emergency repairs

Emergency Home Repairs Before Your Insurance Claim: What You Must Do, What You Must Not

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Emergency Home Repairs Before Insurance Claim

Your insurance policy legally requires you to perform emergency repairs to prevent further damage, known as the duty to mitigate. There is a massive difference between emergency stabilization (like tarping a roof) and permanent repairs (like installing new shingles). Permanent repairs before an inspection can destroy evidence and ruin your claim. Always take extensive photos … Read more

Can You File a Home Insurance Claim After Repairs Are Done? What You Need to Know

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Can You File Home Insurance Claim After Repair

Filing a claim after repairs are completed is possible if your policy filing window is still open. Emergency repairs to prevent further damage are expected, but destroying evidence before an adjuster visits can complicate your settlement. Without physical damage to inspect, your claim relies entirely on the quality of your pre-repair documentation and contractor records. … Read more