With the economy still turbulent and more and more people being forced into either early retirement or being laid off, the amount of foreclosures has most recently been on the rise. People are also in fear of losing their homes to natural disasters and Denver, Colorado is no exception.

When disaster strikes in Denver, people very often anticipate that their insurance company will come through with payments to contractors for their homes.  One of those payments probably needs to go to a service for a board up service.  There are many different ways that insurance companies work with board up services.

One way that insurance money is paid for services for board up is after the service has been performed.  When you have an emergency like a theft or vandalism, you would then call the board up company and they immediately dispatch someone to come to your home.  You  are expected to pay for the service up front   You would then take your receipt from the contractor to your insurance agent and submit it for payment on your homeowners’ insurance.  After all the paperwork is done and it is approved you would be reimbursed.

In some cases the board up company will bill you for their services but you would most likely still have to pay the bill and then submit it to your insurance company for reimbursement.

Some board up companies will allow you to take the invoice directly to your

insurance company for payment. If your insurance company agrees to this and deems the work necessary they will then remit payment directly to the board up company.  It is always best to keep the lines of communication open between you and the board up company.  They may be waiting for their money and been unaware that you have submitted it directly to your insurance company for payment to them. Some services for board up in Denver have a steady working relationship with insurance companies but some do not.  The first step would always be to call your insurance company to find out exactly how to find a board up company and how to deal with payment.

If a board up company is needed for a foreclosure it is best to use your bank as a first point of contact.  They will be able to direct you through the appropriate channels to keep your foreclosed home safe from vandalism, rodents and other animals.

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