Our home was totally lost to the Colorado Marshall Fire on 12.30.2021.
We were advised by our Safeco/Liberty Mutual adjuster that we needed to obtain an “as-was bid with code upgrades broken out separately” and submit that bid to that same Safeco/Liberty Mutual adjuster, so that the claims team at Safeco/Liberty Mutual can review it in order to come to agreement on what they will pay for, to rebuild our home.
It was recommended, generally, during one of the uphelp.org webinar’s that we would be better served to at least attempt come to an agreement with our insurance adjuster before entering into any contracts with builders.
None of the home builders that we have spoken to have actually wanted to provide any kind of bid for the rebuild of our home until after we have entered into and completed their preconstruction contract and process, which process seems to include soils geotechnical engineering, site surveying, structural engineering, elections of interior and exterior package selections etc.
We learned about and then worked with a local Certified Professional Estimator (CPE), and paid $2700 for that estimator to work up and email us a detailed estimate of the costs to rebuild our home, that we lost to the fire, on the day that the home was lost, 12.30.2021.
We submitted the estimate document that we received from that CPE, and a copy of the invoice for that estimate that shows that we paid the $2700, to our Safeco/Liberty Mutual Adjuster who normally handles the intake for our Additional Living Expenses/Loss of Use coverage. That adjuster emailed back that he was referring the estimate, and the invoice showing that we had paid for it, to the adjuster that handles our home rebuild claim submission intakes.
We got an acknowledgment back, from that second adjuster, saying that the $2700 that we paid for that estimate would not be considered for payout until we had spent all of the money for the Main Dwelling A coverage that Safeco had already paid out – that they would consider reimbursing us for that $2700 once we got all the way through the Main Dwelling A coverage funds expenditure for the rebuild of home and into the Extended Dwelling coverage funding for the rebuild of our home. They further explained that we had to expend the whole of the Main Dwelling A coverage funding before they would be able to payout on any Extended Dwelling Coverage claims, or any Law and Ordinance claims – AND that those additional claims would only be paid out as they were expended.
We were more recently advised during an uphelp.org Survivor to Survivor forum that we should be able to get reimbursed for the $2700 estimate cost out of our ALE coverage funding.
I just emailed my Safeco/Liberty Mutual adjusters and asked if they could please reimburse the $2700 estimate cost out of our ALE funding. They emailed back to say no, and to reiterate their answer from before, as detailed above.
Should we have any reason to believe that Safeco/Liberty mutual is obligated to reimburse that $2700 out of our ALE coverage?
If so, what is the best way to go about trying to convince them to do so?