If your home has been damaged by a flood or fire, it may not be inhabitable until the damage is repaired. Now, this can be a difficult decision… the question is, do you fix the damage yourself so you can stay home, or, do you look for another option? below, we provide a brief guide to the options available to you when your home is undergoing essential maintenance work as a result of an insurance claim.
How Long Will an Insurance Claim Take?
Insurance claims can sometimes take a while to go through. Your insurance company will want to investigate the claim and determine what happened. It can take anywhere from a few weeks to a few months for the insurance claim to go through. Often the biger the damage the more investigation is required. Obviously, you won’t want to stay in a temporary space for that amount of time.
In some cases, it’s worth talking to the insurance company to ensure you can begin the process of rebuilding your home. However, you will need to pay for this while the claim is investigated. In most cases, the insurance company will reimburse you for any emergency repairs but getting insurers to pay is not always an easy process.
Where to Stay?
Depending on the situation, you will need to find another place to stay while waiting for the house to be repaired. The first choice will be a hotel, at least for the first few days. It can be disorientating to be without your home and you may have lost many belongings too. This may mean you are struggling to re-establish yourself before you are able to really focus on what needs to be done.
As the insurance claim proceeds, you may need to see what your insurance company will provide, such as reimbursing the costs of the hotel or paying for a home to rent as repairs are carried out. All of this depends heavily on the amount of damage done to the home and how long it will take to sort it all out.
If you’re finding yourself confused and frustrated by the entire process of placing an insurance claim for your home, you can get help. There’s no need to do this alone. If you appoint All Property Claims Ltd to deal with your claim and your property is deemed uninhabitable, we can get the insurer to appoint a relocations agency to find suitable accommodation for you and pay for this without any upfront cost to you.
Contact All Property Claims for more information on how we can make the process easier for you.