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Apartment Flooded--Any advice on things to claim on insurance?

 
SeekTruth
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User ID: 707872
United States
06/21/2009 02:04 AM
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Apartment Flooded--Any advice on things to claim on insurance?
One of my neighbor's hot water heater burst (or something, they havent really told me much about the cause) and most of my apartment was flooded with at least an inch of water.

While there isn't much on the floor other than furniture legs and rugs in most of the apartment, my bedroom is a disaster because I've not fully unpacked since I moved in, just TOO busy! So a lot of clothing, electronics, wall hangings, art, books and the like have been completely or essentially ruined or rendered value-less.

I have renters' insurance, but my policy only covers $25,000 in personal belongings. Hopefully the amount of things that need to be replaced or repaired won't be that high, but as we ahd to move all of my things to one clustered area of my apartment where the carpet didn't have to be removed/repaired, I kind-of feel like it will take FOREVER to truly assess all that was damaged.

The worst part of the ordeal are all the things that can't really be "replaced." Photos, schoolwork, some expensive gowns, and even things like the gun left to me when my grandfather passed away and an ex-bf's custom Fender were all in water.

After all this, I'll be upping my coverage as I fear that if there were a fire or the damage was worse, $25K wouldn't help much. My shoes and clothing are worth more than that alone (or would cost more to replace).

My question here, has anyone else experienced this and if so, were there things you forgot to claim only later to realize?

Some friends and family have already reminded me of things. My laptop was one of the more valueable objects to be underwater and since my Mom helped me with buying a lot of my expensive software (like autocad) she reminded me about any software that I can't obtain again through a password or something similar.

Any advice here?

Thanks in advance!

Last Edited by SeekTruth on 06/21/2009 02:07 AM
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anonymous,
User ID: 707847
United States
06/21/2009 03:14 AM
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Re: Apartment Flooded--Any advice on things to claim on insurance?
,put stuff in plastic bags if they will sit on the flopor your story oppened my eyes. good strong thich plastic bags or use sterlite containers to storegoods then stack them in the corner til needed.. so sorry for your lose. cntack a lawyer for consultation first . ,,
SeekTruth (OP)

User ID: 707872
United States
06/21/2009 03:18 AM
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Re: Apartment Flooded--Any advice on things to claim on insurance?
Well, I contacted my insurance company straight away and they're kind-of like write it all up and we'll send you the check. Not sending an adjuster or anything. It's a small town insurance office back in my home town, I live in Atlanta, so they weren't going to come and look.

I like to think since I have personal relationships w. the ppl in my insurance agency that they won't give me a hard time, but I know the bottom line is the most impoirtant thing as it is a business. I asked many times what I needed to be documenting and they didn't seem too concerned as they kind-of trust my best judgement and honesty.

I took pics of the watermarks and all but couldn't get much of the damage b4 the water removal people had already moved everything out of the affected rooms.
Every "saint" has a past and every "sinner" has a future :)

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