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Disaster Assistance and Property Damage – Steps For Insurance Claims And Property Repairs

These are the general steps we take for property insurance claims. Your individual situation may differ.

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

Your first step is to contact your insurance company and file a claim with them. Find out when an adjustor will come and when to expect any claim checks.

To avoid delays, clarify with the insurance company how the check will be made out:

  • If there is an outstanding mortgage or home equity loan, the servicer’s name should be listed as a payee. If the loan was paid off, the servicer’s name shouldn’t appear.
  • If a borrower listed as a payee can’t sign the insurance check, call us for information about the documentation we’ll need to proceed.

Step 2. Call us at 1-888-818-9147 (Mortgage) or 1-866-355-1540 (Home Equity) after you file a claim

We'll provide you important details on how to process your claim check. We'll discuss how Wells Fargo will be involved in the process to restore your home

If you’re still having financial difficulty at the end of the disaster assistance, we’ll discuss how to complete a confidential review of the options to help with payment challenges.

No matter how significant your property damage — even with a complete loss of your home — we’ll work with you to review all of your options.

For help after the disaster assistance ends, please contact us at:
Mon – Fri: 7 am – 10 pm
Sat: 8 am – 5 pm
Central Time

Step 3. Endorse the insurance check and start the repair process

When you receive your insurance check, you'll notice that Wells Fargo is named on it. As the mortgage provider, we have a financial interest in ensuring your property is restored. Notify us as soon as you get your check, or visit our insurance claim check websites. We will give you the information you need to move forward with repairs.

For most minor damages, we'll endorse the insurance check to you to manage the repairs

Generally, if your home has only minor damages — and your loan is current — we won't need to oversee the repair process. Instead, we'll endorse the check completely to you to manage repairs. (Other conditions may apply.)


For significant damage, Wells Fargo will help monitor the repairs to your home.
Learn more