Written by Andy Gurczak

April 7, 2022

Making a Home Inventory List After a Fire

For anyone, having a fire in your house is a traumatic event. Of course, you are relieved that no one was injured. However, you are now going to be filing a claim with your homeowners’ insurance company for the damage to your home and belongings. And making a home inventory list after a fire can be intimidating and frustrating.

But if you want to make sure your home insurance company pays you your full claim, make a complete and accurate home inventory list.

What Should You Do After a Fire at Your Home?

One of the first things you should do is contact your insurance agent or home insurance company to report the fire. Importantly, there are reporting deadlines in your homeowners’ policy for making insurance claims. Additionally, you will want to start the claims process as soon as you can. Indeed, most insurance companies have 24/7/365 phone lines to report claims.

Consequently, the sooner you report the claim, the sooner an adjuster will come to inspect the damage, prepare a report for his supervisors, etc.

As soon as you can safely, go into your home to inspect the damage (check with the fire department first). Also, wear protective clothing and have a certified mask or respirator- breathing in ash/soot can be hazardous to your health.

Take As Many Pictures You Need to Show All the Damage to your Home and Possessions

Remember, your insurance company will want proof of all the damages the fire caused at your house. Therefore, go room to room to take pictures of the damage to flooring, walls, etc.

Moreover, you should take pictures of the fire damage to furniture, appliances, clothing, etc. In addition, take pictures in rooms, closets or drawers that may have damaged items.

Create a Home Inventory List

You will want to create a home inventory list as a record of your home belongings. Actually, the better practice is to maintain a home inventory list as you buy new furniture, jewelry and appliances. That way, you can record the serial numbers of the of appliances, computers and televisions. Also, you can note the purchase price and keep the purchase receipt.

Creating a list of items damaged in the fire after a fire is more difficult and time-consuming-but it needs to be done. As a matter of fact, you can still capture important individual items to include in the insurance claim.

Replacement Cost vs. Actual Cash Value

How much money your home insurance company pays you for your damaged property will depend on the type of coverage you have.

For instance, if your policy provides for actual cash value (ACV), the company will pay you the value of your property at the time it was destroyed. ACV is the value of property, considering depreciation and ordinary wear and tear. As an example, if you bought a refrigerator five years ago for $1,2000, that refrigerator may be worth $700 today.

As a result, the insurance company would only offer you $700 for your damaged or destroyed refrigerator. Consequently, if you want another $1,200 refrigerator, you will have to pay the additional cost yourself.

Conversely, if you have replacement cost (RC) coverage, the insurance company will first pay you the ACV of the appliance. After you purchase the new refrigerator and send the insurance company a copy of the receipt, they will send you a second check to cover the entire purchase price.

If You Need a Public Adjuster to Help You With a Home Inventory List, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. Consequently, if there’s one thing we understand, it’s that you need 100% of your claim value.

Insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive claims adjusters to ensure they maintain a strong profit margin. In addition, they have experienced actuaries that help their team of agents challenge your insurance claim’s validity and value.

We Can Help You Make a Home Inventory List After a Fire

Obviously, having a fire in your home means you have already gone through a tumultuous event. However, you should prepare an accurate and complete home inventory list so that you get fully paid on your claim. And preparing an accurate and complete house fire inventory list can be a challenge for any homeowner.

If you already prepared a home inventory list, you should keep it in a safe place, such as a safe deposit box. However, if you didn’t, we can help you make one. Indeed, it will include your expensive Lenox service for twelve and every salad plate, bowl or cup that was lost in the fire.

At AllCity Adjusting we work to ensure you get 100% of your claim value. With over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners. Therefore, we help you build a larger claim, maximize your claim value, and get you back to normal fast.

Don’t get fooled, get the company that gets you more. Call us today at 844.692.3587 or visit our website to find an office near you.

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At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
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Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

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Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

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