Natural disaster recovery
Learn about what to do after a natural disaster and how to help protect your property and finances in the future.
Let us help you get on the road to recovery.
Video Duration: 1 minute 32 seconds
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USAA is determined to help you on your road to recovery. That means our commitment to you doesn't end after your claim is closed.
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Here are some things to consider as you rebuild and ways you can be more financially prepared before the next disaster hits.
If you're having to replace a vehicle or rebuild your home, be sure to understand the total cost of ownership. Look beyond that monthly payment and consider other factors, like the interest rate and the cost of insurance.
If you're rebuilding, be cautious when hiring contractors. Get multiple bids. Make your contractor produce a license. Be wary of anyone asking for money up front.
Look out for contractors who offer very low bids, which could be a sign of fraud or someone who's going to do low-quality repairs. Remember, the money you get from an insurance claim is supposed to help ensure that your covered damages can be repaired properly.
You may want to consider strengthening your roof with a sealed roof deck. It can help keep water out of your attic and off your ceiling.
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You also want to be more financially prepared for the next catastrophe. Stash some savings away in an emergency fund. You don't want to be dependent upon credit cards to get you through a recovery.
Now is also a great time to check your insurance coverages to make sure you're protected in case disaster strikes again.
USAA is here to help you recover and build financial strength. You can learn more on this page.
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Initial steps after a natural disaster
If you’ve been affected by a natural disaster, here’s what you can do to get back on your feet.
Check claim status
You can check your claim status and send messages, photos, and documents to your adjuster from your mobile device or computer.
Protect yourself from fraud
When you’re rebuilding after a natural disaster, it’s important to be aware of potential contractor fraud.
Protecting your home for the future
Going through a natural disaster once can be difficult. These resources can help you prepare your family and home in case there’s another one.
Home upgrades
Check out suggested upgrades you can make to better protect your home, from quick fixes to larger changes.
Wildfire protection
Installing a mesh grate over your attic vents is one of several ways to prevent embers from entering your home.
Water damage prevention
Seal your roof deck to help protect your home from water damage. According to the Insurance Institute for Business and Home Safety, sealing your roof can cost as little as $500.
Roof improvements
Your roof is often your first line of defense against severe weather. Here’s what you should consider if you decide to weatherproof your roof.
Find out how the American Red Cross can support you.
The Red Cross has been providing humanitarian aid since 1881. Reach out to them at 800-733-2767. Or check out how the Red Cross can lend a hand.
Mental health services
Mental health volunteers, specializing in emotional support after a disaster, travel to disaster sites to help people cope.
Financial assistance
The Red Cross provides emergency financial assistance and long-term financial help after disasters.
Health services
Health workers provide first-aid treatment, monitor people in shelters, or replace prescription medications or glasses.
Distribution of emergency supplies
Red Cross kits contain personal items like a toothbrush and shampoo as well as emergency supplies like tarps and trash bags.
Getting back to normal
Explore steps you can take to move forward after a disaster.
Start your recovery
Find out where to begin to help return your life to normal, from filing a claim to hiring the right contractor.
Prepare your finances
If disaster strikes again, you can be ready. Get advice on how to build an emergency fund, review your coverage and more.
Review your coverage
Check the details on your current policies to make sure the coverage you have still fits your needs.