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

Do cost to rebuild estimates from insurers include architect fees, structural engineering, etc?

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 A builder wouldn’t do a new build to outdated codes, so how would they price out what would essentially be a downgrade?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?

Why does the Insurance company have any say over a REPLACEMENT home I might choose to buy over a REBUILD? What if I want to rebuild a different home than the one that was destroyed?

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…

Our New Jersey home was destroyed in a house fire the week after Christmas. We are a family of 6 that lived in a 5 bedroom single family home. We have 24 months of ALE coverage. Given the time of year and lack of rental…

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…

Our insurer in California increased our coverage without warning or consultation which led to an almost 100% premium increase. Is this legal and do I have any recourse other than looking for another insurer? We are in southern California and there have been fires close…

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?

California Fair plan just did an inspection and has required me to paint my home! The home is cedar shingles that have been in place for decades. They stated my home is at greater risk for fire unpainted. This makes no sense at all! Paint…