Is this the only check? So the carrier has sent you a check. Does signing it mean you agree with their estimate? In a word, NO. When they send you the check this is not a settlement notice. Take the check and deposit the funds. However, if you don't do anything else then this may very well be the only check you will receive, especially if you don't take action and fulfill your duties under the loss. You have informed them you have a claim. Great! Now, tell them how much you expect them to pay for the damages. They will not simply write you a blank check. Begin the process of getting estimates to them. Document all interactions and start recording your conversations with them on the phone, create a file that includes photos, the actual policy, and the estimates the time logs of how long the carrier is taking. Treat this claim like it may not go your way. Eighty-six percent of insured do not fight back against their carrier, even when the estimate will not cover the costs of repair. The loyalty to the carrier is really amazing. If you are not interested in hiring a professional to handle and assist your claim, then at least start collecting estimates for the proper repair of your property. The carrier will only take the claim as seriously as the insured does.
