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What’s the effect of extenuating circumstances in filing an insurance claim?

Insureds often face extenuating circumstances that could delay filing a claim or having repairs made. What's the effect on coverage?

By FC&S Editors | Updated on March 15, 2017
D.J. Schloss, left, and Doug Metz, right, shovel off a roof on Abbey Lane in Alden, N.Y., Nov. 20, 2014. The weight of the snow caused problems around the area with roofs collapsing and buildings compromised. (AP Photo/Gary Wiepert)

Question. I have a homeowners’ claim in Maryland with Allstate insurance. It is Allstate’s AP2 policy, which is all-risk and a replacement cost policy. The Building Structure Reimbursement section reads (in the Our Settlement Options section for coverages A &B)

“Under Coverage A — Dwelling Protection and Coverage B — Other Structures Protection, we will make additional payment to reimburse you for cost in excess of actual cash value (ACV) if you repair, rebuild or replace damaged, destroyed or stolen covered property within 180 days of the actual cash value payment. This additional payment includes the reasonable and necessary expense for treatment or removal and disposal of contaminants, toxins or pollutants as required to complete repair or replacement of that part of a building structure damaged by a covered loss.”

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