Our nation is full of do-it-yourself (DIY) people. You can see this in the sheer number of home improvement superstores and DIY repair websites. There’s no doubt that a source of pride for most property owners is being able to repair a leaky faucet or a faulty light switch. It makes sense that when your home is damaged by an unexpected catastrophe your first instinct would be to make your own repairs. You will probably also wonder if your insurer would pay you to fix it. Is it really a good idea to do a DIY insurance claim repair? Is it possible that you are setting yourself up to be disappointed? The answer, like with most insurance questions, isn’t a simple one.
Most of the time, your insurer will calculate how much the repairs to restore your home to its prior condition should cost. After figuring it out, they will write you a check so you can pay a contractor or get materials for a DIY insurance claim repair.
The first thing you need to find out is whether or not your policy allows you to do a DIY insurance claim repair by yourself. Generally, it is allowed, but there are conditions and caveats that you ought to know about before getting started.
Your hands may be tied if, for example, you’re still making mortgage payments. The reason for this is that you may be required to hire a professional by your bank or lien holder. They want to protect their investment and make sure their loan’s value stays as high as possible.
You can be very confident in your do-it-yourself skills, but that doesn’t mean you should automatically take on a DYI insurance claim repair job. Here are some reasons to reconsider:
On the other hand, there could be benefits to taking care of the problem on your own as long as you know what you’re doing. These can include:
After a storm damages your home, your first instinct will be to roll up your sleeves and start working. You may want to carefully consider, however, whether that’s the right choice if you have insurance. Calling Aftermath Adjusters & Consulting first can help you get the highest possible settlement, no matter what you decide. We have certified professionals that have helped countless homeowners receive the maximum payout and get what they deserve.