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Personal property damage caused by house fire

Discussion in 'Homeowners, Fire, Casualty' started by Oleg, Feb 16, 2019.

  1. Oleg

    Oleg Law Topic Starter New Member

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    Jurisdiction:
    Georgia
    1-Is cleaning, handling and storage of personal contents covered under personal property coverage category(coverage C)?
    2-The estimate of personal prop. damage plus cleaning, handling and storage of contents exceed the personal property coverage limit. Is there any way to recover the cost that exceeds coverage limit?
    Thank you
     
  2. adjusterjack

    adjusterjack Super Moderator

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    That depends.

    What personal contents required cleaning, handling and storage?

    Why was cleaning, handling and storage required?

    Who did the cleaning, handling and storage?

    Who did you pay and how much did you pay for the cleaning, handling and storage?

    Answer all the questions. Details count.
     
  3. Oleg

    Oleg Law Topic Starter New Member

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    All the personal property had smoke damage. A lot of things were discarded and placed on personal prop. non salvageable report(clothing, furniture, electronics e.t.c). Other personal prop items (clothing, furniture, china e.t.c) were salvageable, so they were cleaned. Storage was necessary to keep all the personal prop items, while reconstruction of the home took place.
    3rd party company did the cleaning, handling and storage. The insurance paid to the 3rd party company directly for their services. The amount was deducted from my personal property coverage.
     
  4. adjusterjack

    adjusterjack Super Moderator

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    OK, so what's left of your Coverage C limit is not enough to cover the rest of your claim.

    Then the answer to

    is no.
     
  5. Oleg

    Oleg Law Topic Starter New Member

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    Thank you for your reply
     
  6. army judge

    army judge Super Moderator

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    Were you ever told who or what caused the fire?

    Depending on how the fire started, you might have a civil case against the alleged perpetrator.

    If, however, the fire was determined to be an act of God (as in lightening), or your dog knocked over a burning candle, there'd be no one to go after.
     
  7. Tax Counsel

    Tax Counsel Well-Known Member

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    Well, you might try suing your dog, but chances are he has no ability to pay, so that wouldn't be worthwhile.... :D
     
  8. army judge

    army judge Super Moderator

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    I see this all too often, person saves a few bucks and buys only automobile liability insurance.
    Then an uninsured, unlicensed, soused bum collides with her automobile as she drives through the middle of an intersection.
    Homeowner thinks she'll save a hundred bucks and skimps on buying her homeowners policy.
    Be cautious about buying too much insurance, but never buy too little insurance.

    I call it the Goldilocks principle, as in the mythical lass selected the bed that was just right.

    Buy your insurance coverage using the Goldilocks principle, buy enough so its just right, too.

    That means you need to know what it is you're insuring, and what it would cost to make yourself whole.
     
  9. adjusterjack

    adjusterjack Super Moderator

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    Like the commercial says:

    "Just OK is not OK."
     
  10. army judge

    army judge Super Moderator

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    Love those commercials, especially the one where he says, "Stay in your lane, bro."
     

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