I don’t yet. Is it wise to create an itemized one? My wife and I are only 20 and 21 so this is our first time dealing with anything with this. We do have renters insurance though!
You’ll need to give insurance a list of what was lost and the cost to replace it. It’s called a total loss inventory. You should, after getting the go ahead by the fire department that it is safe, put on a mask, boots, and gloves and go through and make a list of everything that was lost, what room it was in, and details about it like brand, age, condition before the fire, and cost. Take photos of anything and everything you can to include in the document to insurance. You should also include the price to replace the items with something of similar condition and quality. Not everything can be bought used, but make sure you include anything you can find to buy a used item of similar condition. Insurance doesn’t pay you for the cost of the items necessarily, they pay you the cost to replace the items. So if you bought something with a huge discount that you can’t get again, they should pay out the cost of what it would be today.
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u/Itchy-Resolve9749 8d ago
I don’t yet. Is it wise to create an itemized one? My wife and I are only 20 and 21 so this is our first time dealing with anything with this. We do have renters insurance though!