Our number one goal is to ensure you and your family are protected. This means providing the right coverage from day one. It also means helping you get back on your feet following an insurance claim.
Filing a claim shouldn’t be difficult or confusing. After a disaster, repairing your home and getting your life back on track should be your main focus. That’s why we are here to help you navigate the claims process. If you find yourself filing a claim, consider these three details to make the claims process simple:
1. Policy Limits
The type of policy on the home determines how much is covered. If your home is totally destroyed, you want to be covered completely. Review your policy and see if you have replacement cost coverage. This will cover the cost of repairing the damages, and if the home has been entirely destroyed, replacement cost coverage can replace the damaged structure with a building of similar make and quality, up to the coverage limits selected. Update your coverage if you recently remodeled your kitchen or added on a room to ensure these new structures are covered.
If your home is destroyed, there are a few ways to start rebuilding again. Work with your insurance provider to quickly come to a claim resolution and inquire with them for contractor referrals. Insurance carriers typically have extensive preferred contractor lists which can start the rebuilding process sooner than later.
3. Temporary Living Expenses
Severe damage can keep you out of your home for an extended period. If this is the case, you can get an advance of money or reimbursement to cover reasonable living expenses. These expenses are referred to as Loss of Use, and can include expenses like hotels while you cannot live in your home or food if you have to dine out instead of cooking at home. Each case is determined by the amount of damage and assessment of living conditions, the amount of coverage you have on your home, and your insurance policy. Save all the receipts during this period so you can be reimbursed for your expenses, if covered. Your insurance adjuster can authorize temporary living expenses quickly.
Lighthouse is here to help guide your way forward to make sure you and your family are protected. Request a quote today with a local Lighthouse agent!