Things to Know When Documenting Total Losses After a Fire
Seeing your possessions turn into ashes is a traumatic experience. What’s more is that documentation of the total losses is needed for fire insurance Florida. It can be a big pain for someone who’s still coping with the damage. However, you shouldn’t go through it alone. You can ask the help of friends, families, and a public adjuster to get things done with the least emotional burden.
The strongest proofs for the value of the damaged goods are receipts. But if it also perished in the fire, you can ask for other people’s help. Those who had visited your home can provide a detailed description. Aside from that, there are more things you can do in line with your fire insurance policy:
Talk with the retailer
The best thing to do is to contact the retailer where you’ve purchased the items. They can give you a detailed description of the item and price ranges. If they can no longer find the exact model you purchased, a rough estimate would serve you well. It’s good if you remember the store where you purchase. If you paid via credit or debit card, there’s a chance that they can trace it on their system. It requires a little patience but worth it if you want to get all losses included on the fire insurance coverage.
Use your bank statement
If there are items you simply can’t trace on your own, request for an account statement from your bank. Through this, you’ll see the POS payments you’ve done. It will give you an idea where and on which items you’ve paid the amount for. It also offers a timeline of the purchases. However, bank statements can also be like deciphering secret maps if you’re a shopaholic. If you want, you contact your bank for more details you can use on homeowners insurance after fire loss.
Refer to the department store
In case you’re not sold to what you saw in your bank statement, visit a department store near you. Install a price scanner on your smartphone so you can record those items you’ve lost. From pieces of clothing to expensive appliances, this will work really well. A day of going around the store would give you a long list of the damaged items. Just make sure that you’ll ask for the store’s permission if your price scanning will be of large scale.
Ask the help of a public adjuster
Documenting what you’ve lost in a fire is an exhausting task. You can save time and energy by hiring a public adjuster. Gold Coast, for one, can help you in figuring out the total cost of your possessions. They can help in vendor and item research. As a wingman, they will ensure that everything is covered on the fire insurance cost. They can also help on commercial fire insurance coverage documentation.
If you’re dealing with fire insurance Florida, make sure that all items will be paid for. Doing it with the help of a public adjuster will cut you some slack.
