Losing items in a fire or a burglary can be frustrating, and especially frustrating when you have not yet added those items to your home insurance inventory. Fortunately, Wayzata, MN can be somewhat flexible in these matters, but you need to exercise some caution and common sense here.<\/p>\n
If you can prove that you owned the items in question and simply hadn’t added them to your inventory yet, you may be able to file a claim for them. If you have photographic or video evidence, your adjuster may be willing to take that into account even if you never sent receipts directly to your insurer. Home insurance companies understand that it’s hard to fully plan for an emergency, and a fire isn’t always going to happen right after your most recent inventory.<\/p>\n
But there is no guarantee that your insurance company will cover these items, and claiming items that you cannot prove you owned may even have your insurer suspecting fraud.<\/p>\n
The best way to make sure that this doesn’t happen:<\/p>\n
And remember that an insurance adjustment isn’t a negotiation. Many homeowners assume that their adjuster will lowball them, so they claim a higher number than the actual value of the damaged or lost goods. Don’t do this. Just tell them what you lost and what it was worth.<\/p>\n
If you are still shopping around for an insurer for your Wayzata, MN home, get in touch with Pizano Insurance by phone or through the Pizano Insurance website.<\/p>\n","protected":false},"excerpt":{"rendered":"
Losing items in a fire or a burglary can be frustrating, and especially frustrating when you have not yet added those items to your home insurance inventory. Fortunately, Wayzata, MN can be somewhat flexible in these matters, but you need to exercise some caution and common sense here. If you can prove that you owned the items in […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[127,240],"class_list":["post-502","post","type-post","status-publish","format-standard","hentry","category-home-insurance-homeowners-insurance","tag-pizano-insurance","tag-wayzata-mn"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t