Is your home protected against fires? If your home insurance policy provides adequate fire protection, it’s essential to understand the benefits it offers. Familiarizing yourself with your policy’s coverage will prepare you to handle emergencies effectively.
Fire Restoration Project
A fire restoration project will only begin after your insurance claim has been approved. If your home is affected by a fire, there are several steps you’ll need to follow.
First, report the incident to your insurance provider. Next, file a claim. Once your claim is approved, your home insurance policy will cover an inspection of your property. This inspection will determine the necessary steps for the fire restoration project.
After you formalize an agreement with a building contractor, you’ll receive a list of materials the contractor will use during the restoration. You may have the option to add these materials to your home insurance policy. If the materials are damaged due to a disaster or criminal activity, you can seek replacements through your policy.
Loss of Use Coverage
Your home insurance policy may include coverage for loss of use. This type of coverage helps you secure alternate housing while your home is uninhabitable. Loss of use coverage can pay for shelter and other essentials your family needs during this time.
Residential Insurance Advice
If you would like to learn more about restoration essentials and loss of use coverage, please get in touch with a Worthington Carroll Agency representative. An agent serving Port Jervis, NY, can explain your benefits and guide you through the necessary steps to take in the event of a fire.
