How The Payment Process Works

Most likely, the first check you receive from the insurance company will be an advance, and not a final payment. You may also accept a check for the total amount if you are offered a "on-the-spot" settlement. However, before signing any settlement papers, be sure to understand what the check covers and what it does not. Be aware of any release of further liabilities that initial settlement offers may require. Unless you release the insurance company from any further liability, under most circumstances, if additional damage is discovered later, you can "reopen" the claim and request additional compensation. As with your initial claim, you must notify your insurer immediately upon the discovery of additional damage.

In case both your personal belongings and the structure of your home are damaged, most likely you will receive two separate payments from your insurance company. Also, if you claim any additional living expenses, that too will be paid through a separate check.

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