Forums
New posts
Search forums
What's new
Articles
Latest reviews
Author list
Classifieds
Log in
Register
What's new
Search
Search
Search titles and first posts only
Search titles only
By:
New posts
Search forums
Menu
Log in
Register
Install the app
Install
Forums
Chatting and General Stuff
General Discussion
House fire
JavaScript is disabled. For a better experience, please enable JavaScript in your browser before proceeding.
You are using an out of date browser. It may not display this or other websites correctly.
You should upgrade or use an
alternative browser
.
Reply to thread
Message
<blockquote data-quote="BountyHunter" data-source="post: 1581581" data-attributes="member: 12"><p>Look at exactly what your insurance policy says, particularily with collectibles, guns, reloading etc. do not be afraid to call or visit your state insurance commisioners office. They are your friend actually, they can light a fire under the insurance company. Look at how "replacement" works in your policy and state. Some states policies only give you 180 days from the date of the fire to replace everything. Many companies give you depreciated value first, then you go buy the item, send them the receipt AND then they pay the diffeence. Now figure $150K contents and you get $50K to buy $150K. Now the hard part starts, you are going to normally need a line by line, item by item inventory to turn in for every fork, spoon, sock, tie, pair of underwear, belt, shoes, shirt, pants etc. Gather every picture you can of anywhere in the house to show chairs, paintings, tables, couches etc, you will need them. I went thru the exact same thing in 94</p></blockquote><p></p>
[QUOTE="BountyHunter, post: 1581581, member: 12"] Look at exactly what your insurance policy says, particularily with collectibles, guns, reloading etc. do not be afraid to call or visit your state insurance commisioners office. They are your friend actually, they can light a fire under the insurance company. Look at how "replacement" works in your policy and state. Some states policies only give you 180 days from the date of the fire to replace everything. Many companies give you depreciated value first, then you go buy the item, send them the receipt AND then they pay the diffeence. Now figure $150K contents and you get $50K to buy $150K. Now the hard part starts, you are going to normally need a line by line, item by item inventory to turn in for every fork, spoon, sock, tie, pair of underwear, belt, shoes, shirt, pants etc. Gather every picture you can of anywhere in the house to show chairs, paintings, tables, couches etc, you will need them. I went thru the exact same thing in 94 [/QUOTE]
Insert quotes…
Verification
Post reply
Forums
Chatting and General Stuff
General Discussion
House fire
Top