Be careful when making an Insurance Claim for damage to your home

Posted over 4 years ago. Applies to Washington, 1 helpful vote



Photograph everything!

This is the first and best evidence gathering you should do.


Get a repair estimate

It is critical to get a qualified contractor to prepare a comprehensive estimate. It should not be your wife's brother who is a contractor, or your neighbor who comes by and gives you a rough estimate. The insurance company will want everything itemized and you need to be sure that you have a bid from a contractor who understands the scope of damage, the true cost of repairs, and the way to itemize the repairs so each item is clear and defensible. If you get a repair estimate without first talking with an attorney, you may be taking a significant risk that your total coverage, if any, will be less than adequate to repair your home.

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