Insurance Claim Checklist for Home Owners

Construction Defect Insurance Questions and Answers

If you have discovered a construction defect in your home or condo, you would do well to make sure that your insurance company is aware of the problem immediately. Failure to notify your insurance carrier could create serious problems with getting any claim paid, and you could be stuck with the damages as a result.

However, please do not use the following insurance claim checklist as a be-all-end-all for any insurance questions and answers that you may need. If you're not getting the answers you are searching for, you should contact an attorney immediately.

Insurance Claim Checklist

Have you gathered all the documentation regarding the construction of your home?

Have you had your problem examined by an independent authority?

Have you notified your builder in writing of any problems that exist?

Have you contacted your insurance company to alert them of your problem?

Have you gathered estimates for any necessary repairs?

If you've been forced out of your home, have you kept receipts of any expenses incurred as a result?

Have you had the claim process clearly explained to you?

If you are lacking in any of these points, please don't hesitate to take action. Your insurance company may recommend that you contact an attorney, or they may alert you to the fact that they have attorneys working on the situation for you.

However, if you're unsure about any aspect of this process or you're getting the runaround from your insurance company, do not hesitate to schedule a free consultation with your own private attorney, as you only have a certain amount of time to protect your rights.