Coverage can vary significantly by carrier, policy and the cause of loss. Some homeowners policies may cover certain cleanup or property-damage costs connected to a covered event, while others may exclude or limit portions of the work.
Call your insurer early
Ask whether the event is covered, whether pre-authorization is required, what documentation is needed and whether there are limits or deductibles that apply.
Do not assume coverage
A cleanup company should not promise that an insurer will pay a claim unless that coverage has been confirmed. The safest approach is to review the policy and speak directly with the carrier or adjuster.
Document the loss
Keep claim numbers, adjuster contact information, invoices, photographs and any written scope of work that may be requested during the claim process.