Ask An Expert

Our residence was damaged in a hail storm. We needed a new roof, new siding, new garage doors, several other exterior home repairs, a new rural outbuilding roof, and replacement of a few personal property items that were outside. This is our second large claim…

I’m looking for help countering their insurance companies use of Xactimate for what that software says is the life of an item. Some of the life of items they say are objectively absurd (like a picture frame lasting 5 years) and we countered on what…

Our house was smoke damaged from the Marshall Fire and State Farm is saying that the upholstered furniture, rugs, and clothes can all be cleaned. They have replaced all the mattresses and bedding. Do you know of any policy statements or data indicating such contents…

We plan to determine a replacement cost value (RCV) for our personal property inventory items that include the price of the item, the shipping cost, and tax. When determining the actual cash value (ACV) from the RCV, it is our understanding that tax should not…

The insurance adjuster is lowballing repair cost and said they do not recognize Xactimate pricing. Is there a law to challenge this ?

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.…

Our home was totally lost to the Colorado Marshall Fire on 12.30.2021. We were advised by our Safeco/Liberty Mutual adjuster that we needed to obtain an “as-was bid with code upgrades broken out separately” and submit that bid to that same Safeco/Liberty Mutual adjuster, so…

Is there a way to value family history in my inventory? I had a trunk full of original family genealogy, correspondence, photos, ephemera, other memorabilia, mostly irreplaceable of course. Other than the cost of paper and reproduction for anything my family might have, is there…

We have State Farm insurance. We lost our home in the East Troublesome fire. It was a total loss. We have rebuilt in a different location and moved into our new home. Before we close out our ALE claims, I was doing some research and…

We are currently filling out our personal property inventory to submit to the insurance company. We would like to include pricing on many of our older items by using pricing from similar condition, used items being sold on ebay or other similar sites. This would…

Our insurance agent hired an independent contractor because our blueprints and home was completely destroyed. The independent contractor submitted a high appraisal then the insurance wanted to pay, so the Insurance Adjustor reduced the amount of predicted costs, When I asked the insurance adjustor why…

Regarding Debris removal: I thought that there were 2 buckets of money: one for dwelling/other structures debris removal and one for contents debris removal, both are 5% of coverage A & C, respectively, and you can get both buckets of money as long as you…

We had a home fire about a month and a half ago. Our wood furniture has been cleaned professionally using ozone but still smells like smoke. Our insurance agent is suggesting just having it sanded and refinished. We are concerned that because the wood is…