Contents claims and underinsured homes

Contents claims

Replacement cost policies generally pay depreciated value first and the rest once items are replaced, subject to the policy and the law. Disputes arise over depreciation rates, item values and whether an itemized list is required in every case. We help clients organize inventories and push back on unsupported reductions.

Underinsurance

Many homeowners learn after a fire that their dwelling limit won't cover today's rebuild cost. Some policies include extended replacement cost or inflation protection. Sometimes the problem goes back to how the coverage was calculated. We look at both.

Questions we hear