You believe your home has sustained some damage, but you’re not sure if you should make an insurance claim. You have a lot of questions:
- Is it worth it to make a claim?
- How can you tell if the damage will cost more than your deductible?
- Will your rates go up just for calling your insurance company?
All of these are valid questions. For these questions and more, you can call the free claims advice line of RBC Insurance at 1-866-953-8285. A claims adviser will assist you regardless of who you are insured with and you can call anonymously. You won’t have to give your name, insurance company, policy number, or any other identifying information if you don’t wish. You will get impartial information pertaining to your specific situation. Their experience and guidance can help you decide your best course of action.
Selecting a Contractor
Once you’ve decided to proceed with a claim, how do you select a contractor? Your insurance company may have a list of preferred contractors, who may be good and reputable, but maybe you have never heard of most of them and chances are wouldn’t hire them if your insurance company wasn’t involved. In these circumstances, many people are just pleased that they are getting a considerable amount of work done for only the cost of their deductible, so they just go along with their insurance company’s selection. However, insurance companies will not force you to use their recommended contractors. You can select your own contractor, just as you would, with the proper care and research, if you weren’t making an insurance claim. With all due respect to the insurance companies, the reason many of their contractor’s are preferred, is that the insurance company’s prefer to keep costs down. The reality is that they operate a business and have to watch the bottom line. If your insurance company has preferred contractors, you may be satisfied with how everything turns out, but it’s your home and likely your biggest asset, so why not put yourself in a position to be “more than just satisfied”?
Did You Know?
When making an insurance claim you can select your own contractor.
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