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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.
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