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Home Owners Insurance Claims And Doing Repairs Yourself?
In: Home Insurance
11 Feb 2010I would like any information regarding submitting receipts for repairs that need to be done to my home. I have a large deductable and the repair expenses go beyond the claim payment. Can I hire a handy man or do the work myself? What documentation do I need to provide my insurance company as proof that the work is completed.
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3 Responses to Home Owners Insurance Claims And Doing Repairs Yourself?
mbrcatz
February 11th, 2010 at 8:50 am
You can – but the insurance company can cancel you if the guy doing the repairs is required to be licensed, and isn’t (example, a plumber). Also, depending on the type of claim, you might need to get a permit to do the repairs – which could ALSO require a license.
Anyway, to prove the repairs were done, you’ll need photos and the receipts for the supplies. Also, if you do work yourself, log the hours you put into it.
Keep in mind, if you do a rotten job the first time, the insurance company won’t pay a second time – and won’t cover any mistakes you make with the repairs.
Ted
February 11th, 2010 at 10:23 am
The insurance company should send out a claims adjuster. He will make an estimate. If you agree to accept the estimate, they send you a check. After that, they don’t care who does the work, or even if you have it fixed at all.
kate
February 11th, 2010 at 2:52 pm
What kind of damage ?
Plumbing or Electrical ?
Or carpet and paint ?
You left out the important info , which suggests you are totally unfamiliar with code requirements (and the life or death issues they come from ) .
If it is carpet & paint , you can do it yourself .
A substandard job will not be hazardous at least .
Other work , framing , plumbing , electrical etc . . .
You need to get a qualified journeyman .
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