It is not uncommon when a property damage event occurs that the impacts reach the interior of your home and can affect your personal property. The value of the personal property or the contents of a home or building can be significant, especially in cases where a home is a total loss, such as a fire or after catastrophic hurricane or wind related damages. However, fighting for the value of your property’s contents with an insurer is not easy.
Depending on the property involved and your insurance coverage limits, an insurer may not agree to pay the value of your losses. In some cases, insurers can require that specialty items such as jewelry, heirlooms, or artwork carry separate coverage to cover the market value of these often expensive items.
A property insurance attorney will go over your property insurance coverage carefully to make sure that you seek all available compensation under your policy, including addendums that may provide additional coverage for losses after damage to your home or other property.