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Disaster Assistance - The Trustmark Disaster Assistance Team can help
Help is available for customers affected by storms or other natural disasters. Call 1-800-844-2400 or 601-208-7957. Has a natural disaster, storm, accident, or other event damaged your home or caused you financial hardship? Whether a widespread disaster or some other event has damaged your home, our disaster assistance team is here to help.
Tip: Remember to include your mortgage loan number on any information you send us. Keep copies for your files.
Disaster Assistance and Property Damage – Steps For Insurance Claims And Property Repairs
Step 1. Contact your insurance company if you have any property damage
Your first step is to contact your insurance company and file a claim with them. Find out when an adjustor will come and when to expect any claim checks.
Step 2. Call us at 1-800-844-2400 after you file a claim
We’ll provide you important details on how to process your claim check. We’ll discuss how Trustmark will be involved in the process to restore your home. We’ll look for other ways we can help.
Step 3. Endorse the insurance check and start the repair process
When you receive your insurance check, you’ll notice that Trustmark is named on it. As the mortgage provider, we have a financial interest in ensuring your property is restored. Notify us as soon as you get your check and we will give you the information you need to move forward with repairs.
For most minor damages, we’ll endorse the insurance check to you to manage the repairs
Generally, if your home has only minor damages – and your loan is current – we won’t need to oversee the repair process. Instead, we’ll endorse the check completely to you to manage repairs. (Other conditions may apply.)
For significant damage, Trustmark will help monitor the repairs to your home.
For many situations – including property damage over a certain amount, or if a loan is not current – we’ll monitor the progress of repairs to your home. We’ll work with you to ensure your property is restored to its original condition. This process also protects you from potential fraud and/or incomplete repairs.
Endorse the insurance check to Trustmark
For property repairs that we monitor, you’ll need to endorse the insurance claim check and send it to us. When you call us, we’ll give you important information on how to sign and send the check to us.
Gather documents to begin the repair process
Once we have reviewed your specific situation, we’ll guide you on contacting a licensed contractor and gathering information to start the property repairs. This will include collecting the below documents, but not limited to:
• Insurance Claim Check (will need to be endorsed by all parties on the check)
• Insurance Adjustor's report
• Contractor's estimate
Pay the contractors
In most situations, we’ll send the repair checks payable to you and the contractors you hire. This process helps protect you from potential fraud or incomplete repairs. If your loan is current, payments are made in increments during the process.
Disaster Assistance and Property Damage - Tips for Choosing a Contractor
Tips for choosing a contractor
The following tips will help you find a reliable, licensed contractor.
Do your homework
Ask your family and friends for referrals or contact your local chapter of the National Association of the Remodeling Industry. Look for contractors who are:
• Established in your area with the Better Business Bureau
• Licensed and/or bonded according to your state’s requirements
• Fully insured with proper certification
• How long have you been in business?
• What similar projects have you done recently?
• May I have a list of referrals and suppliers?
• Will you be on-site to supervise the repairs?
• Do you have regular employees or subcontractors?
• How long will the project take?
Get bids in writing from at least 3 contractors. Carefully review any bid that’s a lot lower than others – it may be missing items or have mistakes.
Financial hardships and payment help
Disasters don’t only hit homes. A disaster can affect your financial situation as well as your home by damaging your workplace or causing a drop in your income. If you experience any financial hardship due to a disaster or property damage, we may be able to help with flexible mortgage payment and other options. Please call us at 1-888-309-9887 or 1-866-229-1656
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