Planning ahead and communicating regularly with your contractor will help improve the experience. For a smoother renovation or restoration:
- Budget for the Repairs: Work with the contractor to determine an estimate of costs for the project. Bear in mind that you are responsible for your policy’s deductible amount, which you can find on your policy’s declarations page.
- Develop a Clear Contract: Detail the scope of work, payment schedule, and dispute resolution plans in a written contract.
- Communicate Regularly: Maintain open communication with contractors throughout the project and address any questions promptly to avoid delays.
- Protect Your Home: Make sure contractors take adequate steps to protect the areas of your home around the project. For example, they can cover floors with construction paper and furniture and appliances with tarps.
- Decide Whether to Stay in Your Home: Speak to the contractor about whether you plan to stay in your home during the repairs. Consider factors like the project’s scope, length, budget, and personal comfort. Keep in mind that living through a repair and restoration can increase costs due to daily setup and teardown.
Keep in mind, if you are a Tower Hill policyholder, you are eligible to receive service from CastleCare, powered by Alacrity Solutions, a credentialed contractor network that ensures you have contractors who are financially secure, insured, and licensed. In addition, CastleCare’s Quality Assurance Program provides both convenience and quality assurance with warranties for completed projects: five years for contractor workmanship and one year for materials.
Learn more: CastleCare – Tower Hill Insurance
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