Your Rights Under Your Insurance Policy

• You may take and be fully compensated for the cost of emergency steps to safeguard your property from further damage after a loss. 

• In fact you have the obligation to do so under the terms of your policy. The insurance company may not be liable for additional expenses if you fail to provide such protection.

•  If you have secured adequate coverage, you are entitled to be paid for the fair cost of fully restoring your home to it's pre-loss condition.

• However, you are not insured for the repair of prior or un-related damage. You are not insured for code deficiencies unless your policy contains a "Law & Ordinance" endorsement.

• You are free to hire whomever you please to work on your home or business, or even to make the repairs yourself if you choose.

• Your Insurance company is entitled to provide a settlement that reflects your actual expenses for the repairs.

• You are entitled to employ and should insist upon a fully licensed and insured repair firm of good reputation.

• If you choose not to employ such a firm, the consequences and liability for any injury, damage or other actions will rest with you.  Your insurance company is only going to pay this claim once.  Choose wisely!

• You are entitled to employ a firm with sufficient experience and stability in the community to stand behind its work and warranty responsibilities.

• The repair contract and its execution is strictly between you and the contractor. Your insurance company does not warrant or guarantee the performance of any firm you hire.  It is essential that you research your options so you can make the best choice for you and your family!

• You are entitled to materials and workmanship fully equivalent to your existing installation in "like kind and quality-.

• The insurance company has no obligation to improve your existing materials.