Affected by Wildfires? Mr. Cooper Is Here to Help

Estimated reading time: 7 minutes

First, our hearts go out to everyone impacted by the devastating effects of the recent wildfires. We know this is an incredibly stressful time and that your situation may be changing by the minute. Rest assured that our customer service team is standing by ready to assist you. We know that your first priority will be to keep yourself and your loved ones safe and our team will do everything we can to help address your home and mortgage needs. As part of this effort, we’ve compiled three steps below you can take to ensure your home and finances are protected:

• Filing claims with insurance providers for damages related to the wildfire.
• Applying for mortgage assistance with us.
• Registering for disaster assistance with state and federal agencies. (This assistance may cover expenses that your insurance company doesn’t.)

Here are a few tips to help you through the process of taking these steps.

Filing an insurance claim

1. Contact your homeowners insurance provider. Start the claim process by providing details to your insurance carrier(s) of the damage and loss sustained as a result of the disaster. (If you need assistance in person, ask if a mobile claims center is open in your area.)

While we realize that it may be frustrating to not be able to return to your home, please do not do so until authorities say it is safe. When you are able to, document damage before making any repairs to the property and keep photos and videos for your records. Your insurer may also allow you to report this damage quickly and remotely via live video captured on your smartphone. If you’re concerned about documenting roof and other exterior damage safely, see if your insurance company can use drone or satellite images to aid in the process.

Throughout the claims process, save receipts related to any repairs and other costs incurred after the disaster (for example, living expenses). These efforts will potentially help in discussions with your insurance carrier in resolving the claim. 

2. If your loss is covered, your insurance provider will assign an adjuster to your claim. The adjuster will work with you to assess the property damage and come up with an estimate of the repair costs.

3. Once the adjuster’s cost estimate is complete, your insurance company will send a loss draft check (or claim check) to you to pay for repairs. This check will be made payable to both you and Mr. Cooper. Once you receive the check, please contact our Loss Draft Department at 866-825-9302 or go to www.insuranceclaimcheck.com for instructions on the handling of the check.

Typically, you will need to endorse the check and forward it to us at one of the following addresses, along with some other documentation (see next section). We will then either endorse the check and return it to you OR deposit the check into a loss draft account and then issue you a new check.

Note: If you need to provide a recipient’s phone number on your mailing label, list 866-825-9302.

4. Depending on the loan status at the time of the disaster or the amount of the loss draft check, we may require additional documentation before releasing the insurance funds. Along with the endorsed insurance claim check, some of the typical documents we may require include:

• Insurance company adjuster’s worksheet
• Signed contract/proposal with your contractor
• Contractor’s waiver of lien
• Contractor’s W-9
• Copy of the contractor’s license

While you work directly with your insurance provider, our team is here to help you with every step in the insurance claim process. You can reach our Loss Draft Department at 866-825-9302 for assistance. You can also submit these documents to us at www.insuranceclaimcheck.com or fax them to 866-411-8857.

Applying for mortgage assistance

1. If your home or income was impacted by a natural disaster, we may be able to provide you with additional assistance. Depending on the loan, this assistance may include a Disaster Forbearance Plan with benefits, such as:

• Paused mortgage payments for a set period of time
• Negative credit suppressions
• No late fees

Note: Don’t forget to update your contact information if you’ve been temporarily relocated so we can keep in touch with you during this difficult time.

2. Apply for a Disaster Forbearance Plan from your online account. If you don’t have one, please create an online account now. (If you can’t apply online at this time, please contact us at 833-685-2565.)

For more information on Disaster Forbearance Plans or how to request one, please visit our Disaster Relief page.

3. Contact us for additional help, anytime. You can access our chat feature for quick answers. Chat is available on our main website at www.mrcooper.com and in our Help Center.

• Live agents are available during business hours (Monday – Thursday, 7 a.m. – 8 p.m. (CST) and Friday, 7 a.m. – 7 p.m.).
• Our virtual assistant is available 24/7.

You can also contact us from your online account. Sign in to reach a live agent or to leave a message in our secure Message Center. For the best chat experience, please sign in first.

Please contact us using our official phone numbers and webpages only. Scammers take advantage of natural disasters and may pose as Mr. Cooper. (Read our blog on how to avoid mortgage scams to learn more.)

Note: HUD-approved housing counselors can help you understand your mortgage assistance options and talk with us. 

Registering for additional disaster assistance

1. Register for federal disaster assistance—especially if you’re underinsured. To register, visit DisasterAssistance.gov or call FEMA at 800-621-FEMA (3362). This step is recommended even if your home is not in an official disaster area, as undeclared areas can be added at a later date (you can check for updates on declared areas with FEMA’s search tool for declared disasters). With this assistance, you may be eligible for benefits and resources that are not covered by your insurance company.

2. Look into additional options offered by your state or local agencies. Contact agencies such as your:

• State and county emergency management offices
• Department of health and human services
• Governor’s office

They may provide access to resources other than those provided by the federal government or your insurance company. You can find helpful resources like these at fema.gov/locations by entering your city and state or zip code. Once your state’s page appears, select the “Helpful Resources” option. USA.gov also links to local resources.

3. Reach out to helpful organizations. Non-profits, churches, and other organizations may also be able to assist you. Helpful organizations may include:

• 211: Visit 211.org or call 2-1-1.
• Red Cross: Visit the Red Cross Get Help page or call 1-800-RED-CROSS.
• Salvation Army: Visit the Salvation Army Disaster Relief page.

Returning home

Returning home after a wildfire presents a range of safety risks, both to your health and on your property. Please review the safety tips provided by Ready.gov here.

As you assess your property, beware that scammers may try to take advantage of you in your time of need by posing as a non-profit, insurance representative, or government official. Home repair scams and price gouging efforts also increase after natural disasters. 

To prevent contractor fraud, experts recommend:

• Finding a contractor based on the recommendation of someone you trust who can vouch for the contractor’s work. (Your insurer may have a list of suggested companies.) 
• Obtaining multiple bids.
• Checking for complaints.
• Signing off on your final agreement in writing, only after your insurance company has reviewed it and confirmed what costs will be covered.

Also, beware of contractors who ask for large amounts of money upfront or provide very low bids. For more information, see our blog on finding a contractor and the FTC’s tips on avoiding contractor scams.

We hope you will walk away from this situation safe and sound, with everything you need to protect the investment you’ve made in your home. We will continue to monitor this situation, and whenever you need us, we will be here to help.

Any third party trademarks and tradenames used on the Mr. Cooper^® Blog are the property of their respective owners. Nationstar Mortgage LLC d/b/a Mr. Cooper is not affiliated, associated, or sponsored by any of these owners. Use of these names and trademarks is not intended to and does not imply endorsement but is for identification purposes only. Information provided does not necessarily represent the views of Mr. Cooper. Information is subject to change without notice.