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As an adult and knowing the purity of the nearest river, I realize how stupid that is. After that, I always wanted to take a trip floating down the river. We will be your advocate, guide through the aftermath of your house fire, and ensure you get every penny you’re entitled to under the terms of your homeowners insurance policy.When I was in grade school, I read The Adventures of Huckleberry Finn. Miller Public Adjusters has extensive experience inventorying damaged/destroyed personal property that will save you time, hassle, and best of all, be done correctly to make sure your assets are fully valued. We Can HelpĬreating a total loss inventory is a lot to handle and can be overwhelming. S ave all invoices and receipts, so you can submit them for reimbursement. Your carrier will withhold the depreciated amount until you prove you replaced a given item. Note that the insurance company's adjuster will depreciate each item based on age, condition, and wear & tear, reducing everything to an Actual Cash Value (ACV) amount (which is negotiable). While confusing to many policyholders, the process ensures your items are replaced in a way that protects the insurance company from overpaying.Īs you conduct your inventory, go into as much detail as you can, providing receipts and photos whenever possible, and assigning a replacement cost value to each item. Some policies provide Replacement Cost Value (RCV) coverage for damaged personal property, but carriers make their insureds jump through some hoops to get fully reimbursed.
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You can also download a price-scanning app, and scan the items that were damaged to create a list of new items and prices.Īssign Replacement Cost Values to Your Personal ItemsĪs there are literally thousands of personal property items to be replaced, you need to be meticulous and organized as you create your total loss inventory list. If the specific item you lost is not available, list the most similar ones. Be sure to note the cost to replace your damaged item with a new item of like kind and quality.Īnother helpful idea is to visit a department store website and use its wedding registry tool to recreate a list of items you lost in the fire. You can also research the valuation of similar items on the Internet. If you don’t have receipts or they were destroyed, you may be able to get duplicates from the merchants. Wherever possible, include receipts for the original purchase of your property. Note the price you paid for each item on your inventory.
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Find it and tons of other valuable tools on our Resources page.
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Our free Personal Property Inventory Calculator can help you with this.