Drudge Retort: Red Meat for Yellow Dogs
Drudge Retort

User Info

MURPHY

Subscribe to MURPHY's blog Subscribe

Menu

Special Features

Links

Comments

www.documents.dgs.ca.gov

www.muni.org

www.claimspages.com this is a great site for information.

www.knowyourstuff.org

www.claimspages.com

And don't put down the depreciation--the carrier does that..but when they send the forms back--double check against your own copies and argue with them if something appears unfair or over depreciated.

If it is a special item--back it up with comparables on the internet or ebay type sites. Some things do appreciate in value.

Murphy

Oohrah-- I am so sorry to hear about this.

I do insurance claims. If you have any questions--let me know.

A couple of tips--

Take photos of everything before the clean up.

Start making lists of the missing items and damaged items.

You can download an Inventory Sheet that lists the items and the date purchased and how much paid.

Go room to room.

If it's repairable--and worth the repair--get an estimate--this is for personal property items.

Watch out for public adjusters--they will take 4% or more OF YOUR insurance proceeds to do what I just outlined above.

Watch for the snakey contractors--check them out with NC contractors.gov website--their license and that they have insurance. The adjuster can help with referrals--but some carriers won't.

When the check comes--only pay the contractor the amount for materials--then another percentage when they delivered and starting work for a couple of days--then the rest when the job is done.

Now this is for everyone--take your video camera out and tape your entire home. Open the cabinets and drawers--including the garage. In the event of a catastrophic loss--you will have your tape or CD to review. Put it in the safety deposit box.

It will help you in listing the items that are missing, or damaged (fire). And it will document for the carrier what was in the home before the loss. When there is a fire--this will be your best friend in making sure you get paid what you lost from the carrier.

Save your big ticket items receipts when you buy something for the home.

My prayers and thoughts are with you and your family and neighbors.

Murphy

Drudge Retort

Liberal Blog Advertising Network

RSS Spec