Yes, additional living expenses are usually covered by a policy of Homeowner’s Insurance. This can cover lodging, clothing, food and necessities for a designated time or up to a certain amount set forth in your policy, while your claim is being adjusted or your home is being rebuilt or repaired. If the insurer is not providing these benefits to you, contact the insurance attorneys at the Wells Law Group.
Yes, you have a duty to cooperate and you must provide all the information in your possession the insurer is asking for. If there is information the insurer is seeking that you do not feel they are entitled to, contact an experienced insurance coverage attorney at the Wells Law Group and we can provide you with guidance.
The insurer has the right to completely investigate your claim. Sometimes they will request a sworn statement, which is within their rights. You need to attend the examination under oath and answer the questions as truthfully as possible. However, we would always caution a person about attending a sworn statement without an attorney present, which is your right under your policy. (Please note this does not apply in an accident situation where another person’s insurance company is demanding to take your statement.)
There is no set time frame. The statutes and cases interpreting this say a reasonable time is required for repair. This will likely vary depending on the facts of each case and other external factors. If you think your insurer is taking too long, contact the experienced insurance attorneys at Wells Law Group.