How to Prove Work Completion to My Homeowner's Insurance

When you filed your homeowner's claim after your property was destroyed, you most likely received an initial settlement amount that reflected a portion of the final amount you were entitled to receive. You utilized this money to pay the contractor's deposit. Still, now that the work has been completed, you require your insurance company to pay the remaining balance of the settlement amount. While each insurer has its technique of determining whether or not your work is complete, several common methods are often effective.

You should obtain a copy of your contractor's final invoice. Some contractors handle all of their customers' insurance needs, and they may forward this document to your insurer on your behalf if you hire them.

Take a photograph of the region that needs repair. As a result of the initial inspection, your homeowner's insurance adjuster took images of the damage, which will be used to compare with the new photographs you provide.

Send the invoice, as well as the images, to your insurance adjuster. During the initial inspection and interview, it's possible that you obtained the adjuster's phone number and address. If not, contact him to discover the most efficient method of submitting your materials. Adjusters often accept supporting documentation by email, fax, or hard copies delivered to the local claims office.

When it comes to substantiating insurance claims, there is no such thing as having too much documentation. Take as many pictures as you can of the fix. You have not assured payment merely because you have demonstrated that the work is complete. Keep in constant communication with your insurance adjuster throughout the repair process, and follow all directions. If possible, include the contractor in the process to reduce the likelihood of receiving an unjust settlement.