|The Personal Property Claim
As with all aspects of the insurance claim process, the company is not going to give anything away. The adjuster will not pay for things that you don’t claim. It is the responsibility and duty of the insured homeowner to make an inventory of the damaged and destroyed personal property. First, you lose your possessions and memories, and then you are required to sift through the debris to make a list. Sometimes there isn’t anything left to sift through. Next, you must attach a monetary value to your possessions. This is emotionally and physically difficult for even the toughest of people.
If you ask most fire victims to list their possessions from memory, they will list the major items such as furniture, electronics, clothes, etc. How many people think to claim the small items such as bars of soap, toothbrushes, and cleaning rags that were in the garage? The insurance company has to pay for every item that was damaged, but only if they are claimed. The value of the little things can often add up to more than the big things. It is the little things that the insured forgets to claim, so the insurance company does not have to pay for them. Insurance Companies save a lot of money this way.
Details, details, details. The money in an insurance claim is in the details. It is in remembering to claim the small box of toothpicks in the kitchen cupboard. It is in looking in every closet, cupboard, and box that was stored in the garage. If you owned the item, no matter how small or inexpensive, you are entitled to be paid for it. California Claims Consultants has the time and expertise to do this for you and to do it right.
California Claims Consultants does a detailed inventory for you. You will not have to spend your time and emotional energy doing this huge task yourself. We have the expertise to know the difference between what is damaged and what is not. We know what things cost to replace. We know how to make a claim that the insurance company will pay, and in doing so, get you the money you are owed. Imagine how much time it would take you to list each item, then find it’s current value! With California Claims Consultants you won’t have to!