You are entitled to receive insurance benefits to place your home into pre-loss condition. This accounts from everything such as painting the walls to kitchen cabinets/countertops. Furthermore, all items repaired need to match post reconstruction. For example, let’s say there is a homeowner’s insurance claim requiring kitchen repairs whereby the lower cabinets were completely damaged requiring replacement. If those cabinets are no longer available for purchase, the insurance company is required to provide enough funds to make all the cabinets (lower and upper) match.
Here’s another example, let’s say there is a water loss damaging continuous flooring (wood floors or carpet with no transitions between rooms) in large sections of the house. The insurance company needs to provide enough funds to make all these floors look the same if they cannot be matched when purchasing replacement flooring materials at retail. Certain types of flooring may likely never be matched due to color, lot, availability, etc. Do not settle for a mismatch kitchen, room, repair, or reconstruction. Please contact us to discuss your options in disputing the insurance company.
You may also be entitled for reimbursement other items such additional living expenses and out of pocket expenses related to the loss. If you feel your claim has been undervalued by the insurance company, please give us a call.
- When an insurance company offers to resolve a claim is not enough to cover reconstruction costs, CALL US
- When an insurance company wants to pay minimally on valid out of pocket and additional expenses