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House fire

JimW75
JimW75 Posts: 21 Forumite
Seventh Anniversary Combo Breaker
edited 3 May 2020 at 11:47AM in Insurance & life assurance
Hi. I've had s house fire spread to my flat from a neighbouring property. I am a private renter and have contents insurance. The building owner and fire service have advised I'm not likely to get anything as the fire ripped through my place and the floors have collapsed. Am absolutely gutted I've lost everything.
My insurers have appointed a loss adjuster who has asked me to list what I've lost. Luckily most expensive and larger items I've brought online so have email receipts. But how do I list 8 years worth of stuff I've accumulated? I've brought nice clothes and trinkets from abroad. Some average priced, a few expensive. DVD CDs and books I've accumulated since I was 16. I've changed credit and bank accounts numerous times si cannot access all my purchase history for the past 15 years. Plus any receipts I've had gave gone in the fire.  Any advice on what to do or how to list things? Also any advice on the feelings of loss I'm getting? Thank you all in anticipation

Comments

  • TELLIT01
    TELLIT01 Posts: 18,565 Forumite
    Part of the Furniture 10,000 Posts Name Dropper PPI Party Pooper
    All you can do is compile a list to the best of your memory.  Insurers don't expect you to have receipts for every time going back years, and you seem to have receipts available for many of the more valuable items.  Put down x CD etc as approximate numbers.
  • mgfvvc
    mgfvvc Posts: 1,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Can you visualise the layout of the flat? It may help to draw a layout, with cupboards, etc. and then remember as much as you can of what is in each cupboard, drawer, etc. Also try a different approach of categorising possessions, so you try to remember what items you had in various categories/subcategories, e.g. Category clothes, sub categories, shirts, trousers, hats, shoes, etc. Do the same for furniture, electronics, books, CDs, cooking equipment and so on.
  • mgfvvc
    mgfvvc Posts: 1,272 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    and for everyone lucky enough not to have suffered a fire, I suggest a photographic inventory. Go through every room, photographing the room and contents of all cupboards, drawers, etc. and save the photos off site, e.g. in Google Drive.
  • TELLIT01
    TELLIT01 Posts: 18,565 Forumite
    Part of the Furniture 10,000 Posts Name Dropper PPI Party Pooper
    The suggestion of a photo inventory is a good one, and one I hadn't thought of.  Most people now have a phone on their camera so photographs of open wardrobes for example will support claims based on quantity of loss.
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