Disaster Assistance

We're here to help you in your time of need when you are impacted by natural disasters.

When a natural disaster, like a hurricane strikes, it can impact you in ways you never imagined. If that happens, national organizations like these may be able to help with some of your basic needs.

For Shelter, Food, Water or Medical Assistance:

American Red Cross1-800-733-2767
United Way:  2-1-1

For Housing Assistance:
FEMA: 1-800-621-3362

For Additional Disaster Information:

Disaster Recovery - A Resource for Homeowners: 

This guide outlines homeowner disaster preparedness and steps to recovery including who to communicate with about your mortgage, how to navigate the insurance process, and what forms of aid and disaster loans are generally available.

Disaster Loan Assistance

The SBA offers disaster assistance in the form of low interest loans to businesses, nonprofit organizations, homeowners, and renters located in regions affected by declared disasters. SBA also provides eligible small businesses and nonprofit organizations with working capital to help overcome the economic injury of a declared disaster.

The SBA has strict Application Filing Deadlines set for each FEMA Declared event.  If you are interested in the program, be sure to submit your application in a timely manner.

For more information on SBA disaster loan assistance click here

How M&T can help - Disaster Relief Forbearance Plan.

If you state you are impacted by a disaster, we can place your loan on a Disaster Relief Forbearance Plan which would allow you to temporarily suspend your mortgage payments for one or more months if you are unable to maintain your monthly payment. 

We are here to help you.

Please call us at 1-800-724-1633 for more information on next steps and eligibility requirements if you are interested in a Disaster Relief Forbearance Plan.

Please Note: The total amount of payments temporarily suspended will become due and payable at the end of the forbearance period. If your hardship is resolved after your forbearance, but you are unable to make these payments, we have several mortgage assistance options that may be available to you depending on the investor of your loan. You will not be required to make all of these payments at once at the end of your forbearance period.

For more information on these mortgage assistance options following the completion of a Disaster Relief Forbearance Plan, click here.


What Else M&T Will Do.

We offer assistance to customers in Federal Emergency Management Agency (FEMA) declared disaster areas.

M&T will:

  • Suppress or waive late charges for mortgage, loan and credit card accounts for a minimum of three months after FEMA declares the individual/public disaster areas.
  • Not report missed mortgage and loan payments to the credit bureaus for a minimum of three months after FEMA declares the disaster.

To find out if your county is eligible for assistance by FEMA, please visit FEMA.gov.

What to Do if Your Home Has Damage.

I have home damage. What now? Navigating home repair can be difficult. This downloadable PDF - Property Insurance Claim Process (PDF) - provides an overview of the steps you need to take on the journey to repairing your home. 

What You Can Do.

  • Update your contact information online so we may contact you, if needed
  • Call us as soon as you are able using one of the resource numbers above or below. We'll work together to build a plan.
  • If you've sustained home damage, reach out to your insurance company.
Property Insurance Claim Process Graphic

Additional Resources

Mortgage Customers


Home Equity Line of Credit Customers

  • If your home has sustained disaster-related damage, please call us at 1-800-724-6444, and then press "0" to be routed to the next available representative.
  • If you are behind in your payments and need assistance please reach out to us at 1-800-724-2224.


Installment Loan Customers

  • If collateral securing your loan has sustained disaster-related damage, please reach out to us at 1-800-724-2440.
  • If you are behind in your payments and need assistance please reach out to us at 1-800-724-2224.


Credit Card Customers

  • If you are behind in your payments and need assistance please reach out to us at 1-800-724-2224.

Common Property Insurance Claim Frequently Asked Questions

Contact your insurance company to report the claim. Your insurance company will send an adjuster to your home to assess your property damage, determine a claim settlement, and issue an insurance claim check.

Notify M&T of your claim by calling us at 1-888-882-1858 or 1-888-882-1847. We are available Monday – Friday 8:30 AM - 9:00 PM EST.

Depending on the loan requirements and claim amount, we may need you to endorse the check and send it in for deposit. 

You can either bring the check to an M&T branch or mail the check as following:

Mortgage Loans:

Regular Mail
M&T Bank Loss Drafts Dept.
P.O. Box 6501
Springfield, OH 45501

Overnight Mail
M&T Bank Loss Drafts Dept. 
One Assurant Way
Springfield, OH 45501


M&T Bank Loss Draft Dept. 
P.O. Box 1288
Buffalo, NY 14240

Due to investor guidelines, we are required to monitor the progress of repairs for large claims or for claims on delinquent loans. 

We will deposit your claim funds into a special account for your repairs. Claim funds are then released in three draws (checks). 

The first draw of funds will be released after all necessary forms,  insurance and/or contractor documents are received. 

When you and your contractor agree the work is 50% complete, for mortgage loans contact us at 1-888-882-1858 or  insuranceclaimcheck.com/mtbank; or for CHOICEquity (HELOC) call 1-800-724-2440 to request an inspection. The second draw will be issued after the inspection confirms the progress of repairs.  

When your repairs are about 95% complete, contact us to request your final inspection.  The third and final draw will be released once the inspection is complete and the work is confirmed to be 100% complete.

Expanded FEMA Disaster Recovery Assistance

Additional FEMA assistance may be available to those impacted by disasters declared on or after March 22, 2024.

Learn more about the disaster assistance program reforms to help survivors recover faster.

Learn more about the updates to the FEMA Individual Assistance Program.

Learn more about the updates to the FEMA Tribal Nations Individual Assistance Program.