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  #16 (permalink)  
Old 08-26-2012, 08:09 AM
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Replacement coverage

Besure you have replacement coverage, and make sure to have your agent check you are covered for more than normal home owner allowance, most policies have a limit on what they will pay unless you declare more than normal items, tools, art work, guns , jewlery, etc.. You have to pay a few dollars more for the extra coverage. I had a fire in 2001 in the old Barn and shop when in the process of moving, I already had the zoning approval for a new 40 x 120 ft metal building to be built. .I had full coverage replacement , I started doing the inventory and most companies only pay you the depreciated value until you buy the new replacement item. The adjuster asked how much I was going to replace. I said I just hauled this stuff 900 miles , everything, He said lets stop doing all this paperwork, and we worked out a cash settlement agreeable to both of us.
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Old 08-26-2012, 08:16 AM
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reread

I reread the posts, From experience the Photos, and papers will deteriate over time from the chemicals in the smoke and retardant. so get copies made asap. also in a house fire Mirrors will go bad after a couple years, have the insurance Co guaarantee that if you follow their recommendaations they will guarantee your stuff won't go bad later that only had "smoke damage". , electronics guns,etc.
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Old 08-26-2012, 08:35 AM
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google up concrete restoration products and services..redoing a fire damaged floor is one job I would like to farm out as the materials and technique is a special deal.. just an aside in my working years we did a lot of buildings and that particular thing we had a sub-contractor do..

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Old 08-26-2012, 11:45 AM
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To put it in perspective "NO HUMAN CASUALTIES" All replaceable with time and money. Good luck and have fun getting new stuff! This is not cancer or a heart attack just material stuff. Be happy.
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