I am 70 years old and not in good health and do not know what to do to get my problem solved.
My home was damaged by Hurricane Irma
Damage estimate: $7500
My deductible was high: $13,200
So I will NOT be getting any money to make repairs. I am on SS and do not have the money to make ALL the repairs listed by the insurance adjuster at one time. I have made a few - Like clearing the trees and replacing broken windows
I then received mail from my mortgage company who holds the escrow account for my insurance premium payments which are due mid November. They said they will hold my insurance premium (due mid Nov) until the repairs are made.
Again I can NOT make all the repairs right now and the premium is due in two weeks and IF they don't send the premium payment to the insurance company they will cancel me and that will cause even more problems: getting new insurance etc etc.
I applied to FEMA but they said they do NOT cover the type of damage and only deal with personal property (??). They referred me to the SBA to get a loan to repair the damage but that was denied for poor credit rating.
Please someone give me solid advice as TO get this resolved.