Claim FAQS

If the damage will get worse if temporary repairs aren’t made, don’t wait for the adjustor! Your policy covers the cost of reasonable and necessary temporary repairs you make to prevent further damage after a covered loss. Depending on the nature of the damage, temporary repairs could include:

• Removing trees from structures or driveways
• Tarping a wind-damaged roof
• Using a wet vac to remove water
• Placing fans or dehumidifiers
• Poking holes in waterlogged ceilings
• Placing buckets under leaks
• Emergency electrical repairs
• Boarding windows or doors

Save your receipts and track your time if you do the work yourself.

The short answer is “As soon as possible!”

• Catastrophic events may delay inspections due to volume and travel.
• Extensive or specialty damage may take longer to resolve.

You choose the contractor. Hire someone reputable and insured. Get references, check with the BBB, and ensure you understand the contract before signing. Don’t pay upfront.

Your policy includes Additional Living Expense coverage. It reimburses necessary and reasonable costs to maintain your standard of living. Keep all receipts for reimbursement.

If you have a mortgage, the mortgagee has an interest in your property. Your policy requires their name on checks for structural damage. Contact them for check negotiation procedures.