An earthquake destroyed their home days before Christmas. They still have to pay the mortgage

– An earthquake destroyed a family's home days before Christmas.

– The family still has to pay the mortgage on the home, even though it is uninhabitable.

– The family filed an insurance claim, but the insurance company has not yet paid out the full amount of the claim.

– The family's mortgage lender has not been willing to modify the mortgage payments or defer them for a period of time.

– The family is struggling to make ends meet, as they are now paying rent for temporary housing and are also responsible for their other living expenses.

– The family is seeking help from FEMA and other disaster relief organizations, but they have not yet received any financial assistance.

– The family is reaching out to their community for support, but they are finding that there is limited help available.

The family is facing a very difficult situation, and it is important for them to remember that they are not alone. There are many resources available to help them through this difficult time. 

Here are some things that the family can do:

– File an insurance claim. If they have homeowners insurance, they should file a claim as soon as possible. The insurance company will assess the damage and determine how much they will pay to repair or rebuild the home.

– Contact their mortgage lender. The mortgage lender may be willing to work with the family to modify their mortgage payments or defer them for a period of time. They may also be able to provide financial assistance to help the family cover their living expenses while they are displaced from their home.

– Seek help from FEMA or other disaster relief organizations. FEMA (Federal Emergency Management Agency) may be able to provide financial assistance to help the family with their immediate needs, such as temporary housing, food, and clothing. Other disaster relief organizations may also be able to provide assistance.

– Reach out to their community for support. The family may want to reach out to their community for support. There may be local organizations that can provide financial assistance or other forms of support. They may also want to reach out to friends and family for help.

It's important for the family to remember that they are not alone. There are many resources available to help them through this difficult time. 

Thank you