If you experience a disaster at your home or business, be it fire damage, water damage, storm damage, or something else, a claim on your insurance policy will be necessary to restore your property. Many people think they can only use these funds to return the property to the same condition. If you have been considering remodeling, you should know that you can also put the funds toward that while covering any difference in cost on your own. This is actually a great time to do some remodeling even if you hadn’t been thinking about it because you won’t have to fit the entire bill yourself.
The actual process of submitting and processing the claim will depend on your insurance company and the coverage you have, as well as whether your contractor has the ability to work with them and you to get the results you want. Another thing to keep in mind is that if you do want to do some remodeling, you’ll need to hire a restoration company that is also a general contractor and can do remodeling work. This will make the process go much more smoothly, and you’ll gain from their insight into how to best handle the claim.
If you can, get a company that is both a general contractor and a restoration company, so that they are in a good position to handle remodeling as part of your disaster restoration claim. These companies offer a wide range of specialized services, so you can come out the other side of a disaster with no lingering reminders of what happened.
