Can I Do My Own Insurance Repairs?

Insurance claims are all about fixing something that has been damaged. In instances when a home or business is damaged, property owners will want to make repairs and replace their property as quickly as possible. However, property owners do not have to do either of those things and here is a detailed glimpse at why that is the case.

Insurance policies were designed so that property owners do not have to make repairs or replace their property. You may wonder whether you can do your own insurance repairs yourself. In reality, all you have to do is report the damages. And in order to assess the damage in its entirety, insurance companies will need to get a close-up view of the damage.

Now, this process will not happen overnight. The good news is that it will happen as long as you follow the proper protocol and that does not mean conceding to the suggestions of your insurance company. Going through this process will help you get the additional living expense coverage you need to stay happy and healthy while your insurance company analyzes your claim and takes care of repairs.

Within every insurance policy, there is something called Additional Living Expenses. This covers the costs of your day-to-day living while repairs are being made to your property. Keep all receipts and submit them to your insurance company for reimbursement. And the longer it takes insurance companies to fix your damaged property, the longer it has to keep paying these living expenses. That could prompt them to speed up the process and take more immediate action.

Nevertheless, you will not have to repair a single thing. You can also select which contractors you would like to make the repairs. They are the ones who will be entrusted with fixing your home. You will still have to maintain mortgage payments that were in place before the damage, but it will not be on you to make any repairs.

Any repairs that you do make could be contested by your insurance company and it could also be used to lessen your settlement. In some extreme cases, it could be used to deny your claim. This is why it’s important that you don’t do the work yourself in your homeowners’ insurance claim. Instead of asking if you can do your own insurance repairs, sit back and wait for them—or for the professional public adjusters at AmeriClaims—to handle things.

Clearing debris is not deemed the same as making repairs and this is something property owners can do, in addition to closing up holes that could lead to further damage. However, the extent of that generally applies to boarding up windows or covering a hole in the roof with a tarp.

AmeriClaims provides residents of the Charlotte area with someone they can turn to when faced with any kind of property damage. Our public adjusters will walk you through the process and level the playing field so that insurance companies cannot take advantage of you. After disaster strikes, strike back at insurance companies by contacting AmeriClaims right away.