Insurance Tips

Neighbors with insurance:
Your insurance probably has the following difference types of coverage:
Building;
Personal Property;
Debris Removal;
Loss Avoidance;
Increased Cost of Compliance (ICC).
In order to collect under the debris removal and loss avoidance provisions, you should keep track of at least the following:
1. Expenses to remove debris;
2. Time that you and your household members spend removing debris. (This can be compensated based on the Federal minimum wage.)
3. Costs you incurred to protect your building from the flood (i.e., pumps, plastic sheeting, lumber)
4. Hours that you worked (at Federal minimum wage).
5. Expenses you incurred moving your property to safety before the flood including your labor at Federal minimum wage;
6. Storage fees for 45 consecutive days.

Julie Tallman’s email explained the ICC coverage.

Take pictures.
Consider getting a contractor to examine your home and give an opinion as to the cost of repair.
Good luck!
Maurine Braddock