If you have filed a homeowners insurance claim, the company may send an adjuster out to examine the damage, determine how much it will cost to repair, and then cut you a check for the difference between that and your deductible. One of the questions that we at Rate Genius Insurance, serving the greater Austin, TX area, are often asked is whether you can make the repairs yourself with the check or whether you have to hire a contractor. Here is some information you will want to know.
What Happens Next?
Once an insurance company cuts you a check, you are free to use it how you wish. You can decide to do the work yourself, hire a contractor, or hire a family friend to complete the work for you. However, it is important to understand that if you complete the work yourself or use an unlicensed contractor. Home insurance may not cover any damage done to your home by improper repairs or repairs that are not up to code. As such, it is strongly advised that you hire a licensed contractor who has their own insurance and is familiar with local codes when you are looking to have any repairs made to your home.
Having the right homeowner’s insurance policy in place is always important before the unexpected occurs. This helps to ensure you are properly covered and that the process will go as smoothly as possible. If you are looking to obtain a new home insurance policy, contact Rate Genius Insurance, serving the greater Austin, TX area today. We can help you find the right policy for your needs. Call us now to get started.