After a Fire - Repair or do again (insurance question)? The house didn't burn to the ground but what was vanished standing...
The house didn't burn to the ground but what was vanished standing is smoke and water worn out. The fire came through the roof. Can the insurance company force you to "repair" the home (rebuild using existing foundation, joist, etc) or do you have the choice to start over from scrape if the damage have reached a persuaded point?
Answers: Many times the amount of the settlement is really negotiable within terms of the examine of what is to be replaced and what is to be repaired. You may do well to hire a professional to minister to you assess what needs to be done and support argue your case near the adjustor.
In the end you usually conclusion up with a check for so much and it is up to you to do what you want contained by terms of repair or replace.
your insurance company will determine if it is a total loss. Most times the tattered wood is replaced. Any additional wood is consequently sprayed with Kilz primer. As far as starting from cut into, read your policy. Your policy will describe what is to be done. Any questions should the be directed to your agent that sold you the policy. Your agent works for you! Your agent can be a big give a hand as an arbitrator.