How long does it take for homeowners insurance to fix something (read more)?

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I had a flood in my home due to my washer yesterday, I called insurance company and filed a claim. Today, I had water restoration guys come out and put in huge fans and check for moisture content in the walls and set up a dehumidifier…yadda yadda yadda. Claims guy comes Monday. And a plumber is also coming sometime this week to asses the damage in 2 of our bathrooms (the cabinets may have to be replaced). Anyone been through this? How long until all of this is over and finished?

  1. Reply
    Ryan M
    October 11, 2012 at 5:20 pm

    There is absolutely no way for anyone here to know how long it will take you YOUR situation to be over and finished. Might be weeks or months….it will depends on quite a few factors that no one here can account for.

  2. Reply
    October 11, 2012 at 6:12 pm

    These things take time. I would guess about 4-6 weeks, depending on how picky you are about the cabinets.

  3. Reply
    October 11, 2012 at 6:19 pm

    Homeowners is NOT in the business of repairing your home. Repair guys do that.

    The time it takes, will depend on the type and extent of damage. Usually most of the delays, involve in coordinating the contractors.

    I’m completely not understanding, though, why a PLUMBER is coming out to inspect your CABINETRY. You need a carpenter for that, or those water restoration guys.

  4. Reply
    October 11, 2012 at 6:55 pm

    If you have a home insurance claim, whether from a disaster or just a small accident, it’s best to be as prepared as possible ahead of time. To avoid delays and discrepancies when it comes to receiving your homeowners insurance claim settlement, make sure you have a comprehensive home inventoryand that you have documented everything. This should be stored in a fireproof box. Consider storing a second copy at a friend’s home or a safety deposit box.

    If you have a claim, the insurance company must start investigating it within 15 days of receiving written notice. Your insurance company may ask you for additional information, and once you have sent this information, the company has 15 business days within which to accept or reject your claim. If the insurance company does agree to pay for a claim, it must do so within five business days. On the other hand, if your insurance company rejects your claim, it must explain the reasons why in writing.

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