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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 31, 2017

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Insurance Question from Lilydale, MN

Asked on 05/31/2017

House Contests After loosing everything in a fire, the insurance company wants me to list in detail everything we had in a 4,300 sq feet home.We are insured very well but it's impossible to remember everything!What are my options?

Answer given on May 31, 2017

Your experience is a great example that you should take videos or photos of your personal property. If you have any photos left on your phone or tablet that may have survived, there may be a photo of things in the home. However, in your case, you can only do the best that you can do.  Start with things you remember you had such as a TV, sofa, dining room table, kitchen items, etc.  Then try to recreate your bath items including towels, toiletries, medicines.  Then the closet and estimate how many suits you had, dresses for your wife.  Same with the kid’s rooms.  Then try to remember your dresser and what you had there such as underclothes, t shirts, pants/jean. Don’t forget things in the attic and garage that pertain to the home.

You can only do the best you can, but if you can remember the brand or manufacturer of anything it will help the adjuster.  After you have itemized every thing you can think of turn the list in to the adjuster.  They may have more questions but they have to account for a settlement amount they give you.  You can also say you will try to come up with anything else within a certain amount of time.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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