CONTENTS
CONTENTS .......................................................................................................... 1
THE FIRST STEPS ............................................................................................ 2
WHAT HOME INSURANCE COVERS AND DOES NOT COVER .............................................. 3
READING YOUR DECLARATIONS PAGE ................................................................................... 4
ESTIMATING DAMAGE ................................................................................... 5
FIRE DAMAGE RESTORATION COSTS ........................................................................................ 6
HOUSE FIRE CLASSES & CATEGORIES .................................................................................... 6
SMOKE AND SOOT DAMAGE RESTORATION COSTS ............................................................. 7
WATER DAMAGE RESTORATION COSTS ...................................................................................8
WIND DAMAGE RESTORATION COSTS ......................................................................................8
REPAIRING VERSUS REBUILDING YOUR HOME................................... 9
WHO DECIDES? ............................................................................................................................... 10
REPAIRING VERSUS REBUILDING: PROS AND CONS ......................................................... 11
REPLACEMENT COST VS. ACTUAL CASH VALUE POLICIES ............................................. 12
HOW TO DEAL WITH YOUR INSURANCE COMPANY’S ADJUSTER . 13
WHAT TO DO AND WHAT NOT TO DO ........................................................................................ 14
INSURANCE CLAIM ROADBLOCKS ......................................................... 15
WHY INSURERS DENY CLAIMS .................................................................................................. 16
HOW INSURERS JUSTIFY LOWER PAYOUTS .......................................................................... 17
STEPS TO TAKE AFTER CLAIM DENIAL...................................................................................
18
HIRING PROFESSIONAL INSURANCE CLAIMS HELP ........................ 19
PUBLIC ADJUSTERS VERSUS ATTORNEYS .......................................................................... 20
HOW PUBLIC ADJUSTERS HELP .............................................................. 21
TOP 3 THINGS PUBLIC ADJUSTERS DO ................................................................................. 22
FAQS ................................................................................................................. 23
FREQUENTLY ASKED QUESTIONS ........................................................................................... 23
SOURCES.........................................................................................................................................
23