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Can you provide a list of items that are commonly left out in estimates?

My adjuster said that architect plans specific to building code upgrades are also part of our building code limit and wants the firm to price that portion separately. Any insights? I will greatly exceed my code limits.

Our adjuster gave us an estimate with a very small amount for code upgrades, without explanation. In response to a question about it, they said they would revisit it in the future when we rebuild and get evidence of what the upgrades cost. Is this…

How do you distinguish code upgrades for what is essentially a new build? A builder wouldn’t do a new build to outdated codes, so how would they price out what would essentially be a downgrade?

Our policy includes code upgrades, but our city may be waiving some of the codes they added last year. Do you think we can still get funding for code upgrades if our city had them originally but is waving some now?

Can you tell us how our HOA townhome coverage works with our individual townhome insurance policy?

I have received my 83 page dwelling estimate. It is generated through Xactimate. I have a neighbor who has a similar floor plan and model to mine and same sq ft. His estimate is significantly higher than my estimate. The difference is over $350,000. Can…

A friend has been told that Colorado Law requires that insurance companies pay for code upgrades when figuring the rebuild cost for a destroyed house, and that this is true even if you have reached the maximum of your insurance limit without including the cost…

I purchased a home in November, 2021. I spoke at great length and on at least 3 different phone calls with my insurance agent going over all the details of the property. The agent viewed the mls listing of the home, pulled county records and…

Hi there, We had extensive fire damage due to human negligence. The neighbor’s insurance is subpar, and they are claiming that we have to figure in “depreciation.” I’m upset to say the least. The fire damage includes a rather large retaining wall, etc. Any advice?

Our house was devastated and more or less destroyed in a wildfire 3 years ago. We were dramatically underinsured, but approved by Geico for the limit of our policy with ability to submit for an extra 25% on back end. Our agent left/retired. And three…

I have been told that I need to notify my insurance company that I will be claiming Replacement Cost within 180 days after the loss. What is this?

Good Day, I lost my home in the Glass Fire in September of 2020. As you know, that is when the real estate market went crazy, the supply chain tightened, and commodity prices went through the roof. Is it possible to receive payments that exceed…

How does the extended coverage work if you don’t build exactly the same thing you had before? Say you build a slightly smaller house but want some additional features you did not have before like solar panels?