Over the next few weeks many readers will assess the damage that winter has done to their homes.
You may be surprised to learn that some of the damage that winter may have caused is covered by homeowner’s insurance. That is why before doing any repairs it is important to check your policy.
In addition, contact your homeowner’s insurance agent. Remember, your agent should be your advocate in dealing with claims.
Although every company has its own process with regard to claims, it is important to always document the damage. It is not unusual for an insurance company to initially deny a claim. However, every company has an appeal process. Just because the initial response is no, does not mean that’s the end of the discussion. In fact, generally, it’s just the beginning.
Whether your damage is covered by your homeowner’s insurance, if you are going to hire someone to do the repairs, be careful. If you are hiring a contractor to repair your home make sure you’re dealing with someone who is reputable and is qualified to do the job.
When it comes to hiring a contractor, ask family and friends for a recommendation. Even if you receive a recommendation, check the individual through the Better Business Bureau. Doing your homework ahead of time and hiring a competent qualified contractor will save you lots of aggravation and money down the road.
In hiring a contractor, get bids from a number of qualifiedcompanies. It’s always important to remember that it’s not necessarily the cheapest bid that you accept. Price is important, however, it is not the only factor.
Another to discuss with the contractor is the time frame for when the job will be completed and what happens if the job is not done on time. In many situations it makes sense to put a penalty provision in the agreement. In other words, if the job is not done by a certain date, there are finanical consequences.
I recognize that whenever there is damage to your home you want to make sure that repairs get done as soon as possible. Remember, review your homeowners policy, and hire a competent contractor to get the job done.