How long can I wait to receive the rest of a homeowners insurance claim in SC?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 29, 2013

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Insurance Question from Gaffney, SC

Asked on 11/29/2013

How long can I wait to receive the rest of a homeowners insurance claim in SC? I RECIEVED PART PAYMENT FOR HAIL DAMAGE AND WAS TOLD WHEN THE NEW ROOF WAS PUT ON I WOULD RECIEVED THE REMAINING AMOUNT. HOW LONG WILL THIS BE HELD OPEN? I RECIEVED PART OF PAYMENT IN MAY, 2011. I PLAN ON GETTING THIS WORK DONE IN A FEW WEEKS DUE TO ROOF IS NOW LEAKING.

Answer given on December 05, 2013

When there is a homeowner loss the insurance company will sometimes make a partial payment of the damage, based on depreciated values, until the actual repairs are made by the homeowner.The insurance company will keep the claim open for a period of time. Each company has their own practice of how long the claim will remain open. They will often contact you over that period of time reminding you they are waiting for the final repairs and invoices. If they feel it has taken an unnecessary time, they will close the claim. However, they will notify you that they are doing so.Even if they have closed the claim, they can reopen it when they receive the necessary paperwork from you. You should call them when the work begins and ask them to reopen the claim. Be aware that if there has been further damage to your home due to your failure to make the repairs they will not be willing to pay for the additional damage.


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