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It is evident that there is a variety of types of insurance claims. Besides, you will get the Additional Living Expenses (ALE) test to determine in the event that your house is not habitable. A similar check will be given to you should you not be present and living within your house while the home is being repaired. You might or may not have the ability to manage your pay through the firm that manages your money or loan If the mortgage company you are working with has a mortgage on damaged properties, they will send you a cheque to pay for the repairs. Take note, however that lenders to mortgages may ask homeowners to include their insurance policy on the homeowner's. They will be able to receive any damages for the mortgaged home. Insurers pay Contractors directly Sometimes There are various types of claims that are covered by general insurance. It may be interesting to learn that certain contractors need you to fill out a form that directs your insurance provider directly in order to pay them money. It is important to note that this is a legal document and needs to be read and understood, lest you give your claim in full to the contractor. It is a good idea to talk with your agent prior to signing any paperwork when you're uncertain about the details of something. It is not a good idea to do is give complete decision-making regarding your insurance claim to a roofing contractor or residential plumbers. It is recommended that you inspect the work of the contractor before your insurance company pays the contractor. You are the only person who can perform an ALE check There are a variety of insurance claims. The additional living expenses check is not able to cover the cost of repairs or replacements to your home. You should ensure that you get the check, and the check is not sent to your lender. The check is supposed to be used to pay your bills, such as.