re: Need advice on dealing with my homeowners insurance claim.

quote:

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pretty much told me he would try to get me money to remodel most of my kitchen from the damage and fix the plumbing.

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Wait till you see his estimate, more than likely the estimate will be written in Xactimate software, if you have trouble reading it let me know. This software takes into account labor, material and equipment cost by zip code update monthly for the entire country. It does a very good job of estimating damages if the adjuster puts all the components needed for repairs into the claim.

If the damage is real extensive you might need a contractor, chances are you do not. DO NOT USE HOME DEPOT or LOWES for repairs!!!

The adjuster will call you back and send you an estimate, there is nothing to sign. If there is stuff missing from the estimate, don't worry about it, it can be handled on a supplement. What I would tell you is not to have the contractor start working on repairs till and pricing discrepancies are settled.

Most insurance companies write the estimate, then subtract off the deprecation (this is money you will get back when the repairs are complete) and the deductible (this is your responsibility of damages for the claim and will not get back) and send you a check for the rest of the damages.