No reputable insurance company can "pull a fast one". It never ceases to amaze me the number of people who think that insurance companies are just out to get them.

List every item you lost on personal inventory forms provided to you by your company. They will ask you to state the purchase price, date you purchased and then they will let you know the reasonable replacement value or actual cash value of the property. Of course, whether you have replacement value or actual cash value will depend upon the type of policy you bought.

Hopefully, when you purchased your insurance you didn't purchase just based on price and actually sat down with your agent, discussed your options and chose the proper coverage for yourself. Once your policy was issued and delivered to you in the mail, you read it and determined it was the proper coverage, then paid the remainder of the premium.

Just make a list of everything you can think of that was in the house and let the company determine what is covered. They will be fair with you if you present a reasonable list. There are some limitations to the amount of jewelry and electronics, but they will cover clothes, linens,pictures, drapes,rugs,furniture and kitchen items etc They should living expenses while the house is being rebuilt but you will have to continue the mortgage.

You need to look at your insurance policy and verify the amount of coverage under the heading of personal property. Your policy might provide coverage for replacement cost. Insurance companies also might deduct for depreciation once you replace the items that were destroyed.

Has a claim representative visited your home yet. If not contact your insurance company to see when they will visit. You may get two checks one for the destroyed dwelling and another check for the personal property.

If you had any personal articles coverage (items are insured individually under a different policy) make sure to mention those items as well.

After you purchase new items the insurance company will ask for copies of the receipts and they might also ask how long you had the original items that have now been replaced.

Best wishes to you

The easy way to tell what is personal property - if you take it with you when you move, it's personal property. If it's attached to the house, it is not personal property.

Socks, clocks, table, books, chairs. refrigerator = personal property

Ceiling Light Fixture, built in book case, vanity, carpet= not personal property.

Stuff that's normally in your house, is your personal property. All your furniture, clothing, food, electronics, etc.

Some things that are NOT covered personal property, would be your pet (live animals), your car, your motorcycle.

Here's a list that might be helpful, when you're making up your inventory:

http://www.clai…

You can claim whatever you actually had in the house.

Claim whatever you want. It doesnt really matter. We are going to send out our crooked adjustor to devalue everything anyways. If you claim $5000 worth of personal property... we will screw you over and end up valuing it at $500. If you claim $7500 worth of personal property... we wil just screw you over more and value it at $400 :) The more you claim... the more we want to devalue... the gap makes it look like your taking advantage... so when our underwritting department reviews you insurance... we can jack up YOUR rates even HIGHER :) That is how we work. :) We are always working in our best interest and we dont care if we screw you over

homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service.