    1. Hi Gail:

      We can certainly help with that. I’m going to get this over to our Client Relations team and someone will reach out shortly.

      Thanks,
      Kevin Graham

  18. Going through this hurricane the damage what it done around 7 Big Trees in the back one of the trees hit one of my cars did Pro lot of scratches on it that all was cleaning up but the bad thing is is being our business for 10 or 15 days going on the 8th day with no electricity who knows when it’s going to be back on but no customers coming in here that hurts me don’t know what to do need help some way
    Cindy

    1. Hi Cindy:

      I’m going to have someone reach out to you about options we have in the way of help as soon as we possibly can. Unfortunately, we’re dealing with a network outage at the moment. We’re working with the vendor to resolve the technical issue and will be contacting clients as soon as we can when our systems come back online.

      Thanks,
      Kevin

    1. Hi Ronald:

      Unfortunately, our systems are currently down. I’m going to give you a couple of options and I recommend trying them in a couple of hours. We’re working with a vendor to resolve the technical issue.

      If you’d like to get started online, you can get preapproved through Rocket Mortgage. Otherwise, one of our Home Loan Experts would be happy to take your call when we get things back up and running. That number is (888) 980-6716. We appreciate your patience and hope to have things back online shortly.

      Thanks,
      Kevin Graham

  19. My home was damaged by hurricane Irma. I have a big limb harpooned in my roof that left a 6” hole. Lost power Sunday afternoon. Power restored Tuesday evening around 5pm. I tried reaching out to my insurance company but their phone system answers then hangs up the call. I tried contacting them online but their system will not allow me to register. Wow, I don’t know what to do now.

    1. Hi Robert:

      I’m going to get this over to our client relations team as soon as possible in order to help with your issue. We are definitely here to help. Thank you for reaching out!

      Kevin Graham

  20. I live in Sarasota FL and had no damage. I am wondering because I live in the disaster area (all of Florida) and have known roof leaks, would I quality for the forbearance (natural disaster). I was without power for about 30 hours and not certain if the roof repairs previously made are going to hold up. I am responsible for any interior damage, the HOA is responsible for the roof. Please advise.
    Kind regards

    1. Hi Cassandra:

      The natural disaster forbearances being offered in the wake of Irma are really intended for people that are suffering the aftereffects of the hurricane including time off work time off work due to workplace damage or trouble making their mortgage payments because of having to reallocate funds to travel elsewhere or repair damage. That being said, if you’re going to be having trouble making your mortgage payment, that’s absolutely something we can work to help you with. I’m going to have someone reach out to talk to you about this.

      Thanks,
      Kevin Graham

    1. Hi Hester:

      Our thoughts are with you at this time and we want to do everything we can to help you get back on your feet. If you need assistance with an insurance claim, call your insurance company first, but we’re going to have someone reach out to help assist you with that. We can also help you with a natural disaster forbearance, or payment pause, should you need help with your mortgage payment. Someone will reach out to go over all this with you, but for now, please know we are here to help.

      Thanks,
      Kevin Graham

  21. I have no power since Sunday night and I don’t know when it will be turned back on no structal damage just limbs all over the yard .in Orange Park,Fl

    1. Hi Pamela:

      That sounds like great news all things considered. I’m going to have someone reach out to you just in case there’s any way we can assist.

      Thanks,
      Kevin Graham

  22. We want to personally thank the Quicken loan staff for allowing us to defer the next few payments during this most difficult time. With a 5% hurricane deductible, which equated to over $17,500, we knew that filing a claim would do nothing but cause the insurance company to drop us. We estimated our damage to be around $10,000 and now have some extra cash to make all necessary repair,s thanks to Quicken Loans. Kevin & Lori – Royal Palm Beach, FL.

    1. Hi Kevin and Lori:

      I’m glad to hear we were able to help you! We wish you and the other victims of Irma the best of luck as you work on getting things back to normal. Have a great rest of the week!

      Thanks,
      Kevin Graham

    1. Hi Shivaji:

      Have you been impacted by the hurricanes? We don’t do home purchases with land involved, but if your home has been damaged in the storm and you’re a Quicken Loans client, we can help you. That’s what this post is about. I’m going to email you and let me know if we can help.

      Thanks,
      Kevin Graham

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