What should I do if I experience a loss to my home or property?
Do what is necessary to mitigate your loss and prevent further damage by arranging for reasonable temporary repairs as soon as possible. Any occurrence or circumstances that could give rise to a claim must be reported immediately
The adjuster may recommend contractors but ultimately the choice is up to you
If you prefer to use a contractor known to you, then you provide your contractor with a scope of the damage as outlined by the adjuster
What if one contractor’s estimate is higher?
If two or more estimates are obtained, the policy will pay the most reasonable estimate
If you have questions regarding the difference in estimates, contact your adjuster. The difference in contractors will be discussed and referred to Premier Marine to achieve resolution
What if more damage is found once repairs begin?
Contact your adjuster before any additional repairs are made. Depending on the additional damage, we may need to inspect your home/property again
How much will my policy pay?
You will be indemnified for the costs incurred, based on the policy in place
All policies have a deductible that is paid by the policy holder
Some policies may contain an actual cash value or depreciation clause. Please inquire for details on your specific claim and policy wording
Any upgrades to your home or property during the course of the repair will be at the policyholder’s expense
A check for repairs will be issued directly to the home owner. If you have a mortgage loan, the name of the lender may also appear on the check because of their legal and financial interest in the property