{"id":33545,"date":"2017-12-18T14:40:50","date_gmt":"2017-12-18T14:40:50","guid":{"rendered":"https:\/\/one.sightlinemg.com\/marinecorpstimes\/uncategorized\/2017\/12\/18\/what-va-loan-users-should-do-when-natural-disasters-strike\/"},"modified":"2026-08-08T02:57:22","modified_gmt":"2026-08-08T02:57:22","slug":"what-va-loan-users-should-do-when-natural-disasters-strike","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/marinecorpstimes\/va-loan-center\/2017\/12\/18\/what-va-loan-users-should-do-when-natural-disasters-strike\/","title":{"rendered":"What VA loan users should do when natural disasters strike"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">You may be thousands of miles from recent floods, hurricanes and wildfires, but there\u2019s no guarantee the next natural disaster, or the one after that, won\u2019t hit close to home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are specific steps homeowners with VA-backed loans should take if their dwelling is affected by any type of disaster. The full list is available at the VA website (<a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/documents\/docs\/va_policy_regarding_natural_disasters.pdf\" target=_blank>PDF<\/a>), but here are the high points:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>1. First step: FEMA. <\/b>VA loan or no, it\u2019s imperative to <a href=\"https:\/\/www.disasterassistance.gov\/\" target=_blank>register for disaster assistance<\/a> via the Federal Emergency Management Agency before any deadlines expire. Check <a href=\"https:\/\/www.disasterassistance.gov\/\" target=_blank>FEMA.gov<\/a> for full details.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>2. VA-specific help. <\/b>Individuals whose homes were modified through VA\u2019s Specially Adapted Housing program may qualify for grants to help cover repair costs. Those who may have trouble covering their mortgage payments as a result of the disaster also may be eligible for aid. Members of both groups can call 877-827-3702 for information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>3. Address changes. <\/b>If you\u2019ve been forced out of your home for any substantial period, tell your <a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/contact_rlc_info.asp\" target=_blank>regional VA office<\/a> to ensure benefit checks and other information will reach you (in addition to notifying the post office).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>4. Paperwork update. <\/b>If the property you intend to buy with your VA loan was appraised prior to the disaster, but the loan hasn\u2019t closed, your lender will need to update the VA guaranty request. Details are <a href=\"https:\/\/www.benefits.va.gov\/HOMELOANS\/documents\/docs\/va_policy_regarding_natural_disasters.pdf\" target=_blank>here<\/a>. Loans that closed prior to the disaster declaration aren\u2019t affected.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Get more disaster-preparation advice from Military Times <a href=\"https:\/\/www.militarytimes.com\/pay-benefits\/mil-money\/2017\/09\/05\/disaster-prep-from-finances-to-evacuation-plans-how-military-families-can-stay-ready\/\" target=_blank>here<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>From insurance to address changes, what needs done as the dust settles.<\/p>\n","protected":false},"author":7,"featured_media":66646,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":28,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[9,28],"tags":[],"coauthors":[810],"class_list":["post-33545","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-hq","category-va-loan-center"],"acf":{"subheadline":"","legacy_arc_id":"ZRK4HQZ6DNCVZHSO4VDQKFC7ZQ","arc_canonical_url":"\/home-hq\/va-loan-center\/2017\/12\/18\/what-va-loan-users-should-do-when-natural-disasters-strike\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"home-hq-layout","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - 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