Home repairs can be costly and unexpected, but having insurance can provide a sense of relief and protection for homeowners. One of the most important aspects of having home insurance is understanding how to file a claim for repairs. In this post, we will discuss the process of making an insurance claim for home repairs and what you can expect when working with your insurance company and Robbins Construction. Let’s learn all about insurance claims!
Once you have determined that your damage is covered, you will need to contact your insurance company and file a claim. This can typically be done online or over the phone, and you will be asked to provide details about the damage and when it occurred. You may also be asked to provide pictures or videos of the damage, and to keep any receipts or estimates for repairs.
After you have filed your claim, an insurance adjuster will likely be sent to your home to assess the damage. They will take their own pictures and may ask you additional questions to determine the extent of the damage and the cost of repairs. Once the adjuster has completed their assessment, they will provide you with an estimate for repairs.
It is important to keep in mind that the insurance company will only cover the cost of repairs up to the limits of your policy. If the cost of repairs exceeds your policy limits, you will be responsible for paying the difference. Once you have received an estimate for repairs, you can begin the process of finding a contractor to do the work. You have a choice in whom you choose to make the repairs. Homeowners always have the choice!
At Robbins Construction, we ensure your process is as smooth as possible. We know how stressful and upsetting it is to have your home damaged, we want to make sure the restoration process is not a stressful time for you. You have a say in who you choose to make these repairs!
There’s a few questions and tips we’ll want to communicate before we move forward.
We don’t write the insurance estimate, this will be done by your insurance adjustor. They should write the estimate, then we’ll be happy to look at the repairs and make sure we can do the work for the amount estimated or write our own estimate for the repairs. Your insurance company will most likely cover restoration costs, if you’re interested in further remodeling, some of this cost will come out-of-pocket. But what a great opportunity to get those updates you’ve been looking for!
There’s a few questions and tips we’ll want to communicate before we move forward.
- Has the leak been fixed? The leak must be fixed before we can help. We recommend River City Plumbing! You can contact them here.
- Have you had water mitigation done? This needs to be scheduled before we can help. We have mitigation companies we trust we can refer you to!
- We don’t write the insurance estimate, this will be done by your insurance adjustor. They should write the estimate, then we’ll be happy to look at the repairs and make sure we can do the work for the amount estimated or write our own estimate for the repairs.
- Your insurance company will most likely cover restoration costs, if you’re interested in further remodeling, some of this cost will come out-of-pocket. But what a great opportunity to get those updates you’ve been looking for!
When the repairs have been completed, you will need to provide the insurance company with proof that the work was done. They will then release the full proceeds of the insurance claim and send you a check minus any deductibles.
In conclusion, filing a claim for home repairs can be a complicated process, but understanding the steps involved and working closely with your insurance company can make it a little less stressful. Remember to check your policy for coverage, gather all the necessary documentation and keep in mind the policy limits, and see if Robbins is the right fit for you. With the right preparation and understanding, you can ensure that your home is repaired quickly and efficiently. We hope you learned all about insurance claims with us today!
