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What you can expect may vary from company to company, but in general your company should cover from one to two years of expenses while you are working to fix up what was just done to you. That said, they will normally not pay until your claim has been investigated thoroughly. The one exception to that rule is during major disaster that effect many people in one area such as an earthquake or tornado. Often times in that situation, companies will dish out a week or two’s worth of expenses to give their customers some money while the investigation takes place.
One thing that you should do, since you generally have to wait to get your insurance check, is to have a safety or emergency fund available to you somewhere. Don’t hide it in your house either, but cause in the case of a disaster your insurance company will only cover about one hundred dollars in missing cash. Putting this money in a national back is the safest way to ensure that you have access to it. You will want to be sure the even if something drastic happens in your area and to your local bank, you can still get your money out.
If people have poor insurance, or insurance that doesn’t cover enough, they normally find out in the time a disaster. This is the worst time to find out, because there is nothing you can do about it at that time. So be proactive and take a look at your insurance now. If you have good coverage, you should be covered for up to 120% of your home’s value. Also look at the disasters that your policy covers. If you find that there is a regularly occurring disaster in your area that you aren’t covered for, you may want to investigate how to add coverage to your policy.
For people whose insurance coverage has come up short they can sometimes turn to the government. Not everyone will qualify, but some can get help from FEBA or possibly a government loan through SBA. These loans come with very low interest rates and a homeowner can be loaned up to two-hundred thousand dollars to rebuild and up to forty.
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