After a natural disaster, the road to recovery — financial and otherwise — can be long and bumpy. As you begin picking up the pieces in the aftermath of Hurricane Ian, here are some things to think about as you develop a plan to regain your financial stability:
- Contact your insurance company. Find out if your home, health, or other insurance policies will pay for temporary shelter, clothing, and other items.
- Manage your money. Report lost or stolen credit, ATM, or debit cards to the card issuer as soon as possible to get replacements. If you don’t have the card company’s phone number, call 1-800-555-1212 to get it.
- Stay in contact with your employer. If your work is closed, or if you can’t go to work, ask if you can keep getting your paycheck and health insurance, and for how long.
- Contact your provider if you receive social services or benefits. Reach the Social Security Administration at 1-800-772-1213 or the Veterans Benefits Administration at 1-800-827-1000. Find out how they can make your benefits available if you’re displaced.
- Talk to creditors, landlords, and utilities as soon as possible. In times of disaster, they may be willing to defer your payments or offer extended repayment plans, give grace periods, waive late fees, raise your credit limit, and postpone collection, repossessions, and foreclosures.
- Manage your credit. If you’ve lost your financial records and need help identifying your creditors, get your free credit report from AnnualCreditReport.com or call 1-877-322-8228.
- Find out where to replace damaged or lost documents. And request lost or missing vital records.
The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Your thoughts, ideas, and concerns are welcome, and we encourage comments. But keep in mind, this is a moderated blog. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. We expect commenters to treat each other and the blog writers with respect.
- We won’t post off-topic comments, repeated identical comments, or comments that include sales pitches or promotions.
- We won’t post comments that include vulgar messages, personal attacks by name, or offensive terms that target specific people or groups.
- We won’t post threats, defamatory statements, or suggestions or encouragement of illegal activity.
- We won’t post comments that include personal information, like Social Security numbers, account numbers, home addresses, and email addresses. To file a detailed report about a scam, go to ReportFraud.ftc.gov.
We don't edit comments to remove objectionable content, so please ensure that your comment contains none of the above. The comments posted on this blog become part of the public domain. To protect your privacy and the privacy of other people, please do not include personal information. Opinions in comments that appear in this blog belong to the individuals who expressed them. They do not belong to or represent views of the Federal Trade Commission.
This article is so informative.
Thank you for taking the time and initiative to provide this timely and so important instructions.