Does Home Insurance Covers Household Accident?
Reader’s Question:
Hey there, I have an estimate from remodeling guy to fix our garage in Enumclaw Plateau WA which was the victim of a household accident. Is that enough for my home insurance company? What a disaster?
Fran
Enumclaw Plateau, WA
Good day Fran,
Sorry to hear you had a household mishap. My first reaction to slow down! I understand you want that garage fixed but your home insurance policy in Enumclaw Plateau WA has set guidelines that will need to be followed. You should immediately contact your home insurance agent in Washington and ask for his assistance in coordinating the repair work.
It sounds like your carrier will dispatch a home insurance adjuster to view the damage. Call your agent in Enumclaw Plateau Washington who may take an oral report. The adjuster will receive the report and use your statement as his basis for a determination of eligibility. Make sure you have all the facts of the accident and that they are reported accurately to the home insurance company.
It is possible that the home insurance adjuster will require more than one estimate of repairs. I think it is always a good idea to save all estimates and basically build a record of the events surrounding the accident. Your home insurance carrier may want this information. The home insurance adjuster has to be accountable so the more information you can furnish, the quicker the process will move.