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House fire
JimW75
Posts: 21 Forumite
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
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
1
Comments
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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.
2 -
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.
2 -
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.
3 -
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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