Posted by JML755 on February 01, 2011 at 05:19:22 from (66.184.63.110):
In Reply to: garage fire posted by 36 coupe on February 01, 2011 at 00:12:09:
know you feel bad, but what's done is done. As others said, focus on documenting everything. Many insurance policies have "replacement cost" for property. Check the policy on the building. This means that you can replace the property at today's prices. Since you probably don't have receipts for most of your stuff, make a list of everything with the cost of the item today. DO NOT THROW ANYTHING AWAY. The adjuster will take pix of everything and you should too. Under "replacement cost", if you replace it right away or have it repaired, they'll pay the full amount. If you don't submit a receipt for replacement or repair, they'll take the "replacement cost", deduct depreciation and cut you a check. Then, you have a period (180 days in most cases) to replace it and get the depreciated amount. I'm going through this right now on a lightning strike claim.
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