The Emotional and Financial Challenge of Claiming Home Losses
Fecha: 2024-11-16
The first difficulty we face when filing a home insurance claim is understanding the policy. Many policies are written in language that is anything but easy to understand.
The first thing we need to know is that most basic home insurance policies are divided into two main sections: contents and building/structure (continente). The insured value for the structure is usually much higher than the insured value for contents — which makes sense, as rebuilding a house is often more expensive than replacing its contents.
One of the most common questions we hear is: “Are my furniture and appliances considered contents or structure?” This is a key question, as it can significantly affect the value of your claim.
Our favorite rule of thumb is this: if you turned your house upside down and shook it, would the item stay in place or fall?
If it stays attached, it’s considered part of the structure.
Examples include fitted kitchen furniture, built-in cabinets, or an integrated extractor hood.
Once we have clarified what is contents and what is structure, we can focus on the home insurance claim for the contents. But how do you prove the value of all your personal belongings if you no longer have the receipts — especially when the valuation is sometimes completely subjective and based on a 10-minute visit from the adjuster?
Who keeps receipts for jeans or shoes bought three years ago? Who has receipts for wedding gifts?
This is what makes large home insurance claims so complex — and why you may need experts who can help document your losses and present clear, solid evidence to the insurer.
Are you struggling to understand your policy or define the real value of your belongings after a loss? You’re not alone. Don’t let missing receipts or complicated policy language stop you from getting what you deserve. Contact us today — our experts will guide you step by step to make your home insurance claim clear, fair, and effective.