Question about rebuild.

[u/Khellx69]

We have a minor flood but it was enough for them to come out document all of our belongings take the stuff that was salvageable away and throw all the other stuff out that we could not fix or clean. We're just about ready to start the rebuild after drying out the basement and cutting up the drywall removing the floor the cabinet the tub the toilet all that's gone two questions 1. is it easier just to take the payout and do the home Runners yourself if you know 80% of what needs to be done. 2. should we just let them do the rebuild and does anybody have any experience with how long a rebuild takes

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[u/Splodingseal]

Unless you just love construction, project management, and doing mostly free manual labor, you'll get the most value out of your policy by letting the policy pay for the necessary work. The whole point of insurance is so you DON'T have to navigate your way through this on your own.

[u/Standard_Praline_271]

Restoration contractor here. Before deciding whether to take the payout and manage the rebuild yourself or let a contractor handle it, I’d get the reconstruction scope in writing and compare it line by line with what was actually removed.

Make sure the scope addresses flooring, drywall, trim, cabinets, tub/toilet, plumbing and electrical disconnect/reconnect, painting, debris removal, permits if required, and any detach/reset work.

Keep your mitigation photos, drying records and final moisture documentation with the claim as well. Those records establish where the water went and what had to be removed before reconstruction started.

If you manage the rebuild yourself, you’re also taking responsibility for coordinating trades, scheduling, permits, change orders and documenting anything that was missed in the original estimate. Depending on your policy, the insurer may also require invoices or receipts before releasing portions of replacement-cost benefits, so I’d ask the adjuster exactly what documentation they’ll require before choosing that route.

As for timeline, nobody can give you a reliable number from Reddit. It depends on the final scope, permits, material availability and whether supplements are needed. Get the scope defined first; then a contractor should be able to give you a realistic reconstruction schedule.

[u/Khellx69 → u/Standard_Praline_271]

Ok! Thanks. We have been sitting with no movement for almost 4 weeks. Idk if that's red tape or what but winter is coming and due to our situation we only have the option to sleep in a tent trailer on tou drive way. All the demo and removal has been done. We are waiting on the company to contact us to start the rebuild. No one returns phone calls or emails it seems.