Rebuilding After Losing Your Home
A comprehensive resource guide to help you through the transition of losing your home to your next steps.
Ensure Safety and Well-Being
Evacuate the area if necessary and follow emergency instructions. Check on the well-being of family members and pets. Seek Medical Attention If needed.
Contact insurance when the time is right
Notify your insurance company as soon as possible. Understand your coverage, including temporary living provisions.
Find Temporary Housing
Utilize insurance provisions for temporary living expenses (typically up to 2 years). Consider staying with friends or family if possible.
Secure Old Home Site
When safe to return, search for valuables and assess damages. Consider temporary fencing to prevent looting or unauthorized access.
Receive and Review Insurance Adjustor's Estimate
Understand the adjuster's RCV estimate (often Xactimate), compare with policy coverage, and get Madelia or local builder estimate for accurate local rebuilding cost. Use Madelia's detailed estimate to negotiate with insurer; ensure full entitled amount and guard against underinsurance, considering contents funds cautiously.
Create an Inventory of Lost Items
Document lost possessions with photos or videos if possible. Thorough documentation is crucial for insurance claims. Include purchase dates, values, and any available receipts. Consider using a digital tool or app to organize and store this information securely.
Create a Budget
Create and discuss a budget that is right for you.
Start Reconstruction Proces
Interview builders, architects, and contractors.
Design New Home
Collaborate with professionals to create a design that meets your needs and budget. Obtain necessary permits and approvals.
Build New Home
Monitor construction progress and communicate with your building team
Consider Emotional
Support
Seek Counseling or support groups if needed, as losing a home can be a traumatic experience.
Revaluate Insurance Needs
Review and update your insurance policy to reflect your new home and possessions.
MADELIA'S VALUE AND MISSION
We are here to guide you every step of the way.
Personailzed Home Replacment estimates
Insurance
Negotiations
Professional
Network Hub
EXPLORE RELATED RESOURCES
In the event that you've lost your home, our rebuild consultation services can provide you with the guidance you need to take the next steps towards rebuilding. Our team of professionals is here to offer you support, advice, and expertise to help make your rebuild process as smooth as possible.
30 min