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Fire & Water - Cleanup & Restoration

What You Need to Know for Content Claims & Home Inventory

7/8/2015 (Permalink)

Filing Content Claims: What You Should Know

Think Ahead

Get familiar with the Declarations page of your insurance policy. This explains dollar amounts, types of coverage, etc. You will need this information for your claim. When you've read your policy, report your claim immediately.

Get Organized As Soon As Possible

Get a few binders. Keep one for your Contents Loss/Inventory, your Dwelling loss and your Loss of Use and Additional Living Expenses. Keep detailed records of everything, including discussions and emails with adjusters and agents. 

Take it Slow

Adjusters are trained to help you accept the lowest settlement possible. Before you accept a check, make sure you have all the facts and do not sign a waiver releasing the insurance company from further claims. 

Be Honest

It's easy to want to over-value an item so you are sure you get your money's worth from the insurance company. However, deliberately "padding" the value is a felony offense. Use the internet, receipts and other documentable sources to determine values. 

Keep in Touch

Find others that have already been through what you are going through. Ask questions. Get advice. Share information. 

Learn the Lingo

Learn what Depreciation, Actual Cash Value and Replacement Cost are. These terms are the terms that insurance adjusters will use to determine how much your claim is worth. Remember, depreciation can be negotiable.

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