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Disaster Relief Information

If you have experienced property damage or are having difficulty making your payment due to a recent natural disaster, we are here to help. Call us at (800) 495-7166 to discuss any damage to your property or options that may be available to you.

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Here at Fay Servicing, we understand the challenges you’re facing after the recent natural disasters, and we’re here to support you every step of the way. Our team is ready to provide the assistance you need to recover and rebuild.​​

Steps to Filing a Claim

1.) Opening the Insurance Claim

  1. Contact your homeowner’s and/or flood insurance provider.

  2. Report the damage, determine your coverage and file a claim.

  3. If you have flood damage and have flood insurance, you’ll need to call that insurance provider as well.

  4. You can also visit the FEMA website for help on How to Fill Out Your Flood Claim: https://www.floodsmart.gov/how-do-i-start-my-flood-claim.

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2.) Tracking the Claim

  1. If the damage is covered, your insurance provider will assign an adjuster. The adjuster will come to the property to assess the damage.

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3.) Claim Decision

  1. If the damage is covered and the claim is approved, the insurance company will provide a check for the proposed damage. Please see the next steps:

    1. The check will be made out to you and Fay Servicing. You will need to endorse the Insurance Claim Check and send to us along with the Insurance Company Adjuster’s Worksheet (our Loss Draft Team will provide any additional details).

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Regular Mail: Fay Servicing, LLC c/o PLP

Attention: Loss Draft Department

PO Box 7045

Troy, MI 48007-7045

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Overnight Mail: Fay Servicing, LLC c/o PLP

Attention: Loss Draft Department

700 Tower Drive, Suite 400

Troy, MI 48098

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2. Register your claim with us at https://www.myinsuranceportal.com/C3143841. This will allow you to view claim details anytime during the process.

3. Or contact the Insurance Department Loss Draft team directly at (888) 675-5939.

4. Continue to work with our Loss Draft Team for additional steps.​

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4.) Uninsured Losses

  1. If you do not believe you have insurance coverage on your home or you have been notified by Fay Servicing that they have placed you on their lender placed policy, please contact the Lender Placed Claims department at 1-800-424-8828 and select option 4 to speak with a claims representative. 

  2. You can also file your claim online using the link link below: https://proctorlp.com/client-center/submit-a-claim/lender-placed-hazard-or-flood-claims/

Steps to Request Payment Assistance

1. Call us as soon as possible at (800) 495-7166 to advise of your impact and hardship. We will guide you through any options that may be available for disaster relief.

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2. Clearly state you were impacted by a natural disaster and need assistance. Provide any necessary details about your situation to help us understand the extent of the impact.

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3. If you are eligible for a natural disaster forbearance, we will advise the specifics. You can review our Forbearance FAQ section below for more information.

 

4. Continue to follow up with us during the period of disaster impact or as your situation changes to ensure we are ready to assist you however necessary. If specific to the insurance claim, please reference the loss draft phone number provided above to keep our team informed of any potential challenges or changes.

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By taking these steps, you can ensure that you receive the appropriate assistance and avoid any negative impacts on your credit during this difficult time. In addition, for those who were significantly affected and require more long-term assistance after the forbearance, they may request formal loss mitigation assistance (https://www.loansolutioncenter.com/).

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Also, if you have been temporarily relocated or there are postal delays in your community, please take advantage of our website or our self-serve options (Fay Servicing: Personalized Mortgage Loan Servicing Solutions).

 

Additional Assistance: Please visit the following site provide by Springfour, to see available assistance in your local area (https://www.fayservicing.com/get-help).

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Federal Emergency Management Agency (FEMA)

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You may be eligible for assistance from FEMA for your uninsured housing needs. To confirm if you are in a FEMA declared disaster area for individual assistance, visit the FEMA website at www.DisasterAssistance.gov or you can call (800) 621-FEMA (3362). Not sure of the difference between individual assistance and public assistance? Go to  https://www.fema.gov/assistance.

Forbearance FAQ

Depending on your loan type and loan status at the time of the national emergency declaration, you may be eligible for a short-term forbearance.

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What is a forbearance plan?

A forbearance plan temporarily suspends your need to make timely payments for the “Forbearance Period.” This program is designed to provide temporary relief for a short-term hardship.

 

Are late fees charged during the forbearance period?

During the forbearance period, we will not charge late fees nor report negative information to credit bureaus.

 

Can I still make payments during the forbearance period?

If at any point during the forbearance period you are able to resume making full or partial payments, although you do not have to, you are encouraged to do so as this will reduce any delinquency that would otherwise accrue during the forbearance.

 

What do I have to pay when the forbearance period ends?

Any payments not made in accordance with the contractual terms of your loan during the forbearance period will become due and payable at the end of the forbearance period.

 

What if my financial hardship lasts for longer than the forbearance period?

If at the end of the forbearance period you continue to experience a financial hardship or are unable to resolve the delinquency that accrued during the forbearance period, you may apply for loss mitigation assistance by visiting the Loan Solution Center to apply online or by contacting us at 1-800-495-7166.

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