Your loss of use coverage can kick in immediately and cover your hotel expenses, but where do you go from there?
It’s helpful if you have a list of the items in your apartment, of course. That should have been done long before you needed it. Otherwise you’ll have to reconstruct the list from memory, and that’s just not an enjoyable process, especially when you’re already shaken up. This is list is what your claim is based on, so make sure it’s accurate.
Many people are able to salvage some items. In the case of the person who asked us, the building was condemned shortly thereafter so there was minimal salvage. They were able to take pictures of the damage from the fire, which was helpful. But that was the last they were able to get in there. Everything remaining in the building is lost, because as a result of the fire the building will have to come down.
The adjuster will work with you to make sure your list is complete, and to find out what happened and why. If the cause of the fire is not known, they may ask some additional questions about that. But mostly, they just want to get enough information to settle your claim fairly and get you back on your feet.
It’s important that you know what your policy limits are. If you lost $30,000 of stuff, but only have $15,000 of coverage, your coverage ends at $15,000. That’s why you should review the limits of your Fresno, CA Renters Insurance annually. You should also make sure your home inventory is accurate on at least an annual basis. When you buy something of value, you should actually add it to the inventory at that time.
Your insurance company is there to protect you, and to make you whole. After a loss, just reach out to them and they’ll be able to get that process started efficiently. If you still have questions, or if you’re one of the fifty-six percent of Californians without renters insurance, just call (800)892-4308 or click to get covered - whether you need Fresno renters insurance quotes online or coverage anywhere else!
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