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How to Choose A Restoration Contractor After Your House Fire
Are you navigating the insurance and recovery challenges of a house fire?
1. Join our FREE Facebook group for Homeowners: groups/upfromtheashes
2. Grab the Up From The Ashes book: amzn.to/4aGaJrv
3. Stay tuned to jump into our course: Linktr.ee/HouseFireBook
************************
Locating a contractor can seem like a daunting and
overwhelming task. We recommend that you select your
restoration contractor as soon as possible following your loss.
The contractor will be a significant asset in the restoration
process and can help you navigate the hurdles that you will
face with your property.
You have a few options when considering the restoration of
your home.
● You could use the insurance company’s “preferred”
contractor.
● You could complete the restoration work yourself.
● You could become your own general contractor and hire
subcontractors.
● You could hire a general contractor.
Let’s look at these options further in this video!
Переглядів: 46

Відео

How to BEGIN your House Fire Insurance Claim
Переглядів 303 місяці тому
Are you navigating the insurance and recovery challenges of a house fire? 1. Join our FREE Facebook group for Homeowners: groups/upfromtheashes 2. Grab the Up From The Ashes book: amzn.to/4aGaJrv 3. Stay tuned to jump into our course: Linktr.ee/HouseFireBook Within the first few days of your loss, you will have contact with your field adjuster(s) to discuss your property and your c...
Trauma and Grief After a House Fire
Переглядів 653 місяці тому
Are you navigating the insurance and recovery challenges of a house fire? 1. Join our FREE Facebook group for Homeowners: groups/upfromtheashes 2. Grab the Up From The Ashes book: amzn.to/4aGaJrv 3. Stay tuned to jump into our course: Linktr.ee/HouseFireBook Often we hear people mention that they were “traumatized” by a situation, or that they were exposed to something “traumatic” ...
Wanting to help after a house fire? Do THIS first!
Переглядів 383 місяці тому
Are you navigating the insurance and recovery challenges of a house fire? 1.Join our FREE Facebook group for Homeowners: groups/upfromtheashes 2. Grab the Up From The Ashes book: amzn.to/4aGaJrv 3. Stay tuned to jump into our course: Linktr.ee/HouseFireBook We have had multiple individuals ask us how they can best support their friend or loved one who has experienced a house fire. ...
Take these steps within the first 48 hours after a house fire.
Переглядів 203 місяці тому
Are you navigating the insurance and recovery challenges of a house fire? 1. Join our FREE Facebook group for Homeowners: groups/upfromtheashes 2. Grab the Up From The Ashes book: amzn.to/4aGaJrv 3. Stay tuned to jump into our course: Linktr.ee/HouseFireBook When your home has been ravaged by fire, you will be left to wonder, “What now? What next?” Although these videos have an emp...
How to SAVE $10,000+? Know Your Policy!
Переглядів 393 місяці тому
Are you navigating the insurance and recovery challenges of a house fire? Join our FREE Facebook group for Homeowners: groups/upfromtheashes Grab the Up From The Ashes book: amzn.to/4aGaJrv Stay tuned to jump into our course: Linktr.ee/HouseFireBook Go get a copy of your policy and read it. You must become intimately familiar with this document. Failure to do so may seriously cost ...
Navigating Insurance and Recovery After a House Fire
Переглядів 783 місяці тому
This journey after a house fire is a marathon and not a sprint. It has often been described as the “fight after the fight.” It is very common to feel overwhelmed when you want to give up. You may feel defeated. There are many people who have walked this road before and so many of them would want you to feel supported and encouraged. We offer support: 1. In our FREE Facebook group, 2. In our Up ...
Menards Free After Rebates Updated 2/8/2023
Переглядів 77Рік тому
See the printable list of Menards Free After Rebate Items Here: drivensaver.com/2023/02/09/menards-new-free-after-rebate-2-9-23/ Follow Along With the Menards Free After Rebate Items on Facebook Here: groups/1396262384120060
Clean Personal Care Products on a Budget
Переглядів 37Рік тому
Here are some of the links that I talked about in the video. Put a cup in it quiz: putacupinit.com/quiz/ Little Seed Farm Deodorant: littleseedfarm.com/a/refer-a-friend/redeem/9ajkbxfdgwzyxeckluyuv70fgzwhyfvvt1ld0gwx/2093 Esrthley Teeth Tamer: earthley.com/product/teeth-tamer-herbal-extract/ref/ldish771/ Earthley Goodnight Lotion: earthley.com/product/good-night-lotion/ref/ldish771/
New Menards Free After Rebate Items 2/1
Переглядів 63Рік тому
See the printable list of Menards Free After Rebate Items Here: drivensaver.com/2023/02/01/new-menards-free-after-rebate-items-2-1/ Follow Along With the Menards Free After Rebate Items on Facebook Here: groups/1396262384120060
How to make a budget work for you | Using a budget to help me be a stay at home mom
Переглядів 67Рік тому
I use to think that budgets were overwhelming. I want to try to help you realize that they don't have to be and to help you work on making your own budget. Let's connect for more money saving ideas. Instagram: driven_saver​ Facebook: drivensaver
Menards Free After Rebate Through 2/5 Screws and Kitchen Utensils
Переглядів 82Рік тому
See the printable list of Menards Free After Rebate Items Here: drivensaver.com/2023/01/26/menards-free-after-rebates-1-26-udated/ Follow Along With the Menards Free After Rebate Items on Facebook Here: groups/1396262384120060
Menards Free After Rebate Through 2/5
Переглядів 180Рік тому
Last group of Menards free items: ua-cam.com/video/QvYi5UZIqCI/v-deo.html Printable List: drivensaver.com/2023/01/21/menards-free-after-rebate-items-1-18-2-5/ How to shop Menards Free items: ua-cam.com/video/xu7van7JCyw/v-deo.html Facebook Group: groups/1396262384120060
Menards Free Items for 1/15- 1/22
Переглядів 56Рік тому
Menards Free Items for 1/15- 1/22 current list with details: drivensaver.com/2023/01/16/current-menards-deals-1-15-1-22/
Is a pantry challenge worthwhile?
Переглядів 125Рік тому
Is a pantry challenge worthwhile?
Tips To Pay off Debt | Debt Free Living | Stay Motivated While Paying Off Debt
Переглядів 70Рік тому
Tips To Pay off Debt | Debt Free Living | Stay Motivated While Paying Off Debt
Menards freebies as of 12/26
Переглядів 97Рік тому
Menards freebies as of 12/26
Menards Freebies as of 12/16/22
Переглядів 52Рік тому
Menards Freebies as of 12/16/22
Guide for how to get Free After Rebate Items at Menards
Переглядів 961Рік тому
Guide for how to get Free After Rebate Items at Menards
Shop with me for Menards freebies as of 12/9/22
Переглядів 148Рік тому
Shop with me for Menards freebies as of 12/9/22
Do I have to use the same floor plan after I had a house fire? | Insurance and building
Переглядів 373Рік тому
Do I have to use the same floor plan after I had a house fire? | Insurance and building
Can a birthday party not cause stress? Minimal birthday party | Taco birthday party
Переглядів 67Рік тому
Can a birthday party not cause stress? Minimal birthday party | Taco birthday party
How to save money on food and snacks on vacation | airbnb cooking
Переглядів 98Рік тому
How to save money on food and snacks on vacation | airbnb cooking
How to menu plan in order to clean out pantry and freezer | Shelftember | Reverse Meal Planning
Переглядів 136Рік тому
How to menu plan in order to clean out pantry and freezer | Shelftember | Reverse Meal Planning
Step by Step guide of setting up your insurance inventory after a house fire claim
Переглядів 881Рік тому
Step by Step guide of setting up your insurance inventory after a house fire claim
How to use the target red card to get free groceries
Переглядів 2 тис.Рік тому
How to use the target red card to get free groceries
8 things we no longer buy | Save money and live minimally
Переглядів 155Рік тому
8 things we no longer buy | Save money and live minimally
Meijer Diaper Deals 7/24- 7/30 | Diaper Deals This Week
Переглядів 1932 роки тому
Meijer Diaper Deals 7/24- 7/30 | Diaper Deals This Week
Zucchini Pizza Casserole | Are you overrun with zucchini yet?
Переглядів 452 роки тому
Zucchini Pizza Casserole | Are you overrun with zucchini yet?
Small Kroger Grocery Haul
Переглядів 522 роки тому
Small Kroger Grocery Haul

КОМЕНТАРІ

  • @harryherber2971
    @harryherber2971 10 днів тому

    How long was the process for start to finish on dealing with the reconstruction and insurance process.

  • @janebaker6595
    @janebaker6595 14 днів тому

    Thank you 🙏

  • @gregvera6124
    @gregvera6124 24 дні тому

    I have found this video to be especially helpful, thank you! I’ve already joined the FB Group, which is also helpful. Sadly, I lost my home in June 2024 to the wildfires in Ruidoso, NM. But I'm one of hundreds who are in similar situation, and will forward this video to help others. Thanks so much and God Bless

  • @kevincorry5890
    @kevincorry5890 28 днів тому

    Great advice. My wife and I are going through this since our fire in April.

    • @drivensaver7926
      @drivensaver7926 28 днів тому

      @@kevincorry5890 let us know if we can help at all. ❤️

    • @kevincorry5890
      @kevincorry5890 27 днів тому

      Many Thanks. Our inventory assessment should be completed tomorrow afternoon. We then begin the salvaging of what can be saved. We have taken all the photos we can per room.

  • @john.andrew.brighton
    @john.andrew.brighton Місяць тому

    I find it relaxing hanging my laundry outside and watching my laundry blowing

  • @kjohnson2827
    @kjohnson2827 2 місяці тому

    Thanks

  • @fahimehataollahi7349
    @fahimehataollahi7349 5 місяців тому

    Thank you for all the great tips!!

  • @MyLifeDIY1
    @MyLifeDIY1 5 місяців тому

    How do you get them to pay you for the labor involved in removal and inventory? I’ve already paid someone else to help me do the work, but I had to do most of it.

    • @drivensaver7926
      @drivensaver7926 5 місяців тому

      We asked them and they said we could. I would definitely get in writing that they will pay you for the removal.

  • @buickgeorge
    @buickgeorge 6 місяців тому

    Do you have any information regarding acv (actual cash value) and rcv (replacement cost value)

    • @drivensaver7926
      @drivensaver7926 5 місяців тому

      Are you looking for anything specific? Or just how it works?

    • @buickgeorge
      @buickgeorge 5 місяців тому

      Interested in what would be benefits of choosing one over the other, average increase with using one or the other, and exactly what it covers. Thank you

  • @buickgeorge
    @buickgeorge 6 місяців тому

    Sadly hadn't inventoried our home, but currently going through the process of comprising a list after a fire. That was a really great point regarding the ketchup example.... thank you

    • @drivensaver7926
      @drivensaver7926 6 місяців тому

      How many of us haven't inventoried our homes. Such a daunting task.

  • @halalaffirmations
    @halalaffirmations 6 місяців тому

    Do you know any cheap renters insurance that covers home-business inventory of stored products?

    • @drivensaver7926
      @drivensaver7926 6 місяців тому

      I am not sure. I would start local and see what a local agent can help you find.

  • @jaimehernandezjuice
    @jaimehernandezjuice 7 місяців тому

    I’m waiting to join the facebook group and I am SO overwhelmed 😭😭 Do you write this down on paper or on a computer? Is there certain paperwork? Do you write down prices? Thank you

  • @daleharrison2046
    @daleharrison2046 7 місяців тому

    This is so helpful!!!

  • @haitianjtherapper1527
    @haitianjtherapper1527 7 місяців тому

    Thank, you for taking the time Making this video. Hello to your babie, we recently experienced a house fire Oct 21st 2023 still in a rental property. My question for you did your premium went up

  • @bwest5150
    @bwest5150 8 місяців тому

    Hopefully you get this, me and my wife and 5 kids are stuck in a hotel. Our dryer caught on fire, and did a lot of damage but not to the structure I guess. We have insurance but will they cover our rental house cause we can’t stay here. This is so miserable

  • @DandyBeingTandi
    @DandyBeingTandi 8 місяців тому

    I'm so overwhelmed with compiling the personal property list after my shed burned down. I requested to join the Facebook group! I made the mistake of saying most of the shed contents were designated for starting an eBay business. They limited my coverage to $1,000 dollars and will only pay on personal. It's still overwhelming separating it all!

    • @drivensaver7926
      @drivensaver7926 8 місяців тому

      Oh, man. I am sorry that they limited all that. So frustrating. Please ask away in the Facebook group. There are lots of shared experiences that would be super helpful.

  • @sjmotnezmusic
    @sjmotnezmusic 9 місяців тому

    I recently took inventory of my items using QR codes and an app called “quick peek” and it’s heaven sent. If you’ve ever forgot where you placed something n had to open 8 boxes until you found it this is for you! You place sticker on outside of box with code then with your phone scan it with you camera, then in the app you take pictures of everything in the box and label what it is and where in your house it’s located. So later when you say where my holiday decorations or whatever you labeled it as, type it in the app and it tells you what #box and what room it’s in along with everything else the box contains! It’s a little bit of work but you only need to do it once and last forever

  • @angelakenna5986
    @angelakenna5986 9 місяців тому

    The whole process of dealing with insurance and the cleaning/restoration companies is a total nightmare. Lies, manipulation, inflation of costs...and no one looks out for the person who's lost their home. Sadly, it is possible to be all alone in this.

  • @shanegooseman6309
    @shanegooseman6309 10 місяців тому

    Going through this now.

  • @debrahoskins2816
    @debrahoskins2816 10 місяців тому

    I am just starting the process of rebuilding and have no knowledge. I don't want to get railroaded just because I am timid in nature and rarely stand up for myself.

    • @drivensaver7926
      @drivensaver7926 10 місяців тому

      You have got this. We are here to cheer you on and give you courage. Feel free to join our Facebook group to get several more people to help along the process.

    • @drivensaver7926
      @drivensaver7926 10 місяців тому

      I just added you!

  • @glenda316
    @glenda316 Рік тому

    When stores say rebate I think of a check they send you that you can deposit in your bank! Menards sends you a rebate check that you can only use at their store so your not really saving no money. Bcus they are getting that money back and not you!!!!!

    • @drivensaver7926
      @drivensaver7926 Рік тому

      This is a great point! I like to either use them to get more free or to buy something that I would have bought anyways.

  • @undrejohnson2588
    @undrejohnson2588 Рік тому

    Hey...AWESOME VIDEO...Can you post an example of your inventory sheet with the links attached?

    • @drivensaver7926
      @drivensaver7926 Рік тому

      Glad you found it helpful. I don't have an example right now. We have talked about creating a generic one, but we haven't done it yet. We just did the item, the price, and if needed a link to where we found it.

  • @lilmssunshine9188
    @lilmssunshine9188 Рік тому

    This was a good video

  • @TheDisBeat
    @TheDisBeat Рік тому

    I am currently going through this. Was it easy for them to pay out and buy a new home?

    • @drivensaver7926
      @drivensaver7926 Рік тому

      I am sorry you are going through this. It was fairly easy, as far as insurance can be, to get the money for the new house. We had to pay off our previous mortgage with the money. Then we had to submit receipts for the fixes.

  • @michaelmontgomery5296
    @michaelmontgomery5296 Рік тому

    Turn buckles on one end would tighten them lines up nice and easy

  • @rajawafflesniffingacornyog2327

    Your baby is really annoying

  • @Whattupp-b7b
    @Whattupp-b7b Рік тому

    I had a fire in my sons bedroom and a smoke went through my bedroom and my other son’s bedroom and down the hallway into the bottom half of the first floor cause I could smell it, so I asked for a cash advance because I am displaced right now and someone said I should have a public adjuster but I’m regretting it now because he hasn’t really done much for me and it’s almost going to my third week and I asked for a cash emergency advance because I couldn’t keep paying for meals and assess it is in clothes and things that we needed. Also, I have my dog with me and we’re in a hotel and it keeps saying as a check for me but it hasn’t happened. what should I do?

    • @drivensaver7926
      @drivensaver7926 Рік тому

      So overwhelming! Insurance is great, it unfortunately they aren't super helpful in the first few weeks after a fire. I would definitely reach out to red cross and see what all is available in your area. Did they say that you have a check that you just haven't gotten yet?

  • @acrad7187
    @acrad7187 Рік тому

    Another plus to hanging clothes outside is how smells can be naturally removed - even musty smells- that may be very challenging otherwise :-)

  • @acrad7187
    @acrad7187 Рік тому

    Love this clothes line design! Thank you for the great instructions.

    • @drivensaver7926
      @drivensaver7926 Рік тому

      Thanks! I love hanging my clothes out on this line. ❤️

  • @MOJOERASER
    @MOJOERASER Рік тому

    Ty having same issues they want bed pictures and how much they cost I can’t find the same beds online so I just have to guess .

    • @drivensaver7926
      @drivensaver7926 Рік тому

      So frustrating! Keep plugging away and let me know if there is anything that I can help with. Don't forget to check out your past orders online from what you have bought.

  • @vanessay.4892
    @vanessay.4892 Рік тому

    Thank you for sharing your advice❤

    • @drivensaver7926
      @drivensaver7926 Рік тому

      You are so welcome. Hope you can get everything figured out.

  • @vanessay.4892
    @vanessay.4892 Рік тому

    Thank you ❤

    • @vanessay.4892
      @vanessay.4892 Рік тому

      I am stuck trying to decide if I do, or do not want, a personal item agent to help me with an inventory list. I had a huge tree flatten a cabin/shed on my property. I had a ton of stuff in it, including lots of clothes, shoes, jackets, daybed, etc. Currently, I am waiting to get the roof pulled off, so I can see if anything made it, but now it has rained so much. The thought of creating a list taking photos, look up current prices, etc, on sooooo many items, seems so daunting for me, but yet do I want help from someone that will miss a lot?

  • @llrich1000
    @llrich1000 Рік тому

    Does anyone or would anyone be willing to share an inventory list of what they turned into their insurance company? I’m having a really hard time.

    • @drivensaver7926
      @drivensaver7926 Рік тому

      I saw your post in the group. Hopefully someone will be able to come through for you. ❤️

    • @lynnesperience1872
      @lynnesperience1872 Рік тому

      I’d be glad to help! Just went/still going through that process and it can get so overwhelming 😢😂

  • @04DynaGlyde
    @04DynaGlyde Рік тому

    Thank you! I just came home from work today to a fire that happened. The smoke damage was the worst part. It was a blessing my dogs survived. I pray that State Farm will take care of me here in Texas. My home did not burn all the way down. It was the smoke that destroyed nearly everything. With that said, how and what do I let go of? Meaning, what do I save and trash?

    • @drivensaver7926
      @drivensaver7926 Рік тому

      I am sorry. It is amazing what smoke can do. I would definitely ask insurance what you are expected to keep. I would keep the bare minimum, personally. Smoke is so hard to get out and all the junk that is in the smoke is not good for your health.

    • @04DynaGlyde
      @04DynaGlyde Рік тому

      , Thank You 🙏🏼☝🏻

  • @RS-ov2st
    @RS-ov2st Рік тому

    Clothes dried outside are intoxicating. They smell ssooooo good. Many things will not even need ironing, if you add just a little fabric softener to your rinse cycle and fold in a good way. I love laundry dried outside. Especially sheets, towels and blankets. Home linens. Saves money, also and gets you out doors. So fresh.

    • @drivensaver7926
      @drivensaver7926 Рік тому

      I agree an excuse to get outside is a plus! And the clean clothes and money saving. All for the win!!

  • @marldanford2585
    @marldanford2585 Рік тому

    Loved your video, a couple of tips I have noticed that during the extended Rebate programs Menards will tag a item with a red sale price tag. I always check the tag in the back to see if it actually ON SALE. Today I checked a 30 Ft Dog Tie Out on sale 9.99 the white tag in the back 9.99. I found that will Menard's will mark a item up for the published ad then offer 11%. Know what you are buying

    • @drivensaver7926
      @drivensaver7926 Рік тому

      Definitely! Good thing to keep in mind at any store!

  • @anng2987
    @anng2987 Рік тому

    Great video! Have you also tried the Target reloadable account? I am thinking about trying that for $80.

  • @shmily916
    @shmily916 Рік тому

    Thank you so much for making this video, We had a house fire a week ago and are now trying to navigate all of this. We are dealing with a fire disaster company who seems to have a person for every part of this journey from cataloging our belongs inside the house to rebuilding it. Now that the dust is settling (pardon the pun) and we have signed some contracts with them we are a little nervous as to weather we had made the right decision. They are now wanting us to sign a contract for them to be the contractor. I have hesitations and want to slow it down a little so we can think before we dive into their full services. Any advise? I saw in a comment above that you have a facebook group, what is this name of it, I would like to join.

    • @drivensaver7926
      @drivensaver7926 Рік тому

      I think you may have just joined the Facebook group. If not, let me know. If not, let me know. We are there to answer any questions no matter how big or small.

    • @aktherich5225
      @aktherich5225 Рік тому

      @@drivensaver7926what’s the group? Add me into it

  • @drivensaver7926
    @drivensaver7926 Рік тому

    Printable List: drivensaver.com/2023/02/09/menards-new-free-after-rebate-2-9-23/

  • @houseofpounders351
    @houseofpounders351 Рік тому

    Just finding out after my house fire that the cleaning restoration company is after our entire check. We won't even be able to replace our appliances after paying them. So HEADS UP to you all!

    • @drivensaver7926
      @drivensaver7926 Рік тому

      I am sorry that they are doing that to you. Thanks for being willing to help others through your experience.

    • @hotsauselover
      @hotsauselover 5 місяців тому

      experiencing that right now, and they are not professional or nice to deal with. It’s like dealing with used car salesmen, very slimy

    • @JuicyMullet801
      @JuicyMullet801 12 днів тому

      Exactly what I was suspicious of!

  • @classylifeboutique
    @classylifeboutique Рік тому

    Great job, Lydia! I think transitioning to a healthier way of life works best when it's done incrementally so that no one is overwhelmed. 😁

    • @drivensaver7926
      @drivensaver7926 Рік тому

      Yes, it would be challenging to decide on everything that works at one time!

  • @carolynmonroe5278
    @carolynmonroe5278 Рік тому

    I saw your video and I desperately need help. Can you please send me your email or a way I can get in touch with you I have so many questions I need answers to

  • @drivensaver7926
    @drivensaver7926 Рік тому

    See the printable list of Menards Free After Rebate Items Here: drivensaver.com/2023/02/01/new-menards-free-after-rebate-items-2-1/ Follow Along With the Menards Free After Rebate Items on Facebook Here: facebook.com/groups/1396262384120060

  • @classylifeboutique
    @classylifeboutique Рік тому

    Great tips, Lydia! Your budgeting method is interesting. I've been a monthly budget-type person but I can see why you do it your way once you explained it.😁

    • @drivensaver7926
      @drivensaver7926 Рік тому

      Isn't it funny how we all do things differently. I have looked at other people's budgets and I just don't understand them, but they work for them!

  • @drivensaver7926
    @drivensaver7926 Рік тому

    See the printable list of Menards Free After Rebate Items Here: drivensaver.com/2023/01/26/menards-free-after-rebates-1-26-udated/ Follow Along With the Menards Free After Rebate Items on Facebook Here: facebook.com/groups/1396262384120060

  • @alton936
    @alton936 Рік тому

    A very informative and HELPFUL video !

  • @supervisor404atlanta3
    @supervisor404atlanta3 Рік тому

    what about food and groceries?

    • @drivensaver7926
      @drivensaver7926 Рік тому

      Ask! Ours weren't covered since they were things that we would have to buy anyways, but the worst they can tell you is no!

  • @drivensaver7926
    @drivensaver7926 Рік тому

    Last group of Menards free items: ua-cam.com/video/QvYi5UZIqCI/v-deo.html Printable List: drivensaver.com/2023/01/21/menards-free-after-rebate-items-1-18-2-5/

  • @hs1athome
    @hs1athome Рік тому

    I just went through a 5,000 item content list with a fine tooth comb. I found over 5k of mainly small items. Do your diligence, it pays off. Also pay for the RCV Endorsement on your policy then you will get the FULL cost of your stuff. It's worth it.

    • @drivensaver7926
      @drivensaver7926 Рік тому

      I have never heard of an RCB endorsement. I will have to see what that looks like with our current policy. And yes, due diligence is very worthwhile.

    • @hs1athome
      @hs1athome Рік тому

      @@drivensaver7926 RCV. Replacement cost value. They have to pay for the total of what it's worth to replace. If they non salvage a TV you will get the cost to replace it minus the depreciation (which you get back with reciepts).

    • @drivensaver7926
      @drivensaver7926 Рік тому

      @@hs1athome thanks for the explanation! That is what we had before!

    • @Stupid_you_so_stoopid_UHF
      @Stupid_you_so_stoopid_UHF 10 місяців тому

      So I have a question perhaps on all this as I'm going through the fun process of a fire from 1 ¹/² months ago . So when they calculate let's say on a very expensive TV do they go off the msrp and devalue it like that or ? I personally don't care about my bedroom TV but my living room TV was samsungs top model in 2015 . I read somewhere that TV get depreciated by 5 percent off per year off one website . Heck you can't even buy a new 3d tv anymore and that was the sole reason I went all in on the thing. Oh and like my bmx bikes that I've been acquiring they're all 90s bikes and hate them thinking that they passed their life expectancy. I had so much freaking cool crap which most was salvaged but still over 1400 items gone. I feel like I'm in LA la land and just hoping these insurance companies don't just lowball and throw a couple peanuts at me . I knew I should of gotten a bigger policy but the lady I talked to originally thought 50k was more then enough. I believe my record collection is OK but crap that alone is worth probably close to 30 k on itself. I'm so glad I'm alive and we caught it and acted quickly but soo much freaking cool stuff . It took years getting

    • @hs1athome
      @hs1athome 10 місяців тому

      @Stupid_you_so_stoopid_UHF Hi, I am sorry to hear about your fire. It's such a headache going through this. It really depends on your policy if you have a ACV actual cash value OR a RCV replacement cost value. Our RCV was a additional endorsement on my policy we paid for, but it came in handy. If you have ACV then your stuff I believe will be reimbursed at what your items are worth now (dont quote me, read your policy and KNOWING it will come in handy in this fight). If you have the RCV they have to pay for what It would cost to replace NOW (today's prices) for the SAME LIKE KIND AND QUALITY (important!). This will help while determining what your owed. You would be surprised how much more things cost to replace these days. If you have items being cleaned by a restoration company I would make sure to go through those items first before paying them. Our insurance paid them directly and in the end the cleaning job was terrible we gave most of it away, after they got their 90k. We also fired our Adjuster because he was unwilling to work with additional damages the restoration company caused with our appliances and damage to our new floors. In the end we recieved 11k more than what the previous Adjuster was willing to give. Don't settle for anything less than what your owed, it may take time but they will eventually settle.

  • @hs1athome
    @hs1athome Рік тому

    We had a house fire the week of Dec. 2021 and just got back into our home. I had NO idea we could claim this. Thank you!

    • @drivensaver7926
      @drivensaver7926 Рік тому

      I am not an expert on the ALE, but yes for sure ask! I would love to hear what all they will do for you.