i had a fire and insurance wanted a company to clean the clothing and i don’t want it back. can i refuse to?

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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: Jun 8, 2010

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Insurance Question from Hartford City, IN

Asked on 06/08/2010

i had a fire and insurance wanted a company to clean the clothing and i don’t want it back. can i refuse to? NULL

Answer given on June 10, 2010

Obviously, the insurance company wants to resolve claims in the most cost effective way.  In this case they feel that cleaning your clothing is an appropriate way to settle the smoke damage to your personal property.  You can ask the adjuster to keep the clothing, or donate it to a charity.  However, doing that is not going to result in the company purchasing new clothing for you.

If you have health issues, such as allergies that would prevent you from being able to wear or use the clothing, even if it is cleaned, you should discuss this with the adjuster.  Your agent may also be able to assist you in this area.  However, if you simply do not want the clothing because it had the smoke damage, you will most likely be unsuccesful in convincing the insurance company to pay for new clothing.

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