Homeowners insurance in Alabama in not cheap, so it is important to take not of all your benefits
Landscape: Often times when a home is burned, bushes and shrubs are burned. There are limits in the policy per shrub or tree. A proper review of the policy will determine the details.
Mileage: Can be paid to view your contents, to do laundry
Laundry: If you are displaced from home and your laundry facilities aren’t available to you. You can sometimes get laundry services paid for.
Contents: Assistance for someone to help you make a list of your damaged property.
Outbuildings: Likely limited to 10 percent of your overall amount. So if your outbuildings are worth more than that, you should address that with your agent now.
Security: The physical security of a partially burned home is covered: emergency board up and lock up of windows and doors, including a hasp and lock.
Tarps: tarp your house on an emergency basis, and otherwise protect it from the weather and further damage after a claim.
Debris Removal: Sometimes limited to 5 percent of the policy. In a typical restoration, 4 – 7 percent of the total contract is debris removal.
Alternate Living Expenses (ALE): A house equivalent to your current living standards.
Utilities: Increased bills that can be reasonably connected to the claim, such as a high air conditioning bill to prevent mold growth and dry out the structure.
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70 cents in a bank account for you and all the others to draw on a claim for each $1 insured customer’s pay. Of the other 30 cents, 25 cents goes to sales cost and 5 cents profit. The insurance company’s job when there is a claim is to assist the homeowner to draw on that bank account the amount of their claim.
The insured has to prove how much this is through receipts, inventories and estimates. It is important to note that professional help is now available to the homeowner to help maximize the settlement, and take care of the details associated with proving your claim. Public Adjusters only work for the homeowner and usually charge a small percentage to help the claimant.
If the insurance company is not supposed to put roadblocks in the homeowners way. They are not supposed to ask for duplicate evidence, but they are supposed to assist you in understanding policy provisions that relate to your claim.
If you find your insurance company is not doing this, unreasonably delay, or otherwise put roadblocks in the way of accessing your claim money, you have the right to have your own expert called a Public Adjuster. Public insurance adjusters are licensed by the state of Texas and cannot charge more than 10 percent.
