When the cost of repairing your home exceeds the house's value, is it considered a total loss?
A total loss occurs when the home is either wholly destroyed and unusable, or repairing it would cost more than the residence is worth. However, how do insurance companies decide whether or not a home is a total loss?
Here are a few things that your homeowner's insurance company considers while making this determination:
Category of Total Loss
When deciding whether a home is a total loss, insurance companies typically consider two categories of loss. The first component is an actual loss. Actual loss is the destruction of everything. An example would be a home destroyed by fire, which often entails destroying the structure and its contents.
Constructive loss is the second form of loss. This occurs when a home is not destroyed, but the cost to repair it exceeds its market value. In either scenario, the insurer's liability is limited to the total amount insured.
Significant Loss of Personal Property
In assessing whether a residence is a total loss, it is necessary to account for all losses of personal goods. If the cost of repairing your home and replacing your belongings exceeds the worth of your home and its contents, your insurance company may choose to pay for both.
Shortfalls
In most situations, you can pay the difference between what your insurance carrier will reimburse and what it will cost to restore or rebuild your home if your insurer determines that your home is a total loss.
For instance, if the cost to rebuild your home is $200,000, but you are only covered for $150,000, you have the option to pay the additional $50,000 to repair or rebuild, depending on the extent of the damage.
Statutory Constraints
Some states do not require repair expenditures to equal or surpass the home's actual monetary value to determine a total loss.
An insurance company may still be permitted to declare a total loss and pay the insured amount if, for instance, the cost to repair your home exceeds 90 percent of its real cash value. If you have questions about this, contact local agencies for assistance.
Contractor and Adjuster Estimates
Your insurance company will contact estimators, insurance adjusters, contractors, engineers, and other construction specialists to calculate the cost of repairing or rebuilding your home. This information, together with additional data and evidence of the damage, will be used to assess whether or not your home is a total loss.
If you disagree with their decision, you may be able to challenge the claim and request a second evaluation. Depending on your policy and state law, you may be required to pay for the reassessment.
Review Your Policy
Ensure that you conduct an annual inventory of your possessions and examine your insurance policy to ensure that you have appropriate coverage in the event of a total loss insurance determination.
People frequently misjudge how much it would cost to rebuild their homes and all of their belongings. Consider purchasing replacement insurance if it is available. Unfortunately, it is often too late when someone finds they are underinsured.
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