As a parent, I can't tell you how many times I have walked in on a disaster. Just a few days ago, my kids were playing together and they decided to flood our master bathroom with a few towels and a boatload of water. Although some messes are cute or funny, others are completely overwhelming and difficult to clean up. Fortunately, I have an excellent damage contractor on speed dial, and he comes out to help me whenever I need a little assistance. I want you to know how to tackle tough messes, which is why I put up this website.
When your home is badly damaged during a storm because a tree falls on it, it can be hard to know what to do. Fortunately, insurance companies have dealt with such issues time and again and should be able to easily help you with the situation right away. The guide below walks you through what you can expect to happen when a tree falls on your home.
The Insurance Company May Put You Up in a Hotel
When your home becomes uninhabitable because a tree is lying in the middle of it, you have to have a safe place to sleep until the home can be fixed. If you do not have anywhere else to go, the insurance company may pay for an extended hotel stay until your home can be fully repaired. It is important to know that some insurance companies do not allow you to actually pick out the hotel that you get to stay in. An adjuster will choose the hotel for you instead. Other companies allow you to choose any hotel you want as long as the cost falls within a specific price range.
The Home Will Need to be Inspected
Before any work can be done on the home, a home inspector will need to inspect the property with the insurance adjuster. The two of them will work together to see if the home is salvageable and determine how much it will cost to be able to make the necessary repairs on the home. If the adjuster feels that the value of the home is less than what it would cost to make the needed repairs, he or she may deem your home as a total loss. If this happens, the company will pay you a specific amount of money based on the value of your home. You can then use the money to buy a new home, pay off your old home, or simply build a new home on the property.
Only Basic Materials Will Be Used for Any Repairs
Many people look at a damaged home as a time to do upgrades since the home needs to be repaired anyway. Your insurance company will not pay for any upgrades to your home though. They will restore the home back to the condition that it was in before the tree fell on it. If you want any upgrades made to the home, you will have to pay for them out of your own pocket.
When the insurance adjuster determines how much he or she feels the repairs cost, they will establish a budget that the contractor will be able to use to do the repairs. It is important to note that if additional work is discovered later on down the road, such as plumbing or electrical issues, the adjuster may be willing to increase the budget slightly, based on the severity of what needs to be done.
Contact a company like Nordic Services Inc for more information.