Often in life, we can be sailing along just going with the flow, when the next minute – out of the blue comes a shock situation that completely blindsides us. Below are some of the most stressful things that can happen to a homeowner as well as what to do in those circumstances. Hopefully, you won’t find yourself in any of these but it is good to know what to do just in case.

Suddenly suffering a disability

It could be a work accident or sudden illness, but whatever the cause, suddenly finding yourself disabled is a very traumatic thing to have to go through. You are likely to need to apply for benefits, however, many people also find themselves looking for a lawyer for social security disability appeal advice – as many initial claims are rejected.

Therefore, not only is it emotionally difficult to find yourself with a disability – and, of course, physically – but it is extremely worrying to think that if you cannot work or get the right financial support, you could lose your home.

The best thing to do is get a strong case to put forward for your claim for benefits straight away. Seek legal advice to help you create the best case possible and don’t give up – expect that it will be a tough process, but keep going with it. You need to be persistent and also put together a waterproof back up plan for savings and ways you can save money to support yourself in the meantime.

There are likely to be plenty of ways you can get other types of help if you are disabled, such as tax breaks, store discounts, reduced travel fares and help towards heating and food too. So, get in touch with your local benefits advice group or nonprofit that specifically focuses on your condition, as they will have some financial tips for you as well.

Splitting from a partner

A relationship breakdown can be painful enough without the added complication of dealing with who gets the house on top of that. The unfortunate thing about homeownership if that much of what is determined following a break up is based on the decisions they made when they purchased the property.

So, this means that whichever road a couple decided to go down in terms of how they signed up to buy the house and split the mortgage will then determine who has the right to it. Sadly, however, many people don’t deal with this side of things practically as they are scared of appearing distrustful or disrespectful towards their partner when in happier times.

However, further down the line, should the relationship break down, it makes it much more difficult to keep both parties happy as it is crucial to simply work out who has the most rights. If you can set up a legal agreement from the start, it is extremely advisable to do this. If you are further down the line and it is too late, then you may need legal advice to determine whether you are in a community property state or not.

A natural disaster hits your home

When the unexpected happens and your home is hit by a horrendous freak of nature, it can be hard knowing where to turn. What are you entitled to when it is an accident caused by nobody in particular except Mother Nature?

However, there are several steps you can take, including first of all getting in contact with emergency services, then your insurance provider and finally, your mortgage company.

You may also be entitled to a mortgage forbearance if you find yourself unable to keep up with your mortgage repayments. This means you may be able to stop paying your mortgage for an agreed-upon time. Hopefully, this will then give you enough time to be able to get back on track and recover your home from the damage to the property.