October 19, 2022
If your home has been damaged in a hurricane, you may be wondering what the insurance restoration process entails.
Here's a quick overview of what you can expect.
The first step is to contact your insurance company and file a claim. Your insurance adjuster will then inspect the damage and give you an estimate of the repairs that need to be made. Once you have received the estimate, you will need to check with a licensed contractor to assure the estimate correctly matches the scope of work which is being written for.
It's important to note that most insurance companies will only pay for repairs that are up to code. This means that if your home needs any upgrades to meet current building codes, your insurance may pay for the upgrades, or in some cases, you will need to pay for those out of pocket.
Note: Most insurance companies will only pay for repairs that are up to code.
Once the repairs have been made, your contractor will submit a certificate of completion to your insurance company. You will then receive a final payment (minus your deductible) from your insurance company, to be paid to the contractor.
The insurance restoration process can be daunting, but it's important to remember that you are not alone. Your contractor (should you pick a good one) will be there to help guide you through every step of the process.
If you have any questions, be sure to ask your contractor or insurance adjuster, and if you need help finding a reputable contractor, don't hesitate to reach out to us. We're here to help!