Q: How to claim personal property loss properly?
My RV (motorhome) burned out. I already received $20000 from the insurance company for Motorhome repair costs.
My personal belongings, which cost more than $100,000, were insured for $90,000. I have huge list of property loss, but didn't send it to the insurer yet.
I do not want my rights to be violated by insurer. I want everything went smoothly, make everything properly.
How to claim personal property loss properly?
A: Evidence that you had the means to acquire $100k in personal property.
If you don't have a job, that would be hard to explain. Evidence that you actually owned the property claimed: receipts, pictures, charred remains, etc. Insurers find that insureds suddenly have valuable personal property when there is a fire, burglary, etc.
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