Please contact us if you cannot find an answer to your question.
Our dedicated team understands the urgency and emotional toll of such situations, and we work quickly and tirelessly to ensure you find a comfortable place to reside during the restoration process as soon as possible.
Your insurance company has an insurance adjuster who will assess the damage from your claim. However, in certain situations, you may want a professional to advocate to work for you. Many homeowners decide to hire a public adjuster if the damage is extensive or if it’s difficult to determine how much damage has occurred. If you disagree about the cost estimate from your company’s insurance adjuster. We can work with your insurance adjuster if you decide to hire us as a consultant on your claim. We can provide you with an accurate Xactimate damage estimate that you can use for comparison with the one your insurance company provides to you. We can also help oversee your building and repair process.
Generally, the entire physical structure of your house is covered under your homeowners’ policy. The physical structure of your house is protected against any damage unless specifically excluded. Damage from rising waters and street flooding is generally not covered (unless you have a separate Flood Policy). What most people do not know is that personal property is also most likely covered, as well as additional living expenses (Coverage D) or Loss of Use coverage when having to move out of your home due to the damage incurred. There are many other valuable and often misunderstood provisions in your policy that provide additional coverage when you incur damage to your property. To learn more about insurance coverage, Click here.
The first thing you should do is take an inventory of your home. Make a list of any damage to your house and personal property. Note which parts of your property were damaged. Do the same for your valuables, for example, electronics, vehicles, major appliances, and furniture. Taking pictures or video is a great idea. Having a visual record will help your claim. If you are able to locate receipts for any of these items, do so at this time. Also keep all receipts for any extra living expenses incurred. Or any emergency repairs made.
DO NOT DISCARD ANY DAMAGED PORTION OF THE HOUSE BEFORE THE INSURANCE COMPANY HAS HAD A CHANCE TO INSPECT IT!!
While CovereD does not perform the actual repair work or rebuilding of your home, we provide unparalleled support in overseeing the rebuilding or repair of your home. Our expertise includes virtual damage assessments for accurate evaluation, estimation of damage extent, and building consultant services. We specialize in handling property damage insurance claims that include a wide range of damage, including water and fire damage and other catastrophic damage that renders a home unihabitable.
We work with licensed real estate agents and companies to find temporary housing. In addition, we are licensed property damage claims adjusters in RI and MA, and we only work with licensed contractors to oversee the rebuilding or repair of your damaged home. In addition we are Xactimate Certified at the Level 3 Mastery Level.