Published at Friday, October 05th, 2018 - 01:37:16 AM. Home Insurance. By Jane Rhode.
Excerpt from How To Work With A Home Insurance Adjuster Estimate Too Low :
Regarding personal property, if you know what you paid for these items, then the insurance will cover that exact amount. But if you don't have a good idea, then the insurance adjuster will research the values of these items, and the company will reimburse you for these current market values.
Once you have been in touch with the insurance company and filed the appropriate paperwork with them, they will send the insurance adjuster out to take a firsthand look at your home. This person will walk through the entire house with you, inside and out, to examine the property for damage. He or she will also ask you about any lost, stolen, destroyed or damaged personal possessions that were within the home or immediately outside it (such as hose reels, bird baths, and the like). Additionally, you will also be asked about your living situation since the time of the incident-if the house inhabitable until it is repaired or replaced, have you been living in a hotel or otherwise renting property since then?
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