Hi – We decided to buy rather than rebuild. We asked our insurance company to have ALE support us with the move. Our request was denied. The reason why is very confusing. Our adjuster said moving cost will come out of our personal property adjustment. She said further, that if we had repurchased something and put it on a contents claim then she might consider helping us with moving costs. Saying that we would have returned the ALE furniture as a result of purchasing the new furniture. We are confused because what we need to move is indeed what we have repurchased (treadmill, elliptical, spin bike, etc…). We have not yet submitted our personal property claim because we are not done yet. Shouldn’t ALE help us with moving costs? We will be saving them lots of money by not using ALE for 2 full years. Now that we have a house, we just started purchasing furniture that will fit that house, since it does not make sense to have it delivered to the rental house and then move. The furniture won’t fit in rental house.
This leads to my second question about the personal property claim. As background, we were paid 75% of contents insured amount. We know our long list (currently about 3000 lines long) will be depreciated. How much over the contents coverage amount on average do we need to add to the list to recover the total amount of the contents coverage? In other words, what is the average rate of depreciation used in all these claims? We want to be sure to put in enough items to get the max contents coverage per our policy.
Thanks for your time,
Ann – Marshall Fire 12/30/2021