If there is significant damage to your heritage property, the claims process is a bit more complex than usual. Your insurer will figure out the replacement cost for rebuilding the property and will have to consider any historic significance, special materials and unique features. Because of this, a heritage property expert is usually brought in to appraise the building. Also, specialty contractors might be hired so that they can recreate any special features of the heritage property.
Before you dive in, do your research and of course, contact your insurance company to make sure you’ll have the right coverage.