The Houston Black Real Estate Association
HBREA Crisis Resources
Mortgages with Wells Fargo
Thank you to our partner Wells Fargo for supporting those affected by Hurricane Harvey. If you have been affected by the storm and have any type of loan with Wells Fargo reach out to them to see if your payments can be deferred.
1. Call your mortgage company, car loan company, student loan & credit card companies. Ask for a 3 month reprieve from payments. There should be no late fees assessed. They will work with you. You may need the money to get back on your feet.
2. Take lots of photos. Call the insurance company asap. Get them to start your claim now. Anything under water is covered. Exception would be items that can be washed or stone counter
tops. But laminate counters can be claimed because they are wood.
3. USE A LOCAL CONTRACTOR!!! Lots of con-artists will try to take advantage. Get estimates from a contractor for repairs. You don't need to use that contractor, but the home owner insurance company needs them. (psst - the higher the better)
If it has a plug or an outlet and it was under water, DO NOT USE IT. Water and electricity do not mesh. Those outlets will corrode over time and house fires start - even in the future. Especially if this was salt or brackish water. Salt will corrode the wiring and outlets faster. And BX corrodes faster than Romex.
4. Wear an N-95 mask any time you are indoors in a house that was flooded. I contracted bacterial and fungal pneumonia from Sandy. I was on prednisone for 2.3 years. I gained 90 lbs from prednisone. Otherwise I could have been in the hospital for a few weeks to a month.
5. Empty your home quickly of items that are destroyed. If it has a plug, it is toast. If it runs on gas or electricity and was under water, it is trash. Cut drywall to 4' (the width of drywall.). It saves time and money when you are replacing it. Don't do it like on HGTV. No sledge hammers needed. Draw a line 4' above the floor. Cut with a razor blade. Put one hole in the wall and grab and pull. Hopefully you have drywall nails in there and not screws. Remove insulation from that same area. Feel above for dampened insulation. If it is damp, go 2' more up. Once you are sure you have all the wetness gone and are down to the studs, spray with bleach. You don't want mold to grow. Make sure your windows are open.
6. Solid wood furniture? Spray with bleach or Wet and Forget from Home Depot type stores. Bleach is less expensive.
7. Everything will mold or mildew if not treated. It is not worth your health in the long run.
8. Expect that this will take 3 months on average to fix. From the time you begin tossing things out to the final paint coat.
God bless you all and be safe..
Clarification from the Texas Association of Realtors regarding September 1 - Homeowners Insurance Law
HUD Announces Disaster Assistance for Victims of Hurricane Harvey
Freddie Mac has not only suspended foreclosures of properties of those affected by Hurricane Harvey but also have put in place loan deferment programs see one of the links below for more information.
Resources for those in need are listed below.
Houston Association of Realtors, Cindy Hamann, HAR Chair of the Board has provided the below link for additional information concerning assistance and Texas Realtors Disaster Relief Fund.
This information is as of 9-1-17
When the Unexpected Happens. Click oo)Here(oo
If you have a home available on a temporary basis (for rent or for free) for someone displaced by Hurricane Harvey, please make sure to post it here.
Free uniforms for HISD students
See information below