Expert Fence Contractors in Essex, ON

No, your insurance carrier should not expect emergency service work to be delayed for them to see the project in person. Work should begin immediately, and the process should be fully documented. This ensures your insurer can see everything through the documentation. It is the carrier's obligation to get the policy holder back to pre-loss conditions and that typically includes paying outside contractors for work performed to get them there.

Your insurer will assign an insurance adjuster to your claim. They may be an in-house employee or an independent insurance adjuster. They work for the insurer, review your receipts, work with contractors or engineers to estimate the cost of repairs to your home, and calculate the cost of replacing your lost belongings.

Whether and to what extent your insurance policy covers the loss of your home or belongings depends on the types of coverage included in your policy. Many perils or causes of loss are covered in standard insurance policies, but not all policies are the same. Your specific policy may include some specified perils, but exclude others; or you may need premium coverage for certain causes of loss.

The purpose of Additional Living Expenses coverage is to help your family maintain your standard of living while your insurance claim is resolved and your home is restored. ALE coverage extends to costs such as:

Insurance lawyers can work with you to help you through your claim, negotiate with your insurer, understand your policy, and make sure you receive a fulsome settlement. But not every homeowner will need help with every claim. Below are some circumstances that should identify a need to get help with your insurance claim: