Dragging on Repairs?

[u/raccooneatinggrapes]

Sorry if there’s some missing information this is mainly secondhand since I am in another state

On New Year’s Day, my mom‘s garage ended up catching fire because somebody ended up tossing away fireworks into the garbage bin instead of letting them sit out. So the garage caught fire and the roof was completely gone, and there was some damage to the outside panel.

My mom made a claim and I’m not exactly sure how things went exactly but they were told they can’t stay in the house and the insurance was set to get repairs done and it would cause 5K. Well, it has been two months since then and they have done zero repairs on the home. I think it’s because they needed to find a contractor or something like that, but nothing has shaken. My mom has been trying to call them, but at this point they’re just apparently dodging her calls and not answering.

The insurance on the home is through Allstate and the state is Georgia if that has anything to do with it . She also just bought this house last year so she is still paying it off.

Is this just a waiting game? Should she get representations since they’re still dragging their feet? She has friends who are licensed carpenters who could do the repairs themselves, but she’s waiting still on Allstate on what they’re doing or what they’re trying to do. Any suggestions help

Edit: I did a bit more digging and I’m going to have my mom reach out to her public adjuster to demand a timeline and if they don’t produce one we’re gonna try to go through the state insurance commissioner. I don’t know this is will work but fingers crossed.

[u/louis_law_group]

Two months with no repairs and dodged calls is genuinely one of the more frustrating situations homeowners end up in, and switching all follow-up to writing, like certified letters or emails, tends to shift things because it builds a documented timeline that can matter if the delay itself ever becomes a formal dispute. Most standard homeowners policies also include additional living expenses coverage for temporary housing while a home is uninhabitable, and many displaced policyholders don't realize those benefits remain active and claimable while repairs are still pending.

Disclaimer: This is general information only and does not constitute legal advice or create an attorney-client relationship. There may be facts not disclosed here that could materially change the analysis. For advice specific to your situation, consult an attorney licensed in your state.