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Question DetailsAsked on 1/25/2015

Are u familiar with fire damage and repairs which also involve insurance claims.

Are u familiar with fire damage and repairs which also involve insurance claims. The house is financed through a government agency and there is a lot of paperwork involved. i need someone who is willing and knowledgeable of the government process and the way they expect the repair process to go. I already have a check from the insurance company which is made out to me and USDA rural development which i have to send it to my lien holder to put in a saving to hold for the repairman to start. and complete the repairs. The lien holder will disburse the check to me and contractor in a 3 step process. and send a inspector out to see the completed job and that the repairs were done exactly as they have specified in their adjustment report. I have a detailed itemized insurance claim report from my adjuster that has the breakdown on each section of the damage and the areas in which they will pay for and how much they allow for repairs. it has tear out, clean up, and repair quote breakdowns.

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The claim adjuster has provided what the insurance company is prepared to pay up front - unless the contrator signs a contraxt saying he will accept that amount as payment in full (excepting any improvements you have him doing in the course of the job), you will need to negotiate between the contractor (or several bidders) and the insurance company about acceptable payment before signing a contract - in many cases the insuance company adjuster starts out 15-25% low up front, and has to be brow-beaten into more money. Also, once the tearout phase is done you frequently see more damage like an upper floor wall or beams that had critical fire damage that ws visible initially, so the claim adjustment has to be modified to account for the extra work.

Commonly, the insurance company will provide a project inspector/facilitator (who granted, is working for them, not you) to help you through the process and forestall fraud. Some of the insurance companies also have online guides to working through a recovery project.

You can also google a search phrase like this - help with house fire repair - for articles on fire recovery steps and hints.

The Water and Smoke Damage (the Angies List Search the List category) contractors commonly are pretty familiar with this process of handling submittals and processing the payments - of course, do nnot leave it totally in their hands, and I STRONGLY recommend NOT signing over control and insurance company discussions to them.

On the checks - will commonly be written in both your and contractor's names - and will need to be endorsed by both, and of course contractor expects you to endorse over to him as payment. Make sure all required inspection and approvals are done BEFORE doing so (including any checklist items), and you need to get lien release for him, any subcontractors, and significant vendors BEFORE turning over final payment, thesame as you would on a normal construction project. Sometimes insurance company has a project completion and release form they want you and him to sign also, showing he has been final paid for the work and that both you and him say the work is completed and claim is completed.

One more hint - take lots of dated and captioned photos to document the conditions, especially before and during tearout, to document the actuall extent of damage in case there is an arguments after it has been torn out and rebuilt and destroyed the evidence.

Answered 4 years ago by LCD

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