If a homeowner’s claim is approved after damage, what is typically required of them?

The requirement to provide proof of all repair costs is critical following the approval of a homeowner's claim after damage. This documentation serves as evidence that the homeowner has incurred expenses directly related to the damage covered by their insurance policy. Insurers often require detailed invoices, receipts, and other forms of proof to validate the legitimacy of the claim and ensure that the payout aligns with the repairs undertaken. This process ensures transparency and helps the insurance company manage risk and costs effectively, while also protecting the homeowner's interests by ensuring they are compensated accurately for their losses.

The other options do not reflect the standard expectations after a claim approval. For instance, homeowners typically are not required to repay the insurance payout, make repairs before filing the claim, or hire a specific contractor, allowing them the freedom to choose how to repair their property. Thus, providing proof of all repair costs aligns with standard insurance practices and is necessary for the homeowner to receive the full benefits of their policy.