After wildfires destroyed homes and businesses in early January in Los Angeles, survivors face the daunting task of rebuilding their lives. Experts recommend being specific with brand names for insurance claims and listing all lost items, even exceeding policy limits. The process isn't straightforward, with memories of lost items surfacing over time. Survivors should keep inventories, photos of belongings, and document all communications with insurance companies to ensure accurate and timely claims processing while planning for long-term temporary housing.
It's important to list everything, even if it is above and beyond your policy limit - because those costs can still be considered a loss and claimed as such on your taxes.
Her tips: Keep an inventory of things you find and remember - for example, while clearing your property. Collect photos of property and belongings to share with your insurance company.
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