Please advise -

Thank you -

Dony

Let me try to answer them one at a time.

1. First of all, I cannot tell you if you have coverage in your homeowner’s policy for a certain scenario without reading your policy. Every company has polcies which differ in policy language including exclusions, conditions, and coverages. But generally speaking, if you had a walk-in shower that was leaking behind the walls (meaning you were unaware it was leaking until it causing your ceiling to cave through) then there should be coverage for the resulting water damages, which would be replacement of the ceiling. However, the policy would not pay to fix the leaking shower.

2. Okay, here’s how filing a homeowner’s claim works: An adjuster will be assigned to your claim. You cannot request that an adjuster NOT be assigned to your claim. They are the only people that handle insurance claims, because they are licensed by your state to adjust insurance claims. An adjuster will schedule an appt with you and they will inspect your damages. Once they determine coverage, they will prepare an estimate for what they think the damages will cost. Then, they issue you a check and you use whatever contractor you want to get the work done. Some companies may offer some names of contractors to do the work and some companies will even guarantee that contractor’s work if you use them. However, they can never force you to use a certain contractor. Insurance companies are in the business of paying claims, not rebuilding houses.

I hope that answers your questions. If you have more questions, email me from the moneycrashers contact form. I’d love to help you out further.

I want to know if this is covered by my homeowner insurance and is it better to use an adjuster or find a contractor myself.

If these things are covered by homeowners insurance, can’t I file without an adjuster?