Home Repairs: Steps to Follow

Before you begin do any restorations make sure you do it right: contact your local building official. He or she can let you know what the codes require as you do your work, and can provide you with assistance so that you can make improvements properly the first time.

WHN EXPERT TIP: Get Your Claims Adjuster First

Do not have your home repaired or property replaced until both have been evaluated by a claims adjuster. A claims adjuster is an agent appointed by your insurance company. To learn more about claims adjusters or what to ask an adjuster, read our article Working with a Claims and/or Public Adjuster

In many cases, waiting a few weeks (or months) to repair your car or house will cause no further damage, and prices are sometimes more reasonable after the initial rush is over. However, if the roof of your home is leaking or your car's windows are broken, repairs should be made as quickly as possible.

  1. If you are insured, ask your insurance agent to provide an exact list of what is covered in the rebuilding process. Ask them to explain what items will not be covered by insurance.
    • Also ask for a list of preferred vendors and ask if you need to hire from that list.
  2. Repair estimates
    • Typically, you will be asked to get several estimates.
    • Get an estimate for full repairs. You’re entitled to have your home restored to its full glory, not just patched up. Keep the bids, bills and receipts!

  3. Rebuilding
    • Be safe, be smart.
    • Read our article Rebuilding and Renovating to learn more.
    • Designate a relative or friend to act as the spokesperson between the insurance company, construction crew, family and others involved in the rebuilding process.
      • Wait to hire contractors until the insurance company has assessed the damage.
      • Also ask for a list of preferred vendors and ask if you need to hire from that list.
    • Contact your local building permit office to check and see what permits you need before you begin.
    • Read our articles on Hiring a Contractor and Hiring Damage Restorers to learn more about what to look for when hiring a professional and tips on questions to ask.