Where to turn when a natural disaster upends your finances
By Laura McMullen, NerdWallet
Natural disasters, whether massive wildfires, hurricanes or floods, can upend lives in an instant, but unwinding the financial damage can take many months. Still, those affected have many sources of help.
Here’s how you can get help and be strategic with your resources as you begin to rebuild after a disaster.
Deal with immediate needs first
First things first: Contact the Federal Emergency Management Agency to get help via a disaster recovery center by texting “DRC” and your ZIP code to 43362. Texting “Apple” or “Android” to that same number will give you a download link for a mobile app from FEMA with additional resources, such as shelter locations.
Local and state agencies and nongovernmental groups such as the Red Cross also can also help; call 211 from any phone or visit 211.org to get information.
Check your credit card or hotel loyalty accounts as well. You might have points or a free night certificate that can cover the cost of your immediate lodging.
Some general rewards credit cards allow you to use points to book hotels directly through their own travel portals or let you transfer points to a specific hotel loyalty program. Some nearby hotels might offer discounts for evacuees as well.