Building Insurance Repairs and What You should Know

Do you have any complaints regarding insurance repairs? Your buildings insurance policy can be handled in a manner that you do not like. It is the responsibility of your insurer to decide whether the repair claim or not. Whenever they come to do the repairs you should make sure that they are done within a specific convenient time, does not lead to more damage, the mess is fixed and replacement is done where necessary. If you are not satisfied with the Building Insurance Repairs done it is advisable that you look at the following before launching a complaint:

Responsible party for wrong repairs

Repairs are either approved by the insurer or their agents and customers respectively. If you are the one who approved the repairs and your insurer did not explain anything to you then you are not responsible for any repair damages. If they did explain then you are liable to all damages resulting from the repairs. On the other hand, if the insurer is the one who approved your repairs then they are liable for all damages resulting from the repair process. However, it is worth noting that there are circumstances where your insurer will still be responsible for damages even if you are the one who approved repairs. Some of the situations are:

• If they inspected the process and certified it
• If you received help from the loss adjuster following a directive from your insurer
• Supervision was done by the insurers or their agents 

In addition, time taken to repair your property is crucial. If excess time was taken then there are chances that you should be compensated. However, determining a reasonable repair time can be a tricky affair. The following are some of the things you should look at to gauge the credibility of your claim if any:

• The nature of your building
• The complexity of repairs 
• Reasons behind the delays 

It is recommended that you study the causes of all delays. If it was because of a missing spare part them examine the behavior of your repairer especially the effort used to get one or an alternative. In case repairs were not well arranged by your insurer or their chosen contractor failed to complete the repair then you have a valid claim to launch.

Alternative accommodation

There are situations that can force you to seek alternative accommodation. This can be because of extensive repairs after a flood or any other acts of Mother Nature. Wherever you are taken or advised to reside as the repair work continues should be equivalent to your property when valued. Please make sure that the normal operation of your family and yourself is not altered by relocation basing on lower standards. Any inappropriate alternative accommodation should attract compensation.

Quality of repairs

If you feel that the work done is incomplete or faulty you are at liberty to launch your complain. Some of the basis that you should use to request compensation includes:

• Refusal to pay some damages by the insurer claiming that they happened before the damage
• If your insurer claims that, the repairs caused more damage 
• Any feeling of dissatisfaction with the service offered 

In conclusion, building insurance repairs should be carried out in a satisfactory manner. The duration and alternative accommodation should be of top-notch quality. Failure to adhere to these requirements by your service provider should attract compensation claims from you. Experts are always willing to help you settle the claims.