The Importance of Keeping Proof of Repairs after a Homeowners Claim

In the event of an unexpected disaster such as a hurricane, fire, or water damage, we understand the challenges you face – from the emotional toll to the claims process and, often, proof of repair requests months later.

With the recent damage caused by Hurricanes Helene and Milton, we want to remind you to save your repair receipts. Why is this proof of repairs so crucial? It’s because the state’s largest home insurance carrier requires it, and we want to ensure you remain fully covered.

Key Recommendations for Tracking Proof of Repairs

1. Maintain Receipts for Damaged Items: Retain receipts for all affected property and repairs, as your insurance carrier may require this documentation. It’s wise to keep all related paperwork, including claim documents, bills and estimates. If possible, consider digitizing your receipts for easier access.
2. Be Prepared for Future Proof Requests: Keep in mind, your carrier may ask for proof of repairs once work is complete and even at a later date, such as renewal time. Having this paperwork can also benefit you if you decide to shop around or “remarket” your carrier in the future, as it showcases improvements you’ve made to your property.
3. What to Do if You Can’t Find Your Receipts: There are still options!
   • If Paid by Credit or Debit Card: Contact your creditor or download a PDF statement from your online account that shows the transaction.
   • Reach Out to the Contractor: Contact the company or contractor who performed the repairs. They may be able to provide a duplicate invoice or a letter verifying the completed work.

We’re here to help! If you have any questions throughout this process, please contact our office – we’re committed to supporting you every step of the way.