Hire a reputable electrical contracting firm. Arrange to pay the bill "up-front". Take photos of all the work as well as collect documentation from the contractor of work done / completed. To the extent possible, save all discarded / trashed electrical components. A reputable contractor will know all the procedures that need to be done and how to file all the required paperwork. When the work is completed, you can file on your insurance. If you have kept all of your duck in a row they will pay. As the ambulance chasers say, "they are not your good neighbors and they are not on your side".
You, as a policy holder, are put in the position that you must prove to the insurance company that they are required to live up to their end of the deal. Good Luck. John Rerlihan
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