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Regardless of the spicific cause of your damages, a residential personal property loss is one of the worst to experiences because you cannot always replace family photographs, wedding albums, special event dressware and a lifetime of  memorabilia.


Depending on decisions made by your carrier’s field adjuster, certain categories of your personal property may not be eligible for replacement cost values (RCV) and may may only be paid at actual cash value (ACV), which is many times subjected to heavy unrecoverable depretiation at the time of settlement. In addition, carriers are busy revising their policy terms and conditions in order to further reduce their financial liability to pay their policyholder’s by limiting or altogether excluding coverage’s of certin personal property items. 

Below are some of the items carrier’s are targeting for limitations and or absolute exclusions;

  1. Antiques, fine arts, paintings and similar items of rarity or antiquity which cannot be reasonably repaired or easily replaced.
  2. Memorabilia, souvenirs, collector’s items and similar items whose age or history contribute to their value.
  3. Items that a carrier’s insurance adjuster deems, are not well maintained and or are not in good working order.
  4. Items that a carrier’s insurance adjuster deems, are outdated, obsolete and or are stored and not being regularly used.
  5. Items that are stored in basements, attic’s, garages and or storage sheds / container’s.
  6. Select Items of both intrinsic and sentimental values.



If you have a loss of any kind the first step in the right direction is to retain the legal representation of a licensed certified public insurance adjuster who will report your claim correctly and then assist you with locating a licensed and certified professional restoration company who will work hand and hand with your public adjuster to protect your interests by separating salvageable and non salvageable items for a comprehensive item by item inspection and photo-documentation by your public adjuster.


You have the right to hire your own service people and should never allow your carrier’s prefered vendors to control your restoration interests. If there is a dispute, a prefered insurance vendor will likely side with your carrier’s field adjuster (if they want to remain on the carrier’s prefered vendor list) .  If you already hired a carrier preferred vendor, a seasoned public adjuster can interview the owner and decide if the vendor will follow certified industry protocols, or if they should be replaced by a team that has your best interest in mind.  

You pay your premiums on time with the understanding that your carrier will indemnify you after a loss, but you should understand that like any other business insurance carrier’s want to keep as much money as they possibly can. 

A certified restoration company should know which items can be cleaned and which should be replaced and no one should discard anything whatsoever until your public adjuster advises you so in writing.  A public adjuster should suggest storage options for your damaged property until your carrier establishes a reasonable price for each individual item damaged in your loss.  Pursuant to your  obligation under the insurance contract your carrier should waive right in writing “to re-inspect your damaged property as many times as they deem reasonably necessary” if their adjusters and or vendors verbally advise you to discard your damaged property.  


Until an agreement is reached you should only discard items that present a hazard such as rotting food, which should be photo documented prior to discarding. As your representatives we will set up a staging area to photo document each item along with any accompanying serial and or model numbers. The more information we document the easier it will be to prove you damages.


Carrier adjusters often tell policyholders that they cannot recover loss items without receipts, this is not so. Although receipts may establish ownership and value, as long as you can reasonably prove that you owned the missing or severly damaged property you should prevail and we can help with establishing ownership.