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Nothing is more worrisome than finding out that you cannot live in your home and that you will need to pay additional expenses until appropriate repairs are made. When the cause of your displacement is a covered loss in Lakewood, Colorado, it is possible that you may be reimbursed by your homeowners insurance for the unexpected costs.
Review Your Coverage
Although some insurers may pay for the additional expenses associated with a covered loss until your home is repaired, every policy is different. You may or may not be covered based on the details of your policy and the specific type of coverage that you purchased. Review your policy and read through the details of your coverage before making any decisions. In some cases, a clause or exception may also prevent a reimbursement.
Make a Claim
If you discover that you are covered for those unexpected costs, then make a claim after you have moved back into your home. After the repairs are made and you can move back into your house, the total cost of additional expenses will be available.
Make a claim for the amount that you spent or to the limit, depending on how your policy is designed. Your insurer will want proof of the expense, so keep your receipts and any documents that prove that you paid those additional costs.
Damages to your home may or may not be covered under your insurance policy. When you are not able to live in your house due to damages that are covered, you may be able to make a claim for reimbursement to reduce the financial burden. Contact us to talk to an independent agent to learn more about your coverage.