When it comes time to file your homeowner’s insurance claim, you need to use a licensed contractor with the proper expertise to take care of the repairs on your home. Your insurance company can often recommend a contractor, but you may want to find one on your own. We are sharing some thoughts and tips today to help.
You should expect your contractor to provide you with: A written estimate that details costs of materials, labor, and the type of work to be done; a general time frame the work will be completed within; their license number, the number of their liability insurance policy, and the amount of insurance they carry; their years of experience; and a guarantee of their work.
Contractors will typically guarantee their work for a specific period of time, and during that time they will come back and make repairs at no additional charge. If you use the contractor your insurance company chooses, then your insurer should guarantee the work themselves. No matter which way you go, make sure to get all guarantees in writing!
Once your insurance company has determined the costs necessary to repair your property, your general contractor may need to negotiate the price with your insurer. If they cannot come to an agreement you may end up paying the difference.
If, during the repair work, your contractor suggests an upgrade, make sure you fully understand your insurance coverage before work is started. Any work done beyond restoring the property to its previous condition may be liable for the difference in costs. Upgrades may be necessary to bring your home up to current building codes, and your general contractor can be a big help here by working with your insurance agent to ensure that you have proper coverage.
Many of us like to do things ourselves, but when it comes to filing a homeowner’s insurance claim for damages, you need to make sure the work is done correctly and is up to code. Hiring a contractor with the necessary knowledge and skills will be a smart idea. Our team here at Ascension General Contractors we are full-service repair specialists, and we can help you with the repairs you need. Call us today!
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