we have to claim off our home insurance at the moment because our water tank burst and we have water damage in the house, mainly floors and ceilings..our bedroom closet and some other bits,
we have been told to get quotes from contractors on the work that has to be done so we are looking for some at the moment. but how can we work out the costs from water damage to bedclothes..clothes that were in the closets and in the room and some electrical goods?? the loss adjuster took photo's of the bed clothes and bags of wet clothes but thats all...i'm not sure how at all to work out how much it would be to replace them??
Also the replacements must be the same as the ones damaged ?...do we just write out a list of what was there or maybe just a sum of money we think would cover buying more clothes?? and the electrical items..do we just say this is how much it costs for this item in the market at the moment??
i've never claimed for anything before so as much info about the smaller things would be appreciated!
we have been told to get quotes from contractors on the work that has to be done so we are looking for some at the moment. but how can we work out the costs from water damage to bedclothes..clothes that were in the closets and in the room and some electrical goods?? the loss adjuster took photo's of the bed clothes and bags of wet clothes but thats all...i'm not sure how at all to work out how much it would be to replace them??
Also the replacements must be the same as the ones damaged ?...do we just write out a list of what was there or maybe just a sum of money we think would cover buying more clothes?? and the electrical items..do we just say this is how much it costs for this item in the market at the moment??
i've never claimed for anything before so as much info about the smaller things would be appreciated!