I live in Panama City Fl. And after hurricaine Micheal came through we were devastated. I later heard on the radio that when a natural disaster hits like Micheal did. That people that were impacted from the storm are given a 3 month grace period. I called SLS and asked whoever it was that answered if that applied to our mortgage pymt. as well. And he curtly replied no it didnt. Now its been almost a year and almost 3 months behind in my bills And SLS has been less than helpful.