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Posted by: thepinetree on 09/21/2015 02:52 PM
Updated by: thepinetree on 09/21/2015 02:52 PM
Expires: 01/01/2020 12:00 AM
:
An Update On Filing Fire Damage Claims From State Farm
San Andreas, CA...As the devastating Northern California wildfires continue to burn – the Valley and Butte Fires have destroyed thousands of acres and hundreds of homes- at State Farm we would like to remind customers the steps they can follow to seek assistance.
What to Expect from the Claims Process
- Customers who have suffered damage should contact their local State Farm agent, call 1-800-SF-Claim, or log onto StateFarm.com to report it.
Additional Living Expense (ALE)
- ALE is the portion of a homeowners or tenant insurance policy that protects you in the event that a covered loss causes the residence premises to become uninhabitable.
- Provides coverage for the necessary increase in cost you incur to maintain your standard of living for up to 24 months
- The homeowners or tenant policy deductible applies to this coverage.
- Save receipts of your additional living expenses for your claim representative.
- Coverage subject to all the terms and conditions of the insurance policy contract.
Hiring a Reputable Contractor
- Contact your local home builders association or remodelers council for a directory of reputable contractors.
- Make sure the contractors are currently licensed, registered and insured.
- Get at least three different estimates.
- Insist on a written contract that includes: contractor’s contact information, project timeline, payment schedule and permit requirements.
- Signs of Poor Business Practices or Possible Scam Involving a Contractor:
-Pushy door-to-door sales tactics or unsolicited calls are common after a disaster.
-Promising discounts for using leftover materials or for referring other customers.
-Insisting on a large deposit or cash payments in full.
-Asking you to secure building permits.
-Unwillingness to provide local contact information
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