Finding Financial Help After a Natural Disaster Like Hurricane Ida

After the passage of Hurricane Ida, President Joe Biden pointed out that it is necessary to invest in infrastructure to face the new climate challenges.

Photo: Sean Rayford / Getty Images

Just 16 years after Hurricane Katrina wreaked havoc in Louisiana, Ida rushed over the coast on August 28 demonstrating his strength by reversing the course of the Mississippi River.

The state has been declared by President Joe Biden as a major disaster area and thousands of people rush to seek help, emergency shelters and programs that allow them to get help immediately.

More than a million people are dealing with power outages, floods, cleaning and repairing of homes. In case you or a family member have been affected by the weather phenomenon there are different agencies and institutions that are providing support.

Food aid

If you have trouble finding food, the U.S. Food and Nutrition Service offers a contact map your state to help you find food. You can also check the Supplemental Nutrition Assistance Program. For help you can call 211 or visit the website

There are also different local organizations that are providing help:

Related: Hurricane Ida affects gasoline production and causes prices to skyrocket

How to find a shelter

In case of having been evacuated of emergency or if your house has been left uninhabitable, you can find an emergency shelter in your area. You can also find a nearby shelter using the application of the Disaster Recovery Center or by texting CCD with your zip code to 43362. To find an open shelter, you can text SHELTER and your zip code to 43362.

You can also check out the help of the following organizations:

Related: Labor Day 2021: Home Depot and Lowe’s began appliance deals

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The passage of Hurricane Ida has left more than fifty fatalities.

Mortgage help

If your home was damaged by Hurricane Ida, you will need to contact the insurance company as soon as it is safe to do so.

Federally backed mortgage companies Fannie Mae and Freddie Mac have announced special provisions that allow homeowners to take a breather on mortgage payments at intervals ranging from three months to a maximum of 12.

During this pause in payments, there will be no late fees and late payments will not be reported to the credit bureaus.

Both Freddie Mac and Fannie Mae have established special resources to help homeowners affected by the hurricane damage.

“Together with our mortgage servicers, Freddie Mac stands ready to provide immediate mortgage relief options to those affected by Hurricane Ida,” according to a statement from Bill Maguire, Freddie Mac’s Vice President of Single Family Services Portfolio Management to the AP agency.

To contact Fannie Mae Freddie Mac:

In case your mortgage is not backed by Freddie Mac or Fannie Mae, there are other assistance programs you can turn to:

Related: For late mortgage or utility payments: Homeowner Assistance Fund provides $ 10 billion in stimulus via the IRS to cover debt

Additional mortgage assistance programs

  • Program contact information
  • National Center for HUD Insured Mortgage Services 877-622-8525 or FHA Resource Center 800-CALL-FHA (5342).
  • HUD Approved Housing Counselors 800-569-4287 or
  • VA Veterans Home Loans 877-827-3702
  • VA Specially Adapted Housing Grant Funds 877-827-3702
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Some policies offer additional coverage for living expenses in case you have to vacate your home.

Rental assistance

Renters insurance policy coverage

The renters insurance policy covers the risks of most storm damage, such as rain, wind, failure, and fire.

Damage to personal property is also typically covered, including furniture and electronics.

Some policies offer additional coverage of living expenses in case you have to vacate your home to temporarily stay in a hotel, or they cover the cost of meals.

If you have a separate renters flood insurance policy, You can also receive protection against flooding from Hurricane Ida by contacting your insurance company and filing a claim.

The CDC rental moratorium ended on August 26, but still local programs are available to provide rent and utility help.

Related: Hispanic and African American women are the groups that suffer the most from eviction cases due to not being able to pay their rent

Federal ERA program

The U.S. Department of the Treasury’s Emergency Rental Assistance Program provides assistance for a variety of expenses:

  • Water
  • Electricity
  • Gas
  • Fuel
  • Sewerage
  • Trash cleaning
  • Internet
  • Reasonable late rates
  • Moving expenses
  • Other rental fees and expenses
  • The availability of services depends on your local program and may include additional housing stability services, such as legal advice and representation. You can get more information on the website of the Treasury Department.

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