The Basics Of Getting Insurance Appraisals For A Damaged Pool

by Pool Builders on 08-29-2010 in Articles

If you have a pool that needs repairs and you're going to file a homeowners' insurance claim, you'll need a reliable pool service contractor to perform an appraisal. That means the contractor will need to come to your home, check out the damage, verify for the insurance company that the damage occurred in the manner you're claiming it did, and provide a detailed cost estimate for the repairs.

If you think you have an insurance claim, find a contractor who can examine all types of damage. That includes things like damage from weather events like snow and ice; items blown, thrown or dropped into the pool; vandalism; natural erosion; and other natural disasters like cave-ins and earthquakes. Whatever the damage, you should document anything and everything when you first discover it. Get pictures and video -- from every angle possible, and as much as possible. The more pictures you have, the fewer questions the insurance company will have, and the faster your claim will get processed.

After you get pictures, do your best to prevent any further damage from being incurred. That might mean calling a professional to remove that branch or tree or boulder from your pool. But calling a professional isn't simply a matter of picking the first search engine result. Here are a few things to consider when hiring someone to take care of pool damage.

Don't pay for estimates. An insurance appraisal is just another kind of estimate, and you should never pay for an estimate. Any contractor who asks you to pay for an estimate should be dropped from your list immediately.

Watch what you sign. Don't sign anything that allows your contractor to get paid directly by an insurance company. If that happens, you might lose control over the repair, and the insurance company will be of very little help. Remember: The money goes to you, then to the contractor.

Don't commit insurance fraud. It sounds simple, but it's easier to commit insurance fraud than you might think. The easiest way to do it is to let a contractor convince you to lie on an insurance claim. Remember: You're the one filling out the claims, so you're on the hook for any misstatements made on them.

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