If you have been affected by the wildfires and have a first mortgage with us, here’s what to do next:

Step 1 – File an Insurance Claim
Your insurance company will assign an adjuster to assess the damage to your property and provide you with an Insurance Adjuster’s Report. You will then receive a claim check to cover the damages.

Step 2 – Contact Our Mortgage Servicer
Once you receive your insurance claim check and the Adjuster’s Report, contact USC Credit Union’s mortgage servicer, Midwest Loan Services, at 1-800-262-6574. They will explain the process and fund management. Depending on the extent of your home’s damage, funds may be sent directly to you or retained by Midwest Loan Services for disbursement as repairs progress.

To facilitate the release of claim proceeds, you must submit the following documents to Midwest Loan Services:

• Insurance Adjuster’s Report
• Member Declaration
• Additional documents, if required

Step 3 – Complete Repairs
Be sure to keep track of your expenses and save all receipts for submission during the review process. Midwest Loan Services will periodically check the status of your repairs and may schedule a mid-point inspection. Please contact them once the repairs are completed. If a final inspection is necessary, they will provide you with scheduling details. Once the repairs are completed, confirmed, and all required documentation has been submitted, Midwest Loan Services will release any remaining funds to you.