You're spot on about insurers being picky with temp fixes—I've seen it plenty of times. One thing I'd add: insurers sometimes push back if your temporary fix seems excessive or pricier than what they'd consider 'reasonable.' Had a client tarp an entire roof when just one section was damaged. Insurance argued a smaller patch would've worked fine, and they only covered part of the cost. Moral of the story: make sure your temp repairs match the extent of the damage, document clearly, and have a solid reason ready if questioned...
Had something similar happen last year—a tree branch smashed a small section of siding. I patched it quick with plywood, but insurance said it was "overkill" and only reimbursed part of it. Lesson learned: document everything clearly and don't assume they'll cover the whole thing...
Insurance can be so weird about stuff like that, can't they? Honestly, plywood isn't exactly gold-plated siding—seems pretty reasonable to me. But yeah, documenting everything with photos and receipts is key. I've seen clients get burned because the insurance adjuster claimed the fix was "excessive." Makes you wonder what exactly counts as a "reasonable repair," huh? Guess it's better to ask first and patch later...
"Makes you wonder what exactly counts as a 'reasonable repair,' huh?"
Yeah, that's the million-dollar question right there. I've had adjusters nitpick over minor stuff too—like, seriously, it's plywood, not marble countertops. Hang in there though, sounds like you're doing everything right with the documentation...
"Makes you wonder what exactly counts as a 'reasonable repair,' huh?"
Yeah, tell me about it. Had a client once whose adjuster argued about replacing drywall that was literally crumbling apart—said it could be "patched." Like, patched with what exactly, duct tape and hope? Sometimes I think the definition of "reasonable" depends on whether the adjuster had their coffee that morning... Good luck though, sounds like you've got your bases covered.
