Generally, there are only three things for which you, the homeowner, are responsible.
1. Deductible -The deductible for any insurance loss is the first portion that the insured must pay the contractor for any repairs completed. The dollar amount is spelled out in your insurance policy contract. We take all major credit cards for the deductible.
2. Depreciation -This only comes into play if you do not have replacement cost insurance. Questions on depreciation need to be addressed to your insurance carrier.
3. Additional Items -You must pay for any additional work, improvements, or updates that are not part of the actual insurance claim. Some policies provide the insurance company with the ability to pay actual cash value with the replacement cost paid only after repairs are complete.