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California Wildfire Assistance: General Information

Several wildfires are burning across the state of California. If your home is in one of the impacted areas you likely have many questions, HomeStreet Bank is here to help. Please review this information and contact us at the numbers below with any questions or concerns. 

These are the general steps to take if your home has been impacted:

1. Contact your insurance company if you have property damage. 

Your first step is to contact your insurance company and file a claim. Find out when an adjustor is available to inspect the property, and when to expect claim checks. You will also want to inquire as to what benefits are offered in the event you need to find alternative housing.

2. Call HomeStreet Bank's Loan Servicing Customer Service Department toll free at 1-800-237-3194

Our hours of operation are Monday through Friday, 8:00 am to 5:00 pm Pacific Time. If you are not able to reach us during these hours, you can also email us at loanservice@homestreet.com and advise us of the best method and time to arrange a call. 

We will provide you with important details on how to process your claim checks. We will also discuss how HomeStreet may assist as you work to restore your home. We are here to help no matter how small or how large the property damage is. 

3. Receive the insurance check and begin the repair process.

When you receive your insurance check you will notice that HomeStreet is also named on it. As the servicer of your loan we are tasked with ensuring the property is fully restored. Notify us as soon as you receive your check and we will work with you on the next steps to move forward with the repairs. 

4. If you have significant damage, HomeStreet will work with you and monitor the repairs to your home. 

Generally, with property damage of $20,000 or more, or if your loan payments are not current, we will work with you to explain the next steps to move forward with the repairs, and monitor the progress of the repairs until they are complete. Please contact our Loan Servicing Customer Service Department toll free at 1-800-237-3194 and we will work directly with you and explain the steps needed on the initial phone call. 

5. If you have financial concerns as a result of this disaster. 

If you have concerns about making your loan payments, contact one of our dedicated Loan Counselors at 1-844-544-9071. If you are having financial difficulties we will look for ways in which we can help, from flexible loan payment options, or other aid. With a simple phone call we can generally provide you with important information about possible loan payment options. During this time we will waive assessments of penalties or late fees against borrowers with disaster damaged homes, and suspend credit reporting of any forbearance granted or delinquencies caused by the disaster. 

In the event you are a homeowner residing in a presidentially-declared disaster area, there will likely be federal aid available. You might want to visit the following websites for information specific to your area: Federal Emergency Management Agency at www.fema.gov or United States federal government’s disaster assistance website at www.disasterassistance.gov

6. You may want to contact your local tax assessor and request that your taxes be lowered while you rebuild.