What will the repairs cost, and what is covered by insurance?
Detailed Cost Breakdown: Provide an itemized cost estimate for the repairs, detailing labor, materials, and any other expenses.
Insurance Estimate Comparison: Compare the contractor's estimate with the insurance adjuster's estimate to identify any discrepancies or additional negotiations needed.
Deductible Information: Clarify the homeowner's insurance deductible amount and how it will be applied to the overall cost of repairs.
Coverage Limits: Explain the limits of the homeowner's insurance coverage and how these limits may affect the funding of the repairs.
Exclusions and Limitations: Detail what types of damage or repair work are not covered by the homeowner's insurance policy.
Direct Billing to Insurance: Discuss the possibility of direct billing to the insurance company and how this process would work.
Out-of-Pocket Costs: Clearly outline any expected out-of-pocket expenses for the homeowner, including upgrades or repairs not covered by insurance.
Payment Schedule: Provide a payment schedule that aligns with major milestones in the repair process, offering transparency on when and how payments should be made.
Assistance with Claims: Offer to assist the homeowner in navigating the insurance claims process, including providing necessary documentation and advocating on their behalf.
Potential for Additional Costs: Address the possibility of uncovering additional damage during repairs that may affect costs and discuss how such situations would be handled financially and with the insurance company.
