Make sure you check your policy—even if you have "replacement"
coverage for your house (see Tip Six below), you may only get "actual
cash value" coverage for your home's personal possessions. A
decent insurance agent will let you know about this and suggest that you
buy an endorsement for your products under a replacement policy as well.
You are obligated to make reasonable efforts to protect your property under
each insurance. It's called "mitigating damages" in legalese,
and it's your responsibility. When a leaky roof or burst pipe is discovered,
it includes common-sense actions like covering the affected area with
a plastic sheet or cutting off the water.
Your insurance company will pay for these expenses if you file a claim.
Take images of the worst-case scenario prior to damage mitigation to help
support your claim.
All insurance policies require homeowners to report losses as soon as they
become aware of them. You can do this by contacting your agent via phone or email.
After that, you'll be asked to file a "proof of loss claim"
documenting your losses and the estimated amount of those losses. Preparing
a Home Inventory in the Event of Property Damage or Theft (which you should
have done before) is highly recommended. An adjuster from your insurance
company may not arrive for your claim until it's too late if you don't
get in touch with them right away.
There are several things to consider when negotiating with an insurance
company over a large claim. If you and the firm later argue about who
said what to whom and when, phone calls, emails, and letters can all be
significant pieces of evidence. Using a three-ring binder, keep all of
your phone calls and correspondence in one place. Include sections for
estimates, bills, permits, and repair contracts in your binder. If an
insurance company asks for a copy of an invoice or bid, don't hand
them the original.
It's a good thing that insurance companies must react to claims quickly.
In California, for example, they must send you a "notice of intentions"
within 30 days of receiving your claim. You are also entitled to reimbursement
throughout that time period if there is no controversy about your coverage.
Write to your insurance carrier (and consider attaching a copy to your
state's Department of Insurance) if you haven't heard from them
and believe they are dragging their feet too much. Once you've had
a serious accident or illness, insurance companies are less likely to
try to take advantage of you because everyone is watching them.
The "loss of usage" clause in your policy allows you to receive
reimbursement for living expenses you incur while away from home. Only
the difference between the cost of living at home today and the cost of
living at home in the future is eligible for additional living expenses.
This means you can only claim $100 if you used to eat most of your meals
at home and spent about $300 a week on groceries but now spend $400 a
week eating out.
When it comes to lodging costs, you'll almost probably be able to get
reimbursed for the entire amount. Your mortgage, taxes, and insurance
payments are still due even if you are no longer living at home. Paying
insurance premiums is covered in more detail in Tip Seven below.
What if you live in a house or an apartment with relatives or close friends?
Several evacuees have been doing so for a long time. It is unlikely that
you will be able to pay your hosts, but it is possible that your insurance
company will reimburse them for the cost of hosting you. Your hosts should
be able to answer any questions you may have concerning the room's
price and amenities. Prepare to negotiate with your insurance company
on this one. Maintain a decent degree of information. Make clear how much
more expensive it would be for the company if you had chosen the hotel
and restaurant options.
Rebuilding or repairing your house is covered under your homeowner's
insurance. It's possible to get an "actual cash value" policy,
which pays for the amount of money needed to restore your home or its
contents to their pre-fire market value—which may be less than the
cost of a high-quality rebuild, depending on the condition of the property
before to the fire.
"Replacement cost" coverage means that you are entitled to the
cost of replacing your home or other property up to a predetermined amount
in your insurance policy. If you have a "guaranteed replacement"
policy, you may be able to deduct the full cost of your reconstruction.
Rebuilding isn't required of you.
Rebuilding your home on a different site isn't necessary if you have
replacement coverage. Rebuilding in a new location is an option if you
prefer (if it costs more to build in Hawaii, you pay the difference).
Your "replacement" insurance will become an "actual cash
value" coverage if you decide to utilize the money for something
else, such as starting your own business or building a retirement fund
(you will receive around 15 percent less).
There must be a value estimate of the item or part's previous market
value or the cost of replacing it. According to the facts provided by
their own adjustors, your insurance provider will provide its own estimates.
They are paid by your insurance company, so they have an incentive to
persuade you to accept a quick settlement. These statistics are not mandatory
for you to accept.
An alternative is to contract with (and pay) an independent estimator to
conduct the work instead. The contractor you choose should be well-versed
in how insurance companies respond to frequent problems, in addition to
construction experience. It's critical that you and the insurance
company agree on the scope of the repair or replacement. Real cash value
policies require you to verify that the insurance company's offer
is a reasonable estimate of what a buyer would have paid for your home
right before the disaster struck before accepting the settlement (not
including the value of the land).
Even though it may seem silly to continue paying homeowners' insurance
premiums to protect severely damaged or destroyed property, ceasing payments
could be a costly mistake. Always keep in mind that your homeowner's
insurance covers everyone in your household, even your dogs. Consider
this if you're visiting your brother-in-law and your stressed-out
dog tears up a costly Oriental rug. law's
As a precaution, contact your insurance agent and request that the site
where you'll be staying be designated as a secondary location for
liability purposes. As soon as you discover damage to your house, you
should make a claim with your insurance company to have your policy's
structure coverage reduced and your premiums lowered.
As a result, you can expect your insurer to expedite the resolution of
your claim. The longer it's open, the more likely it is that you'll
discover a subsequent loss and file a claim. However, the stress of coping
with a catastrophe can lead homeowners to discover hidden costs that they
hadn't previously considered. Delaying the conclusion of your claim
for at least a few months will help you avoid this risk.
Accept a check from the insurance company confirming that you have accepted
payment "in full discharge" of your claim. If you don't
believe it, don't let it stand. Remove that phrase and then write
a letter to the company, thanking them for their check and stating that
you still have a problem with the scenario.
There is a possibility that even if you hire your own estimator or contractor,
your claim will not be resolved satisfactorily. A "public adjuster"
is an independent, licensed adjuster you hire to negotiate with the insurance
company on your behalf if that is the case. In most cases, you'll
have to pay the adjustor between 9 and 15 percent of the insurance company's
payout, but this can be well worth it if the adjustor successfully boosts
the payment significantly.
Drivers who have been in a car accident are at risk of having their insurance
premiums go up or perhaps being dropped altogether. In the event of a
natural disaster like a fire, residents can rest certain that they won't
have to worry about losing their homes. In the absence of evidence of
fraud or being labeled a "habitual claimant," you will not be
subject to a premium increase or cancellation of coverage.
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|what is personal property inventory?
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