Most home owners have never filed a n insurance claim on their home.  It is the responsibility of the home owner to know and understand the policy they have purchased from their insurance company.  Not all insurance companies are forth coming to what they owe their policy holders when a claim is filed.  Too  often the  home owner must know what to ask for to get the full benefit of the their policy.   Having  assisted hundreds of home owners through their  loss to the  complete renovation of their homes we can help you understand what you are owed based on the policy you have purchased.

Let Quality Mobile Home Repair explain what you should expect throughout the process and even communicate with your insurance agency to get you the results you deserve.

• Actual Cash Value (ACV) - your entire claim will not be covered by your insurance company. Under this type of policy, the insured will be expected to pay a deductible and will not receive recieve reimbursement for the depreciated amount on the materials used to restore the home.  The deductible is the amount of money the insured agees to pay, when purchasing her policy, with every claim that is covered durning the term of that policy.  The labor it takes to repair the damages will be paid by the insurance company but  the
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• Replacement Value Policy (RVP) - your insurance company will pay your entire claim except the deductible. The deductible refers to the dollar portion of the claim that the claimant is legally responsible to pay in each claim. It is extremely rare for an insurance company to pay the claimants' deductible.