Each year from June through November, hurricane season poses a unique threat to coastal communities across the United States, and to the mortgage portfolios connected to them. While homeowners brace for wind, water, and uncertainty, lenders must prepare for the financial ripple effects that may follow. Storm damage can disrupt lives, delay payments, and put entire neighborhoods at risk of long-term recovery challenges.

At LoanCare®, we understand that hurricanes don’t just impact homes—they impact reputations, investor performance, and borrower trust. As your subservicing partner, we’re here to help you prepare, respond, and recover. Safeguarding your portfolio while delivering high-touch, compassionate support to your borrowers when they need it most.

 

More Than a Natural Disaster, A Strategic Risk. Why Hurricane Preparedness Is a Lender Priority

For mortgage lenders, hurricanes present a convergence of risk:

  • Property damage puts collateral at risk.
  • Income disruption can trigger delinquencies and forbearance requests.
  • Federal and investor scrutiny rises around how homeowners are supported.
  • Customer experience is tested during high-stress moments.

Without a coordinated disaster response plan, lenders risk financial exposure and reputational damage. That’s why having the right subservicing partner is essential. At LoanCare, we serve as an extension of your brand, delivering the operational readiness and regulatory expertise required to respond quickly, consistently, and with care.

 

Proactive Storm Monitoring and Risk Assessment

Our support begins before the storm hits. The LoanCare team monitors weather patterns in real time, mapping active storm paths against borrower geolocation data. This proactive approach enables us to:

  • Identify loans located in FEMA-declared disaster zones
  • Prioritize communication efforts to borrowers in high-impact areas
  • Coordinate with clients to prepare loss mitigation strategies in advance

By anticipating potential impact, we help you mitigate risk early before borrower distress turns into delinquency.

 

High-Touch Borrower Outreach and Support

In the critical hours before and after a storm, timely, personalized communication is essential. LoanCare works with you to rapidly deploy targeted borrower engagement efforts to provide reassurance, resources, and relief. Our borrower outreach strategy includes:

  • Direct communication with affected homeowners
  • Safety and emergency planning guidance
  • Support navigating insurance claims and documenting damage
  • Clear explanation of available hardship relief programs, including forbearance and payment deferral

Borrowers can also access our 24/7 LoanCare portal to review account information, submit requests, and communicate with our team anytime, anywhere.

 

End-to-End Loss Mitigation and Compliance Management

Recovery doesn’t end when the storm passes. LoanCare manages the entire post-disaster servicing lifecycle, helping borrowers resume payments while protecting your investor relationships and regulatory standing.

Our loss mitigation process includes:

  • Initiating and tracking forbearance plans
  • Coordinating insurance claims and escrow disbursements for repairs
  • Managing payment deferrals or modifications as needed
  • Supporting homeowners through repayment and resolution

Throughout the process, our teams ensure compliance with GSE, FHA, VA, and CFPB guidelines so you can be confident your portfolio is protected from both financial and regulatory fallout.

 

Transparent Reporting and Partnership Visibility

Lenders rely on timely, accurate data to make strategic decisions during times of crisis. That’s why we provide transparent reporting throughout the event lifecycle. You’ll receive regular updates on:

  • Number and location of impacted loans
  • Forbearance enrollments and borrower status
  • Insurance claim status and escrow activity
  • Regulatory updates and investor guidance

We help you stay audit-ready, investor-aligned, and fully informed so you can make proactive decisions in real time.

 

Building Borrower Confidence and Resilience

When homeowners feel supported, they’re more likely to engage with their servicer and follow through on next steps. We partner with you to develop white-labeled email and letter campaigns to equip your homeowners with practical tools before, during, and after a disaster. This can include:

  • Hurricane preparedness checklists and emergency contact plans
  • Tips on reviewing and updating insurance policies
  • Guidance on recovery resources and assistance programs
  • Continuous access to live support and digital self-service

Informed borrowers are better equipped to protect their homes and their ability to repay.

 

A Partner That Helps You Weather the Storm

At LoanCare, we don’t just manage servicing, we help you manage risk, relationships, and reputation. Hurricane season readiness is a critical part of our broader disaster response strategy, designed to help you:

  • Protect property and reduce delinquency risk
  • Support homeowners with care and speed
  • Stay aligned with evolving regulations and investor expectations
  • Maintain your brand’s trust—even in the toughest moments

Let’s work together to build resilience, reduce risk, and deliver the support your borrowers count on when it matters most.

Contact Us to learn more about our disaster response capabilities.