Subject: Should I Begin Repairs?
Hi everyone,
I recently had a tenant cause significant damage to my property. I filed several claims with my home insurance provider, and they’ve since sent a field adjuster and an engineer to thoroughly assess the damage.
I also need to consult with the insurance company’s attorney and provide a sworn statement under oath.
My question is: am I cleared to start repairs so I can get my home ready to rent again? I feel like the insurance company has all the necessary documentation and evidence they need, but the adjuster keeps saying that “this is a lengthy process and we can’t decide if you can start repairs.” I’m feeling stuck and uncertain about what to do next. Any advice would be greatly appreciated. Thank you!
It’s understandable to feel stuck in this situation. It’s important to prioritize communication with your insurance company before proceeding with any repairs. Since your adjuster has advised against starting repairs until the process is complete, it may be best to follow that guidance to avoid any potential issues with your claim.
Here are a few steps you might consider:
Wait for Confirmation: Until you receive a clear confirmation from your insurance company stating that they have all the documentation they need and that you can proceed with repairs, it might be safest to hold off.
Follow Up: Keep in regular contact with your adjuster for updates. It’s worth asking for a timeline on when you can expect a decision regarding repairs.
Document Everything: Make sure to document the damages and any communication with your insurance company. This can be helpful if any disputes arise later.
Consult an Attorney: Since you mentioned needing to speak with the insurance company’s attorney, it may also be wise to consult with your own attorney for guidance on how to protect your interests during this process.
Explore Temporary Solutions: If the repairs are urgent and you can afford to wait for reimbursement, explore minor temporary fixes that won’t interfere with the overall assessment of damages.
The key is to ensure that you’re in compliance with the insurance claim process to maximize your chances of receiving the compensation you deserve. Good luck!