Steps To Take After Home Damage: Initiating Your Uae Home Insurance Claim – If you want to put your house up for sale and increase its sale price, you can decide to increase the value by taking on some remodeling and remodeling projects. After all, a house with a sunroom can have a better price than a house without a sunroom. And there’s an excellent chance that new buyers will be enthralled with a chef’s kitchen rather than an outdated kitchen.
But if you’ve ever done extensive renovations to your home, you know that getting building permits is often necessary and can be expensive, time-consuming and often frustrating.
Steps To Take After Home Damage: Initiating Your Uae Home Insurance Claim
Here are some basics of the permitting process and some significant projects that usually require a permit from your local building department.
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Local municipalities issue licenses based on municipal laws. Since there are no federal or state standards, building codes vary from city to city. The only way to find out if your city requires a renovation permit is to visit the website or call.
If you hire a licensed contractor, they should know if the work requires a permit, but as a homeowner, it’s your responsibility to ensure that all renovations are completed legally. Do not assume that permits were administered by the contractor.
Some municipalities charge 1% of the total construction costs to issue the permit and it can take up to six weeks to complete the required inspections. It’s time and money that many homeowners don’t have and are simply not willing to sacrifice. As a result, many homeowners end up avoiding the authorization process. But doing so can be costly.
According to the National Association of Realtors (NAR), failure to obtain the proper permits can stop or delay planned renovations, or complicate or cancel the sale of your home. You must prove that you have obtained the proper permits if you do a home inspection or appraisal. If you put your home up for sale, there’s a good chance the lender won’t advance the loan if they find out that the renovation work was done without getting permits. There is also the added hassle of having to pay fines or – even worse – having to demolish and redo the work.
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It is your responsibility as an owner to ensure that all proper permits are obtained for your project(s), even if you hire a contractor to do the work.
Building permits are often divided into categories, including those awarded for electrical, mechanical, and structural alterations or new construction works. Before applying, you must have plans in place that comply with local codes and regulations. That’s because specific reforms will change the structure of your property as a whole. City officials want to be sure your property will be able to support the work you plan to do.
There is a high probability that you will need a permit if you are planning to make major changes to the area occupied by your home. This includes items such as bedrooms, room additions, most decks, garages, and some sheds. Any project that alters your home’s existing support system—changes to load-bearing walls, decks, porches, and porches—also requires a permit. Here are some other cases where you’re likely to need a permit:
Each municipality has its own rules about which buildings require a permit. Always check with your local planning or building department before starting a renovation.
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Apply for the license through your local municipal government office. Depending on the complexity of the project, some permits are issued immediately, while others may require inspection of the plans.
During the renovation process, job inspections will likely be required. For projects involving home additions, multiple inspections may be required. Once the work is completed, the final inspection takes place and the license is issued.
There are some things you can do around your home without going through the process of getting a permit. Most of them are reasonably minor – most of which you can do yourself without having to hire and pay a contractor. Here are some of the projects that may not require a license:
If you’re renovating your entire home, chances are you’ll need a permit for at least one or some of your changes. A complete home renovation is a major renovation, and if you’re making structural, electrical, or plumbing changes like adding a new bathroom, you’ll likely need a building permit.
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If your home renovations require a permit, but you don’t obtain one, the city building inspector may issue an order to stop the work being done and you could be fined.
There are many renovations that can be done without a permit, including painting your home’s interior or exterior, installing kitchen cabinets, installing hardwood floors, or making interior changes that don’t require structural arrangements.
Most large projects that involve major changes to the structure of your home require a permit. As each municipality has different rules, it is essential to consult your city’s website or call for clarification. Regardless of who does the work, the owner’s responsibility is to ensure the project has the proper permits.
Requires writers to use primary sources to support their work. This includes white papers, government data, original reports and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate and unbiased content in our editorial policy. Property damage and destruction, regardless of the cause, can do considerable harm to any business. On the road to recovery, it is quite normal for a company to experience a myriad of emotions, ranging from shock and uncertainty to sadness and a sense of helplessness and lack of control.
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It is important to take a moment and acknowledge these feelings as they are part of the healing process. Business owners, employees, customers, business partners, everyone is human first.
For those who have recently suffered property damage, we’ve put together this quick review of the road to property damage recovery and preparation for the claims process.
If there were employees present at your company’s location when it was damaged, make sure they are safe first. Take steps to get your staff to safety, and if anyone is injured, contact all first responders (police, doctors, etc.) for assistance and reports.
Once you’re sure your employees are out of harm’s way, do everything you can to protect your business location from further damage. Cover your property if possible to protect it from further damage.
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However, if you believe that your business location cannot be reliably guaranteed to protect these items, you must move all of your undamaged assets, including equipment and inventory, to another facility. However, notification to your underwriter is important to ensure your property is effectively insured.
If you can, make temporary repairs and close the property to minimize further damage. If you have security cameras or other equipment present on your business premises, determine if they are working properly and make sure they continue to work even when your business is not.
Now it’s time to notify your insurance company that your business property has suffered damage. Your insurer will know if you need to get a police report, depending on your situation and the circumstances behind the property damage.
When reporting your losses, documentation is very important. Be sure to take photos and videos of the damaged property. If you have security footage that shows how the property was damaged, back it up and make it available to your insurance company.
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Measures must be taken to separate damaged and undamaged property. Also, it is important that you are very detailed when reporting your damaged property and your remaining inventory and equipment. Know quantities and the value of your property. It’s always a good idea to keep offsite backup records of all bills, receipts and other documents related to your business property in situations like this.
The first step would be to create your own “claim file”, which you can do in a spreadsheet, notebook or any type of accounting or bookkeeping software. So what are you recording? Everything you can, because the more detailed your complaint is, the faster and more complete the process will be.
If you incurred expenses in cleaning your property and protecting it from further damage, make a note of these costs and be sure to also record the hours and wages spent in the process of cleaning and protecting the property after the initial damage.
Any repair or restoration work undertaken by you requires you to retain all receipts, wages and costs as well.
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In the event that you need to file a claim for business interruption costs (loss of revenue and additional expenses) pursuant to your Business Owners Policy (BOP), your financial statements must be as current and complete as possible. Don’t hesitate to ask your accountant or other financial professionals for help.
Even if you have reported a claim to your insurer, it does not mean that the insurer fully accepts the claim; it’s just the first part of the process. However, let’s assume that your
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