Home Repairs: 3 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 – Call Your Claims Adjuster First: Do not have your home repaired or property replaced until both have been evaluated by a claims adjuster — an agent appointed by your insurance company. Read Working with a Claims and/or Public Adjuster for more information and questions to ask.

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. Insured? Ask your agent these questions:
    • What is covered in the rebuilding process?
    • What items will not be covered by insurance?
    • Do you have a list of preferred vendors?
    • Do I need to hire from that list?
  2. Getting repair estimates? Typically, you will be asked to get several estimates.
    • Get an estimate for full repairs.
    • Don’t settle for a patch job. You’re entitled to have your home restored to its full glory.
    • Keep the bids, bills and receipts!
    • Read our articles on hiring a contractor and home restoration company to learn more about what to look for when hiring a professional and tips on questions to ask.
  3. In the rebuilding phase? Read 4 Steps to Rebuilding and Renovating a Damaged Home to learn more.
    • Designate a relative or friend to act as the spokesperson for discussions with the insurance company, construction crew, family and others involved in the rebuilding process.
    • Don’t hire contractors until the insurance company has assessed the damage.
    • Ask your insurance company for a list of preferred vendors and if you need to hire from that list.
    • Contact your local building permit office before you begin to learn what permits you need.