Homeowners’ Insurance Replacement vs. Cleaning
Several types of damage to your property require different types of solutions. However, insurance companies are going to attempt to fix your property by spending as little as possible. That does not mean you always have to settle for what they initially attempt to offer you, especially with an expert public adjuster on your side. In some instances, insurance companies may offer to clean instead of replace damaged goods, but what are the complete differences between homeowners’ insurance replacement versus cleaning?
Water damage and smoke damage can affect property in all sorts of ways. In some instances, it may appear that a thorough cleaning will return your property back to the way it used to be. But this is different from actual replacement. Even professional water/fire clean up services cannot undo all damage. And when an insurance company is required to replace your property, you don’t have to settle for just a cleaning.
In instances of smoke damage, an insurance company may claim that cleaning will restore household items like drapes, carpet and furniture. However, there is no way to guarantee this will restore all of your property, even though insurance companies will try to convince you otherwise.
Water damage falls along the same lines. In many cases, insurance companies will offer a cleaning service in an effort to cut on costs. But that does not always account for any underlying damage caused by excess water. That damage might pose problems in the long term.
The bottom line is that when you have a replacement policy, you have the option whether to repair or replace your property. Replacement claims spell out the fact that replacement is what is required, yet insurance companies will usually try to talk clients into a cleaning instead. Another tactic they will use is actually providing you with a cleaning service they recommend.
Be wary of these ploys as they are ones a public adjuster can detect right away. There are several ways insurance companies attempt to manipulate their clients and pushing cleaning over replacement is just one common example.
Replacement cost policies are intended to reimburse the full cost of your property. You are entitled to receive a new item as if you walked into a store and bought it yourself. That can be costly for insurance companies, which makes sense why they would try to push cleaning services as an alternative. Remember that even if the claim is disputed, you do not have to settle for a mere cleaning. Sometimes, your insurance company may try not to pay. In these instances, instead of wondering what to do when homeowners’ insurance won’t pay, get AmeriClaims’ public adjusters on your side.
At AmeriClaims, we know what you are going through. Headquartered in Charlotte, NC we also help clients in Georgia, South Carolina and Virginia get fair payout on their claims. We see and understand the difference between homeowners’ insurance replacement versus cleaning that insurance companies will push, and we’ll help get what you need. AmeriClaims can provide you with a trusted North Carolina public adjuster that won’t let you settle for less than you deserve. You can avoid insurance company tactics by enlisting the services of AmeriClaims, the top public adjuster VA, NC, SC, GA and FL offers its residents. We’ll help make personal property replacement possible instead of settling for simple cleaning.
