By Buchanan Maldonado
When a fire, burst pipe, or mold issue hits your home, the real shock often comes after the flames are out or the water is gone. That’s when you find out whether your restoration team — and your insurance policy — are truly up to the job.
Recently, professional contractors like RemediH2O have been highlighting the importance of industry-standard fire and water restoration: certified teams, proper drying and dehumidification, soot and smoke removal, and thorough documentation for insurance. Skipping those steps or going “DIY” can leave you with hidden damage, mold growth, and claim headaches that show up months or years later.
But there’s another piece most people overlook: Loss of Use coverage (Additional Living Expense).
If your home becomes uninhabitable due to fire, water, or mold, Loss of Use coverage helps pay for:
Temporary housing (hotel or rental)
Extra food & transportation costs
Storage or boarding expenses
Other necessary increased living costs
Without the right limits, you could end up paying for a second place to live out of pocket while still covering your normal mortgage or rent. That’s a financial squeeze no family wants during an already stressful time.
This is where working with a professional, licensed insurance broker really matters. My role is to:
Review your current policy for gaps (especially Loss of Use)
Match you with carriers that fit your needs and budget
Advocate for you when a claim happens — not for the insurance company
If you’re not sure whether your coverage is strong enough to protect you after a major fire, water, or mold loss, let’s take a look before you need it.
👉 Start a personalized quote or policy review at: Quote.BuchananMaldonado.com
Buchanan Maldonado 