Experiencing a house fire first hand can be devastating. If the flames did not damage your home and all of your possessions, then the smoke certainly did. Smoke can easily permeate items made out of fabric and plastic, potentially leaving them permanently discolored and with an odor that may never go away. Thankfully, personal property insurance is designed to help you recover all of the things you lost due to fire or smoke damage. Here is how you can make the most out of your insurance claim to make sure everything is covered.
Envision Each Room Together As A Family
If your house burned down and there is nothing left, it will be difficult to remember everything that was in your home. The best method of remembering is to mentally go through each room of your house as a family. Go around the room in a clockwise manner, and try to list everything that you can remember being in each room. Keep moving through each room of your home until everything is covered.
Take Photos of Destroyed Items As They Come Out Of The Home
Your insurance company will try to handle items that were affected by fire or smoke in one of two ways. If the item looks like it is salvageable, it will be sent to a professional fire damage restoration company to try to clean it. If the item is damaged beyond repair, it will be thrown away and you will be given the depreciated value of the item.
If your house didn't burn down, those destroyed items will be taken out of the home and thrown into a dumpster. You'll want to take a digital photo of every item before it is thrown away, which will help you remember everything that was destroyed. Instead of writing everything down in the moment, which can be time consuming, use those photos to sort through what was thrown away at a later date.
Items that are going to be cleaned will be inventoried with the cleaning company, and if they are not recoverable, they will be documented through them.
Always remember if you do not write down the items that you lost on your personal property loss forms, you will not get reimbursed for them. Being thorough is the best way to make sure that you are getting the most out of your personal property insurance. For more information, talk to a professional like Wetaskiwin Agencies Ltd insurance brokers.