Northern California’s Personal Property Claims Lawyer Conducts Thorough Evaluations
After a fire or flood, many homeowners make the mistake of allowing their insurance company (or a company retained by their insurance company) to evaluate damages. The insurance companies will prematurely shovel their damaged personal belongings into a dumpster, and dispose of them, in order to clean up and “move on.”
The Law Offices of Bruce McArthur know that, amid the charred remains of a fire-damaged home can be thousands of items, many of them so damaged that they are unrecognizable. This, however, does not mean they were not valuable. Contact The Law Offices of Bruce C. F. McArthur to prepare a detailed and complete inventory of your damaged or destroyed goods. Our goal is to obtain a settlement that recovers and replaces as much as possible.
Experienced Property Claims Attorney Vs. Insurance Company
The most common complaints about insurance companies’ analysis of damage is that it was vastly incomplete. The inventory prepared by your insurance company (before disposing of your goods) is often hastily prepared, and items are not adequately described or left out of the inventory entirely. An incomplete or otherwise substandard personal property inventory only benefits the insurance company’s interests. You may endure further legal battles, regarding the nature, extent and quality of your personal property, the completeness of the inventory, and how much you should be paid for your personal property.
If I am retained before your damaged or destroyed personal property items are disposed of (this is my preference), you can expect the following comprehensive services:
- A detailed spreadsheet listing all of your belongings,
- Photographs of each item
- Comments and input where necessary and appropriate (e.g. to determine the nature or quality of specific items that may otherwise be disputed by your insurance company)
- Priced entire inventory, for submission to your insurer
- Supply the insurer with backup documentation for the pricing of the items in the inventory
- Negotiations on your behalf of a final settlement of the personal property claim
My goal is to make sure that you obtain the compensation you deserve. If I am retained after your goods are already disposed of, this makes inventory preparation and pricing more difficult, but not impossible. No matter where you are int he claims process, you can benefit from the assistance of an experienced CA fire and water damage attorney. I will work with you to create as comprehensive an inventory as possible.
Compensation For Damaged/Destroyed Contents Of Your Home
Think for a moment about all of the personal property items in your kitchen alone: each major appliance, the contents of your refrigerator and freezer, dishes and silverware, cookware and cookbooks, blenders, mixers, juicers, coffee makers, canisters, racks, spices, all of the food in your cabinets and so on. You are entitled to be compensated for everything you owned, but if items are damaged or destroyed, they must be individually inventoried and priced.
You cannot count on your insurance company to do as careful and complete a job of this extensive task as you require. If items are poorly described or left out of the inventory altogether, you will not receive maximum compensation. My general approach is to go room by room, cabinet by cabinet, drawer by drawer, to inventory the contents of your house in as much detail as possible. I sometimes spend days going through the rubble, and interviewing my clients, so that we can present a comprehensive claim to the insurance company for your losses.
Though your insurance company may price your personal property at replacement cost (referred to usually as “RCV”), they will generally pay a depreciated value (referred to as “ACV”), which is often far less than the RCV.
Let’s Work Together To Get What You Deserve
An inventory covering the contents of a home usually consists of thousands of line items, and each one must be priced separately. My CA personal property damage claims law firm will take the time necessary to prepare a thorough personal property inventory. My goal is to help you maximize your monetary recovery for personal property, so that you can replace what is replaceable and begin to rebuild your life.
Contact Our San Francisco Fire and Water Damage Claims Law Firm
I am a Walnut Creek lawyer with more than 30 years of experience serving the San Francisco Bay Area and surrounding Northern California. Contact me today for a free initial consultation to start the process of restoring your home and reclaiming your life. If you need to make a personal property claim, contact me for a free initial consultation at (925) 905-9935