Homeowners insurance policies provide coverage for the cost of additional living expenses if your home is damaged by an insured disaster. If you need to relocate, keep your receipts: If you need to find other accommodations while your home is being repaired, keep records of your expenses. Don't make extensive permanent repairs until the claims adjuster has assessed the damage. Beware of contractors who ask for a large amount of money up front and contractors whose bids are very low - they might cut corners and do shabby work. So if you pay a contractor a large sum for a temporary repair job, you may not have enough money for permanent repairs. Remember that payments for temporary repairs are part of the total settlement. Save receipts for what you spend and submit them to your insurance company for reimbursement. Make temporary repairs: Take reasonable steps to protect your property from further damage. whether you’ll need estimates for repairs.how long it will take to process the claim.whether your claim exceeds your deductible (the amount of loss you agree to pay before insurance kicks in). Whether the damage is covered under the terms of your policy.Contact your agent or company immediately.
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