Hello and thank you for your time,
I’m looking for advice after I had a total loss detached garage fire in February and came to find out my garage was vastly under insured. I bought this home, my first, in 2021 and unfortunately didn’t know the the garage would be only covered for 10% of the home policy (which is vastly short of recovering the losses). Thankfully the home is alright but I had pavers and a retaining wall around the garage area that were destroyed in the fire and clean up. The pavers and retaining wall lead to my home. The claim on the Other Structure (garage) reached its limit easily.
My adjuster has been very distant, has showed lack of attention to detail throughout and went months without responding to questions I had. Recently he went on leave without notice and a new adjuster took over. It hasn’t felt like these people have “been on my side.”
My contractor has a focus on home restoration after events like this and has been adamant that the pavers/retaining wall should be covered as a part of the Dwelling portion of my claim. He states because the retaining wall and pavers lead to my front door, this should be included in the Dwelling. The insurance adjuster states differently and that they don’t cover any of this.
Does anyone have insight into Other Structures and coverage around things like the paver walkway and landscaping? It feels like we are going around in circles and I’m not sure whats true any more. I’m hoping the pavers/retaining wall are included into the dwelling so I can afford to repair them but I’m not sure if it’s a lost cause. If they should be included in the Dwelling (like my contractor states they should), do you have advice on how to get to that point with the insurance adjuster?
I appreciate any insight and assistance in navigating this. Thank you for your time and response!