04/28/2026
When disaster strikes your home, most homeowners assume their insurance company will automatically “make them whole.” Unfortunately, that is not always the case. While homeowners insurance is often designed to help cover losses such as fire, storm damage, water damage (where covered), structural repairs, personal property, and temporary living expenses, claim payouts can vary greatly depending on your policy and how the claim is handled.
Meck Brothers Construction has worked on many insurance restoration projects and offers the following advice to help homeowners protect themselves.
Potential Insurance Company Tactics — And How to Protect Yourself
1. Actual Cash Value (ACV) vs. Replacement Cost Value (RCV)
Some insurers initially pay the depreciated value of damaged items rather than the cost to replace them. If your policy includes Replacement Cost Coverage, you may need to submit receipts and documentation to recover the withheld depreciation.
2. Low Initial Estimates
An adjuster’s first estimate may not reflect the true scope of repairs. Always consider obtaining independent estimates from reputable contractors.
3. Delays in Processing
Claims can take time. Keep organized records, save every receipt, and communicate in writing whenever possible—especially regarding hotel stays, meals, and Additional Living Expenses (ALE).
4. Misunderstanding Coverage Limits
Know what your policy covers for dwelling repairs, detached structures, contents, code upgrades, and temporary housing. Many homeowners only review this after a loss occurs.
Key Tips for Homeowners
Document Everything
Take extensive photos and video of all damage before cleanup begins, if safe to do so.
Save Every Receipt
Track emergency purchases, hotel costs, meals, clothing, and repair-related expenses.
Consider a Public Adjuster
For larger or more complicated claims, a qualified local public adjuster may help represent your interests (fees typically apply).
Know Your Policy Before You Need It
Review deductibles, exclusions, endorsements, and replacement cost provisions now—not after disaster strikes.
Need Guidance After a Loss?
If your home suffers damage from fire, water, storm, or another covered event, before navigating the process alone, consider contacting Meck Brothers Construction at:
📞 (908) 955-8250
📧 [email protected]
🌐 http://www.meckbrothers.com
📍 59 East Mill Road, Suite 1-205, Long Valley, NJ
NJ HIC Registration 13VH08955600
Fully Bonded and Insured
