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: Jun 29, 2010

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Insurance Question from Griffin, GA

Asked on 06/29/2010

without inventory list before fire, what measures do I take to get the most out of my claim for personal propriety?? lost all belongings to fire. didn't not have inventory list prepared. So what measrues will help me in claim for personal effects. and the added living expenses. we are living in RV so what really qualifies as ALE???help

Answer given on July 04, 2010

Inventories are very helpful after a fire claim, but many people do not have them.  Even with the inventory, the insurance company will most likely request supporting documentation.  This would be store receipts, credit card receipts or even photos of the items verifying your ownership.  The more documentation you can provide, the easier it is for the adjuster to give you the value of your loss.  Even if you don’t have all of the receipts, provide what you can, as many items can be considered even without documentation.

Additional Living Expenses are just that additional expenses you incur due to the loss.  Food, utilities & even your house payment are not additional expenses.  Rent at a second location would be a cost that is covered.  If the RV you are living in is yours, then that would not reflect a cost.  However, the adjuster may consider the cost to run the RV-electrically or fuelwise as well as expenses for sanitary disposal.  Work with the adjuster and enlist the help of your agent.


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