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Whose name will appear on a settlement check?
When can I expect to receive a settlement check?
I have Replacement Cost (RC) coverage.
When do I pay my deductible?
What should I do immediately following a loss?
When will someone come to see my damaged home or belongings?
Do you help locate a contractor for repairs?
Whose name will appear on a settlement check?
We may be required by state laws and policy language to include any mortgagees/lienholders on your settlement check(s). If a mortgagee/lienholder's name appears on your settlement check(s), the mortgagee/lienholder must sign off on the check before it can be cashed. You should contact your mortgagee/lienholder directly to determine the process for cosigning/cashing settlement checks.
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When can I expect to receive a settlement check?
You will receive a settlement check from MetLife Auto & Home as soon as we've confirmed coverage and completed an investigation and comprehensive damage estimate. In many cases, claim adjusters issue checks immediately after completing their inspections and estimates. If necessary, you will receive any other authorized supplemental checks once proper reinspections are performed or when your claim adjuster prepares a supplemental estimate.
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I have Replacement Cost (RC) coverage. How will you pay my claim?
In the event of a covered loss, we first pay you the Actual Cash Value (ACV) for the damage to your property. When you replace the item or complete the specified repairs, we pay you the difference between the Replacement Cost and the Actual Cash Value amount previously paid. The total amount you will be reimbursed is subject to the terms and conditions of your particular policy, including deductible and limits.
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When do I pay my deductible?
MetLife Auto & Home will give you a complete damage estimate after a loss. This estimate will show the total dollar amount of your covered loss, less your deductible and depreciation (if applicable), and the net amount we will pay toward the loss.
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What should I do immediately following a loss?
Our main concern is for your safety. Please protect yourself and your property from further damage to the best of your ability. To do so, we recommend that you:
• Complete temporary repairs to your property immediately. That may mean patching walls or roofs, for example, or covering shattered windows with plywood and/or heavy-duty plastic.
• Save receipts and invoices associated with any emergency repairs to give to your claim adjuster.
• If your loss is related to a theft, file a report with the police department and keep a copy for your adjuster. The police report should include a detailed list of the items damaged or stolen.
• Make a room-by-room, written assessment of all damaged property, including descriptions, original costs, and approximate ages. For help, download our free Personal Property Inventory Kit.
• Contact your agent or call MetLife Auto & Home's claim service team
o By phone: 1-800-854-6011
o By fax: 1-866-743-1546
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How soon will someone come to see my damaged home or belongings?
Once you've reported your claim to us, we will have a claim specialist contact you within 24 hours. The claim specialist will review your damages, help organize temporary repairs if needed, and establish a date for inspecting the damages.
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Do you help locate a contractor for repairs?
MetLife Auto & Home has partnered with Crawford Contractor Connection network to provide construction repairs following a property loss. Your Claim Service Associate would be glad to assist you in verifying that this service is available in your area as well as scheduling an inspection of your property. This network of professional contractors provides our customers with many advantages following a loss. Securing a contractor that has expertise in the insurance repair arena is challenging, but we have made it a little easier by leveraging the benefits of this network of certified firms. There are many benefits to selecting a contractor from this network of professionals, several of which are listed below:
• Over 2,200 certified General/Specialty Contractors nationally
• Two-year warranty on materials and labor provided
• Continuous contractor credentialing process
o Financial stability of the firm
o Proper licensing
o Complete insurance protection
• Strict performance standards that are monitored and measured.
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