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action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /home/propertyinsuranc/public_html/wp-includes/functions.php on line 6114One question I get asked by clients after a storm has damaged their home is: \u201cCan I start making repairs?\u201d This can be a difficult question as the real-world factors of cost, time, availability of materials, and labor are important considerations. It is also important to understand how repairs can affect your insurance claim as most residential insurance policies I deal with include what appear to be contradicting duties to mitigate and the duty to allow the insurance company to inspect.<\/p>\n
In a recent Hurricane Harvey case, Stokley v. Allstate Texas Lloyds<\/em><\/a>,1<\/sup> the trial court addressed whether starting repair work waived the insured\u2019s right to demand appraisal. In Stokley<\/em>, the insured filed an insurance claim, ultimately filed a lawsuit, and then invoked appraisal. Allstate refused to submit to appraisal, making several arguments why appraisal was inappropriate\u2014one of which was that the insured had already repaired some of the damage, the fence.<\/p>\n The court looked at the fact that only part of the property had been repaired and that the repaired property was only part of the claim, and ruled repair of the fence did not negate the benefits to be gained by appraisal of other property damage.<\/p>\n Whether repairs to damaged property will harm your insurance claim is a fact question that is case-specific. Some of the considerations should be:<\/p>\n It is always a good idea to keep invoices\/receipts to show the cost of the repairs and take pictures of the damage before repairing.<\/p>\n If you have a question about repairing your property or your insurance claim in a specific venue, feel free to contact a Merlin Law Group attorney<\/a>. One question I get asked by clients after a storm has damaged their home is: \u201cCan I start making repairs?\u201d This can be a difficult question as the real-world factors of cost, time, availability of materials, and labor are important considerations. It is also important to understand how repairs can affect your insurance claim as …<\/span><\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[],"tags":[208,282,4,204],"class_list":["post-24582","post","type-post","status-publish","format-standard","hentry","tag-duty-to-mitigate","tag-hurricane-harvey","tag-insurance","tag-postloss-duties"],"acf":[],"yoast_head":"\n\n
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\n1<\/sup> Stokley v. Allstate Tex. Lloyds<\/em>, No. 2:19-cv-00197 (S.D. Tex Oct. 18, 2019)<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"