Don’t agree to anything until you have acquired a firm estimate from a legitmate contractor to repair the damage. Study your policy to understand the limitations of coverage. Play nice with the adjuster in the meantime, but if you get a whiff of lowballing, and they will likely try, retain an attorney and offer to settle for the maximum under your policy.
Then, regardless of the outcome, be prepared to find a new insurance company, because they will drop you for having filed a claim. Nothing personal on that one, even though it seems like a slap in the face to a homeowner. Actuarial tables show that those who have had a claim paid out are far more likely to have another in the immediate future, and they’re cutting their losses.
I rcvd 25G’s for a 200 year old POS collapsed barn this winter and renewed in April with no rate increase
“Then, regardless of the outcome, be prepared to find a new insurance company, because they will drop you for having filed a claim.”
I have filed HO claims in TX and AZ with different companies and have never been dropped (I switched companies of my own accord). Prior to retirement I worked in Auto Claims for decades and had associates in the HO Claim dept. There was no policy in place to “drop an insured for having a claim”, as they often handled claims for the same homeowner over a multi-year period. Sorry that your mileage obviously varied, but as a blanket statement that’s incorrect.
I have heard about getting dropped after filing a claim.If it is a small claim i e..... 6 ft fence panels X4 a computer blown a TV?