Aloha, our house on burned down to the ground on 8/8/23 during the Maui Lahaina wildfire; our insurance has so far played nice; but I’m finding it difficult to interpret the different coverages incl. the policy states that we need notify the insurance after a 5% improvement to the dwelling, well we pretty much rebuilt the entire house and lived there for 4 months before it burned down and no, we didn’t notify the insurance.
While the policy includes $250K for Dwelling A the actual rebuild cost will be more like $500K and so we do have an extension/expansion to the policy of 25% but not sure if that counts when we didn’t notify them of the improvement.
We have other questions as well and would like to connect with an expert to discuss these if possible.
Any advise is greatly appreciated during this challenging time.